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 cards, they are divided into: Peony Visa Card, Peony MasterCard and Peony Express Card;

2. According to the credit rating of ICBC credit cards, they are divided into: Platinum Cards, gold cards and ordinary cards;

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.

Is the ICBC credit card good?

ICBC credit card is the credit card with the highest circulation in China. The Industrial and Commercial Bank of China (ICBC) is a large state-owned bank managed by the central government and a deputy ministerial-level unit. The basic tasks of ICBC are to raise social funds through domestic and overseas financing activities, strengthen credit fund management, support enterprise production and technological transformation, and serve my country's economic construction in accordance with national laws and regulations. In February 2017, BrandFinance released the list of the top 500 global brands in 2017, and ICBC ranked tenth. On June 20, 2018, an analysis report on China's 500 Most Valuable Brands was released, with ICBC ranking fourth.

In July 2018, "The Banker" magazine released the list of the top 1000 global banks in 2018, with ICBC ranking first. In 2018, Fortune ranked 26th among the world's top 500 companies. On December 18, 2018, the "2018 Top 500 World Brands" compiled by the World Brand Laboratory was announced, and ICBC ranked 43rd. On June 26, 2019, eight banks including the Industrial and Commercial Bank of China took the lead in launching the enterprise information network verification system.

1. The main types of ICBC credit cards include: Peony International Credit Card, Peony Credit Card, and Peony Credit Card; according to the ICBC credit card brand, they are divided into: Peony Visa Card, Peony MasterCard, and Peony Express Card; according to the credit rating, they are divided into : Platinum card, gold card, ordinary card; divided into business cards and personal cards according to the issuing objects, of which personal cards are divided into main cards and supplementary cards.

The Constellation Credit Card (hereinafter referred to as the "Constellation Card") is divided into two levels: simple platinum and gold. The design of the card face is also the same, distinguished by the background color of the card face. The black is a simple platinum and the red is gold. Among them, the Simple Platinum Card enjoys VISA Platinum Card privileges, UnionPay Platinum Card privileges, and all the bank’s Platinum Card benefits except airport VIP lounges, high-speed rail VIP lounges, aviation accident insurance, travel inconvenience insurance and other travel insurance.

Star Card "11" business card: UnionPay single currency card (magnetic stripe PBOC non-networked chip card) is used domestically, and VISA single currency card (magnetic stripe EMV non-networked chip card) is used overseas. 2 card account docking, supporting payment methods of "swiping card, inserting card, waving, and scanning QR code". Domestic and foreign payments are smooth. (Note: The Constellation Card does not support transactions in the form of sub-cards, nor does it support transactions in the form of sub-cards of other credit cards under the Constellation Card.)

2. Credit cards, also known as credit cards, are transactions issued by commercial banks or credit card companies to A credit note issued by a credit-qualified consumer. It is in the form of a card, with the name of the issuing bank, validity period, number, cardholder name and other contents on the front, and the magnetic stripe and signature strip on the back. Consumers holding credit cards can go to specialized commercial service departments to shop or consume, and then the bank settles with the merchants and cardholders, and the cardholders can overdraw within the specified amount.

Credit cards stipulated in relevant Chinese laws (Interpretation of the Standing Committee of the National People's Congress on the Provisions on Credit Cards in the Criminal Law of the People's Republic of China and the People's Republic of China) refer to electronic credit cards issued by commercial banks or banks. Payment card. Other electronic payment cards with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc.

Is ICBC credit card good?

Okay.

ICBC credit card has the following advantages: ICBC credit card is the most popular credit card in my country. It can enjoy an interest-free period of up to 56 days, and local withdrawals are free of cash and handling fees. In addition, ICBC has many business outlets, and you can make cash withdrawals at any bank in China. It also supports VISA, MasterCard and American Express Bank organizations, and also supports card swiping services at any store POS machine.

1. ICBC credit card withdrawals are equivalent to debit cards and savings cards, and no additional handling fees will be charged for cash withdrawals

2. ICBC credit cards have issuers across the country, and It is easy to apply and the card is issued quickly. You can apply online and you can open the card immediately after re-signing when you get the card. Normally it takes no more than 2 weeks from sending the email to getting the card.

3. All domestic transactions will be accounted for in real time, and points can be checked in real time, which is highly efficient.

4. If there is no overdraft in the account, cash withdrawals are interest-free. And you can withdraw it the same day you transfer it in, which is convenient and fast.

ICBC credit cards are the credit cards with the highest circulation in China. The main types of ICBC credit cards include: Peony International Credit Card, Peony Credit Card, and Peony Credit Card; according to the brand of ICBC credit cards, they are divided into: Peony Visa Card, Peony MasterCard and Peony Express Card; according to credit level, they are divided into: Platinum Card, Gold Card and Ordinary Card; according to the issuing objects, they are divided into business cards and personal cards, of which personal cards are divided into primary cards and supplementary cards.

The application conditions for ICBC credit cards are:

1. To apply for an ICBC credit card, you must be over 18 years old.

2. To apply for an ICBC credit card, you need to have a stable job and a legal source of income.

3. If the applicant has a high position, high education, high income, and a good company, the approval rate of applying for an ICBC credit card can be greatly improved.

4. Applying for an ICBC credit card also requires a certain financial foundation.

5. If you want to apply for a credit card with a higher ICBC credit card rating, the applicant needs to provide the bank with certain financial proof, such as stocks and securities, a real estate certificate with the applicant’s name on it, a car driving license, a bank card, etc. Certificate of deposit, etc.

6. To apply for an ICBC credit card, you must be a natural person with full capacity for civil conduct.

7. There is another necessary condition, the applicant needs to have a good personal credit report, because ICBC relatively values ??the cardholder’s personal credit report.

How about ICBC credit card?

Benefits of ICBC:

1 Local cash withdrawal fees are unconditionally waived (the only one)

2 Cash withdrawals, cash installments, and credit loan fees/interests are the lowest (At least one), and it will not affect the amount increase. In some areas, handling fees can be collected in installments. After early repayment, subsequent handling fees will not be charged and there will be no penalty interest. Cash installments can be canceled on the same day.

2 Penalty interest for incomplete minimum repayment (the only one)

3 Low starting point for bill installments (total RMB bill exceeds 600 yuan), low handling fees

4Long interest-free period (up to 56 days)

5Free text message reminder (Elite Club customers, 5 stars can be issued at 0 in some areas)

6There are basically no sales calls. There are very few risk control calls, large credit card swiping is done in one go, and the risk control is almost the loosest.

7 Starting from the second card, cards of the same level can choose independent accounts, or you can choose to link multiple cards to share the account. The latter is similar to the CMB system, with unlimited account sharing, but CMB Annual fee reductions and exemptions for each card in the system must be counted separately. For example, each of the 10 UnionPay gold cards needs to be swiped 6 times to be exempted from the annual fee. However, ICBC only needs to swipe 10 total cards 5 times to waive the annual fee. For Platinum cards, the annual fee is waived. The same applies to the card (the only one, other banks are either independent or shared, and the second card does not have a 100-second approval or credit check channel)

8 All card types that have been opened 100 seconds for approval, 100 without credit check, 100 without credit report. (The only one)

9 Platinum cards with no annual fee are launched from time to time (Diners Club Platinum Card is free of annual fees within the validity period by swiping a single payment during the promotion period, and the Platinum Card is unconditionally free of annual fees when placing an order. It is launched in many areas. Apply for free annual fee through Universal. In some areas, the annual fee of Platinum Card can be waived by purchasing financial management. All Platinum Cards can enjoy unlimited airport and high-speed rail VIP services)

10 Starting from the card opening, every You can apply for a manual limit increase at least once a month. The system recommends a limit in seconds. The limit increase for low-deposit cards is often 5 to 10 times. The limit increase for cards with tens of thousands of limits is often 10,000 to several thousand.

11 Some types of cards, including gold cards and regular cards, are free of annual fees for life during the promotion period (about one year).

12. Instant repayment for consumption is convenient. At this point, you can go back to manual foreign exchange purchase and repayment.

There are three more, which are advantages for some people and disadvantages for others. It depends on each. People need it.

1 All consumption currency conversion fees for standard and global multi-currency cards are waived. The 10 currencies are recorded in local currencies and can be repaid directly in local currencies (if it is a US dollar dual-currency card, I obviously have pounds, When swiping pounds, I have to convert it into U.S. dollars, and then I have to buy U.S. dollars to repay, which means two exchange rate losses. With a multi-currency card, I can repay directly in pounds without any exchange rate loss), and the repayment of foreign exchange purchases is not affected. Affected by real-time exchange rate fluctuations, you can choose to purchase foreign exchange and repay at the best time of exchange rate (the only one)

2. The order of repayment is that the ones with interest are paid first, and then the ones are interest-free, that is to say, repay in cash first, and then withdraw money. Pay the bill later.

3 The limit increase mainly depends on the stability of work income and assets (and liabilities). Cards that do not exceed 10W at least do not care about the protection fee. Except for a few areas, the long-term daily average limit is 20W to 10W. It is basically not difficult to increase the average daily balance from 100,000 to 50,000, even if you only spend a few hundred dollars every month, most of them are 0.38 and online payment.

How about ICBC credit card?

ICBC is a state-owned enterprise. ICBC is a state-owned bank, which refers to a large bank directly managed by the Ministry of Finance. It is also one of the four major banks in the country and has a relatively strong customer base. Its main mode of operation is to unify the operation and management system of commercial banks authorized by legal persons. Its main goal is to achieve stable development and improve economic efficiency.

ICBC can provide 24-hour online telephone service. If you have any problems at any time, you can call the online customer service number to solve them. It also provides electronic and paper reconciliation services, which can bring great convenience to customers.

The benefits of ICBC credit card are:

1. Interest-free days. The maximum interest-free days of ICBC reaches 56 days, so you can provide more days for your repayment.

2. SMS reminder. When applying for a credit card at ICBC, if the customer service on your card is due, the system will send you a free text message to remind you to pay it back in time. This prevents you from being busy with work and forgetting to repay the loan, resulting in more overdue fees on your bill.

3. Automatic repayment is possible. ICBC has its own software, where you can set which card will be used for automatic repayment when your credit card expires. This way, you no longer need to go to the bank to deposit money and repay it, and you can directly bind it to the savings card.

4. Enjoy points. When credit card purchases are made, points will be saved for customer service, and the points can be used to buy things. So when you have enough points, you can use the points to collect items on the online software platform.

5. Provide 24-hour service hotline. There is a 24-hour service hotline for all questions about ICBC. When you have questions about ICBC, you can make a manual service call.

Is the ICBC credit card easy to use?

ICBC credit card is very easy to use. If it is a regular card (regular card/gold card), you only need to make purchases 5 times a year and the annual fee will be waived.

But if you are using a card for the first time, you must first understand the credit card repayment matters. Otherwise, late payment fees may easily occur, which will not only make you spend more money but also affect your credit. (Shizuka said Card A)

As long as you take some time to understand it clearly, credit cards are definitely a good thing.

This is the end of the introduction about industrial and commercial credit cards and how to increase the limit quickly with industrial and commercial credit cards. I wonder if you found the information you need?