Inquiry on the star point value of ICBC credit card star customers:
1. Log in to online banking to inquire;
2. Call the customer service hotline to inquire;
3. Go to the bank counter to make inquiries.
Individual customers are divided into seven-star customers, six-star customers, five-star customers, four-star customers, three-star customers and quasi-star customers based on their contribution star level *** Category, the evaluation criteria for each category of customers are as follows:
(1) Seven-star customer: the star point value is above 80,000 (inclusive).
(2) Six-star customers: Star point value ranges from 10,000 (inclusive) to 80,000.
(3) Five-star customers: Star point value is 2,000 (inclusive) ~ 10,000.
(4) Four-star customers: Star point value is 500 (inclusive) ~ 2,000.
(5) Three-star customers: Star point value is 50 (inclusive) to 500.
(6) Quasi-star customers: star point value 0 (exclusive) ~ 50.
(7) Customers whose star point value is equal to 0 will not be rated with stars.
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, 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.
The star point value is calculated by summarizing your assets, liabilities and intermediary business in our bank (bank-wide) in the past six months.
Related indicators and calculations
1. Financial assets
Financial assets indicators consist of two items: short-term assets and medium- and long-term assets. The indicators are calculated as Half-year average daily balance of financial assets.
(1) Short-term assets
Mainly include: current savings deposits, third-party custody, Linkong 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, gold (including paper gold, physical gold, branded gold), etc. You can get 100 star points for every 10,000 yuan of medium and long-term assets.
2. Personal debt
The personal debt indicator consists of three items: personal housing mortgage loans, other personal loans, and card overdrafts. The indicator calculation caliber is the half-year date of each personal debt. average balance.
(1) Each RMB 10,000 personal housing mortgage loan can obtain 100 star points.
(2) Other personal loan indicators include personal consumption loans, personal business loans and other types. Other personal loans can obtain 200 star points for every 10,000 yuan.
(3) 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 detailed items: investment and wealth management transactions, card consumption transactions, and settlement transactions. The indicator calculation caliber is the cumulative transaction amount in 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 treasury bonds , insurance purchase, gold trading, foreign exchange trading, etc. You can get 200 star points for every 10,000 yuan of investment and financial management transactions.
(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 Cards and other types of transactions generated through POS card consumption. You can get 400 star points for every 10,000 yuan of investment and financial management transactions.
(3) Settlement type
Transactions mainly include long-distance deposits and withdrawals, long-distance remittances, inter-bank remittances, speed remittances, etc. You can get 200 star points for every 10,000 yuan in settlement transaction volume.