Pre-credit is a kind of credit method provided by banks to customers, also known as "pre-approval line", which means that banks grant customers a certain loan line according to the information submitted by customers and the credit records found, before actually issuing loans. In ABC, pre-credit is mainly used for corporate financing and personal consumption loans.

Pre-credit generally has a time limit, and after the time limit, it is necessary to reapply or change the line. In ABC, the expiration of pre-credit means that the loan amount granted to customers is invalid, and customers need to re-submit application materials. After re-examination, ABC will re-grant the customer a new loan amount or refuse to grant credit.

In order to avoid unnecessary trouble and time delay caused by the expiration of pre-credit, customers can avoid it in the following ways:

Know the maturity date of pre-credit in advance, and contact the account manager of Agricultural Bank of China to apply for loan renewal or change in time.

Repay on time and maintain a good credit record, so as to get more benefits when applying for pre-credit again.

Provide accurate and complete information, ensure the quick approval, and reduce the extra labor and time costs.