Under normal circumstances, the limit will be reviewed by the local card issuer according to the materials submitted by you and the comprehensive credit status.

(Answer time: April 2, 20221. In case of business changes, please refer to the actual situation. )

What is the general credit card limit of ICBC?

There are three types of ICBC credit cards, namely ordinary cards, gold cards and platinum cards. Generally, the amount of ordinary cards is below 1 10,000 yuan, the amount of gold cards is between 1 10,000 yuan and 50,000 yuan, and the amount of platinum cards is generally above 50,000 yuan. ICBC's credit card limit will not be too high for the first time, but it can be increased after a period of use.

To apply for an ICBC credit card, you need to meet the following three conditions:

1. Age: Generally, citizens who have reached the age of 18 need to submit proof of identity documents.

2. Stable repayment ability: proof of work and income is generally required. In order to increase the success rate of application and credit limit, it is generally recommended to provide proof of own property, proof of own vehicle and proof of bank assets. The card issuing standards of each bank are different, depending on the requirements of the bank.

3. Good credit: That is to say, you are required to have no bad credit record, and the bank will check this condition by itself.

What is the minimum credit card limit of ICBC?

The minimum credit card limit of ICBC is 3,000 yuan, the general credit card limit is 8,000 to 1000 yuan, and the gold card limit is generally above 1000 yuan. When applying for a credit card, the bank will evaluate the credit limit according to the applicant's credit status and economic ability. Generally, the main factor that determines the credit limit is financial proof, including your automobile production, real estate, deposit and financial investment, social security policy, insurance products, salary proof, etc.

For more information about the minimum amount of ICBC credit cards, please visit: See More.

What is the general credit card limit for industry and commerce?

ICBC credit cards are divided into three grades. Depending on the type of card, the amount is different:

The credit card limit of Puka is below 10000 yuan;

Gold card credit card limit is between 10000 yuan and 50000 yuan;

Platinum card credit card limit is generally more than 50000 yuan.

Credit card refers to various media that record the relevant information of the cardholder's account, have the function of bank credit line and overdraft, and provide relevant banking services for the cardholder.

ICBC credit card quota promotion needs to meet the following conditions:

ICBC credit card limit needs to be activated by users for more than half a year (180 days or six orders), and ICBC credit card holders can apply to the credit card center for withdrawal;

For the first withdrawal, you need to use the card for more than half a year, and it is in normal use (generally, the average monthly consumption is required to be above 30%/ limit) and there is no bad record in the last 6 months. Peony credit card has a fixed quota and does not provide quota adjustment service;

In addition, the repayment credit status without bad records within six months is only the basic condition for ICBC to increase the credit card limit, and whether the withdrawal can be successful and how much the limit can be increased depends on the cardholder's monthly consumption amount and consumption type.

The main features of credit cards:

1. Credit card is one of the fastest-growing financial services, and it can replace the traditional cash circulation in a certain range.

2. Credit card has both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers;

Credit card is a high-tech product integrating financial business and computer technology.

4. Credit cards can reduce the use of cash and currency;

5. Credit card can provide settlement service, which is convenient for shopping and consumption and enhances the sense of security;

6. Credit cards can simplify the collection procedures and save social labor;

7. Credit cards can promote commodity sales and social needs.

In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, a legal person can also be an applicant.

The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed.

Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.

What is the general credit card limit of ICBC?

Generally, the credit card limit of ICBC is 3000 ~ 50000 and above. ICBC's credit cards, like those of other banks, have three grades: ordinary cards, gold cards and platinum cards. Generally, banks have a clear quota level. Take the recruitment behavior as an example, the ordinary card quota is 3000~ 10000, the gold card quota is 10000~50000, and the platinum card quota is more than 50000. However, among these three grades of cards, China Merchants Bank has no clear quota level.

Credit card limit, also known as credit card available limit, refers to the maximum amount of credit card you can use, including credit limit (that is, the maximum overdraft limit of credit card) and the amount deposited in credit card.

The amount of any credit card depends on the effective income provided by the individual during the application process and the value of the asset guarantee. The credit limit of a credit card is positively related to the applicant's income and secured assets, 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.

First, continuous and frequent credit card consumption.

Persistence means that after you have a credit card, you should insist on long-term credit card consumption. It is best to have a credit card spending limit every month for more than three consecutive months. Don't freeze it for a long time.

Frequent consumption means spending anywhere you can swipe your card, regardless of the amount. The more credit card times and services, the better. If you swipe your card at one time, it is easy for the bank to think it is suspicious and it is difficult to increase the quota.

Second, pay attention to the credit card limit and temporary withdrawal.

Pay attention to the credit card limit and make full use of temporary withdrawals.

Third, stick to the application and seize the opportunity to apply.

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

4. Threaten to use the cancellation card or suspend sleep.

Threaten to use a pin card or suspend sleep. When your application has been rejected many times, you can consider using this trick. Tell the customer service or staff of the bank directly that if the credit card limit cannot meet the actual needs, you will consider returning the card. It is best to present some facts, of course, the attitude should not be too bad, and it is best to combine hard and soft, so that it is easy to get room for discussion and consultation.

Let's stop here for the introduction of ICBC's credit card limit.