How to quickly increase the ICBC credit card star rating

If you become an ICBC star user, or even a seven-star user, you can enjoy ultra-high VIP services, apply for ICBC's top credit cards, and avoid queuing. , airport VIP lounges, discounts and cashbacks, multiple points, etc. So how are industrial stars classified?

ICBC credit card points according to contribution star points:

1. Seven-star customers: star points value is above 80,000 (inclusive)

2. Six-star customers First-class customers: star point value 10,000 (inclusive) ~ 80,000

3. Five-star customers: star point value 2,000 (inclusive) ~ 10,000

4. Four-star customers: star Point value 500 (inclusive) ~ 2000

5. Three-star customers: star point value 50~500

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

What is the star point value? How to upgrade?

Related indicators and calculations

1. Financial assets

Financial assets indicators consist of two items: short-term assets and medium- and long-term assets. The indicators are calculated as Half-year average daily balance of financial assets.

(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 debt

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 date of each personal debt. average balance.

(1) 100 star points can be obtained for every 10,000 yuan of personal housing mortgage loan.

(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) 200 star points can be obtained for every 10,000 yuan of credit card interest-bearing overdraft.

3. Intermediary business

The intermediary business indicator consists of three detailed items: investment and wealth management transactions, card consumption transactions, and settlement transactions. The indicator calculation caliber is the cumulative transaction amount in 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 ratio and then included in the indicator statistics.

(1) Investment and financial management categories

Transaction indicators mainly include: fund purchase and redemption (excluding monetary funds), financial product purchase (excluding Linkong Express), and treasury bond purchase , insurance purchase, gold 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 Cards and other types of transactions generated through POS card consumption. You can get 400 star points for every 10,000 yuan of investment and financial management transactions.

(3) Settlement type

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

Note: Cross-border remittances are not included.

The financial customer service manager’s computer can check the star value details in the personal customer marketing system menu.

How to improve the star rating of Jinshang Bank’s credit card

1.

Don’t repay on time, repay on time, preferably in advance;

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2.

Repay in full, reduce the number of installments and minimum repayments;

3.

Standardize the use of cards, Do not engage in illegal activities such as cashing out;

4.

Frequently swipe your card for consumption, maintain normal consumption habits, and maintain good consumption records;

5.

Increasing overseas consumption can also improve your credit rating;

6.

The longer you hold the card, the higher your credit rating will be.

Which method can improve your credit rating?

1. Pay attention to on-time repayment; diversify consumption patterns; increase the frequency of card use; increase overseas consumption; hold the card for a long time; standardize card use.

2. For example, for ICBC customers who meet one of the following conditions, if the current service star rating is low, the system will automatically and immediately increase it to the corresponding star rating:

(1) Signing The private banking service agreement adjusts the service star rating to seven stars.

(2) Open an ICBC Wealth Management Gold Account Card or Platinum Credit Card, and adjust the service star rating to six stars.

(3) Open an elite financial account, a gold credit card, and adjust the service rating to five stars.

(4) Open a general credit card and adjust the service star rating to four stars.

3. Indicators:

1. Financial assets The financial assets indicator consists of two items: short-term assets and medium- and long-term assets. The indicator is calculated as the half-year average daily balance of each financial asset. .

(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 fixed deposits), provident fund deposits, financial products (excluding Link Express), funds (excluding money market funds), and 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) 200 star points can be obtained for every 10,000 yuan of credit card interest-bearing overdraft.

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

(1) Investment and financial management transaction indicators mainly include: fund purchase and redemption (excluding monetary funds), purchase of financial products (excluding Lingtong Express), treasury bond purchase, insurance purchase, gold 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, quasi-credit cards and other cards through POS Transactions generated by credit card purchases. You can get 400 star points for every 10,000 yuan of investment and financial management transactions.

(3) Settlement transactions mainly include off-site deposits and withdrawals, off-site remittances, inter-bank remittances, speed remittances, etc. You can get 200 star points for every 10,000 yuan in settlement transaction volume.

How to increase stars at Agricultural Bank of China

Star points can be accumulated by using Agricultural Bank of China credit cards for point-based consumption and by using credit card overdrafts to withdraw cash.

According to reports, customers opened an Agricultural Bank of China account at Agricultural Bank of China, and in the past three months, they have held financial assets, handled financial transactions, signed product and service contracts, used Agricultural Bank of China credit cards to accumulate points, and used credit card overdrafts to withdraw cash. Star points can be accumulated.

Agricultural Bank of China conducts star rating based on the customer's star value and comprehensive credit situation, with the highest being seven stars and the lowest being one star. Agricultural Bank of China’s private banking customers are all rated as seven-star VIPs.

This is the end of the introduction on how to upgrade credit card stars and how to upgrade bank cards to credit cards. I wonder if you found the information you need?