Did I apply for a quota?

Rong e has to go to the counter to apply for the loan amount.

You can go now.

ICBC's financial online loan can be handled at the counter of ICBC's business outlets, or a bank account can be opened through ICBC's online banking and ICBC's mobile phone. Borrowers can choose the financing e-loan opening method that suits them according to the actual situation.

If the borrower doesn't want to open an account at the counter of ICBC's business outlets, he can log in to ICBC's mobile banking through his mobile phone, click Receive, click Loan, click Credit Consumer Loan, and finally click Apply for Loan to apply for opening ICBC's financial e-loan. If the borrower does not want to open ICBC Financial E-loan through ICBC Mobile Banking, he can log in to ICBC Online Banking to open ICBC Financial E-loan. Borrowers can log in to ICBC online banking, click on loan, then click on financial e-loan, and finally click on Apply Now.

If the borrower does not meet the requirements for handling ICBC financial e-loans, he can often use ICBC credit cards to accumulate credit in ICBC and handle financial services such as deposits, wealth management, funds and precious metals. To apply for opening ICBC financial e-loan, you need U shield or electronic encryption encoder for identity verification. ICBC's financial e-loan bears interest according to the actual loan days, and the interest rate is subject to differential pricing. ICBC's financial e-loan should be repaid in full, and the borrower can repay in advance, supporting two repayment methods: matching principal and interest and average capital. Some borrowers support repayment of principal and interest on schedule.

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1. Ronge loan refers to unsecured and unsecured RMB loans issued by ICBC to borrowers who meet certain conditions for the purpose of personal legal compliance. Financial e-loan can be used for car purchase, home improvement, tourism, shopping and other purposes, but it is not allowed to enter the securities market, futures market, equity investment and real estate market, nor can it be used for private lending, nor can it be used for matters explicitly prohibited by national laws and regulations.

2. ICBC e-loan conditions: China citizens with full civil capacity, aged between 18-60; The applicant's work unit or habitual residence is in the location of the lending institution; Have a fixed job, a stable source of income or a reliable repayment guarantee; Other conditions stipulated by China Industrial and Commercial Bank.

3. The characteristics of ICBC's e-loan are: low financing cost, interest calculation based on the number of days actually occupied by the loan, and differential pricing of interest rates, which shall be subject to the display at the time of business processing. Revolving credit, you can borrow it and pay it back. Can repay in advance, support average capital and equal principal and interest. Some customers support repayment of principal and interest on schedule.

4. Flexible terminology. The shortest term of financial electronic loans is two months, and the longest is two years. Some customers can enjoy a longer term. Customers can flexibly choose the number of loan periods within the longest loan period.

5. Better experience. Rong e loan is an unsecured, unsecured and pure credit loan product.

6. ICBC's e-loan financing process: log in to your personal account, open your wallet and click the "Financing e-loan" icon; Then in the interface that appears, follow the prompts to accept and enter the SMS verification code, and then click "View my limit" at the bottom of the page; If the page shows the words "Congratulations on your qualification for financing loan", it proves that you are qualified to use financing loan, otherwise it is unqualified; Then click "Borrow Now". If the application is successful, you can see the available quota.

7. ICBC allows E-loan, and the loan amount of E-loan is between 6 million yuan and 800,000 yuan, which is subject to the actual display of the interface when the customer handles it.

8. ICBC's e-loan period, the shortest loan period is two months, and the longest is generally two years. Some customers can enjoy a longer term. Customers can flexibly choose the number of loan periods within the longest loan period.

9. Industrial and Commercial Bank of China (ICBC) raised the interest rate of electronic loans by 50% or 6.525% on the basis of the central bank's benchmark interest rate. But this floating coefficient is not fixed, because ICBC often introduces some preferential interest rates. For example, in April this year, ICBC just launched an ultra-low interest rate term discount activity, with a one-year minimum interest rate of 4.35%.

10, repayment method of ICBC financing e-loan, and financial online loan supports two repayment methods of equal principal and interest and equal principal and interest. Some customers can pay interest on schedule and repay the principal at one time. You can repay in advance. There is no punishment yet.

Operating environment:

Red rice Note 9 Pro MIUI 12.5.3

China industrial and commercial bank mobile banking app v7.0. 1. 1.2.

Browser computer: macbookpro mos 14 open Google version 92.0.4515.131.

Icbc sent a message that I had obtained a personal credit line. Can I get a loan?

There is no direct relationship between personal credit line and loan. If you need an ICBC loan, you can go to the bank for loan consultation.

What are the requirements for handling ICBC credit cards?

1, the applicant should be 18-60 years old (foreigners are 25-60 years old), have certain economic ability and have a good credit record. Please refer to the actual audit of China Merchants Bank for the credit card application results.

2. The application materials are a copy of the credit card application and the front and back of the ID card (foreigner: passport and residence permit or employment certificate; Taiwan Province people: Taiwanese certificate, employment certificate; Hong Kong and Macao people: Home Visit Permit and Employment Permit/Residence Permit) and the work certificate issued by the unit.

1. How to get to the bank card cancellation process and what do I need to bring?

(1) process:

1 First of all, if the bank card is a debit card, there is no need to cancel it. When there is no money in the card, the bank card will go to sleep, and the system will automatically cancel the bank card after a while.

2. If you must cancel your card, you can only cancel it in person at the bank counter. You need to take your ID card to the account opening place to cancel. Remember to go to the account opening place. It is impossible to do it in another place.

3. If it is a credit card, because it can be overdrawn, you'd better get it cancelled by the bank if you don't use it, and the money in the credit card has no interest.

(2) What should I bring?

1, I took my ID card and bank card to the bank to get the reservation number and queue up.

2. Explain to the service staff that you want to cancel the account, hand over the bank card to the bank staff, and fill out the account cancellation application form. Bank card cancellation completed.

If there is still money in the bank card, you can go to the counter to withdraw all the money when you close the account.

4. If the bank card is lost, you need to reissue a bank card first, and then cancel the account, and you need a card fee to reissue the card.

5. For the savings card, if it is not used for a long time, it will generally freeze automatically and will not affect the personal credit record. If the credit card is not used for a long time, it will not be frozen automatically, and it may be overdue because of the annual fee.

6. The credit card cancellation account must withdraw the balance on the card and ensure that there is no debt on the card;

7. After the successful cancellation of the savings card, it will not affect the future application. After the successful cancellation of the credit card, if the personal credit is affected by careless use of the card before, it will cause some trouble in applying for a credit card in the future.

There are places. If you want to apply, you must go to the bank for an interview. Is it credible?

Never mind, because he wants you to borrow money to get this kind of message. You may have a credit card at the Postal Savings Bank. So the limit given to you by the bank is 58,800 yuan. In this case, you still need to bring your ID card to the bank to consult relevant personnel. Don't trust these short messages easily, or you will be cheated.

1. Pre-credit refers to the pre-loan amount (loan amount) granted by commercial banks or financial institutions according to the comprehensive qualifications of users.

2. Pre-credit line refers to the maximum loanable line approved by commercial banks or financial institutions according to the credit status of customers, for customers' reference.

3. The pre-credit line does not represent the actual down payment line, and the actual down payment line is subject to the system audit result after the customer applies.

4. China Postal Savings Bank was formally established on March 20th, 2007. It is a commercial bank established on the basis of the reform of postal savings management system. China Postal Savings Bank inherited the postal finance business operated by the former State Post Bureau and China Post Group Corporation and the assets and liabilities arising therefrom, and continued to engage in the business approved by the original business scope and business license documents.

5. Pre-credit line is the credit line given by the bank to users. For example, the credit limit of the card is 5000 yuan, and if you spend 5000 yuan with this card, you don't need to deposit any money in the card. This is a credit line set by the bank according to your personal credit status and repayment ability.

6. Assuming that the platform recognizes the user's credit, the loan needs to be withdrawn after it arrives, and the withdrawal time is limited. If it is not revoked within the time limit, the quota may become invalid and the user will have to reapply. However, the pre-credit line is not the actual line, although the line will change.

But under normal circumstances, it will not be invalid, so when users encounter similar reminders, they can consider whether the platform is specifically for marketing, or whether it is fraud itself. Users who want to apply for the quota need to fill in relevant information and wait for the platform to review. The platform will make a comprehensive evaluation according to the user's own qualifications and credit status, and then give the corresponding quota. Users will withdraw the credit line as soon as they get it. Remember to pay back on time after use, and don't be overdue. Otherwise, if they want to apply again next time, there may be risk control situations such as reducing the credit line or freezing the credit line.

Does it matter if the new loan application amount is not required?

It doesn't matter if you don't use the loan application amount, but you should have a loan application inquiry record for personal credit investigation.