In recent years, major banks have launched personal credit loans, which can be applied through counters, online and mobile phones, greatly facilitating the general public. China Industrial and Commercial Bank is a famous state-owned bank with pure credit loan. What are the application conditions for ICBC's personal credit loan?

1, a citizen of China with full capacity for civil conduct, aged between 18 and 60 inclusive.

2. Have legal and valid identity certificate and household registration certificate (or valid residence certificate) of the place where the loan bank is located.

3 has a stable source of income and the ability to repay the principal and interest of the loan in full on time.

4. Have a good credit record and willingness to repay, without any illegal acts and bad records.

5. Obtained a risk level of Grade B or above in the retail internal rating system of China Industrial and Commercial Bank.

6. ICBC has a group of customers with four or more stars.

7. Open a personal settlement account in China Industrial and Commercial Bank.

8. Other conditions stipulated by the bank.

The above is an introduction to the application conditions of ICBC's personal credit loan. If in doubt, please consult the relevant banking institutions.

I am an ordinary citizen and want to apply for a credit card loan from ICBC. ...

How much you can overdraw depends on how high the credit card limit you apply for.

If the quota is 6000, you can withdraw 3000. Generally speaking, it is half of the quota. This quota is the consumption quota, which means that you can use 6000 for shopping and only 3000 for cash withdrawal.

Of course, there are fees and interest for withdrawing cash, but some of them can be repaid interest-free within one month.

You can ask the person who gave you the card.