The maximum balance of the three types of accounts is 2,000 yuan, the cumulative limit on the day of payment is 2,000 yuan, and the annual cumulative limit is 50,000 yuan; the cumulative limit on the day of entry is 5,000 yuan, and the annual cumulative limit is 100,000 yuan. For transfers between the third-category account and the bound account, the amount transferred in can be transferred out; after the bound account authentication is processed at the counter, there is no amount limit for transfers between the bound first-category account/credit card.

The ICBC online banking transfer shows an insufficient balance because the balance of the transfer-out account is less than the transfer amount. Solution:

1. Make up the balance and transfer funds from other accounts to the transfer-out account to make up the balance. Balance;

2. Change the transfer account: Use an account with a larger balance to transfer funds.

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1: ICBC credit card limit standards

If it is a popular card (meaning it has an initial credit limit on the account, the card issuer will make the decision based on the cardholder’s consumption situation) Credit limit upgrade, credit cards with a maximum credit limit of less than 2,000 yuan (inclusive) can automatically increase the credit limit. If the card meets the following standards and has no bad credit record, ICBC can automatically upgrade the credit limit:

1. No less than 3 months after opening the account and the cumulative consumption is more than 500 yuan (inclusive), the credit limit can be upgraded The credit limit is adjusted to 500 yuan;

2. The credit limit can be adjusted to 1,000 yuan after reaching the 500 yuan limit level for no less than 3 months and the cumulative consumption is more than 500 yuan (inclusive);

< p>3. The credit limit can be adjusted to 2,000 yuan for no less than 3 months after reaching the 1,000 yuan credit level and the cumulative consumption is more than 500 yuan (inclusive).

When the same customer has multiple credit cards at ICBC, each card usually has an independent credit limit. The consumption or deposit of one card will not affect the available credit limit of other cards. The limit between multiple international cards can usually be adjusted through 95588 manual service. The limit cannot usually be adjusted between RMB cards and international cards.

The limits of multiple ICBC international cards of a cardholder are independent of each other. The RMB limit and foreign currency limit of an ICBC international card are also independent of each other. When the RMB limit is used up, the foreign currency limit It is still there; similarly, if the foreign currency quota is used up, the RMB quota is still there. In some cases, foreign currency accounts will be used for billing and foreign currency quotas will be used when swiping cards in mainland China.

2. What to do if the ICBC credit card limit is insufficient

1. Temporary limit adjustment for ICBC credit card

When using an ICBC credit card, if you find that the approved If your credit limit is not enough and you need to increase your credit limit, you can call the 24-hour customer service hotline 95588 to contact a customer service specialist to apply for a temporary increase in your credit card limit. Generally, you can only request to increase the credit limit after holding the card for at least 3 months. For international cards, you can increase the temporary limit by 10% through the international card self-service at 95588-6 or online banking, which is valid for one month. Self-service credit withdrawal can only be used once every 3 months.

2. ICBC credit card long-term limit adjustment

Cardholders can submit the latest financial income certificate and apply for it at any ICBC branch. ICBC will adjust the limit based on their past usage. The card history, repayment records, etc. will be reviewed, and the credit card limit will be appropriately adjusted for the cardholder after passing the review.