What is the credit card limit of ICBC

The credit card limit of ICBC is generally 3, ~ 5, and above. Like credit cards of other banks, ICBC's credit cards have three grades: general card, gold card and platinum card. Generally, banks have a clear quota level. Take China Merchants Bank as an example, the quota for general cards is generally 3, ~ 1,, that for gold cards is 1, ~ 5,, and that for platinum cards is more than 5,. However, among these three grades of cards, China Merchants Bank does not have a clear quota level.

credit card limit, also known as credit card available limit, refers to the maximum amount that you can use with your credit card, which includes the credit limit (that is, the maximum credit card overdraft limit) and the amount deposited in the credit card.

the amount of any credit card depends on the effective income provided by the individual in the application process and the guaranteed value of the assets. The credit limit of a credit card is positively related to the income and secured assets of the applicant, that is, the higher the income and secured assets, the higher the credit limit. Therefore, the applicant must provide proof of income, provident fund social security, and asset guarantee statement. Asset guarantee includes fixed assets such as real estate and automobiles, as well as current assets such as savings and bonds.

1. credit card spending continuously and frequently.

sustainability means that after owning a credit card, you should insist on spending by swiping it for a long time. It is best to generate a credit card spending limit every month for more than three months, instead of using it for a while and then freezing it for a long time.

Frequent spending means spending money by swiping the card wherever possible, regardless of the amount. The more times and businesses you swipe, the better. If you swipe your card at one time, it will be easily suspected by the bank and it will be difficult to raise the amount.

second, pay attention to the amount of credit card and temporary withdrawal.

pay attention to the credit card amount and make full use of the temporary withdrawal.

third, insist on applying and seize the opportunity to apply.

stick to the application and seize the opportunity to apply, and do both. For credit card users, you can insist on applying by telephone to increase the credit card limit, because different customer service or staff members have slightly different attitudes and principles in handling this application. Maybe the last one failed and the next one passed, and the record left by insisting on telephone application will also help to apply for the amount increase in the future.

fourth, use the card to threaten or suspend sleep.

use the card cancellation threat or hibernate. When you apply for it many times and are rejected, you can consider using this trick. Just tell the customer service or staff of the bank directly that if the credit card limit can't meet the actual needs, you will consider canceling the card. It is best to present some facts, of course, the attitude should not be too bad, and it is best to be soft and hard, so that it is easy to get room for discussion and negotiation.

what is the general credit card limit of ICBC?

in general, the credit limit is reviewed by the local card issuer according to the materials submitted by you and the comprehensive credit status.

(Answer time: April 21, 222. In case of business changes, please refer to the actual situation. )

What is the general credit card limit of ICBC

The credit card limit of ICBC is the maximum limit that can be used for overdraft consumption and cash withdrawal according to the cardholder's income and credit standing, and the cardholder can recycle it within the validity period of the credit card. The credit card quota of ICBC is: the general credit card quota is within 2, yuan, the gold card quota is between 1, yuan and 5, yuan, and the platinum card quota is above 5, yuan, with no upper limit.

ICBC has approved the maximum amount that can be used for overdraft consumption and cash withdrawal according to the cardholder's income and credit standing, and the cardholder can recycle the card within the validity period.

when the same customer has multiple credit cards in ICBC, the credit lines of each card are usually independent, and the consumption or deposit of one card will not affect the available credit lines of other cards. Multiple international cards can usually be adjusted through 95588 manual service. It is usually impossible to adjust the quota between RMB card and international card.

the credit lines of multiple ICBC international cards of a cardholder are independent of each other, and the RMB credit line and foreign currency credit line of an ICBC international card are also independent of each other. The RMB credit line is used up, but the foreign currency credit line is still there; Similarly, the foreign currency quota is used up and the RMB quota is still there. In some cases, credit card swiping in Chinese mainland will also use foreign currency accounts for bookkeeping, and the foreign currency quota will be used.

ICBC credit card holders can call ICBC's customer service phone, and they can check the credit card limit through the customer service hotline, and know the credit card account arrears, the current available limit and other information anytime and anywhere.

ICBC's credit cards are the same as those of other banks, with three grades: general card, gold card and platinum card. And distinguish the amount according to the grade. Mainly divided into: Puka, Gold Card and Platinum Card. The detailed division is as follows: ICBC's general card quota is: below 2, yuan; ICBC's gold card quota is: between 1, and 5, yuan; The amount of ICBC Platinum Card is more than 5, yuan, with no upper limit.

customers without cards (those without credit cards):

1, four-star general cards, 5, five-star gold cards, 1, six-star gold/platinum cards and 3, seven-star gold/platinum cards;

customers with credit cards:

5, four-star general cards, 1, five-star gold cards, 5, six-star platinum cards and 1 million seven-star platinum cards.

the general credit card limit of ICBC is generally less than 5, yuan.

what is the general credit card limit of ICBC?

the maximum credit card limit of ICBC is 1, for ordinary cards and 5, for gold cards. The specific limit is subject to the audit results.

increase the credit limit

first of all, if it is a universal card, the credit limit can be automatically increased.

If the card meets the following criteria and there is no bad credit record, ICBC can automatically upgrade the credit limit:

1. After opening an account for not less than 3 months and spending more than 5 yuan (inclusive), the credit limit can be adjusted to 5 yuan;

2. The credit line can be adjusted to 1 yuan at least 3 months after reaching the 5 yuan credit line level and the accumulated consumption is more than 5 yuan (inclusive);

3. The credit line can be adjusted to 2, yuan at least 3 months after reaching the level of 1 yuan credit line and accumulated consumption of 5 yuan (inclusive).

if the local card issuer has special regulations, it is not applicable to this service.

you can also call ICBC's customer service hotline and choose 2 manual service -2 credit card service to propose credit line adjustment. After adjustment, the credit line is not higher than 2, yuan.