53098XXXX is a quasi-credit card with a maximum of 5000. This card is not adjustable, and there is no interest-free period for consumption, but it can be used for deposits, which have current interest and are often used for paying wages. Regular overdraft is not recommended.

53099 or 53097 is a credit card. You can apply for upgrading as long as you open an account for one year, but whether you can approve it depends not only on the amount of your card, but also on the star rating of your customer in ICBC. If you feel that your income level and consumption level are relatively high, even if you only swipe a few hundred pieces of this card, you may approve the upgrade. If you are a new user, you usually don't spend money, just use it to deposit and withdraw cash or transfer money, and the probability of passing is relatively small. You are a 4-star customer, which reflects that you are just an ordinary customer. Generally, you can apply for a credit card gold card, and the star rating will reach 5 stars.

In short, the more you usually spend, the better you use your card (there is no frequent overdue repayment), the better your personal financial situation (within the control of the bank), and the greater your chances of passing, and vice versa.

The following is the basic star correspondence. You can refer to judge your position in ICBC. Of course, this is only a reference, not absolute:

Three-star: customers who have newly opened an account or have only a small amount of deposits.

4 stars: customers with long-term deposits of 5 digits or less who have not handled other special businesses; In addition, as long as you hold a credit card, you will automatically become a four-star customer;

5 stars: If the deposit remains above 10W for a long time, or there are many business contacts, it is recommended that customers with credit card gold cards and wealth management gold cards buy wealth management products of ICBC and other tripartite businesses; You can apply for all the above products-but it doesn't mean that 100% passed because it needs specific qualification examination. At the same time, once you hold financial gold cards, credit card gold cards and other products, the star rating will automatically rise to 5 stars;

6 stars, the deposit is at the level of 7 figures and maintains a high value for a certain period of time, and it has close capital exchanges with ICBC, and the amount of third-party business such as wealth management and fund share is large or more; It is recommended to hold a platinum credit card-again, it is only a suggestion, and it does not mean that 100% is passed. Holding a platinum card will automatically upgrade to 6 stars;

7 stars, the highest star at present. Usually, it is a high-level enterprise, industry leader and customer with personal assets of tens of millions; Recommend high-end businesses such as private banks and wealth accounts.