ICBC's credit card has many functions. In addition to overdraft consumption, you can also handle some financing business, which can be regarded as taking credit card loans. Many people want to know how much money they can borrow. It depends on what kind of business they handle. There are three products to choose from, and the loan amount is different. Let's have a look.
1, jung borrowed
This is the most similar credit loan to ICBC. It is an additional credit card installment limit provided by ICBC. The maximum amount is 300,000. The amount given by the bank varies according to different qualifications, but it is generally slightly higher than the credit card amount, at least 654.38+00000 yuan, and will not occupy the credit card amount after handling.
ICBC's e-loan is famous for its low interest rate. February 8-March 3, 20201,the new application for e-loan can be given a fixed preferential price at the annual interest rate, and friends who need funds can consider it.
2. Money is badly needed
In fact, it is the overdraft transfer service of ICBC credit card. Except for the different handling methods, it is no different from cash withdrawal by credit card. This amount is associated with the credit card amount. The maximum application amount is 50% of the available amount, that is, the credit card is 654.38+100000 yuan, of which only 5000 yuan can be transferred to the savings card at most.
Emergency funds are calculated on a daily basis, with a daily interest rate of five ten thousandths, and a transfer fee of 1% is charged, because the final repayment date must be repaid in full, which is only suitable for short-term.
3. Use of gold
Refers to the cash installment business of ICBC credit card, which is only applied by the cardholder (except for personal cards such as easy loan and official business).
The limit is also related to the fixed amount of credit cards. The maximum amount is 50% of the total credit card amount, and does not exceed 654.38+10,000 RMB. There are three months, six months, nine months, 12 months, 18 months, 24 months and 36 months to choose from, and the installment fee is required.
What credit card can ICBC use for loans?
ICBC credit cards can be overdrawn, and credit cards can be divided into credit cards and quasi-credit cards.
Credit card: overdraft consumption enjoys an interest-free period, the longest is 56 days, and the shortest is 25 days, that is, your consumption in May is 1, and you can repay it on June 25th, enjoying an interest-free period of 56 days. The consumption on May 3rd1is also returned on June 25th, enjoying a 25-day interest-free period. There is no interest on deposits. There is no upper limit to the credit line. Minimum repayment amount payable on 25th of each month = 65438+ 00% payable this month; The unpaid part of the minimum repayment amount last month. For the part that does not enjoy the interest-free period, from the day of swiping the card, the interest of five ten thousandths will be deducted every day.
Quasi-credit card: overdraft does not enjoy interest-free period. From the date of overdraft consumption, the interest of five ten thousandths shall be deducted every day until it is paid off. Quasi-credit card consumption should be returned within 60 days after the first overdraft consumption.
Installment payment: Installment payment, in addition to repaying the principal, also charges the corresponding handling fee, without interest. The charge standard of the head office is 3-24 periods, and the branch office can go to 36 periods for activities. The installment fee standard of the Head Office: 3-6-9- 12- 18-24 is1.65%-3.6%-5.4%-7.2%-1.7% respectively. The handling fee for branch activities will be reduced.
There is no repayment procedure.
You can call 95588-2-2 to handle the installment payment manually or through online banking. If you have any questions about the ICBC card, you can ask me to give points = =! Everything I said is right. You can call 95588-2-2 to verify. . .
Is there an ICBC credit card for loan?
You can borrow money.
Extended data:
principle
The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and manage themselves by themselves, with safety, liquidity and efficiency as their operating principles."
1, loan security is the primary problem faced by commercial banks;
2. Liquidity refers to the ability to recover the loan within a predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time;
3. Efficiency is the basis of sustainable operation of banks.
For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, and loans should not go wrong.
Repayment method
(1) Equal principal and interest repayment method: equal repayment every month, the sum of loan principal and interest. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same;
(2) average capital repayment method: that is, the borrower distributes the loan amount to each period (month) evenly throughout the repayment period and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month;
(3) Paying interest and principal on a monthly basis: that is, the borrower repays the loan principal in one lump sum on the loan maturity date (applicable to loans with a term of less than one year (including one year)), and the loan bears interest on a daily basis and the interest is repaid on a monthly basis;
(4) Repay part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank, which is generally an integer multiple of 65,438+0,000 or 65,438+0,000. After repayment, the lending bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged, and the new repayment period shall not exceed the original loan period.
(5) prepayment of all loans: that is, the borrower can repay all the loan amount in advance when applying to the bank, and the loan bank will terminate the borrower's loan at this time after repayment and handle the corresponding cancellation procedures.
(6) Pay back as you borrow: interest is calculated on a daily basis after borrowing, and interest is calculated on a daily basis. You can pay the money in one lump sum at any time without any penalty.
Can ICBC borrow money?
Debit cards cannot be used for loans. Credit cards can be used for loans.
Debit card is a credit tool issued by the issuing bank to the society, which has the functions of transfer settlement, cash deposit and withdrawal, shopping consumption and so on.
Debit cards do not have overdraft function, and the consumption feature is "pay first, then consume". Because personal savings are liabilities to banks, they are debited, so they are called debit cards.
Debit cards of many banks are not only RMB current savings cards, but also regular savings, savings and so on.
Many bank debit cards have passbooks corresponding to them, which is convenient for customers to know the use of funds at any time.
Extended data
Debit card refers to the bank card issued by the issuing bank to the cardholder without credit limit, and the cardholder deposits first and then uses it.
Debit cards are divided into transfer cards, special cards and stored value cards according to different functions.
Debit cards cannot be overdrawn. The transfer card has the functions of transfer, cash deposit and withdrawal and consumption.
A Special card is a debit card that is used in a specific area and has a specific purpose (except for department stores, restaurants and entertainment industries), and has the functions of transferring money and depositing and withdrawing cash.
Stored value card is a prepaid wallet debit card in which the bank transfers funds to the card for storage according to the cardholder's requirements, and directly deducts money from the card during the transaction.