The benefits of ICBC’s double seven-star rating

Individual customers are subdivided according to their contribution stars into seven-star customers, six-star customers, five-star customers, four-star customers, and three-star customers. There are six categories of star customers and quasi-star customers. The evaluation standards for each type of customers are as follows:

(1) Seven-star customers: The star point value is more than 80,000 (inclusive).

(2) Six-star customers: Star points value is 10,000 (inclusive) to 80,000.

(3) Five-star customers: Star points value is 2,000 (inclusive) to 10,000.

(4) Four-star customers: Star point value is 500 (inclusive) ~ 2,000.

(5) Three-star customers: Star point value is 50 (inclusive) to 500.

(6) Quasi-star customers: star point value 0 (exclusive) ~ 50.

(7) Customers whose star point value is equal to 0 will not be rated with stars.

Industrial Star Point Value Related Indicators and Calculation Standards

1. Financial assets Financial asset indicators consist of two details: short-term assets and medium- and long-term assets. The indicators are calculated as each financial asset half-year average daily balance.

(1) Short-term assets

Mainly include: current savings deposits, third-party custody, Linkong Express financial products, money market funds, and credit card deposits. Every 10,000 yuan of short-term assets can earn 135 star points.

(2) Medium and long-term assets

Mainly include: time savings deposits (including fixed deposits and deposits), provident fund deposits, financial products (excluding Linkong Express), funds (not Including money market funds), treasury bonds, insurance, gold (including paper gold, physical gold, branded gold), etc. You can get 100 star points for every 10,000 yuan of medium and long-term assets.

2. Personal liabilities The personal debt indicator consists of three items: personal housing mortgage loans, other personal loans, and card overdrafts. The indicator calculation caliber is the half-year average daily balance of each personal liability.

(1) Each RMB 10,000 personal housing mortgage loan can obtain 100 star points.

(2) Other personal loan indicators include personal consumption loans, personal business loans and other types. Other personal loans can obtain 200 star points for every 10,000 yuan.

(3) For every 10,000 yuan of credit card interest-bearing overdraft, you can get 200 star points.

3. Intermediary business The intermediary business indicator consists of three details: investment and wealth management transactions, card consumption transactions, and settlement transactions. The index calculation caliber is the cumulative transaction amount for half a year. If the amount of a single transaction exceeds the standard upper limit for handling fees for that business, the upper limit will be used as the amount of the transaction and included in the indicator statistics. If a single transaction has enjoyed our bank's rate discount, the transaction amount will be converted according to the discount rate and then included in the indicator statistics.

(1) Investment and financial management categories

Transaction indicators mainly include: fund purchase and redemption (excluding monetary funds), purchase of financial products (excluding Linkong Express), and purchase of government bonds , insurance purchase, gold trading, account silver trading, foreign exchange trading, etc. You can get 200 star points for every 10,000 yuan of investment and financial management transactions.

(2) Card consumption

Transaction indicators mainly include Money Link cards, Elite Club account cards (including ICBC Wealth Management Elite Account Cards), credit cards, credit cards, and quasi-credit Cards and other types of transactions generated through POS card consumption. You can get 400 star points for every 10,000 yuan in transaction volume.

(3) Settlement type

Transactions mainly include non-local deposits and withdrawals, non-local remittances, inter-bank remittances, speed remittances, etc. You can get 200 star points for every 10,000 yuan in settlement transaction volume.

ICBC Star Customer Service Standards

Contribution Stars

Refers to the star rating based on the total star point value calculated by the star rating model. It is the reflection of the actual contribution of individual users of our bank and is the basis for performance appraisal and information disclosure. The assessment cycle of contribution star rating is monthly.

Service star rating

To meet the needs of our bank's individual users for expansion and business development, the rating results adjusted according to certain rules based on the contribution star rating are also the basis for our bank's individual users to enjoy our bank's various priority preferential services. The adjustment of service star ratings is divided into systems There are three types: instant adjustment, account manager manual adjustment and fixed rating day adjustment.

Three-star customer content:

Mainly for college students (including graduate students) and those with short working hours and Young professionals with development potential are the potential target customer market that our bank focuses on and actively guides. It mainly attracts customers through the convenient services of the Peony Money Link Card co-branded card.

1. Service content. Provide savings deposits, Personal consumption loans, investment and financial products, bank cards, collection and payment, settlement and remittance, financial consulting, account management, electronic banking and other personal financial services.

2. Service channels. Mainly through financial convenience stores, The regular version of online banking, 95588 service hotline, mobile banking (WAP), self-service banking and other channels provide services to three-star customers.

Four-star service content:

1. Provide Savings deposits, personal mortgage loans, personal consumption loans, investment and financial products, bank cards, collection and payment, settlement and remittance, financial consulting, account management, electronic banking and other personal financial services.

　2. Distribution By issuing a regular credit card, customers can enjoy value-added services such as preferential merchant discounts for credit cards.

3. The bank’s regular version, 95588 service hotline, mobile banking (WAP), self-service banking and other channels are four-star customers. Provide services.

Five-star service content:

1. Provide six exclusive services for elite financial accounts, namely: Exclusive VIP channel Exclusive fee discounts Expert financial services ?Specialized for financial products?Professional account management?Exclusive exciting activities?Etc.

2. Provide automatic credit extension services for personal consumption credit loans. Each bank sets its own basic credit limit for each star rating, and customers can customize it according to their own needs. Decide whether to use the limit to further expand customer financing channels.

3. Allocate a gold credit card, and customers can enjoy value-added services such as credit card gold card preferential merchant discounts and airport VIP channels.

4. Enjoy relevant business rate discounts.

5. Service channels: Mainly through VIP financial center, online banking VIP version, 4006695588 VIP service hotline, mobile banking (WAP), self-service banking and other channels. Provide services to star-rated customers.

Six-star service content:

1. Provide four series of ten types of exclusive wealth management services, including wealth management Planning, asset management, account management services, financial advisory, wealth information services, VIP channels, exclusive rates, exclusive media services, global finance and value-added services, etc.

2. Gradually transform personal assistant services into The scope of benefits has been extended to all six-star customers, providing five services including comprehensive family protection, travel and personal business assistants, golf and luxury goods customization, global medical assistance, and China Automobile Roadside Assistance.

3. Provide Personal consumption credit loan limit automatic credit service, each bank sets its own basic credit limit for each star rating, and customers decide whether to use the limit according to their own needs, further broadening customer financing channels.

4. Approved to apply for platinum credit card, apply After success, you can enjoy Platinum Credit Card preferential merchant discounts, airport VIP channels and other value-added services.

5. Enjoy relevant business rate discounts.

6. Service channels: mainly through wealth management centers , online banking VIP version silver membership and 4006695588 VIP service hotline, mobile banking (WAP) and other channels are six-star

This is an introduction to the star rating. Double seven stars are quite valuable. You can go to the bank and ask how you can achieve double seven stars. Some banks say you can deposit 2 million on a regular basis, and some say 400 a month. More than 10,000 turnover, anyway, I still don’t understand how to achieve double 7.

Advantages of ICBC Double Seven Stars:

1. You can apply for ICBC loans ranging from 50,000 to 100,000 (the amount will vary depending on personal conditions and regions), and it can be raised to more than 300,000 by the end of the year Credit KA;

2. Personal credit enlarged to 500W;

3. Exclusive VIP financial management center;

4. Green channel priority service;

5. VIP financial services in Hong Kong and Macao;

6. Unique VIP version of online banking;

7. Telephone banking VIP channel;

8 , emergency support services;

9. Special merchant discounts;

10. Airport VIP lanes and other value-added services!