Universal credit card is a kind of credit card issued by China Industrial and Commercial Bank with low application threshold, which is called universal card. Generally, only the credit limit of 0.0 1 to 10 yuan is issued, and the bank defines Volkswagen credit card as a credit card with a credit limit of less than 2,000 yuan.

Almost all the credit cards issued by ICBC provide the popular version. This kind of credit card can be processed only by ID card, without proof of assets, work, etc. It is no different from ordinary credit cards, and the card handling rate is high.