Can I apply for an ICBC credit card as long as I have a monthly statement?
The two most effective ways to apply for a large credit card
The most effective One way: Submit proof of property
For large credit cards, the choice of bank credit card does not matter. What matters is whether your proof of property complies with the bank's regulations.
Generally speaking, property certificates include: real estate, cars, financial products, etc. under the personal name.
Taking Minsheng Bank as an example, its large-deposit credit cards are divided into: Diamond Card (starting limit is 200,000), Deluxe Platinum Card (starting is 80,000), and Standard Platinum Card (starting is 40,000).
If you provide real estate under your personal name, the required conditions are: the standard platinum card requires the real estate value to be more than 800,000, the deluxe platinum card requires more than 1.6 million, and the diamond card requires more than 3.2 million.
However, the bank does not accept the car title certificate.
Guangfa Bank, China Merchants Bank, etc. accept vehicle-related certificates.
The second most effective way: apply for a card with a card
Applying for a card with a card is an effective way to apply for a large credit card. Taking Minsheng Bank as an example, applying for a card does not require any additional proof of assets: the applicant is required to have a credit card that has been used for more than half a year, and the credit limit of the card is at least 40,000. The application conditions are: the original card limit If you spend more than RMB 40,000, you can get a standard platinum card, if you spend more than RMB 80,000, you can get a deluxe platinum card, and if you spend more than RMB 150,000, you can get a diamond card.
When applying for a large credit card, according to the bank's scoring system standards, some conditions are most applicable, such as a good credit record, a superior career, a stable high income, high deposits, etc.
If you can’t get a recommendation card, you can only spend money to find someone.
To apply for a card or withdraw cash, you can contact me.
You cannot apply for an ICBC credit card if you only have one month’s running account:
The conditions for applying for the card are as follows:
1. Be 18 years or older;
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2. Hold a valid ID card;
3. No bad credit record;
4. Proof of employment and income certificate stamped with the financial seal of the unit; < /p>
5. Other proof of financial resources, such as real estate, cars, stocks, bonds, etc.;
6. Social security certificate; the first 4 are the most basic requirements, if 5 to 6 proofs can be provided Materials will increase the application success rate and credit limit. Can I apply for a credit card from China Merchants Bank with one month's running account?
A monthly journal is usually not acceptable. When applying for a credit card, proof of income and property are required.
Bank credit card application conditions:
①Age requirements: Domestic residents must be between 18-65 years old, and foreigners must be between 25-65 years old;
②Job requirements: Have a stable workplace, income and fixed residence;
③Credit requirements: No bad credit record. Applicants for supplementary cards must be the parents, spouse or children of the primary cardholder and be between the ages of 16-65.
Bank credit card application materials:
① Identity proof information:
Copy of resident ID card or military officer ID card; if you are a compatriot from Hong Kong and Macao, you need to provide travel information to and from the mainland A copy of the pass and residence permit for more than one year; if you are a foreigner, a copy of your passport and residence permit for more than one year is sufficient.
②Employment and income certification documents:
Choose between salary certificate or business card and badge with photo.
Proof materials that can prove that you have good financial strength: copy of real estate certificate, copy of car driving license; copy of bank loan account (good credit, overdue not more than 60 days) or deposit certificate.
Can I apply for an ICBC credit card with just a driver’s license?
In some places, you can use your driver’s license to apply for a credit card, but you also need to provide proof of work and income. This credit card is specially used for The driver pays a fine. Can I apply for a credit card at ICBC as long as I have a driver's license?
If I apply for an ETC card, a driver's license is sufficient.
The initial limit is generally 600-5000. It has all the functions of an ordinary credit card. The card has no annual fee. Violation fines can be paid withholding, etc. Can ICBC apply for a credit card as long as you have a driver's license?
The application conditions of ICBC are not very clear. I am from Chengdu Bank of Communications. Let me tell you about the application conditions of Bank of Communications. ICBC's should be similar to those of Bank of Communications. of.
Chengdu Bank of Communications credit card application conditions (you can meet one of the following, please call: user name.)
As long as you meet one of the following: Free door-to-door application in Greater Chengdu except Pujiang , Qionglai
Bank staff can handle it formally and cannot cash out
1. ID card + social security number of the unit
2. ID card + proof of income (with official seal or personnel seal)
3. ID card + copy of work badge (handwritten work badge has unit stamp or printed work badge)
4. Copy of ID card + other bank credit cards ( More than half a year)
5. Copy of ID card + business card
6. ID card + business license for more than 2 years
7. If you graduated after 2003 Have a college or bachelor's degree and be under 30 years old. You only need an ID card to apply. No other information is required.
8. If you have a mortgage property loan in your name, (all domestic banks are acceptable). You only need an ID card to apply. No other information is required. Can I apply for an ICBC credit card if I have a CCB current account statement?
I cannot apply for an ICBC card if I only have a CCB current account statement.
A copy of valid identification documents and a completed and signed application form must be provided.
Other materials: Copy of front and back of CCB credit card, copy of CCB fixed-term, bond, fund, and wealth management product account opening certificate, copy of CCB loan agreement.
CCB credit card customers: Those whose annual consumption (without suspicion of cashing out) reaches 5,000 yuan or the equivalent in foreign currency can apply for a regular card; those whose annual consumption reaches 10,000 yuan can apply for a gold card; those whose annual consumption reaches 100,000 yuan ( Except for large purchases such as house and car purchases), you can apply for a platinum card; the account credit limit can be determined based on the consumption amount, number of transactions, points, etc.
CCB’s financial asset customers (including fixed-term, bonds, funds, and wealth management products): those with an asset value of RMB 50,000 or the equivalent in foreign currency can apply for a regular card, and those with an asset value of RMB 200,000 can apply for a gold card. Gold cards worth up to 1 million yuan can be applied for.
CCB loan customers (personal housing loans, consumer loans): The credit card grade and credit limit will be determined by comprehensively considering factors such as their loan limit, repayment amount, and default record.
With a copy of your ID card + signed application form + driver’s license, you can apply for an ICBC smooth credit card.
With a copy of your ID card + signed application form + car ownership certificate, you can apply for an ICBC transportation credit card. Can I apply for an ICBC credit card as long as I have my ID card and work permit? Can I apply for it at the bank's business hall?
Hello, ICBC credit card application - detailed process:
This article introduces the ICBC credit card application process in detail and teaches you how to easily apply for an ICBC credit card. Before I start the text, I need to explain to you that currently domestic banks’ online credit card applications require downloading the form online, printing it out, filling it out and mailing it to the bank’s credit card issuance center. There is no website or bank that can directly apply for a credit card online without mailing the information. .
To apply for an ICBC credit card, you should first read the Industrial and Commercial Bank of China Peony Card Acceptance Agreement and the Industrial and Commercial Bank of China Peony Card Acceptance Contract Supplementary Agreement, as well as the ICBC Credit Card Application Instructions. Make sure you have read the above materials carefully before proceeding to the next step.
Then download the Industrial and Commercial Bank of China Peony Card application form and fill it out accurately based on your true situation. When filling out the ICBC credit card application form, please note: the applicant's ID must be an ID card only; the applicant's and contact person's work and residential addresses must be accurate to the house number; the contact number must be true and valid. Click here to view "Sample of ICBC Credit Card Application Form".
Next, you need to submit the application materials to the ICBC credit card. Please print the completed application form on A4 paper. The main card applicant will sign the form manually and mail it to the local credit card center together with the following materials. , please mark "Apply for Card" on the envelope. Materials required:
(1) Copy of ID card (must be provided) (2) Copy of proof of fixed residence, such as house ownership certificate, public housing rental agreement or public housing purchase agreement, etc. (3) Copies of our bank’s housing loan contract and car loan contract. (4) Practicing qualification certificates, such as "Teacher Qualification Certificate", "Lawyer Practicing Certificate", "Physician Practicing Certificate", "Practicing Pharmacist Registration Certificate", "Enterprise Legal Counsel Practicing Qualification Certificate", "Auctioneer Practicing Qualification Certificate", Copies of "Certificate of Certified Public Accountant", "Certificate of Chinese Practicing Auditor", etc. (5) A copy of the work certificate of a national public employee or a copy of the financial plan card of a personal financial plan customer.
*(2)-(5) At least one item must be submitted. Rich and comprehensive supporting materials will help you speed up your card application and increase your credit limit.
The last step is to wait for the credit approval of the ICBC Credit Card Center. You will receive a card issuance notice from ICBC 15 working days after you submit the application materials. Please bring the principal card applicant to the local card-issuing bank with your original ID card. Receive the card and go through relevant procedures. You cannot entrust others to do it for you.
If the bank does not receive a card issuance notice after 20 working days (inclusive), or the applicant does not respond to or refuses the bank’s notice to collect the card, the application will be deemed invalid and the submitted information will be deemed as invalid. The bank will not refund.
The above content is from the official website of the Industrial and Commercial Bank of China. I hope it will be helpful to users of the Credit Card 123 website. For more information about ICBC credit cards, please visit the "ICBC Credit Card Center" on the Credit Card 123 website. Can I apply for an ICBC credit card if I have a driver's license?
Hello!
A driver’s license cannot be used for credit cards.
Apply for a credit card, card application conditions and required information.
Conditions: Applicants should be between 18 and 60 years old (25 to 60 years old for overseas applicants), have certain financial capabilities and have a good credit record. The result of credit card application shall be subject to actual review by the bank.
Information: Bank credit card application form, copies of the front and back of ID card (foreigners: passport and residence permit or employment permit; Taiwanese: Taiwan compatriot card and employment permit; Hong Kong and Macao residents: return permit and Employment permit/residence permit) and work certification documents issued by the employer.
In addition, providing the following information will help increase your credit limit, such as: a copy of the bank’s savings account statement for the past three months; the original asset balance certificate of the financial account opened by the bank; a copy of the real estate certificate (including My name) + a copy of any water, electricity and coal invoice of the property in the past 3 months; a copy of my car driving license.
If you meet the above conditions, you can try to apply. I wish you success in applying for the card! Once I have applied for an ICBC credit card, can I also apply for another ICBC credit card?
Yes. The same customer has multiple credit cards in the same name of the same bank, with unlimited credit limits and separate repayments.