ICBC credit card application process and issuing time

Before applying for a credit card, the applicant needs to know the characteristics and application conditions of the relevant credit card in advance. Here, taking ICBC as an example, we will introduce how to apply for a credit card online.

Step 1: Open the website of ICBC, find the credit card business in the business products, and click Enter.

step 2: select the type of credit card to apply for. Because credit cards are also divided into different types, you can choose the type that suits you.

Step 3: Fill in the application materials

Step 4: Wait for the card

How long does it take for a general application to fill out the form and get off the card?

generally, you will receive a card issuance notice from ICBC 15 working days after submitting the application materials. If you don't receive a card issuance notice from the bank after 2 working days (inclusive), or the applicant doesn't respond or refuse to receive the card from the bank notice, this application will be deemed invalid. That is to say, it takes about 1-15 working days for ICBC to apply for a credit card from filling out the form to issuing the card.

What is the online application process of industrial and commercial credit cards?

Every bank has its own credit cards, and ICBC's credit cards can be applied directly online, so there are actually many people who are not very clear about the online application process of ICBC's credit cards. The online application process of ICBC's credit cards is as follows:

1. Baidu searches ICBC's credit card center, registers and logs in, and operates according to the process after finding the credit card application page;

2. according to the credit card display of ICBC, select the type of credit card, and then click bid;

3. Fill in the application information as required, and make an appointment for the card receiving outlets. After carefully reading the relevant agreement, there is no objection and you agree with the applicant's statement;

4. After confirming the applicant's statement, click Submit to complete the application;

5. After the application is submitted successfully, you can log in to personal online banking to check the card processing progress;

6. After receiving the card, the pre-selected card collection outlets will send a card collection notification message to the applicant;

7. after receiving the notice, the applicant will take the valid ID card to the outlet to collect the card and activate it.

Inquiring about the progress of ICBC credit card

Generally, after applying for a credit card, you can't get it immediately, and the bank needs a certain time for approval and card making. So if the applicant is anxious to know the application progress of ICBC credit card, he can inquire through ICBC online banking, telephone and counter.

to inquire about online banking, you should first log in to ICBC online banking, then find the credit card service button and click it, then click "Inquire about the progress of online card application" on the page, and enter the ID number as required to inquire about the progress of credit card application.

to inquire about the progress by telephone, you need to call ICBC's credit card customer service number (95588). After dialing, you will be transferred to the manual customer service according to the prompts, and the customer service will inquire about the progress of the relevant credit card application according to the ID number provided by you.

for counter inquiry, you need to go to the counter of ICBC where you are located, and the staff will cooperate with you to inquire about the progress of credit card application.

industrial and commercial credit card limit

When using a credit card, everyone will pay close attention to the limit, but the credit card limit of any bank varies from person to person, and the bank will approve the relevant credit card available limit according to the applicant's credit status and repayment ability.

At present, the credit card limit of ICBC is divided into three classes. Generally, the credit card limit is within 1, yuan, the gold card limit is between 1, and 5, yuan, and the platinum card credit limit is above 5, yuan. Of course, the actual approval limit of each applicant is related to the information provided by himself. If the cardholder thinks that the credit card limit of ICBC he uses is too low, he can apply to ICBC for an increase. Generally, as long as he has held the card for more than half a year and has no overdue record, he can apply to ICBC for an increase in the amount. Generally speaking, as long as you spend more money by credit card and repay the money on schedule every month, the bank will apply for it by withdrawing the amount.

what is the process of ICBC's credit card processing?

If you want to apply for an ICBC credit card, you can do it in the following ways:

1. Counter processing:

Cardholders can bring their ID cards, income certificates and other materials to the business hall of ICBC, apply to the staff for card processing, fill in the application form, and then get the card after it is approved.

2. official website:

Cardholders can log in to ICBC Credit Card official 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 processing: (VersionNo. 8..11)

Card applicants can pay attention to ICBC WeChat WeChat official account and select "Recommended Products-Apply for Credit Card" to apply for a credit card.

ICBC

ICBC's bank credit card is unlimited in time and amount. If we want to apply for ICBC's large credit card, we need to apply for ICBC's savings card first. If ICBC has a savings card, there will be stars. ICBC has two stars, a service star and a contribution star.

ICBC's credit card is approved by the local card issuing department. When applying for an ICBC credit card, you don't need to send the information to the credit card center headquarters for approval, but you can also go to the local ICBC card department for approval. The most important thing for the local card department is to contribute to the bank. The contribution of the bank is to look at the star of the bank, brush the star, and then it is easy for ICBC to apply for a high credit card. It is of little use to make tickets by our card. All we have to do is brush the stars, brush the stars, brush the stars. If the star rating of ICBC is improved, the promotion of ICBC is a very obvious result.

the star service of ICBC can be divided into service star and contribution star. With his real estate and ICBC loan, the service star is enough, so it is easy to apply for a big card. . Generally speaking, as long as the savings and wealth management card reaches double 7 stars, and then go to the counter to apply for a credit card, it is basically 5,.

difference between service star and contribution star: service star refers to the service provided by ICBC, and contribution star refers to your contribution to ICBC. Contribution refers to the sum of customers' deposits in ICBC, purchases of financial products and other financial products, and the contribution is automatically assessed by the system.

what is the credit card processing procedure of China Industrial and Commercial Bank?

At present, there are two channels for ICBC to apply for a credit card, one is to apply at the counter with credit certificate, and the other is to apply at online banking.

the general requirement is that the applicant has a fixed residence in the place where the issuing bank is located (generally, the permanent residence of the household registration is the same as the place where the application is made), and the income is stable and above the local average income level.

first, the counter application requires the applicant to submit relatively complete asset certification documents, such as ID card, income certificate, self-owned property vehicle certificate, etc., and submit them to ICBC for review by the background audit department of ICBC.

to apply for online banking, applicants need to open online banking, and truthfully fill in their personal data on online banking for the background audit department of ICBC to review. The higher the star rating of customers, the easier it is to approve cards. In principle, customers with four or five stars or more will approve cards.

the specific operation of online banking application is as follows: the applicant can open online banking with his own savings card account, enter ICBC official website, enter the login password and verification code, and then enter the user's online banking welcome page, which shows the user's star rating. There is a "credit card service" page on the user's online banking. You can choose to apply for a credit card under the credit card service page, fill in the information and submit it, and the review progress and results will be displayed on the online banking.

Star service is an innovative service launched by ICBC to give back to customers. Customers can get star rating according to their business volume and enjoy corresponding services (credit card application, fee reduction, etc.).

what is the credit card application process of ICBC? Look carefully!

ICBC credit card application process

An ICBC credit card needs to go through such a process from the application to the arrival of the customer. First, the applicant selects the card type to be applied for and reads the consent agreement. Then, he fills in the card application form and submits relevant identity information and copies to the bank. The bank will send the materials to the credit card center, which will review the applicant's customer identity, and then generate a business card printing data file and send it to the business card printing center. Generally, it takes 3 working days for ICBC to make a credit card.

three ways to activate the credit card

after receiving the credit card, it is not immediately available, and the cardholder needs to activate the card. There are three main ways to activate the ICBC credit card:

1. official website activates

Log in to ICBC credit card official website and enter Peony Card Activation under "Bank Card Service". Input, card validity period, cardholder's name, certificate number and other related information, then click the OK button, and finally set the credit card password and confirm it to complete the ICBC credit card opening.

second, customer service telephone self-service activation

the cardholder uses the telephone number and mobile phone number filled in when applying for a credit card to access the ICBC customer service hotline to open the card. Enter personal information such as credit card and valid certificate (ID card) number according to the voice prompt, and you can successfully open the card after completing the identity verification. After opening the card, you can set the consumption password.

Third, the counter of the bank outlet is activated

ICBC credit card has been made, which means that you successfully applied for the card and received the card. If you need a credit card, you can click on the credit card entrance at any time. Here is the most complete credit card family photo.

what is the process of handling industrial and commercial credit cards?

online application

1. Users who have opened ICBC's personal online banking need to log in to ICBC's online banking first, then select the credit card service, then select the option of applying for a credit card, find the application link and enter the application page.

2. After entering the application page, select the credit card application area, and the system will list the types of credit cards that can be handled in this area for users to choose. Users can choose the credit card that suits them, click "Apply Now" and enter the information filling page. Pay attention to fill in the information, be sure to fill it in truthfully and accurately.

3. after completing the information, click the "submit form" button.

At this time, ICBC's credit card application is completed, and the rest is the bank's review. After submission, the system will automatically conduct a preliminary review of the application, and then submit it to the local branch for further review.

operating environment: browser computer: macbookpromos14 opens google version 92..4515.131

offline application:

1. Bring my original ID card

2. The company issues income and employment certificates. You need to stamp the official seal or financial and labor seals

3. If you have real estate under your name, you can bring the original real estate license

4. If you have a car under your name, you can bring the original driving license

5. Tax payment certificate (you can get your ID card from the local tax bureau and print the tax payment form for the last year)

The above 2 is a necessary condition, and 3, 4 and 5 are optional conditions (conducive to your successful application and increased credit limit) to bring the above materials to.

on average, outlets submit credit card application forms once a cycle. First, the local branch will conduct preliminary examination. After the preliminary examination is successful, it will be sent to the provincial branch for review or directly to the head office for credit approval. It usually takes about 15-2 working days. During the approval process, we will call your home or unit to simply verify the information you submitted. After everything is correct, the card can be issued.

1. Conditions for ICBC to handle credit cards

1. At least 18 years old (inclusive)

2. Having full capacity for civil conduct

3. Working unit or permanent residence in the place where the card issuer is located

4. Stable income and above the local average.

consumers who meet the above conditions can apply for peony credit card at any business outlet of your local industrial and commercial bank. In addition, after the credit card is successfully processed, you can also apply for no more than two supplementary cards for your spouse, parents or children over 13 years old.

ii. materials required for ICBC's credit card processing

1. valid personal identification documents, such as resident identity card, military officer's card, soldier's card, and armed police officer's card.

2. Proof materials that can prove or prove the solvency, income level and credit status, such as personal income tax certificate, payment certificate of social security fund account, credit certificate of other banks, employment certificate or income certificate issued by the unit, qualification certificate issued by the cooperative unit of ICBC, etc.

: Generally, when applying for credit card withdrawal, it is helpful to submit some auxiliary application materials to successfully apply for withdrawal. What information does ICBC need for credit card withdrawal?

When withdrawing the amount, the cardholder can provide some information that was not provided when applying for a credit card, such as the real estate under his name, the car, the deposit slip in ICBC, the wealth management products purchased, etc., which are all helpful for the applicant to withdraw the amount. In addition to providing some auxiliary materials for the application, some tips for withdrawing the amount must also be known ~

1. Use the card frequently to make use of every opportunity

. Even if you buy a bottle of mineral water, you can use a credit card when you pay electricity, water and telephone bills. Don't underestimate these small credit card records, which is very useful for your card activity. Credit card amount, credit card frequency, consumption type, repayment record and credit card contribution value

So much for the introduction of ICBC's credit card approval process.