How to apply for a commercial credit card
The conditions for applying for a credit card are as follows: Applicants for the main card from domestic residents (excluding college students) must be 18 years old or above (inclusive) and have full civil A natural person with legal capacity, his or her workplace or fixed residence is in the location of the card issuer, and his or her income is stable and above the local average level. ICBC will review your application based on your comprehensive assets and other conditions, and whether it can be approved is ultimately subject to the approval of the card issuer.
You can apply for a card through the following channels:
1. Online channel: You can log in to mobile banking and apply for an ICBC credit card through the "Credit Card - Apply for a Card" function. Or complete the application through official APPs such as Rong e-Link and ICBC e-Life; you can also apply online through online banking.
2. Offline channels: You can go to a nearby ICBC branch with your personal ID, fill in the paper application form on site, complete it as required and attach necessary materials, then return it directly to the branch to apply. Processing, card issuance results are subject to final approval.
(Answer time: April 21, 2022. In case of business changes, please refer to the actual situation.)
How to apply for an ICBC credit card?
The conditions for applying for a credit card are as follows: Applicants for the main card from domestic citizens (excluding college students) must be over 18 years old (inclusive), a natural person with full capacity for civil conduct, and have a work unit or fixed residence in The card issuer is located where the income is stable and above the local average. ICBC will review your application based on your comprehensive assets and other conditions, and whether it can be approved is ultimately subject to the approval of the card issuer.
You can apply for a card through the following channels:
1. Online channel: You can log in to mobile banking and apply for an ICBC credit card through the "Credit Card - Apply for a Card" function. Or complete the application through official APPs such as Rong e-Link and ICBC e-Life; you can also apply online through online banking.
2. Offline channels: You can go to a nearby ICBC branch with your personal ID, fill in the paper application form on site, complete it as required and attach necessary materials, then return it directly to the branch to apply. Processing, card issuance results are subject to final approval.
(Answer time: April 21, 2022. In case of business changes, please refer to the actual situation.)
How can I get a credit card at ICBC
At present, in order to cooperate with the card suspension campaign, various banks have raised the threshold for opening an account and applying for a card. Not only do you need to provide an ID card, but also a corresponding work certificate or housing certificate before you can open an account and apply for a card.
The conditions for applying for an ICBC Savings Card are as follows: If you have business needs such as deposits and withdrawals, consumption, transfers, investment and financial management, you can apply for an ICBC Savings Card. You can choose to apply for Linkong according to your star rating. card or wealth management gold card, wealth management gold card.
The conditions for applying for an ICBC credit card are as follows:
1. Must be a natural person over 18 years old (inclusive) with full capacity for civil conduct.
2. The applicant must have a fixed residence or workplace in the location of the card issuer, and the income must be stable and above the local average level.
Now when you go to the bank to apply for a new bank card, you must meet several conditions:
1. If you have a local household registration, you only need to show your ID card and household registration book to apply normally.
2. If you are a customer from another place, you need to provide proof of employment or proof of residence (proof of residence, including real estate certificate, lease contract or utility bill payment list, etc.).
3. Detailed address. Many banks now require customers to provide detailed addresses, down to the building number.
4. Other requirements. Currently, different banks have different requirements for opening new bank cards. In addition to meeting the two conditions mentioned above, some banks will also set some additional conditions. For example, some banks require that a mobile phone number must be registered for more than six months; Some banks also require the employer to open a basic account with the bank before they can open a new bank card.
According to the conditions for applying for credit cards at major banks, if you are a local customer, you only need to provide a local household registration book and ID card to apply for a bank card normally, without providing proof of employment. But if you are a person with non-local household registration, you must provide proof of employment.
According to the "Overall Operation of the Payment System in the Third Quarter of 2020" released by the Central Bank, as of the end of the third quarter of 2020, the number of bank cards in use across the country was 8.798 billion, of which debit cards were in The number of issued cards is 8.033 billion. The number of credit cards and debit cards combined in total is 766 million. The average number of bank cards held by people nationwide is 6.28.
Among so many bank cards, there are actually many bank cards that have been idle for a long time. As a result, various activities such as buying, selling, and lending bank cards have occurred. These bank cards are illegal. In fact, transactions are used by some elements for illegal purposes, such as telecommunications, illegal transfer of assets, etc.
How to apply for an ICBC credit card?
If you want to apply for an ICBC credit card, you can apply in the following ways:
1. Apply at the counter:
Card holders can bring their ID cards and income certificates Wait for the materials to go to the ICBC business hall, apply to the staff for card application procedures, fill in the application form, and wait for approval before you can get the card.
2. Official website:
Cardholders can log in to the official ICBC credit card website () and click "I want to apply for a credit card" on the homepage. After entering the page, select the credit card you want to apply for and click "Apply Now".
3. WeChat application: (version number 8.0.11)
Card applicants can follow the ICBC WeChat official account and select "Recommended Products - Apply for Credit Card" to apply for a credit card.
ICBC
ICBC credit card has no limit on time and amount. If we want to apply for an ICBC large-value credit card, we first need to apply for an ICBC savings card. If ICBC has a savings card, it will have stars. ICBC has double stars, service stars and contribution stars.
ICBC credit cards are approved by the local card-issuing department. When applying for an ICBC credit card, you do not need to send the information to the Credit Card Center Headquarters for approval. You can also go to the local ICBC Card Department for approval. The most important thing for the local card sector is to contribute to the bank. The bank's contribution is to look at the bank's stars and swipe the stars, and then it will be easy to apply for a high-value credit card with ICBC. Relying on our Tika to make tickets has little effect. All we have to do is brush stars, brush stars, brush stars. If the star rating of ICBC is improved, ICBC's improvement will be a very obvious result.
ICBC’s star services are divided into service stars and contribution stars. With the real estate and ICBC loan in his name, the service star is enough, so it is easy to apply for a big card. . Generally speaking, as long as the savings and financial management card reaches double 7 stars, then go to the counter to apply for a credit card, which is basically 50,000.
The difference between Service Star and Contribution Star: Service Star refers to the services provided by ICBC to you, while Contribution Star refers to your contribution to ICBC. Contributions refer to the total of customers' deposits, purchased financial products and other financial products at ICBC. Contributions are automatically assessed by the system.
How to apply for an ICBC credit card?
The processing is divided into online processing and business hall processing:
1. Search ICBC online and click "Credit Card Center" to enter the ICBC credit card management page.
2. Scroll down on the ICBC credit card page to find the "I want to apply for a card" service. Feel free to click "Apply Now" under the introduction of various credit cards in the middle of the new page.
3. Fill in the card application city and application card type. Scroll down the page, select the type of credit card you want to apply for, click "Apply", and then fill in personal information, supporting materials, etc. according to the pop-up page. After submitting the application, wait for ICBC to review and issue the card.
For processing at the business hall:
Bring along your identity documents, a copy of your resident ID card or military officer's ID card; proof of work and income, salary certificate, or business card and photo badge. One; auxiliary materials that can prove that you have good financial strength, such as copies of real estate certificates, copies of driving licenses, copies of deposit receipts and other materials required for card application arrive at the ICBC business office.
Tell the lobby staff that you want to apply for a credit card, fill in the relevant information and submit supporting documents under the guidance of the salesperson.
Keep the reserved mobile phone number open while waiting for ICBC to review the information. ICBC will notify you whether the card application is successful. If the card application is successful, you can go directly to the business hall where the card was applied to collect the credit card.
CreditCard is a non-cash transaction payment method. It is a small credit payment tool provided by banks to users for consumption first and repayment later. The earliest credit card appeared at the end of the 19th century.
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.
That’s it for the introduction of how to apply for a credit card at ICBC.