You can borrow money with ICBC credit cards. Cardholders can apply for credit card cash advances or apply for cash installments. Cash advances refer to withdrawing cash from bank ATMs or bank counters. No application is required. The cash withdrawal limit is general. It’s 50 of the credit card limit. Cash installment is also cash withdrawal, but it can be repaid in installments, while cash advance cannot be repaid in installments.

The application method for credit card cash installment is very simple. Cardholders can follow the "ICBC Credit Card" official account, enter and send the keyword "cash installment", and then apply according to the information pushed by the system.