It doesn't matter if ICBC borrows the warning 1 time.

Yes, the loan of e-loan can only be used for daily consumption, and can't be used for overdraft or debt repayment. If the bank monitors that the use of funds does not meet the requirements, it will send out an early warning message on the use of funds, so be prepared to be asked by the bank to repay in advance, otherwise it will be overdue. It is still necessary to use the funds according to the purpose chosen at the time of application, and keep relevant vouchers for the bank to verify the source of funds.