Generally speaking, if the user is an ICBC bank card user, or a customer who applies to use an ICBC credit card with good credit, the e-loan application will directly enter the intelligent approval process of the system, and it will be received within 1-3 hours. If the user is a new user of ICBC and has not handled credit card, debit card and other financial services in ICBC, Rong E needs to conduct a detailed review of the customer's qualifications, and may need manual verification to understand the specific identity information and credit status of the customer. Therefore, for new customers, the approval time of ICBC e-loan is generally 2-3 working days.
What is financing electronic borrowing?
Ronge Loan is an unsecured and unsecured personal consumption loan provided by Industrial and Commercial Bank of China. Therefore, for the customer's application, Rong E will review the customer's credit qualification and property. If you have already applied for a credit card in ICBC, ICBC will have a certain understanding of the customer's credit status and repayment situation, and the approval time will be shortened in the subsequent approval of financing e-loans. Therefore, if users want to quickly pass the approval of ICBC financing e-loan, they can consider applying for ICBC credit card or other wealth management products.
If the approval time exceeds 3 days, you can contact ICBC customer service to understand the specific situation and confirm the approval result.