1, with good comprehensive credit status and no bad credit record. (The average monthly income of the applicant is above 4,000 yuan or equivalent foreign currency);

2. Users should have capital flow. (ICBC credit card holders have spent RMB 1 000 yuan or equivalent foreign currency in recent 1 year, and spent 6 times in recent1year).

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ICBC Credit Card Gold Card: You can enjoy the services of priority channel treatment, card handling, account inquiry, application for electronic statement, adjustment of credit limit, application for credit card confidentiality limit, and card upgrading.

ICBC Credit Card Gold Card: Peony Credit Card VIP Customer Service Center can provide you with emergency cash withdrawal service. Under the condition of not exceeding the available credit limit of peony card account, you can withdraw no more than RMB 2,000 in cash.

Gold card of ICBC credit card: gold card 100 yuan (annual fee).

ICBC's credit card is the credit card with the highest circulation in China. The main types of ICBC's credit cards are: Peony International Credit Card, Peony Credit Card and Peony Credit Card; ICBC credit cards are divided into: Peony Visa Card, Peony MasterCard and Peony American Express Card by brand; According to the credit rating, it is divided into: platinum card, gold card and ordinary card; According to the issuing object, it is divided into business cards and personal cards, in which personal cards are divided into main cards and auxiliary cards.

The annual fee of ICBC is charged after the first use, that is, one year after the account is opened. As long as you pay 5,5000 yuan (3 student cards or 3,000 yuan, Platinum Card10.6 million points free of annual fee or 200,000 free of annual fee) in this year, you will be exempted from the annual fee of that year. At the same time, ICBC does not charge an annual fee for opening credit cards.

China Industrial and Commercial Bank's permanent credit card annual fee reduction policy;

Platinum card holders who spend more than 4 million yuan can give the main and auxiliary cards a permanent annual fee-free discount. Individual cardholders of gold cards and ordinary cards who have no bad credit records and have held various credit cards of ICBC for more than 10 years (including 10 years) since the implementation of these Measures may be given a permanent annual fee-free discount for the main and secondary cards in an account. In addition, ICBC does not charge an annual fee for opening credit cards.

ICBC's newly revised "China Industrial and Commercial Bank Peony Credit Card Charter" clearly states: "Cardholders can repay according to the minimum repayment amount indicated in the statement. If repayment is made according to the minimum repayment amount, the card issuer will only charge overdraft interest for the unpaid part from the bank bookkeeping date to the repayment date. "