1. Maintain good credit. As we all know, loans require high personal reputation of applicants, and loans from users with poor credit are easily rejected. Therefore, before applying for a loan, you must have a good credit record, no overdue record and good repayment ability.
2. White list applicants. Most banks will have their own white list, and as long as the user's credit is not particularly bad, they can basically apply successfully. Generally speaking, the implementation of the white list system in ICBC will give priority to high-quality customers, such as civil servants and institutions. Therefore, those who want to apply for e-loan can first become the whitelist users of ICBC.
3. Reduce the debt ratio. If the debt ratio is too high, the bank will feel that the applicant's repayment ability is insufficient and refuse to issue loans. If users want to successfully apply for e-loan, they must first understand their debt ratio and reduce their debts according to the situation, such as canceling their unused credit cards after paying off the money, or returning some debts to reduce the debt ratio.
4. The credit card limit is not enough. You can enjoy the credit line of e-loan and credit card * * *, so if you want to successfully apply for ICBC's e-loan, you can choose to reduce the credit line of ICBC's credit card, for example, you can repay part of the debt and provide part of the credit line.
In short, in order to get a successful loan, users need to maintain good personal credit and have sufficient repayment ability, and generally can apply successfully. All of the above are about "how to apply for E-finance, and you can succeed by paying attention to these problems". I hope it helps you. To apply for ICBC Financial E-loan, the following conditions must be met:
1. China citizen with full capacity for civil conduct 18 years old or above;
2. The applicant's work unit or habitual residence should be in the location of the loan issuing institution;
3. Have a fixed job, a stable source of income or a reliable repayment guarantee. Tips: Our bank will conduct an audit according to your comprehensive situation, and finally please take the actual approval result as the standard. Send "Rong E Borrow" to 95588 by SMS to inquire about the loanable amount and borrow it immediately ~