What is the general limit of ICBC credit cards?

ICBC credit cards can be divided into regular cards, gold cards and platinum cards; generally, the limit of regular cards is less than 50,000 yuan, and most people The initial application limit is only a few thousand yuan; the initial limit of a gold card is generally 10,000 yuan, but the maximum limit will not exceed 100,000 yuan. The minimum limit of a platinum card is generally 50,000 yuan, and the maximum limit is not set. However, when you apply for an ICBC credit card The credit limit is determined comprehensively based on the materials submitted by the applicant. If the submitted materials are not good, the gold card credit limit may only be a few thousand yuan.

When applying for an ICBC credit card, it is generally required that the applicant must be over 18 years old and have full capacity for civil conduct; the bank will also require the applicant to have a stable income and the corresponding repayment ability, and a credit report Good, etc.; if you want to increase the application limit, you can submit necessary financial proof, such as real estate information, vehicle information, provident fund, etc. After submitting these materials, you can increase the limit of the card.

In fact, the application method will also affect the card limit. Generally, the credit card limit applied through the Internet will be lower than that at the bank counter. This is mainly because it is inconvenient to submit many supporting documents when applying online. However, it is better to apply online and get the card. The time is faster than that at the bank counter. If you are in a hurry to use your card, you can choose to apply for a credit card online. You can directly log in to the official website of ICBC to apply. You can choose your favorite card when applying.

If this is the first time you apply for an ICBC credit card, the credit limit is not very high. At this time, you can activate the credit card first, and then apply for a limit increase. Generally, you can apply for a temporary limit after 3 months of using a new card, and you can apply for an increase in the fixed limit after 6 months. Generally, you can apply for a limit increase by calling the ICBC credit card customer service hotline. .

When using an ICBC credit card, you must repay it on time. It cannot be overdue, even if it is overdue for one day. ICBC does not provide a grace period for repayment. This is different from other banks and requires special attention.

I would like to ask what is the limit when applying for an ICBC credit card for the first time

ICBC credit cards generally have three types: regular card, gold card, and platinum card. The limit for an ordinary credit card when applying for the first time is 1,000-10,000. Yuan; the application limit for Gold Card is 10,000-50,000 Yuan; the application limit for Platinum Card is 50,000-100,000 Yuan. The applicant's application conditions, application qualifications and credit history will affect the credit card limit. If the individual submits complete materials and has sufficient financial capacity and a good credit record, the application limit will be higher. Of course, you can also increase your credit card limit by increasing the frequency and amount of card purchases and using credit card installments appropriately.

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The initial application limit for an ICBC credit card

Under normal circumstances, our When applying for an ICBC credit card, the credit limit is not too high. The initial application limit for an ICBC ordinary credit card is generally 1,000-10,000 yuan, for a gold card it is generally 10,000-50,000 yuan, and for a platinum card it is generally 50,000-100,000 yuan. The limit depends on personal qualifications, good credit and financial strength.

ICBC’s credit cards have three levels, namely regular card, gold card and platinum card. As the name suggests, the limit of ordinary cards is usually the lowest, and the limit of platinum cards is definitely the highest.

So, just looking at the credit limit, compared with most other banks, in most cases, the credit limit of ICBC credit cards is relatively low. Of course, it also depends on your qualifications. If you are a super customer of ICBC, if you apply for a credit card, the credit limit will be very high, and your credit limit will increase very quickly in the future.

What is the limit for applying for a credit card at ICBC for the first time?

Generally, the limit for applying for an ICBC credit card for the first time is not too high. Depending on the type of credit card applied for, the limit for an ordinary credit card is 1,000-10,000 yuan, for a gold card is 10,000-50,000 yuan, and for a platinum card is 50,000-100,000 yuan, so It depends on the type of card you choose. Of course, this is decided by the bank based on your financial resources. If you are strong, it is not impossible. Generally speaking, the limit for the first ICBC credit card is not too high. Depending on the type of credit card applied for, ordinary credit cards cost 1,000-10,000 yuan, gold cards cost 10,000-50,000 yuan, and platinum cards cost 50,000-100,000 yuan. The first swipe of an ICBC general credit card is generally 3,000~10,000, the gold card limit is 10,000~50,000, and the platinum card limit is more than 50,000.

1. During the credit card review process, ICBC should first refer to the applicant’s credit record. If the applicant has a serious credit history, the application success rate is zero. ICBC's credit card limit is determined based on the applicant's application conditions, application qualifications and credit history. If the applicant has complete application conditions, comprehensive financial proof and a good credit record, he will get a good credit card limit. Generally, the ICBC card limit is 3,000~10,000, the gold card limit is 10,000~50,000, and the platinum card limit is more than 50,000. However, there are often some irrelevant factors that will affect our credit card limit, so that we can not get such High limit.

2. The credit card limit is determined by the bank based on the applicant's credit status and the credit card level applied for. It generally follows the following standards: credit card limit: 0-10,000 yuan; credit card gold card limit: 10,000-50,000 yuan; Platinum card and above: 50,000 and above. The specific amount is subject to the final approval of the bank. If you want to get a high amount, try to provide more financial proof to ensure a good credit report, and apply for the card at the clerk's door or at the bank branch counter. The emergence of credit cards has given us more, so credit cards are very popular in the market. But for us ordinary people, if we want to apply for a credit card, it is understood that the most important condition for applying for a credit card is to be between 18-60 years old and have a stable job and income. The documents required for application are identity documents and employment A copy of the certificate. However, for ordinary people to apply for a credit card limit, the credit card limit is actually uncertain. It is mainly reviewed based on the materials you applied for. If your income source is relatively stable, your credit card limit will be relatively high.

3. Credit cards must be swiped and used frequently in order to continuously increase the limit. Because you are swiping your card and generating fee revenue for the bank. Generally speaking, the monthly consumption of a card should be maintained at more than 6 times. If the card limit exceeds 50% of the total credit limit, you will have a greater opportunity to increase the limit. Falling into the vicious cycle of using cards to store cards, many people will use the method of storing cards to recycle their cards. This approach can provide short-term relief. In the long run, there is only one outcome: interest rates soar and eventually collapse. Moreover, this method of withdrawing the card does not meet any conditions for raising the limit. Banks prefer cardholders who are stable, rational, and have good spending habits. If you don't use your card for three to five months, or if you suddenly swipe your card crazily for a period of time, you may even spend a lot of money. Then the bank will determine whether your consumption situation is unstable or even whether there is a problem with your personal finances. At this time, the bank is likely to reject your withdrawal application.

What is the credit limit when applying for a credit card at ICBC for the first time?

The credit card limit of ICBC is determined based on the applicant’s application conditions, application qualifications and credit record. If the applicant has Complete application conditions, relatively comprehensive financial proof, and a good credit record. ICBC's regular card limit is generally 3,000~10,000, the gold card limit is 10,000~50,000, and the platinum card limit is more than 50,000.

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, usually the credit limit of each card is independent. The consumption or deposit of one card will not affect the available credit limit of other cards. There is usually a limit between multiple international cards. The limit can be adjusted through 95588 manual service.

Extended information:

Several factors that affect credit card credit limit:

1. Personal conditions

Applicants must meet the most basic requirements The application conditions can only guarantee that you will apply for a credit card, but you may encounter a "zero" limit. To avoid this situation, applicants must have a fixed job and stable income, and the monthly salary should preferably be more than 3,000 yuan. In addition, applicants must ensure that their personal credit report is good and they have no serious bad records.

2. Economic conditions

Economic conditions will directly affect the credit limit of cardholders. Cardholders with better conditions will receive higher credit limits. Economic conditions mainly include real estate, cars, deposits, etc. in the name of the cardholder.

3. Other conditions

The applicant’s gender, age, position, education, etc. will also affect the credit card limit. In some banks’ review standards, the applicant’s Marital status is even considered as one of the criteria.

Industrial and Commercial Bank of China-Credit Card Services

Industrial and Commercial Bank of China-Customer Service

That’s it for the introduction of the limit for applying for an industrial and commercial credit card for the first time.