What is the general limit of an Industrial and Commercial Bank of China credit card?

The specific limit of an Industrial and Commercial Bank of China credit card is generally related to the type of card applied for. For regular credit card users, the limit is generally around 5,000 yuan; for gold card users, the limit is generally around 10,000-50,000 yuan; for platinum card users, the limit will be as high as 50,000-100,000 yuan, and there is no cap on the credit card limit of this level. Generally speaking, the specific limit of a cardholder's credit card is determined by the Credit Card Center of the Industrial and Commercial Bank of China based on the cardholder's solvency assessment results.

Credit limit:

The credit limit refers to the maximum overdraft limit that the bank gives you when approving your credit card. You can only spend within this limit, and if you exceed If you exceed this limit, you will no longer be able to use your card to make purchases.

The credit limit is determined based on a comprehensive evaluation based on the information you filled in when applying for a credit card and the relevant supporting documents provided. The principal card and supplementary card*** share the same limit. Under normal circumstances, the RMB limit and the US dollar limit in a dual-currency credit card can be converted to each other. For example, if your limit is 30,000 RMB, when you use the card overseas, your credit limit is approximately equivalent to 5 ,000 USD.

The credit limit will be adjusted regularly by the bank, but you can proactively provide relevant proof of financial resources to request adjustment of the credit limit. In addition, when you need a higher limit within a certain period of time when traveling abroad, moving to a new home, etc., you can request to increase the temporary credit limit.

Credit cards are divided into two types: credit cards and quasi-credit cards. They provide settlement services, facilitate shopping and consumption, and enhance a sense of security; simplify payment procedures and save social labor; promote product sales and social needs, etc. Features. A credit card is a special credit card issued by a bank or other financial institution to those with good credit status. It is a special card used for shopping and consumption at designated merchants, or for depositing and withdrawing cash at designated banking institutions.

Notes on using credit cards:

1. Pay attention to consumption

In addition to enriching the types of daily card consumption, credit cards must also ensure the consumption limit. Occasionally, I made several large purchases. In addition, you should also pay attention to avoid frequent consumption at the same place. After some friends made several large purchases, the bank not only refused to approve the limit increase, but also froze the credit card because of the risk of cashing out.

2. Pay attention to the limit

Friends who want to increase the limit of their credit cards must pay more attention to the changes in the limit of active credit cards, especially the usage limit and available limit. The higher the ratio of your credit card's used limit to your credit limit, the higher the chance of your application for a limit increase being approved.

3. Check credit report

If the cardholder has met the conditions for credit card limit increase, it is best to check your personal credit report first. Credit investigation has a great impact on credit card limit increase. Only a good credit record can ensure the success rate of credit card limit increase.

What is the general credit limit of ICBC?

The general credit limit of ICBC is:

1. The limit of ICBC regular card is 1,000 yuan to 10,000 yuan;

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2. The gold card limit is 10,000 yuan to 50,000 yuan;

3. The platinum card limit is 50,000 yuan to 100,000 yuan.

ICBC’s credit cards are divided into three levels: regular card, gold card and platinum card. If it is the first time a user applies for a card, the credit limit is generally not very high.

Extended information:

1. ICBC credit card application conditions:

1. Domestic residents must be between 18 and 65 years old, and foreigners must be in Between 25-65 years old;

2. Have a stable job, income and fixed residence;

3. No bad credit record. Applicants for supplementary cards must be the parents, spouse or children of the primary cardholder and be between the ages of 16-65.

2. Industrial and Commercial Bank of China credit card application information:

1. Identity proof information: a copy of resident ID card or military officer ID card; if you are a compatriot from Hong Kong and Macao, you need to provide a mainland travel permit and a A copy of the residence certificate for more than one year; if you are a foreigner, a copy of your passport and residence permit for more than one year is sufficient.

2. Proof of work and income: Choose one of salary certificate, business card or badge with photo

3. Proof of good financial strength: Copy of real estate certificate Copies of documents, car driving license; bank loan account (with good credit, overdue no more than 60 days) or copy of deposit certificate.

3. Cancellation methods of ICBC credit cards:

(1) Cancellation at ICBC business outlets:

ICBC credit card cancellation issues need to be determined according to the cardholder’s Type processing, because the cancellation methods for ICBC international cards and RMB credit cards/quasi-credit cards are different.

1. If the cardholder holds an international card of ICBC, including Visa, Master, AE and other brands, please bring your ID card and card to the first branch of ICBC (i.e. xx District Industrial and Commercial Bank of China). Bank Card Department) handles account cancellation procedures.

2. If the cardholder applies for an ICBC RMB credit card or quasi-credit card, you only need to bring your ID card and card to a nearby ICBC outlet to cancel your account.

(2) Cancellation of ICBC credit cards by phone:

ICBC provides cardholders with phone card cancellation service. Cardholders can use telephone banking to cancel ICBC credit cards conveniently and quickly.

What is the general limit of ICBC credit card?

The limit of ICBC credit card can be divided into the following three situations according to the type of credit card:

1. General ICBC credit card Card: The limit is less than 10,000 yuan;

2. ICBC Credit Card Gold Card: The limit is between 10,000 yuan and 50,000 yuan;

3. ICBC Credit Card Platinum Card : The amount is between 50,000 and 100,000 yuan. If the ICBC credit card has been used for more than half a year and there is no bad record during the use period, the cardholder can apply to ICBC for a limit increase. The bank will determine whether to approve the limit increase based on the cardholder's credit card usage.

Introduction to Industrial and Commercial Bank of China:

Industrial and Commercial Bank of China (INDUSTRIALANDCOMMERCIALBANKOFCHINA, ICBC for short) was established on January 1, 1984. The head office is located at No. 55 Fuxingmennei Street, Beijing. It is a large state-owned bank managed by the central government and one of the four major banks in China.

ICBC Credit Card

ICBC Credit Card is the credit card with the highest circulation in China. The main types of ICBC credit cards include: Peony International Credit Card, Peony Credit Card, and Peony Credit Card; according to ICBC The brands of bank credit cards are divided into: Peony Visa Card, Peony MasterCard and Peony Express Card; according to the credit level, they are divided into: platinum card, gold card and ordinary card; according to the issuing objects, they are divided into business cards and personal cards, of which personal cards are divided into Main card and secondary card.

The Peony quasi-credit card is issued by the Industrial and Commercial Bank of China. The cardholder deposits a certain amount of reserve as required. When the reserve account balance is insufficient to pay, it is a quasi-loan that can be overdrafted within the prescribed credit limit. Credit card. The Peony quasi-credit card can be used for settlement in RMB at UnionPay acceptance points in China, Hong Kong, China, Macau, Thailand, South Korea, Singapore and other countries, and has functions such as transfer settlement, cash deposits and withdrawals, and credit consumption. This Peony quasi-credit card is a quasi-credit card with Chinese characteristics. There is no precedent in other countries in the world. The emergence of this quasi-credit card is a reflection of China's imperfect credit system. Peony quasi-credit card has been discontinued. Peony credit cards and Peony international credit cards that truly meet the needs of the public are the direction of development.

What is the general limit of an ICBC credit card?

The credit limit of an ICBC credit card is the maximum limit that can be used for overdraft consumption and cash withdrawal based on the cardholder’s income and credit standing. People can reuse the credit card within the validity period. The limits of ICBC credit cards are: Generally, the limit of ordinary cards is within 20,000 yuan, the limit of gold cards is between 10,000 yuan and 50,000 yuan, and the limit of platinum cards is more than 50,000 yuan, with no upper limit.

ICBC determines the maximum limit that can be used for overdraft consumption and cash withdrawal based on the cardholder's income and credit status, and the cardholder can use it repeatedly within the validity period of the card.

When the same customer has multiple credit cards at ICBC, each card usually has an independent credit limit, and the consumption or deposit of one card will not affect the available credit limit of other cards. The limit between multiple international cards can usually be adjusted through 95588 manual service.

The limit cannot usually be adjusted between RMB cards and international cards.

The credit limits of multiple ICBC international cards of a cardholder are independent of each other. The RMB limit and credit limit of an ICBC international card are also independent of each other. If the RMB credit limit is used up, the credit limit will still be there. ; Similarly, if the quota is used up, the RMB quota is still there. In some cases, account debits and usage limits will also be used when credit cards are swiped in mainland China.

ICBC credit card holders can call the ICBC customer service hotline to check their credit card limit, and learn about credit card account arrears, current available limit and other information anytime and anywhere.

ICBC’s credit cards are the same as those of other banks, with three levels: regular card, gold card and platinum card. And the amounts are divided according to levels. Mainly divided into: regular card, gold card and platinum card. The detailed classification is as follows: the limit of ICBC regular card is: below 20,000 yuan; the limit of ICBC gold card is: between 10,000 and 50,000 yuan; the limit of ICBC platinum card is: above 50,000 yuan, with no upper limit.

Cardless customers (those without credit cards):

Four-star regular card 10,000, five-star gold card 50,000, six-star gold/platinum card 100,000, seven-star gold/ Platinum card 300,000;

Card holders (those with credit cards):

Four-star regular card 50,000, five-star gold card 100,000, six-star platinum card 500,000, seven-star platinum Card 1 million.

ICBC credit card limit is generally less than 50,000 yuan.

What is the limit for applying for a commercial credit card (debit card) for the first time?

The limit for applying for an ICBC credit card (debit card) for the first time is generally between 1,000-10,000 yuan.

The credit card limit of the ICBC credit card (debit card) is generally between 1,000-10,000 yuan, the gold card limit is generally between 10,000-50,000 yuan, the platinum card limit is generally more than 50,000 yuan, and the black card limit is generally between 50,000 yuan and more. The gold card limit can reach up to 10 million yuan.

The limit of an ICBC credit card (debit card) is the credit limit given by the applicant through various evaluations. The evaluation items include: job, credit record, education level and asset status, etc. The better the evaluation item, the higher the credit card (credit card) limit.

What is the general credit limit for ICBC credit cards?

Generally, the limit is reviewed by the local card issuer based on the materials you submit and your comprehensive credit status.

(Answer time: April 21, 2022. In case of business changes, please refer to the actual situation.)

This is the end of the introduction to the general limit of industrial and commercial credit cards.