ICBC's easy loan is not a credit card, but a personal credit consumption loan service launched by ICBC. "Easy Loan" aims to provide convenient and efficient consumer financing services for individual customers and meet their consumer needs in car purchase, home improvement, education, medical care and large-scale durable consumer goods.

The characteristics of Easy Loan are as follows:

1. No need for mortgage and guarantee: Easy Loan adopts the credit loan method, and customers do not need to provide collateral and guarantee, thus lowering the loan threshold.

2. Convenient application: customers can apply online through ICBC online banking and mobile banking, which is convenient and fast.

3. High amount: the maximum loan amount of "Easy Loan" can reach 2 million yuan, which can meet the large consumption demand of customers.

4. Flexible term: the term of "Easy Loan" loan can be up to 5 years, and customers can choose the appropriate repayment period according to their own needs.

5. Preferential interest rate: "Easy Loan" provides preferential interest rate to reduce the financing cost of customers.

It should be noted that "Easy Loan", as a consumer loan, should be used rationally to avoid excessive debt. At the same time, when applying for "Easy Loan", customers need to meet the loan conditions of ICBC, including age, income, credit history and other requirements. When handling the "Easy Loan", it is recommended to know the relevant terms in detail to ensure your own rights and interests.