What is the deduction time of ICBC's electronic debit card? The official said five o'clock. It's already 8 o'clock. It's not expired, is it?

The automatic deduction time of ICBC e-loan is before the repayment date 17:00. The lender shall deposit the repayment into the repayment account before the repayment date 17: 00, and the system will automatically deduct the corresponding amount. Don't worry if the deduction fails on the same day, because ICBC Rong E has a three-day grace period. If the deduction is successful within the grace period, it will be regarded as normal repayment, excluding overdue and no penalty interest.

The specific deduction time is as follows:

1. First deduction: 7: 00 on the deduction date, initiated only when the balance of the repayment card is enough to repay the current amount;

2. Second deduction: initiated on the deduction date 12: 00, when the balance of the repayment card is enough to repay the current repayment amount;

3. Third deduction: at 20: 00 on the deduction date, deduction will be initiated regardless of whether the balance of the repayment card is sufficient;

4. Fourth deduction: initiated at 23: 10 and 20: 00 on the deduction date when the deduction is not full;

5. After the fourth batch of deductions, no deductions will be made on the repayment date;

6. If the overdue payment is deposited before 20: 00 on the same day, the outstanding debt will be automatically returned on the same day; Deposits deposited after 20: 00 on the same day will be automatically returned the next day.

Introduction of ICBC financing e-loan;

Before the launch of the "Rong E-Loan" brand, it was called "Personal Credit Consumer Loan". Later, the top management should also consider that the name is too weak and repackage it. As the name implies, this is a pure credit loan for personal consumption without guarantee or mortgage.

It is very similar to cash installment: the difference is as follows:

1. Different product categories: cash installment belongs to installment business, "e-loan" belongs to loan business, while personal loan belongs to separate credit investigation, and cash installment will not be listed separately on credit investigation.

2. Different stages: the general stages are limited to 3, 6, 9, 12, 18 and 24. And "financing e-borrowing" can be selected from 2 to 24.

3. Different interest-bearing methods: the handling fee for cash installment may be charged at one time according to different regions, while "financing e-borrowing" is equal principal and interest, and interest is calculated on a daily basis.

4. The repayment methods are different: credit card in cash installment and debit card in "e-debit".

Electronic lending and cash installment have their own advantages. At present, the Head Office mainly promotes "e-loan" products. They are all on the white list. Not all credit card customers can apply for "electronic borrowing". Ordinary civil servants, institutions, large state-owned enterprises and other high-quality customers will give priority to it. Just log in to the mobile banking in the white list.