ICBC U Shield can also apply for a loan through customer service phone or go to a bank outlet.

1. The borrower can submit an application for prepayment through ICBC's customer service phone or directly to ICBC's business outlets.

2. After applying for prepayment, wait for bank review and notice.

3. After the bank is approved, it will contact the loan by phone and agree on the time and amount of prepayment.