Generally speaking, if the applicant has a time deposit with ICBC and the deposit amount is not less than 50,000 yuan, then the deposit certificate can be used as proof of personal financial resources to apply for an ICBC credit card. ICBC staff also highly recognize the repayment ability of the bank's deposit customers, and the card application approval speed is also relatively fast. However, there is no need to pledge, just show it to the card officer.