What is the maximum limit of ICBC Gold Card?
Industrial and Commercial Bank of China is what we call ICBC. ICBC is also one of the five major banks in my country, so it is highly recognizable. So do netizens know what the maximum limit of ICBC Gold Card is? Let’s take a look.
1. The maximum limit of the ICBC Peony Quasi Credit Card Gold Card is 10,000 yuan;
2. The maximum limit of the ICBC Peony Credit Card Gold Card is 50,000 yuan;
3. The maximum limit for the ICBC Peony International Credit Card gold card is 50,000 yuan, and the maximum limit for the foreign currency card is 5,000 US dollars.
Of course, when we apply for a gold card, the specific limit depends on the individual.
What is the limit of the industrial and commercial gold card?
The limit of the industrial and commercial gold card is generally between 10,000 and 50,000, but the specific card limit is not determined based on the type of card, but also based on It is determined by the applicant's information. If the applicant's information is not good enough, the limit of the Industrial and Commercial Gold Card may be less than 10,000 yuan, so if you want a higher limit, you must submit better financial proof.
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.
Card classification
The Peony quasi-credit card is issued by the Industrial and Commercial Bank of China. Cardholders are required to deposit a certain amount of reserve fund. When the reserve account balance is insufficient, payment can be made at A quasi-credit card with an overdraft within a specified credit limit. The Peony quasi-credit card can be used for settlement in RMB at UnionPay acceptance points in China, Hong Kong, China, Macau, Thailand, South Korea, Singapore and other countries, and has functions such as transfer settlement, cash deposits and withdrawals, and credit consumption. This Peony quasi-credit card is a quasi-credit card with Chinese characteristics. There is no precedent in other countries in the world. The emergence of this quasi-credit card is a reflection of China's imperfect credit system. Peony quasi-credit card has been discontinued. Peony credit cards and Peony international credit cards that truly meet the needs of the public are the direction of development.
Peony International Credit Card
Peony International Credit Card is an international-level credit card product launched by the Industrial and Commercial Bank of China. International cards are used both at home and abroad, and are settled in RMB and a designated foreign currency. The Peony International Card adopts a revolving credit transaction method. For consumption overdrafts within the credit limit, if the payment is repaid in full before the due repayment date, you can enjoy the interest-free repayment discount. This card is accepted worldwide.
Peony Credit Card
Peony Credit Card is issued by the Industrial and Commercial Bank of China and gives cardholders a certain credit limit. Cardholders can consume within the credit limit and then repay. credit card. The credit card uses a revolving credit transaction method. For consumption overdrafts within the credit limit, if you repay in full before the due repayment date, you can enjoy interest-free repayment discounts. The Peony credit card can be used at UnionPay acceptance points in China, Hong Kong, China, Macau, Thailand, South Korea, Singapore and other countries. It is settled in RMB and has functions such as transfer settlement, cash deposits and withdrawals, and credit consumption.
Peony Credit Card
Peony Credit Card is a credit card issued by the Industrial and Commercial Bank of China. It is a RMB credit card that can only be used within the People's Republic of China and the People's Republic of China. Settled in RMB, it has functions such as credit consumption, transfer settlement, cash deposits and withdrawals, etc. Peony credit cards are divided into business cards and personal cards according to different issuance objects; they are divided into gold cards and ordinary cards according to different credit levels.
What is the general credit limit of ICBC?
The general credit limit of ICBC is:
1. The limit of ICBC regular card is 1,000 yuan to 10,000 yuan;
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2. The gold card limit is 10,000 yuan to 50,000 yuan;
3. The platinum card limit is 50,000 yuan to 100,000 yuan.
ICBC’s credit cards are divided into three levels: regular card, gold card and platinum card. If it is the first time a user applies for a card, the credit limit is generally not very high.
Extended information:
1. Application conditions for ICBC credit card:
1. Domestic residents must be between 18 and 65 years old, and foreigners must be in Between 25-65 years old;
2. Have a stable job, income and fixed residence;
3. No bad credit record. Applicants for supplementary cards must be the parents, spouse or children of the primary cardholder and be between the ages of 16-65.
2. Industrial and Commercial Bank of China credit card application information:
1. Identity proof information: a copy of resident ID card or military officer ID card; if you are a compatriot from Hong Kong and Macao, you need to provide a mainland travel permit and a A copy of the residence certificate for more than one year; if you are a foreigner, a copy of your passport and residence permit for more than one year is sufficient.
2. Proof of work and income: Choose one of salary certificate, business card or badge with photo
3. Proof of good financial strength: Copy of real estate certificate A copy of the vehicle's driving license; a copy of a bank loan account (with good credit, no more than 60 days overdue) or a deposit certificate.
3. Cancellation methods of ICBC credit cards:
(1) Cancellation at ICBC business outlets:
ICBC credit card cancellation issues need to be determined according to the cardholder’s Type processing, because the cancellation methods for ICBC international cards and RMB credit cards/quasi-credit cards are different.
1. If the cardholder holds an international card of ICBC, including Visa, Master, AE and other brands, please bring your ID card and card to the first branch of ICBC (i.e. xx District Industrial and Commercial Bank of China). Bank Card Department) handles account cancellation procedures.
2. If the cardholder applies for an ICBC RMB credit card or quasi-credit card, you only need to bring your ID card and card to a nearby ICBC outlet to cancel the account.
(2) Cancellation of ICBC credit cards by phone:
ICBC provides cardholders with phone card cancellation service. Cardholders can use telephone banking to cancel ICBC credit cards conveniently and quickly.
What is the general credit limit for ICBC credit cards?
Generally, the limit is reviewed by the local card issuer based on the materials you submit and your comprehensive credit status.
(Answer time: April 21, 2022. In case of business changes, please refer to the actual situation.)
What is the general limit of an ICBC credit card?
Industrial and Commercial Bank of China The bank credit card limit is the maximum limit that can be used for overdraft consumption and cash withdrawal based on the cardholder's income and credit status. The cardholder can use it repeatedly within the validity period of the credit card. The limits of ICBC credit cards are: Generally, the limit of ordinary cards is within 20,000 yuan, the limit of gold cards is between 10,000 yuan and 50,000 yuan, and the limit of platinum cards is more than 50,000 yuan, with no upper limit.
ICBC determines the maximum limit that can be used for overdraft consumption and cash withdrawal based on the cardholder's income and credit status, and the cardholder can use it repeatedly within the validity period of the card.
When the same customer has multiple credit cards at ICBC, each card usually has an independent credit limit, and the consumption or deposit of one card will not affect the available credit limit of other cards. The limit between multiple international cards can usually be adjusted through 95588 manual service. The limit cannot usually be adjusted between RMB cards and international cards.
The limits of multiple ICBC international cards of a cardholder are independent of each other. The RMB limit and foreign currency limit of an ICBC international card are also independent of each other. When the RMB limit is used up, the foreign currency limit It is still there; similarly, if the foreign currency quota is used up, the RMB quota is still there. In some cases, foreign currency accounts will be used for billing and foreign currency quotas will be used when swiping cards in mainland China.
ICBC credit card holders can call the ICBC customer service hotline to check their credit card limit, and learn about credit card account arrears, current available limit and other information anytime and anywhere.
ICBC’s credit cards are the same as those of other banks, with three levels: regular card, gold card and platinum card. And the amounts are divided according to levels. Mainly divided into: regular card, gold card and platinum card. The detailed classification is as follows: the limit of ICBC regular card is: below 20,000 yuan; the limit of ICBC gold card is: between 10,000 and 50,000 yuan; the limit of ICBC platinum card is: above 50,000 yuan, with no upper limit.
Cardless customers (those without credit cards):
Four-star regular card 10,000, five-star gold card 50,000, six-star gold/platinum card 100,000, seven-star gold/ Platinum card 300,000;
Card holders (those with credit cards):
Four-star regular card 50,000, five-star gold card 100,000, six-star platinum card 500,000, seven-star platinum Card 1 million.
ICBC credit card limit is generally less than 50,000 yuan.
That’s it for the introduction of the industrial and commercial credit card gold card limit.