ICBC can provide loans. As one of the five largest banks in China, ICBC provides personal loans and corporate loans. Borrowers can apply for loans through ICBC mobile banking, online banking and ICBC counters.

Industrial and Commercial Bank of China (ICBC) was established in June 1984 65438+ 10/. The head office is located at 55 Fuxingmennei Street, Beijing. It is a large state-owned bank managed by the central government and a national deputy ministerial unit.

ICBC is the largest credit card issuer in China and one of the most complete credit card issuers. New products such as euro credit card, peony express business card, peony unionpay card, peony sports card and new peony transportation card have been launched one after another; Promote the service system construction of business outlets, VIP customer service centers and other channels; Actively choose overseas institutions to issue cards as agents, and further strengthen cooperation with international card organizations.

At the end of 2007, the number of credit cards issued was 23.38 million, and the consumption amount reached1.61.90 billion yuan, which continued to maintain the market position of paying equal attention to both card issuance and consumption. The credit card overdraft balance was 82,465.438 billion yuan, an increase of 59.5%.

ICBC actively promotes the popularization and application of chip cards. By the end of May 20 12, the circulation of various chip cards of ICBC had exceeded 5.5 million, ranking first among domestic peers. Among them, the number of chip credit cards issued reached 5.38 million, an increase of1110,000 compared with the beginning of the year, with an increase of 26%. The number of chip debit cards such as chip cards for wealth management accounts is close to130,000. At the same time, ICBC has also made great efforts to improve the acceptance environment of chip cards. More than 90% of ICBC's self-service machines can accept chip cards, which has laid a solid foundation for the further popularization of chip cards.

Compared with the traditional bank card using magnetic stripe, each chip card has a microcrystalline chip, which greatly increases the information storage capacity of the card. It can not only realize all the financial functions of ordinary magnetic stripe bank cards, but also provide customers with personalized intelligent services such as offline transactions, contactless transactions, membership management and points management. At the same time, the chip card has further upgraded the anti-counterfeiting technology and has higher security. Industrial and Commercial Bank of China (ICBC) is one of the earliest commercial banks in China to start the research and development of chip bank cards, and it has maintained a leading position in the fields of chip card technology research and development, industry cooperation and card issuance scale for a long time.

Is there an ICBC credit card for loan?

You can borrow money.

Extended data:

principle

The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles."

1, loan security is the primary problem faced by commercial banks;

2. Liquidity refers to the ability to recover the loan within a predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time;

3. Efficiency is the basis of sustainable operation of banks.

For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, and loans should not go wrong.

Repayment method

(1) Equal principal and interest repayment method: equal repayment every month, the sum of loan principal and interest. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same;

(2) average capital repayment method: that is, the borrower distributes the loan amount to each period (month) evenly throughout the repayment period and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month;

(3) Paying interest and principal on a monthly basis: that is, the borrower repays the loan principal in one lump sum on the loan maturity date (applicable to loans with a term of less than one year (including one year)), and the loan bears interest on a daily basis and the interest is repaid on a monthly basis;

(4) Repay part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank, which is generally an integer multiple of 65,438+0,000 or 65,438+0,000. After repayment, the lending bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged, and the new repayment period shall not exceed the original loan period.

(5) prepayment of all loans: that is, the borrower can repay all the loan amount in advance when applying to the bank, and the loan bank will terminate the borrower's loan at this time after repayment and handle the corresponding cancellation procedures.

(6) Pay back as you borrow: interest is calculated on a daily basis after borrowing, and interest is calculated on a daily basis. You can pay the money in one lump sum at any time without any penalty.

Can I get a loan with ICBC Constellation Credit Card?

Can I get a loan with ICBC Constellation Credit Card?

ICBC credit cards cannot be used for loans.

You can only spend or withdraw cash by credit card within the credit limit.

Can ICBC borrow by credit card?

The credit card is a loan, that is, a credit loan, so it is called a credit card. If you want to borrow more than the limit, you can't unless the bank provides it to you.

Can I get a credit card loan?

Credit cards can be used for credit card loan business. Customers can not only enjoy the fast card processing channel of credit cards, but also borrow the amount equivalent to the loan in advance, which is very suitable for customers who are in urgent need of funds, have stable income and have no RV mortgage. The advance loan amount of cash installment is subject to the cardholder's credit card amount, so the payment amount is generally not higher than the credit limit. In contrast, the credit card loan amount that can be borrowed in advance can be verified according to the credit status and income of the cardholder, and even the credit card loan that can be higher than the credit card credit amount is repaid in installments, with the installment period being long or short, and the longest can reach 36. As short as 7 days, it belongs to short-term credit card borrowers. After handling the credit card loan business, the installment repayment is essentially the same as the installment repayment of credit card cash withdrawal in advance. For example, the credit card loan products of Bank of Communications, such as Enjoy Loan and Industrial Bank, etc. , please check with your issuing bank for details.

The overdraft function of credit card is essentially the same!

If you are a credit card holder of our bank, it is suggested to increase the credit card limit or apply for e-loan;

For example, the maximum loan amount of "e-loan" is 300,000 yuan and the minimum loan amount is 1 1,000 yuan; Your specific limit will be verified according to your business situation in our bank. You can check it after your application is successful.

Log in to Pocket Life Client-"Card Finance"-"I want to borrow money" and apply here. Please refer to the audit results.

Credit card itself is a short-term loan, that is, cash installment.

Depending on the billing date, the shortest repayment period is 20 days and the longest is 50-56 days. If the repayment within the time limit stipulated by the bank will not generate interest, if the repayment is overdue according to the minimum repayment amount stipulated by the bank, the bank will charge interest according to the bank's regulations.

Cash installment, sometimes called cash withdrawal installment, is generally a installment method in which the cardholder applies or the issuing bank invites the cardholder to apply to convert the credit limit in the cardholder's credit card into cash, transfer it to the designated debit card and return it within a specified number of months.

CreditCard (English: credit card), also known as credit card. It is a non-cash transaction payment method and a simple credit service.

Credit card loan means that the bank gives a certain amount according to the credit status of the credit card holder, and the cardholder can use the credit card for credit card consumption. Credit card loan repayment methods are divided into one-time repayment and installment repayment.

Applicants should apply for a credit card from the bank and submit relevant supporting materials, such as identity certificate, income certificate, work certificate, etc. , and his personal credit is good;

Waiting for bank approval;

After the approval, you can get a card with a certain credit limit granted by the bank.

After the applicant activates the card, he can swipe his card to buy the required goods. However, after the credit card is overdrawn, the cardholder must repay in full and on time to avoid leaving a bad credit record.

You can apply for credit loans.

Can I borrow money with ICBC's credit card? What is the maximum loan?

ICBC's credit card itself is short-term, but compared with the general credit card, it has a certain interest-free period, that is to say, as long as the cardholder pays off the debt before the final repayment date, there is no need to pay interest, but if the repayment is overdue or the cash is withdrawn by credit card, there is a certain interest to be paid.

The loan amount should be determined according to the credit degree of the cardholder.

Generally speaking, applicants need to meet these basic conditions:

1, at least 18 years old, with full capacity for civil conduct;

2. Have a stable job and income and the ability to repay in full and on time;

3. No bad credit record.

After meeting the above conditions, you can apply for a credit card on the ICBC credit card website, or you can bring relevant information to the local ICBC outlet to apply. Of course, you can also choose to handle it through the ICBC credit card salesman, but when you handle the credit card in this way, you must confirm the identity of the salesman to avoid being cheated!

Can I get a credit card loan?

Yes, credit card loans are in stages with different terms. The loan amount is related to your credit card amount ~ ~ ~ The secretary of President Zhongrong wishes you a happy card use ~ ~ ~

This concludes the introduction of whether ICBC credit cards can be used for loans and whether ICBC credit cards can be used for loans. I wonder if you have found the information you need?