1. The applicant has applied for ICBC credit card;

If the applicant has already applied for an ICBC credit card, as long as the information submitted by the user is true and effective, the pass rate of ICBC e-loan is relatively high, and the approval time is quite fast, which can be completed within 2 minutes generally, and the efficiency is very satisfactory.

2. The applicant did not apply for ICBC credit card.

If the applicant has not applied for a credit card of China Industrial and Commercial Bank, Bian Xiao understands that it is usually impossible to apply for an electronic loan of China Industrial and Commercial Bank.

However, some users reported that they didn't apply for ICBC credit card and got the loan line of ICBC e-loan. Is the pass rate high?

According to this Bian Xiao, some users do have the above situation, but it takes a long time in the approval process. Some users have reported that they have not been approved for a week, so if they have not applied for an ICBC credit card, the approval rate is relatively low.

If you want to quickly pass the approval of ICBC e-loan, I suggest you apply for an ICBC credit card in advance.