The credit rating of ICBC is black gold card, white card, gold card and ordinary card from high to low. The annual fee standard is different between different grades, and the corresponding rights and interests are also different. You can check the detailed introduction of various credit cards through ICBC official website.
There are three kinds of credit cards, namely gold card and platinum card. Gu Yi, under normal circumstances, the amount of the card is definitely the lowest, and the amount of the platinum card is definitely the highest.
Generally, when we first set up an ICBC credit card, the credit limit was not too high. If you want to apply for ICBC Peony Card, the basic amount is 0~500 yuan. So it depends on whether the proof materials you submit are convincing.
Generally, the credit card limit of ICBC is 1000 yuan for the first time,-yuan for gold card and-yuan for platinum card. Of course, if you have strong financial strength, that is another matter.
Therefore, just looking at the credit limit, compared with most other banks, in most cases, the credit limit of ICBC credit cards is relatively low. Of course, it also depends on your qualifications. If you are a super big customer of ICBC, you can apply for a credit card at will, and your credit limit will be very high, and it will be quickly increased later.
Two ways to apply for the validity of large letters:
One of the most effective methods: submit a certificate.
For large cards, the choice of bank credit card is irrelevant. What matters is whether your real estate license meets the regulations of this bank.
Generally speaking, real estate license includes: real estate, automobile production, wealth management products, etc. Personal name.
Take Minsheng Bank as an example, its large credit cards are divided into diamond cards (with a quota of 200,000), luxury platinum cards (80,000) and standard platinum cards (40,000).
If personal property is provided, the required conditions are: standard platinum card requires the property value to be more than 800,000 yuan, luxury platinum card requires 6,543.8+0.6 million yuan, and diamond card requires more than 3.2 million yuan.
However, the bank does not accept the vehicle ownership certificate.
Guangfa Bank, China Merchants Bank, etc. Accept the relevant certificates of automobile production.
The second most effective method: using cards to handle cards.
It is an effective way to handle large credit cards with cards. Take Minsheng Bank as an example, there is no need to provide any additional proof of assets: the applicant is required to use the credit card for more than half a year, and the credit limit of the card is at least 40,000. The processing conditions are: the original card limit is more than 40,000, and the standard platinum card, luxury platinum card is more than 80,000, and the diamond card 15000 is more than that.
To apply for a large credit card, according to the standards of the bank scoring system, share some conditions, have a good credit record, have a superior career, have a stable income and a high deposit.
If the recommendation card can't be made, you can only spend money to find someone.