Credit cards without overdraft limit are quasi-credit cards and do not incur annual fees. The following is an example of the ICBC quasi-credit card:

Quasi-credit card, application conditions and provided information Certification materials:

Copy of the main card and supplementary card applicant’s ID card (required). Identity documents refer to resident identity cards, military officer ID cards (armed police officer ID cards), Mainland Travel Permits for Hong Kong and Macao residents, Mainland Travel Permits for Taiwan compatriots, and passports.

Work certification documents, such as a copy of the work permit, the original work certificate issued by the work unit, a copy of the professional qualification certificate, and one of the copies of the professional title.

If you provide a copy of the ICBC "Elite Financial Management Fund" account or a copy of the graduation certificate and degree certificate of a master's degree (inclusive) or above, it will speed up your card application process. Applicants who work in companies (enterprises) are generally required to provide documents proving their own real estate (copies of their own real estate certificate, public housing lease agreement or public housing purchase agreement, housing loan contract, etc.).

In order for the application to be processed as quickly as possible and to have an accurate credit limit, please provide the following financial support documents, such as bank salary records, income certificates issued by the unit, income tax and withholding vouchers, and own cars. Copies of driving license, ICBC time deposit receipt and other documents.

Note: The materials required by other banks are basically the same.