What is the limit of ICBC Platinum Credit Card?

1. What is the limit of ICBC Platinum Credit Card?

It is understood that the maximum limit of ICBC Platinum Credit Card can be as high as 200,000 to more than 1 million. And the annual fees for platinum credit cards are generally very high. For example: ICBC’s platinum credit card has a limit of 200,000 and an annual fee of 2,000. You must swipe the card every year for 200,000 to be exempted.

2. How is the maximum limit of ICBC Platinum Credit Card determined?

The maximum limit of the ICBC Platinum Credit Card is the comprehensive credit limit of the credit card. The maximum limit of the ICBC Platinum Credit Card is scored based on your various circumstances:

1. The most important thing is your job, which indicates your cash inflow ability and stability. The best one is a civil servant, followed by Public institutions, followed by large enterprises, foreign-funded companies, etc.

2. Next is the position. The higher the position, the higher the income, the stronger the solvency, and the higher the quality.

3. Credit history, your previous credit card repayments and loan repayments.

4. Educational level.

5. Asset status, real estate, vehicles, deposits, etc. will give you extra points.

Therefore, the maximum limit of the ICBC Platinum Credit Card depends on your own comprehensive credit limit. If you meet the high-limit conditions listed above, your Platinum Credit Card limit must also be very high.

The credit cards issued by the Industrial and Commercial Bank of China are uniformly named Peony Cards, and are divided into platinum cards, gold cards and regular cards according to their credit levels. Regular cards generally refer to credit cards with a credit limit of less than 10,000, gold cards generally refer to credit cards with a credit limit of 10,000 to 50,000, and platinum cards generally refer to credit cards with a credit limit of more than 50,000. They are the most advanced credit cards of ICBC. Card replacement, loss reporting, There are no handling fees for transfers and remittances, deposits and withdrawals in other places, free aviation accident insurance up to 4 million, VIP treatment at the airport, etc.

How to apply for the ICBC Credit Card Platinum Card:

Many people must have heard about ICBC’s star-level customer standards. If you want to apply for the ICBC Credit Card Platinum Card, the applicant needs to be from ICBC A 6-star customer or a 7-star customer.

Of course, in addition to star customers, cardholders also need to meet the following application conditions:

1. Applicants need to be over 18 years old, under 60 years old, and have A natural person with full capacity for civil conduct;

2. The applicant must have a good personal credit record and no bad behavior records such as overdue and cash out;

3. The applicant must have a stable The applicant must have a job and legal source of income, and the applicant’s annual after-tax income reaches 200,000, or the company he works for is a department manager, supervisor, or leader with intermediate or senior professional titles in the Fortune Global 500 or the Top 100 in China.

4. Applicants must have certain financial conditions and have personal assets of more than 1 million. Proof of financial resources such as real estate, cars, certificates of deposit, funds, and stocks can be provided.

5. In addition to the above, if the applicant is a senior leader or financial person in charge of a party and government agency, a social group, or a financial institution, the success rate of applying for an industrial and commercial credit card platinum card will be very high.

How about the ICBC Platinum Credit Card?

The Platinum Credit Card among ICBC credit cards is the best, with the highest limit. The maximum limit for users can be as high as 200,000 to more than 1 million. Compared with ordinary cards, the limit is several times higher. times, because the credit limit of ICBC credit card regular and gold cards is usually less than 50,000 yuan, and the credit limit of ordinary cards rarely reaches tens of thousands of yuan, while the credit limit of platinum cards is usually more than 5 yuan.

The platinum credit card among ICBC credit cards is a higher-level type. Cardholders can enjoy many exclusive benefits and services, but the annual fee of platinum credit cards is generally high. For example: ICBC's platinum credit card has a maximum limit of 200,000 and an annual fee of 2,000. You must swipe the card every year for 200,000 to be exempted.

The above is the answer to which ICBC credit card limit is higher. I hope it can help you. There are many types of ICBC credit cards, and the limit is estimated based on the type and the user's qualifications. The specific information depends on the detailed data when applying for the card.

Among the many credit cards of ICBC, the Platinum Credit Card of ICBC has a relatively higher limit. At present, the ICBC credit card limit is 0-50,000 yuan for regular cards; the gold card limit is 15,000-50,000 yuan; and the platinum card limit is more than 50,000 yuan. The Platinum Card not only has a high limit, but also has many benefits.

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1. Types of ICBC credit cards

Credit cards are usually divided into different categories according to different brands, different objects, and different levels. Below we Let’s take a closer look at the types of ICBC credit cards.

1. According to the brand of ICBC credit card, it is divided into: Peony Visa Card, Peony MasterCard and Peony Express Card;

2. According to the credit rating of ICBC credit card, it is divided into: Platinum card, gold card and ordinary card;

3. According to the issuing objects of ICBC credit cards, they are divided into: business cards and personal cards, of which personal cards are divided into main cards and supplementary cards.

4. According to the currency of ICBC credit card account, it is divided into: RMB card, dual-currency card and multi-currency card.

2. ICBC Credit Card Limit

The limit of any credit card is scored by the bank based on the applicant’s application conditions, application materials, credit record, etc. The score gives the applicant a certain limit. Generally speaking, the limit for the regular card is 3,000~10,000, the limit for the gold card is 10,000~50,000, and the limit for the platinum card is more than 50,000. The specific amount of quota you can get during your application depends on your overall strength.

What are the advantages of ICBC credit cards?

Advantage 1: For all ICBC credit cards, local bank cash withdrawals are free of charge;

Advantage 2: ICBC’s There are many outlets, and the types of cards meet the needs of all types of people;

Advantage 3: The consumption password can be selected in three ways: no password is required for all transactions; a password is required for all transactions; a password is required for transactions above the limit

Advantage 4: All ICBC credit cards have natural monthly accounting, which is convenient for memory

Advantage 5: ICBC’s credit cards are rich in types and have a wide range of choices - quasi-credit cards, RMB credit cards , dual-currency credit cards (US dollars, euros, Hong Kong dollars); VISA, MASTER, AE, and UnionPay standard cards are available.

What is the ICBC Platinum Card

The Platinum Card is compared to ordinary cards, gold cards, etc., and is used to distinguish different levels of credit cards.

Generally speaking, the levels of ordinary cards, gold cards, and platinum cards are gradually improved, and the services that can be enjoyed are getting better and better.

Extended information:

1. ICBC Platinum Credit Cards basically have high annual fees, such as several thousand yuan, and the annual fee cannot be reduced or reduced by swiping the card. This There is a huge difference from ordinary cards and gold cards. Of course, with the support of the annual fee, the Platinum Card comes with many services, such as airport VIP privileges, golf privileges, etc.

2. You can apply for ICBC Platinum Card if you meet the following conditions:

Basic conditions:

1. For ICBC customers or customers of other banks, the amount of consumption for half a year of holding the card Statement processing is provided for customers with a personal deposit of more than 100,000 yuan;

2. Individual customers with personal deposits of more than 1 million yuan during the card application period or loans of more than 1 million yuan in the name of ICBC or other banks;

3. If you own a residential area of ??more than 300 square meters (worth more than 1 million), you must submit a real estate certificate application.

For senior leaders and financial directors of party and government agencies, social organizations and institutions, the conditions for applying for ICBC platinum credit cards are as follows:

1. Leaders of party and government agencies at or above the director level (inclusive) Cadres and heads of financial departments;

2. Senior leaders and heads of financial departments of various public institutions (prefectural and municipal level or above) with financial allocations;

3. Prefectures and cities School-level leaders of key middle and primary schools (including level 1 and above), school- and college-level leaders and heads of financial departments of key colleges and universities

Hospital-level leaders and heads of financial departments of key fourth- and third-level hospitals.

For senior leaders and financial department heads of large enterprises or enterprises with good economic returns, the conditions for applying for industrial platinum credit cards are as follows

1. Financial and postal institutions at or above the prefectural and municipal level (inclusive) , senior leaders and heads of financial departments in the telecommunications, electric power, and municipal utility industries.

2. Senior leaders and heads of financial departments of the Fortune 500 companies in China;

3. Credit ratings of ICBC are AA (inclusive) or above and key companies of the head office and provincial banks. Senior leaders and heads of financial departments of marketing companies;

4. Senior leaders and heads of financial departments of companies with a registered capital of 50 million yuan or more.

This concludes the introduction to ICBC Platinum Credit Card and ICBC Platinum Credit Card hotline. Have you found the information you need?