When customers pay by credit card or conduct online banking transactions, they can open the loan function as needed to realize self-help lending and recovery of personal loans. China Industrial and Commercial Bank upgraded personal loan card → signed self-service payment agreement → independent loan consumption → loan repayment → upgraded personal loan card at ICBC counter or upgraded debit card in borrower's name to card through online banking. Sign a self-service payment agreement
Sign a self-service payment agreement with the "Card Loan Link" card at the personal loan processing outlets, and stipulate the maximum available amount of self-service payment and the term of a single loan in the agreement.
Easy to take out and recycle.
After the agreement is signed successfully, the loan function can be enabled when making credit card payment or online banking transactions, so as to realize self-help lending and recovery of personal loans.
Loan repayment is free to decide when to repay according to needs, and it can be due or early repayment, single repayment or batch repayment, which is fast and easy. China Industrial and Commercial Bank of China's personal credit card loan service features flexible use of funds: self-service loans can be issued through merchants' pos card swiping or online banking b2c transactions; Wide range of uses: UnionPay contracted merchants at home and abroad can use it, one card in hand, travel all over the world, and meet your consumption financing needs more simply; Borrow and return: one application, use at any time, withdrawal at any time, easy and convenient; Saving interest: you can borrow and repay within the loan amount, recycle it, and minimize interest expenses; Convenient repayment: it provides various repayment methods such as due repayment, early repayment and repayment on a specified date, which is convenient and free; Long-term: the service period of the revolving credit line of card loan service is included in the effective service period of the revolving credit line of the corresponding personal revolving loan contract, which can be up to 6 years at the longest; User-defined credit limit and term: you can set the credit limit and term of use according to the needs of the loan, and do whatever you want; Convenient inquiry: you can inquire through the counter and online banking through multiple channels to know the purpose and maturity of the loan at any time.
Second, how to handle the personal loan card of China Industrial and Commercial Bank? ppt？
1. Application materials for personal loan card loans.
1. The original and photocopy of the valid identity certificate, household registration certificate (household registration book or other valid residence certificate) and marital status certificate of the borrower and its spouse;
2. Personal income certificate, such as personal tax payment certificate, salary certificate, investment income certificate, and average financial assets in ICBC or other banks in recent 6 months;
3. Certificate or statement of loan use;
4. Other documents or materials required by the bank.
Second, the personal loan card loan process
All personal revolving loan customers of China Industrial and Commercial Bank only need a local debit card of China Industrial and Commercial Bank (including smart card and wealth management account card) to easily handle the credit card business. ) in your own name.
1. Upgrade the "Card Loan Pass" card.
Hold a debit card under the borrower's name, sign a personal card loan pass agreement at the ICBC counter or through online banking, and upgrade to a card loan pass.
2. Sign a self-service payment agreement
Sign a self-service payment agreement with the "Card Loan Link" card at the personal loan processing outlets, and stipulate the maximum available amount of self-service payment and the term of a single loan in the agreement.
3, convenient extraction and recycling
After the agreement is signed successfully, the loan can be recovered independently and conveniently through merchant credit cards, electronic channels and bank counters.
4. Loan repayment
You can freely decide when to return it according to your needs, due or ahead of time, and return it in a single batch, which is fast and convenient.
Three, how to apply for personal loan card loans of China Industrial and Commercial Bank. ppt
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Valid identity documents;
Proof of permanent residence or valid residence, proof of fixed residence;
Proof of marital status;
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Proof of income or personal assets;
Use plan or loan use statement;
Other information required by the bank.
Four, how to apply for personal loan card loans of China Industrial and Commercial Bank. ppt
To apply for a bank loan, you need to prepare materials:
Valid identity documents;
Proof of permanent residence or valid residence, proof of fixed residence;
Proof of marital status;
Bank flowing water;
Proof of income or personal assets;
Credit report;
Use plan or loan use statement;
Other information required by the bank.