more than five stars. ICBC and Peony Chaohui Real Gold Credit Card have higher processing conditions, and customers need to be invited, and they can only be processed if they reach five stars or above. Chaohui Zhenjin Credit Card is an exclusive credit card issued to commemorate the 2th anniversary of Peony Card Center of Head Office. ICBC, the full name of which is China Industrial and Commercial Bank Co., Ltd., was established on January 1, 1984. It is the first of the five largest banks in China and one of the top 5 enterprises in the world.