What is the customer service telephone number for credit loans?

Rural Credit Cooperatives: 96596

The credit loan telephone numbers of each bank are different. Only rural credit cooperatives have a unified telephone number. , although rural credit cooperatives do not have a dedicated loan hotline, users can call the national unified customer service hotline 96596 opened by rural credit cooperatives for consultation. After getting through the customer service phone number, you can directly transfer the 0-key manual service to inquire about the questions you want to ask, or you can also log in to the official website of the Rural Credit Cooperative to view it.

Here are the credit loan telephone numbers of other banks

1. The credit loan telephone number of Ping An Bank is 95511, which is the national unified telephone number

2. : 0538-8611-9289, is a quick loan diversion app developed and operated by Guangdong Jixiang Technology Co., Ltd.

3, China Merchants Bank 800-820-5555

4, Bank of China 800- 820-5288

5, China Construction Bank 800-820-0588

6, Agricultural Bank of China 800-819-5599

7, Bank of Communications 800-988 -8888

8, China CITIC Bank 800-999-5558

9, China Minsheng Bank 800-810-8008

10, Pudong Development Bank 800-820- 8788

The following are the national common telephone numbers

11, Industrial Bank 95561

12, Industrial and Commercial Bank of China 95588

13, Bank of China 95566

14, China Construction Bank 95533

15, Industrial and Commercial Bank of China 95588

16, China CITIC Bank 95558

17, Agricultural Bank of China 95599

18, China Minsheng Bank 95568

19, China Everbright Bank 95595

20, Bank of Communications 95559

21, China Guangfa Bank 95508

22, Shanghai Pudong Development Bank 95528

23, Shenzhen Development Bank 95501

24, Huaxia Bank 95577

25, Industrial Bank 95561

ICBC loan manual customer service phone number is 95588.

Call ICBC’s customer service hotline 95588, which will directly transfer you to personal loan services. This is also ICBC’s comprehensive service hotline. General consultation and business processing can be done through this phone. If you want to apply for a loan, you You can first consult the materials that need to be prepared, and then go to an ICBC branch to fill out the application form to apply for a loan. When calling this number, first follow the voice prompts to select the business you need to consult. If you need to transfer to a manual customer service number, please dial the phone and wait for the voice announcement. After a while, press "9", and then select the corresponding business according to the prompts to connect to ICBC's manual customer service. Please note that if no one answers, the system may be busy and it is recommended to call again later. Therefore, if you want to apply for a loan at the Industrial and Commercial Bank of China or learn about relevant loan information, you can call this number for consultation. In addition, you can also learn about loan information through ICBC’s online banking, and you can also apply for a loan online.

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Things to note when applying for a loan

1. Borrowing amount: When applying for a loan, the amount applied should not be too high. The larger the loan amount, the higher the loan amount will be. The possibility of getting a loan will also be higher. At the same time, borrowers must apply for a loan amount based on their repayment ability to avoid financial pressure caused by too high monthly payments. The loan amount must be reasonable. You must make a budget before applying for a loan. The loan limit can be increased by 10% based on the budget. If you exceed this limit, you may have to pay for your irrationality. Ask about the total interest on the loan. Zero interest rate is not the same as zero interest, and the two must not be confused. The so-called zero-interest loan products usually transfer the interest to fees, security deposits, etc. If you calculate carefully, they are not necessarily cheap.

2. Borrowing information: Borrowers must ensure that the information they provide to the lending institution is true and complete. Once it is found to be suspected of fraud, the lending institution will directly refuse the loan. Make sure the materials are complete. Collect the four-piece loan set: a copy of your personal ID card, work certificate, punch-in salary statement, and personal credit report, and you are almost ready to call a credit manager. And you need to make it clear whether you meet the loan application conditions, including age, work location and years of working in the unit, income requirements, credit status, occupation or industry restrictions, etc. If these six elements are met, you can apply with confidence.

3. Loan purpose: When the borrower fills in the loan purpose, the borrower should write down the loan purpose frankly and clearly, which can make it easier to pass the review. That is, the purpose of the loan must comply with regulations. If you plan to use it for gambling or lending, the bank will definitely avoid you. And if you use it to speculate in stocks, buy and sell futures, or financial products, these banks will not allow it.

Whose contact information is included in the student loan?

The borrower’s relatives and friends, former school teachers, township, village and neighborhood committee cadres, etc., but should not be the same as the parents and *** of the borrower.

rnLoan contact conditions: rnrn1. The loan contact person should be a person in the borrower's place of origin. In principle, he should be under 25-60 years old, have a relatively fixed residence and contact information, and be familiar with the borrower's family situation; rn2. Loan The contact person can be the borrower's relatives and friends, teachers from the original school, cadres of townships, villages and neighborhood committees, etc., but should not be the same as the parents and *** of the borrower; rn3. The loan contact person is an obligatory contact person and is not responsible for joint repayment. Responsibility and shall not charge any fees from the borrower; Responsibilities of the loan contact person: 1. Keep in constant contact with the borrower, track the borrower's relevant situation, educate the borrower on integrity and remind the borrower to repay on time, and promptly Changes in information and urge borrowers to inform the county-level student financial aid management center of the changed information and update it in the loan information system; rn2. The loan contact person is the third-order contact and cannot be contacted directly at the student financial aid management center When the borrower and the borrower are together, they shall assist and cooperate with the county-level student financial aid management center to contact the borrower and urge the repayment of principal and interest when due; rn3. During the loan application and approval stages, the loan contact person should ensure smooth communication and cooperate with the county-level The Student Financial Aid Management Center conducts random inspections to verify student status; 4. Once the loan contact person is determined, he or she will be responsible for contacting the student during the entire loan period if there are no special reasons. If the loan contact person moves out of the local area, the borrowing student needs to be urged in advance to resubmit the "Credit Student Loan Contact Person in the Place of Origin".

Is it necessary to leave a contact person when applying for a loan?

When applying for a loan, you need to leave other contacts. In order to prevent loan risks, you will usually be asked to leave the contact information of your relatives when applying for a loan.

According to Article 11 of the "Interim Measures for the Administration of Personal Loans", personal loan applications should meet the following conditions:

(1) The borrower is a Chinese citizen with full capacity for civil conduct*** Chinese citizens or overseas natural persons who comply with relevant national regulations;

(2) The purpose of the loan is clear and legal;

(3) The amount, term and currency of the loan application are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower has good credit status and has no major bad credit record;

(6) Other conditions required by the lender.

Extended information:

Article 19 of the "Interim Measures for the Management of Personal Loans" shall be based on the analysis of the borrower's cash income, adopt quantitative and qualitative analysis methods, and be comprehensive and comprehensive. Perform loan reviews and risk assessments dynamically. Lenders should establish and improve borrowers’ credit records and evaluation systems.

Article 20 Lenders shall, in accordance with the principle of prudence, improve the authorization management system, standardize the approval operation process, clarify the loan approval authority, implement the separation of loan approval and authorized approval, and ensure that loan approval personnel independently approve in accordance with the authorization loan.