ICBC credit cards can be divided into ordinary cards, gold cards and platinum cards; Generally, the amount of a general card is less than 50 thousand yuan, and most people only have a few thousand yuan when they apply for it for the first time; The initial amount of a gold card is generally 654.38+100000 yuan, but the maximum amount will not exceed 654.38+100000 yuan. The minimum amount of platinum card is generally 50,000 yuan, and there is no maximum amount. The amount of a credit card issued by ICBC is comprehensively determined according to the materials submitted by the applicant. If the submitted materials are not good, the amount of a gold card may only be several thousand yuan.

To apply for an ICBC credit card, it is generally required that the applicant must be at least 18 years old and have full capacity for civil conduct; Banks will also require applicants to have stable income and corresponding repayment ability, and have good credit information; If you want to increase the application amount, you can submit necessary financial certificates, such as real estate information, vehicle information, provident fund, etc. After these materials are submitted, you can increase the amount of your card.

In fact, the application route will also affect the amount of the card. Generally, the credit card applied through the Internet will be lower than the bank counter, mainly because it is inconvenient to apply for a lot of proof materials online, but it is faster to apply for a card online than the bank counter. If you need your card urgently, you can choose to apply online and log in to ICBC official website to apply directly. You can choose your favorite card when applying.

If it is the first time to apply for an ICBC credit card, the credit card limit is not very high. At this time, you can activate the credit card first, and then apply for an increase in the quota. Generally, a new card can apply for a temporary quota after 3 months of use, and can apply for an increase in a fixed quota after 6 months; Generally, you can call ICBC credit card customer service hotline to apply for withdrawal.

When using ICBC's credit card, it must be repaid on time, and it cannot be overdue by one day. ICBC does not provide a grace period for repayment. Unlike other banks, it needs special attention.