The application conditions for ICBC credit cards are relatively strict, especially those whose assets do not meet the standard, and the card will be rejected easily. In fact, ICBC also has some easier-to-use cards with looser conditions. Here are three types of cards for you to review.

1. ICBC Endeavor Lang Ping Credit Card: The credit card endorsed by Lang Ping has three levels: regular card, gold card, and simple platinum card. They are all free of annual fees within the validity period and can provide 3 days of repayment. Grace period, free foreign exchange fees, mobile phone insurance up to 1,990 yuan and other benefits. As the main card promoted by ICBC, this credit card has a good credit card acceptance rate.

2. Cosmic Constellation Credit Card: A card type with the theme of the twelve zodiac signs. It is an exclusive black card for young people with good looks. It has two levels: gold card and simple white, both of which are free within the validity period. With an annual fee, you can enjoy service benefits such as a 3-day grace period, 0 foreign exchange fees, 10 times points for purchases on your birthday, free account security insurance, and account security locks. As the main card recommended by ICBC, it is easier to pass the card.

3. ICBC UnionPay Zodiac Credit Card: With the theme of the 12 zodiac animals, the card face is designed with large seal oracle bone inscriptions, highlighting the charm of traditional culture. It has two levels: gold card and platinum card, both of which can provide conditional tax exemptions. fee. It can provide 3-day repayment grace period, travel inconvenience insurance, account security insurance and other service rights, as well as the opportunity to waive the first cloud quick payment of each month, 12306 ticket purchase up to 20 yuan and other discounts.

These three credit cards are all relatively easy to use with ICBC, but each credit card has several levels. It is best to choose a card based on the ICBC star level. For example, Samsung can choose regular cards, and Five-star cards can be used. Choose the gold card, and choose the platinum card for six stars.

Extended information:

How to apply for a credit card:

1. Go to a bank branch to apply, and bank staff will help you complete the application;

2. Apply for a credit card on the bank's official website. Just search your favorite bank on your computer, such as "Industrial and Commercial Bank of China". After entering, you can see the credit card column, and then follow the prompts to apply for a credit card;

Note that to apply for a credit card, you must be over 18 years old, have a stable source of payment, and have good credit. These are the conditions that must be met to apply for a credit card. If you do not meet the requirements, the bank will refuse you to apply for a credit card.

The specific conditions for different credit cards are different, most of them require the following conditions:

1. There are certain age requirements for applying for a credit card: you must have full civil capacity, that is, 18 years old and above;

2. Have legal and stable income and good credit;

3. Provide corresponding identity documents: copy of ID card or military officer's ID card;

4. Employment certification documents. Some banks also require proof of income and financial resources. Proof of financial resources can include a copy of the real estate certificate, a copy of the motor vehicle license, a bankbook, etc. Anyway, the proof of financial resources depends on the individual's repayment ability, which makes it easier to apply for;

5. Documents proving the place of residence, It can be a copy of the household registration book, or certification materials issued by the street, or other certification materials. This is relatively easy to do;

6. There is also an application form to apply for a credit card.

The repayment methods are as follows:

1. Within the card issuing bank

The repayment methods include: card issuing bank counter, ATM, online banking, automatic transfer, telephone Bank repayment, etc. After repayment, the credit card limit will be restored immediately, and the payment will generally be credited to the account after the system processes it on the same day.

2. Weiyintong pos mobile phone

Weiyintong pos mobile phone is a personal payment terminal of the mobile financial system, which can be used to pay directly by swiping the card, or to perform transfers and other services . Instant payment.

3. Transfer/remittance repayment

It is mainly divided into two methods: inter-bank in the same city and inter-bank in different places. Regardless of the method of transfer or remittance, the remittance bank charges a certain fee. At the same time, the time it takes for the money to arrive and the convenience of repayment are not as good as intra-peer repayment, online repayment, convenience store repayment and other methods.

4. Online repayment

The more common domestic online platforms include: UnionPay Online, Kuaiqian, Shengfutong, Alipay, Tenpay, etc. Depending on the platform and bank you choose, the charging standards and specific payment arrival time will be different.