Credit cards have appeared in China for many years, and there are many people who own them. Many cardholders want to apply for loans through credit cards, but they can't. Today, taking ICBC credit card as an example, I will tell you how to borrow credit card loans, and friends who need loans can learn about it.
ICBC's credit card loan is mainly to provide e-installment for everyone. E provides you with RMB loans of more than RMB 654.38+100000 by stages. The number of installments can be freely selected from 6 to 36, and the loan interest rate can be discounted to let me tell you how to borrow ICBC credit card E installment loan.
1. Submit a loan application
I took my ID card and ICBC credit card to the nearest ICBC outlet to submit a loan application. If you don't have an ICBC credit card, you can apply for an e-installment credit card immediately.
2. Approve the next paragraph
ICBC will spend some time reviewing your application for e-installment loan, but the time will be shorter. Once the loan application is approved, the funds will arrive in real time.
3. Use of loans
After everyone's funds arrive, they can use a special debit card for credit card consumption. The main purpose of the loan is to buy a car, rent a house, education, tourism, home improvement, wedding and so on.
Generally speaking, ICBC's credit card loan will be a little troublesome to handle, but the loan interest rate is very favorable and attractive to borrowers.
How to get a quick loan of 50,000 yuan with ICBC credit card? Try this method!
In the eyes of many borrowers, ICBC is a godlike existence, mainly due to the high gold content of credit cards and the ultra-low interest on loans and installments. Let's just say that ICBC's handling fee and interest are the lowest among all banks, unless other banks have special activities or preferential treatment.
Everyone should know how difficult it is to borrow money now. Borrowing money from relatives and friends is not cheap, and it is not easy to talk. Therefore, I suggest that you apply for a credit card of ICBC or CCB if you have the opportunity, and you must maintain a high frequency of use. Don't overdue it! Be sure to repay in time.
If I have an ICBC credit card, how can I get a quick loan of 50,000 yuan?
1. Keep the frequency of using ICBC credit cards.
Whether you have used it before or not, you must use it again to keep the dosage and frequency;
2. Financial assets
You can choose some ICBC wealth management investments, deposits and precious metals. And invest a little appropriately;
3. Jung Shopping Center
If you want to buy something, or a friend wants to buy something, you can buy it by the way and place an order at Ronge.
When the preparatory work is almost done, you can apply for an e-loan from ICBC. The interest rate of this product is extremely low, and you can pay at a level close to the benchmark interest rate when you encounter activities.
Precautions:
1. If the loan is used for stock investment, the collection debit card cannot be bound to the bank-securities transfer category;
2. Generally speaking, the credit limit of e-finance is 80% of the credit card limit of ICBC. If the credit card quota of ICBC is too low and the application quota is too high, it may not be successful.
Application channel: full deposit and full loan electronic loan application.
Pay attention to ICBC WeChat. The official WeChat account can also submit an application.
How to get a personal credit loan from ICBC?
Rong e loan is a personal credit loan brand of ICBC, with a maximum term of 2 years, and some customers can enjoy a maximum term of 5 years. The maximum amount of self-service application is 200,000. After the application is successful, the loan amount will occupy the credit card amount. Please refer to the actual treatment for details.
You can apply through online banking, mobile banking, ICBC e-life and e-finance, or you can apply at any branch of ICBC in different places with your valid ID card, or through the smart terminal of the branch.
Whether the specific conditions are met can be viewed in the application interface, and the loanable amount information can be viewed in the "Current loanable amount" and "Total amount" displayed in the application interface. The actual loanable amount is subject to the final approval result of ICBC.
(Answer time: June 6, 2022 10. In case of business changes, please refer to the actual situation. )
How to handle the credit consumption loan of ICBC?
If you have a credit card and debit card (savings card) in ICBC, you can log in to ICBC online banking to apply for personal credit consumption loans.
Personal credit consumption loan
I. Product introduction
Personal credit consumption loans refer to unsecured and unsecured RMB loans issued by our bank to borrowers who meet certain conditions for personal legal and compliance consumption purposes.
Second, the product features
Fast, self-help and fast arrival;
Discount, low rate, the lowest discount period is 4.785%, and the lowest discount period is 6.525%;
Flexible, equal principal and interest, and more support 6-month grace period repayment;
High amount, 600 yuan-300,000 yuan;
Pure credit, no mortgage and no guarantee.
Third, the application conditions
1. China citizen with full capacity for civil conduct, age 18-60 years old;
2. The applicant's work unit or habitual residence should be in the location of the loan issuing institution;
3. Have a fixed job, a stable source of income or a reliable repayment guarantee;
4. Other conditions stipulated by China Industrial and Commercial Bank.
Four. length of maturity
The maximum term of personal credit consumption loan is 2 years, which cannot be extended.
Verb (abbreviation of verb) repayment method
The repayment methods of personal credit consumption loans include:
1. Equal monthly payment (same monthly repayment amount);
2. If the application period exceeds one year (inclusive), you can apply for a grace period. There is no need to repay the loan in the first six months, and the loan interest collected during the grace period ("grace period interest") is repaid in subsequent installments, and the bank calculates compound interest according to the remaining unpaid grace period interest;
3. Repay in advance.
Customers can agree on the repayment method with our bank according to their needs.
The personal consumption credit loan amount is 80% of ICBC's personal credit card amount.
The specific operation is as follows:
Open ICBC Online Banking-Favorites-Loan-Credit Consumption Loan-Apply immediately-Enter, login password and verification code-Login ICBC Online Banking-Fill in the loan amount (not less than 600 yuan)-Select the loan term-Select whether to apply for grace period-Select the loan purpose-Select the collection account-Select the repayment account-Get the verification code-Enter the verification code-Check that I have read and agreed to the Personal Credit Consumption Loan Agreement of Industrial and Commercial Bank of China-Next.
After a few minutes, you will receive a short message, indicating that the loan was issued successfully.
Log in to ICBC Online Banking-Loan-My Loan-My Credit Loan-and you can see the loan contract amount, loan balance-contract status: payment completed.
You can also see the loan balance in this loan account.
You can also log in to Online Banking-Loan-Apply for Loan-Credit Consumption Loan-Apply Now.
After this operation is completed, you can directly click the application result query-query-after receiving the SMS, you can see that the loan has been issued successfully.
This is the end of the introduction on how to get a credit card loan from ICBC and how to get a credit card loan of 50 thousand yuan from ICBC. I wonder if you have found the information you need?