Suppose you are a customer with less than 3 stars, then your maximum amount may be 5000 yuan. If you are a 5-star customer, it may be 20 thousand yuan for the first time. After half a year, you can apply for an increase in the quota according to your own use. However, the approval amount of ICBC's first card is relatively low. Like netizens, if you want to apply for ICBC Peony Card (university student credit card), it is also possible that the basic quota is 0~500 yuan and 0 yuan. If the credit line is 0 yuan, there are almost no credit cards.

The credit card limit is given by the bank according to the comprehensive score of the information submitted by the applicant. Reference items include age, gender, unit, income, position, housing, education, marriage, real estate, professional title, credit record and so on. A score segment corresponds to a result, from not approving cards to approving cards, from low to high.

ICBC does have many universal cards with low or zero quotas. If you want to apply for a higher credit card, it is recommended to choose firms such as China Merchants Bank, China CITIC Bank and China Guangfa Bank. The four major state-owned banks do not have much advantage in terms of quotas.