You can get a loan without a credit card, provided that you pass the comprehensive evaluation of the system. Users must first meet the basic conditions of e-loan, that is, 18 years old has full capacity for civil conduct, has ICBC outlets at work or permanent residence, and has a fixed job and a stable source of income.
The system will evaluate users' repayment willingness and repayment ability from multiple dimensions. If you have a credit card (debit card), good card use behavior can add points and improve the pass rate.
Second, how can ICBC lend money without a credit card?
To apply for a credit card, you must be at least 18 years old and have a stable income or other economic proof before you can apply for a credit card.
Credit card processing conditions:
The minimum application age stipulated by the bank is 18 years old, and the maximum application age is 60 years old;
Need my second-generation ID card;
A work certificate and income certificate stamped with the financial seal of the unit;
No bad credit record;
Other financial certificates, such as real estate, cars, stocks, bonds, etc.
Materials required to apply for a credit card:
The applicant's identity card;
Bank credit card application form;
Work certificate and income certificate stamped with the financial seal of the unit;
Individual businesses need individual business licenses and tax bills for nearly three months;
Other financial proof: income tax withholding certificate; Copy of self-owned real estate license; Copy of self-owned car driving license.
Credit card application process:
Fill in the application form;
Information of the bank itself and a copy of the information;
The bank sends it to the credit card center;
The credit card center conducts audit, business card printing and card issuance;
After getting the card, I opened the card and waited for the password letter.
3. ICBC, Rong E has no credit card. Why not apply for a loan?
The credit line of ICBC Rong E loan is 24,000 yuan, and the credit line of available cards is
Because the loan borrowed by Rong E has already lent out 24,000 yuan, when I applied for a card, although the card amount was 24,000 yuan, the available amount was 0. Recover through timely repayment; E loan refers to the unsecured and unsecured RMB loan issued by the borrower of our bank for personal legal and compliant consumption purposes; Credit line, also known as "credit line", refers to a certain amount of credit line granted by a bank to its basic customers, that is, an enterprise can recover so much money within a specified time; Credit line-outstanding accumulated amount = available line; Available credit limit refers to the unused credit limit in your credit card.
4. Why can't I borrow the line of ICBC Financial E?
Rong e can't borrow it for the following reasons:
1. ICBC's quota is insufficient: it may be because ICBC's own loan quota is insufficient, which leads to the failure to increase the e-loan quota.
2. Recent card cancellation: If there are recent card cancellation and credit card cashing, it will also affect the amount of e-borrowing. Once it is subject to bank risk control, it will be immediately pulled into the bank's gray list and cannot use e-loan.
3. Debit card for collection and repayment is not bound: Rong E requires that the debit card for collection and repayment must be an ICBC debit card account registered at the applicant's counter, and the passbook cannot be used for collection.