How long does it take for ICBC to review a credit card?

It takes about fifteen working days for ICBC to review the application from the time it is issued until the card is issued.

If the user's application is approved, ICBC will print the card and mail it to the applicant. The mailing method is usually registered postal mail, which may take 1-2 weeks to arrive.

The earliest credit card appeared at the end of the 19th century. In the 1880s, the British clothing industry developed so-called credit cards, and the tourism and business sectors followed suit. However, the cards at that time could only be used for short-term commercial credit, and the money still had to be paid as and when used. Long-term arrears were not allowed, and there was no credit line.

A credit card is generally a special carrier plastic card with a length of 85.60 mm, a width of 53.98 mm, and a thickness of 1 mm. The name of the card issuer, validity period, number, cardholder name, etc. are printed on the front, and there is a chip on the back. Magnetic strip, signature strip. Cardholders can use their credit cards to shop and spend money with special entities and deposit and withdraw cash from banks.

It is said that one day in the 1950s, American businessman Frank McNamara was entertaining guests for a meal in a New York hotel. After the meal, he found that he had forgotten his wallet and had to call his wife to bring cash. McNamara came up with the idea of ??starting a credit card company because he felt embarrassed about paying the bill at a restaurant. In the spring of 1950, McNamara and his friend Schneider invested US$10,000 to establish the "Diners Club" in New York, the predecessor of Diners Club. Diners Club provides members with a card that can prove their identity and payment ability. Members can use the card to record their purchases at 27 designated restaurants without having to pay cash. This is the earliest credit card. This kind of credit card that does not require bank processing is a commercial credit card.

In 1952, Franklin National Bank in California, USA, was the first financial institution to issue a bank credit card, becoming the first bank to issue a credit card.

In 1959, Bank of America issued the Bank of America card in California. Since then, many banks have joined the ranks of card-issuing banks. By the 1960s, bank credit cards were quickly welcomed by all walks of life and developed rapidly. Credit cards became popular not only in the United States, but also in the United Kingdom, Japan, Canada and European countries. Since the 1970s, Hong Kong, Taiwan, Singapore, Malaysia and other regions have also begun to handle credit card services.

How long does it take for ICBC credit card approval?

The normal review period for ICBC credit cards is 10 working days. That is to say, it takes about 10 working days from the receipt of the applicant's information to the completion of the review of the information.

If you receive a phone call during this period, it means that your review results will be available soon. Under normal circumstances, the corresponding review results will be given within 3 working days after you receive the call. It should be noted that calling for a credit check does not mean that you have passed the review. Usually, the purpose of calling for credit investigation is to find out some information that is not clear enough.

After approval, a credit card will be issued for you within 2 working days. You can go to the right side of the official website homepage after 10 o'clock every day and click "Application Progress Query" to check the corresponding review results, or you can call the credit card center and check the results through voice self-service. Just query it once a day. Regardless of whether the approval is passed or failed, the results will be displayed the next day after being updated on that day.

After the credit card is created, the credit card will be sent to you by registered mail according to the billing address. Since postal services vary from place to place, this process will take about one to two weeks, so please be patient. Of course, when filling in relevant information, you must ensure that the address is correct, otherwise it will affect your card collection.

Enterprise business:

Corporate deposit and loan business:

At the end of 2019, ICBC’s corporate loans were 9.955821 billion yuan, an increase of 536.927 billion yuan. An increase of 5.7%; corporate deposits were 12.028262 billion yuan, an increase of 547.121 billion yuan, an increase of 4.8%.

Inclusive financial business:

At the end of 2019, the balance of inclusive small and micro enterprise loans of ICBC was 471.521 billion yuan, an increase of 161.407 billion yuan or 52.0 from the beginning of the year. The number of customers was 423,000, an increase of 153,000. The average cumulative loan interest rate that year was 4.52, a decrease of 0.43 percentage points from the previous year. Relying on financial technology to accelerate product iteration and update, we will build an inclusive financial comprehensive service system around the ICBC small and micro financial service platform and three major products: business quick loans, online loans, and online supply chain financing. At the end of 2019, the bank had 288 small and micro financial business centers.

Institutional financial business:

In 2019, ICBC comprehensively promoted the electronic reform process of fiscal revenue and expenditure accounts at all levels, innovatively promoted the "smart government" service system, and promoted "one government affairs". The multi-engine business cooperation structure of "12 key extension areas of the service portal and 22 value-added services" was implemented. Comprehensively promote inter-industry cooperation, sign new comprehensive strategic cooperation agreements with key customers at the head office level such as the China Development Bank and the Shanghai and Shenzhen stock exchanges, and sign a memorandum of cooperation with leading securities companies on the Science and Technology Innovation Board to promote the real economy and capital market develop. We launched a pilot bill brokerage business and successfully handled the first bill brokerage business in the market under the discount pass mechanism.

How long does it take to apply for an ICBC credit card?

If you are applying for a physical credit card: Under normal circumstances, within 15 calendar days after ICBC receives all application materials (extension in case of legal holidays) ) complete the review and issue a card, which customers in areas where mailing services are not available can collect by themselves. If there are many customers submitting applications during the same period, the corresponding processing time will be slightly longer than normal. Please wait patiently.

(Answer time: April 22, 2022. In case of business changes, please refer to the actual situation.)

How long does it take for ICBC credit card review?

Our bank usually completes the review and card production within 15 calendar days.

The situation of receiving the card is as follows:

1. If you choose to receive the card by mail, the new card will usually be sent in 7-15 working days;

2 .If mailing or self-pickup is not supported, please bring the original identity document to the agreed outlet after receiving the card collection notice.

Xiao Zhi reminds you:

1. The method of collecting the card shall be the one you choose when applying for the card. The method of collecting the card cannot be modified;

2. If you have not received a card collection notification for a long time or have not received a card, please contact 95588 credit card manual service for verification.

Visit and download ICBC e-Life on your mobile phone, select "Finance-Card Application Progress" to view the credit card application progress and mailing progress.

(The above content will be answered by ICBC’s intelligent customer service “Gong Xiaozhi” on January 22, 2020. In case of business changes, please refer to the actual situation)

ICBC That’s it for the introduction of how long it takes to review a credit card.