What is the star rating standard for ICBC credit cards? In order to help you fully understand this issue, I have compiled the star rating standards for ICBC credit cards for your reference!
Service star rating and contribution star rating
1. Contribution star rating: refers to the star rating based on the total star point value calculated by the star rating model. It is the embodiment of the actual contribution of individual users of our bank. It is the basis for performance appraisal and information disclosure. The assessment cycle of contribution star is monthly.
Service star: refers to the contribution star as the basis to meet the needs of our bank's individual user expansion and business development. The rating results adjusted according to certain rules are also the basis for our bank's individual users to enjoy our bank's various priority preferential services. Service star adjustments are divided into three types: real-time adjustment by the system, manual adjustment by the account manager and fixed daily adjustment of the rating. It is consistent with the following For customers who meet one of the conditions, if the current service star rating is low, the system will automatically and immediately increase it to the corresponding star rating:
(1) Sign a private banking service agreement and adjust the service star rating to seven stars.
(2) Open an ICBC Wealth Management Gold Account Card or Platinum Credit Card, and adjust the service star rating to six stars.
(3) Open an elite financial account, a gold credit card, and adjust the service rating to five stars.
(4) Open a general credit card and adjust the service star rating to four stars.
2. Service star reduction (latest)
Starting from June 2011, the end of each month will be the assessment day for service star improvement. That is, if the contribution star level is higher than the service star level at the end of each month, the service star level will be immediately increased. At the same time, our bank sends text message reminders to customers whose service stars have increased every month.
June 30 and December 31 each year are still the fixed evaluation days for service star reduction. When the contribution star rating is lower than the service star rating, the service star rating assessed in the current period remains unchanged for the time being and enters the star rating decline buffer period. For customers whose service star rating has entered the buffer period for star rating decline and the buffer period has expired, the service star rating will be lowered based on the current contribution star rating.
Differentiated buffer period management will be implemented for the decline of customers with different star ratings. Specifically: the buffer period for seven-star customers is adjusted to two years, the buffer period for six-star customers is adjusted to one year, and the buffer period for customers with five-star (inclusive) and below is adjusted to half a year.
3. Calculation of star value
Customer star rating is divided into contribution star rating and service star rating. Contribution star rating is a star rating based on the total star point value. The star point value is calculated by summarizing your assets, liabilities and intermediary business in the six months before the bank's (bank-wide) fixed rating date. Service star rating is a rating result adjusted according to certain rules based on contribution star rating.
The star point value is calculated based on the summary of your assets, liabilities and intermediary business in our bank (bank-wide) in the past six months.
Relevant indicators and calculations
1. Financial assets
The financial assets indicator consists of two items: short-term assets and medium- and long-term assets. The indicator is calculated as each item Half-year average daily balance of financial assets.
(1) Short-term assets
Mainly include: current savings deposits, third-party custody, Link Express financial products, money market funds, and credit card deposits. Every 10,000 yuan of short-term assets can earn 135 star points.
(2) Medium and long-term assets
Mainly include: time savings deposits (including fixed deposits and deposits), provident fund deposits, financial products (excluding Linkong Express), funds (not Including money market funds), treasury bonds, insurance, precious metals (including account precious metals, agency physical gold, branded gold), etc. Every 10,000 yuan of medium and long-term assets can earn 100 star points.
Attached note:
Precious metal deferral is not included in the calculation of star point value. (Note that this refers specifically to the asset star value, which is calculated based on the daily average balance. The transaction star value will be introduced later)
2. Personal liabilities
The personal debt indicator is determined by the personal housing mortgage It consists of three items: loans, other personal loans, and card overdrafts. The indicator calculation caliber is the half-year average daily balance of each personal liability.
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Required Conditions Application Process
(1) For every RMB 10,000 personal housing mortgage loan, you can get 100 star points.
(2) Other personal loan indicators include personal consumption loans, personal business loans and other varieties. Other personal loans can obtain 200 star points for every 10,000 yuan.
(3) The algorithm of personal loan star point value is calculated based on the paid interest, and the star point value is calculated based on the average interest rate. Since different customers enjoy different interest rates,
the star points obtained also vary. For example: two customers have an average daily balance of mortgage loans of 1 million for half a year, but the customer with a 30% interest rate receives a lower star point value than the customer with a base interest rate.
(4) 200 star points can be obtained for every 10,000 yuan of credit card interest-bearing overdraft.
3. Intermediary business
The intermediary business indicator consists of three items: investment and wealth management transactions, card consumption transactions, and settlement transactions. The indicator calculation caliber is the cumulative transaction amount for half a year. If the amount of a single transaction exceeds the standard upper limit of the business fee charge, the upper limit amount will be included in the indicator statistics as the transaction amount. If a single transaction has enjoyed our bank's rate discount, the transaction amount will be converted according to the discount ratio and then included in the indicator statistics.
(1) Investment and financial management categories
Transaction indicators mainly include: fund purchase and redemption (excluding monetary funds), purchase of financial products (excluding Linkong Express), and purchase of government bonds (Please note the 2013 revision), insurance purchase, account precious metals, physical precious metals, branded gold, foreign exchange trading, etc. You can get 200 star points for every 10,000 yuan in investment and financial management transactions.
Revised in 2013: 50 star points can be obtained for every 10,000 yuan purchased in book-entry treasury bonds; 50 star points can be obtained for every 10,000 yuan purchased in precious metals (account gold/silver, physical gold, branded gold, gold/silver deferred). Obtain 100 star points
Attached explanation:
①Business and purchase of account precious metals, physical precious metals, and branded gold will accumulate star points based on the transaction amount * 0.02.
②Foreign exchange transactions are not included in the calculation of star point value.
(2) Card consumption
Transaction indicators mainly include Money Link cards, Elite Club account cards (including ICBC Wealth Management Elite Account Cards), credit cards, credit cards, and quasi-credit Cards and other types of transactions generated through POS card consumption. You can get 400 star points for every 10,000 yuan in transaction volume.
Revised in 2013: Money-link cards, Elite Club Account Cards (including ICBC Wealth Management Elite Club Account Cards), credit cards, credit cards, quasi-credit cards and other cards are charged according to the accumulated consumption amount through POS. Calculate the star point value, you can get 200 star point value for every 10,000 yuan.
Attached note:
① The star point value generated by the credit card supplementary card transaction will be credited to the main cardholder's account.
②Currently, transactions such as house purchases and car purchases using POS cards are included in the star point value.
③For foreign currency accounts in dual-currency credit cards, the star points value is calculated based on the foreign currency transaction amount converted into RMB.
(3) Settlement type
Transactions mainly include non-local deposits and withdrawals, non-local remittances, inter-bank remittances, etc. 200 star points can be obtained for every 10,000 yuan of settlement transaction volume.
In addition, 50 star points can be obtained for every 10,000 yuan of salary paid in the past six months.
Attached note:
① Currently does not include cross-border International remittance.
②Star points will be calculated only for transactions for which you have been charged a handling fee. Transactions that do not charge a handling fee due to discounts and other reasons will not be calculated. The specific calculation method is based on the actual handling fee. The star point value obtained from each transaction is the actual handling fee multiplied by 2.
(Revised in 2013: The star point value is calculated based on the accumulated handling fee for the following businesses: the star point value obtained from handling foreign exchange trading business is 2 times the actual handling fee; non-local deposits and withdrawals, non-local remittances, and inter-bank remittances The star point value obtained through electronic channels and self-service channels is 2 times the actual handling fee, and the star point value obtained through transactions through counter channels is 1 times the actual handling fee (the star point value will only be calculated for settlement transactions that charge a handling fee, because Handling fees not charged due to discounts and other reasons will not be calculated))
4. Risk factors
Risk factors refer to the potential risks or actual losses of individual customers due to various types of loans and card overdrafts . For customers whose loan grades are doubtful, substandard, or whose credit card has been overdrafted for 7 months or more, or whose credit card has been in default for 6 months or more, the balance of the debt will not be included in the calculation scope of the star rating model; for loan grades For customers who have suffered a loss, or have been in overdraft on their credit card for 12 months or more, or have been in default on their credit card for 11 months or more, the star rating will be a quasi-star rating.
The star value corresponding to the star rating, and the automatic upgrade rules
Individual customers are subdivided into seven-star customers, six-star customers, five-star customers, There are six categories: four-star customers, three-star customers, and quasi-star customers.
The evaluation criteria for each type of customer are as follows:
(1) Seven-star customers : The star point value is above 80,000 (inclusive).
(2) Six-star customer: The star point value is 10,000 (inclusive) ~ 80,000.
(3) Five-star customer : Star point value is 2000 (inclusive) ~ 10000.
(4) Four-star customer: Star point value is 500 (inclusive) ~ 2000.
(5) Three-star customer : Star point value 50 (inclusive) ~ 500.
(6) Quasi-star customers: Star point value 0 (exclusive) ~ 50.
(7) Star point value Customers who are equal to 0 will not be rated with a star rating.
For customers who meet one of the following conditions, if the current service star rating is low, the system will automatically and immediately increase it to the corresponding star rating:
(1) Sign a private banking service agreement and adjust the service star rating to seven stars.
(2) Open an ICBC Wealth Management Gold Account Card and Platinum Credit Card and adjust the service star rating to six stars.
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(3) Open an Elite Club account or a gold credit card, and adjust the service star rating to five stars.
(4) Open a regular credit card, and adjust the service star rating to four stars.
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