According to the credit card network, it is not easy for ICBC to pledge credit cards. ICBC's pledge credit card application conditions are relatively high, requiring borrowers to have a good personal credit record and be able to provide certain property certificates or guarantee certificates as collateral. Due to the strict application conditions, many people were rejected when applying. In addition, the interest rate of ICBC pledged credit cards is also relatively high. For some people with poor repayment ability, it is not a wise choice to apply for pledged credit cards.

China Industrial and Commercial Bank was established in June 1984+ 10/0/. 202 1 year revenue is 860.9 billion yuan. In 2022, the total assets were 39.6 1 trillion yuan, and the head office was located at No.55 Fuxingmennei Street, Beijing. It is a large state-owned commercial bank and a national vice-ministerial unit.