1. Understanding loan demand: First, you need to know your own loan demand, including loan amount, loan term and loan purpose.
2. Preparation materials: According to the requirements of ICBC, relevant loan application materials need to be prepared, generally including ID card, income certificate, bank account, work certificate, etc. You can consult the customer service of ICBC or inquire in official website for specific materials.
3. Fill in the Application Form: Go to ICBC outlets or official website and fill out the Application Form for Personal Credit Loan. When filling in the application form, please fill in your personal information truthfully and ensure the accuracy of the information.
4. Submit application materials: Submit the completed application form and required application materials to the staff of ICBC. ICBC will review your application materials.
5. Waiting for the approval result: ICBC will approve your loan application and generally give the approval result within a certain period of time. You can check the approval progress through ICBC official website or call customer service.
6. Sign a contract: If your loan application is approved, ICBC will sign a loan contract with you and inform you of the relevant loan interest rate, repayment method and other information. Before signing the contract, please read the contract carefully and make sure you know the relevant terms clearly.
7. Lending: After signing the contract, ICBC will transfer the loan amount to your designated bank account, and you can repay the loan on time according to the repayment method agreed in the contract.
The above is the general application process of ICBC's personal credit loan, and the specific process may be different due to personal circumstances. If you have more questions, I suggest you consult ICBC's customer service directly or go to ICBC's outlets to learn more.
If the online loan itself is not compliant, then this overdue online loan will not have much impact on personal credit status. But your online loan record will be kept in the online loan big data. You can check your online loan history through "Beijian Quick Check", including overdue details of online loans, debts, untrustworthy information, and whether it has been blacklisted.