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I. Introduction
"Easy Loan" corporate card, as a corporate credit card launched for SME merchants who have enabled the acquiring business, is an uncovered and unsecured credit loan product with revolving line of credit.
II. Target Customers
It targets at eligible SME merchants under lawful operation with good credit standing and normative management.
III. Features and Advantages
The "Easy Loan" corporate card features "revolving line of credit and immediate use".
Quick application: ICBC can access the enterprise information directly from the system, so the merchant only needs to make supplement.
Convenient payment: Online payment + offline payment
Flexible installments: 2 to 24 installments are in place for selection at will
Favorable price: Free of credit card annual fee, offering favorable price for installment fee
Round-the-clock service: 7*24h non-stop service
IV. Q&As
i. What product grade is the "Easy Loan" corporate card classified into?
It is classified into gold card.
ii. Does the "Easy Loan" corporate card collect annual fee?
It does not collect annual fee.
iii. What is the line of credit for the "Easy Loan" corporate card?
The line of credit for the "Easy Loan" corporate card can be verified in accordance with the operating position and acquiring dynamic state of the merchant. In case of exceeding certain line of credit or other special circumstances, guarantee shall be provided in line with the local ICBC requirements.
iv. What kinds of SME merchants are eligible to apply for the "Easy Loan" corporate card?
The eligible SME merchants that can apply for the "Easy Loan" corporate card include but are not limited to eateries, restaurants, hotels and other catering merchants; small-scale hairdressing and beauty salons; small-scale chain department stores and supermarkets; merchants engaging in general merchandise, home furnishing, privately-operated medical education and tobacco; privately-operated gas stations; daily commodities wholesalers; hypermarkets; automobile 4S shops; and travel agencies.
Note: Information provided on this page is for your reference only. The specific details should be subject to the business operation process as well as the announcements and stipulations at your local bank outlet.ICBC reserves the right of final interpretation.
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