It's just that each bank that issues credit cards has different standards for the identification of credit card applicants.
As far as the auditing standards of ICBC's credit card issuance are concerned, the credit card departments in prefecture-level cities have certain autonomy and the implementation standards are different.
The criteria for applying for a credit card in ICBC are roughly as follows:
The annual income is more than 50,000-60,000, and the identity is above the deputy level of a government department or institution (credit card applicants can make false reports as appropriate, which is more conducive to applying for a credit card);
Individuals with a registered capital of more than 6,543,800 yuan can also apply for an ICBC credit card with the guarantee certificate issued by the enterprise.
The credit line, that is, the overdraft withdrawal or overdraft transfer, ranges from 1000 yuan to several hundred thousand yuan.
A credit card with a credit limit of less than 5000 yuan (including 5000 yuan) is called a quasi-credit card.
As far as this credit card with a credit limit of 5,000 yuan is concerned, the maximum limit of overdraft withdrawal or overdraft transfer is 2,500 yuan. If you want to spend another 2500 yuan, you can only swipe your card on the POS machine.
A credit card with a credit line of 10000 yuan (inclusive) is called a debit card.
Credit card holders can fully overdraw the credit limit in their credit cards, but the daily limit is 2000 yuan.
It is said that according to the current new law, an overdraft exceeding three months 10000 yuan is regarded as a vicious overdraft and will be prosecuted.