What is the general credit card limit of ICBC?

The credit card limit of ICBC is generally 3,000~50,000 and above. ICBC credit cards are the same as those of other banks, including regular cards, gold cards, and platinum cards. Three levels. Generally, banks have clear limit levels. Take China Merchants Bank as an example, the limit for regular cards is generally 3,000~10,000, the limit for gold cards is 10,000~50,000, and the limit for platinum cards is more than 50,000. However, China Merchants Bank does not have clear quota levels among these three levels of cards.

Credit card limit, also known as credit card available limit, refers to the maximum amount that can be used by your credit card. It includes credit limit (that is, the maximum overdraft limit of a credit card) and the amount deposited into the credit card. .

The limit of any credit card depends on the effective income and asset security value provided by the individual during the application process. The credit limit of a credit card is positively correlated with the applicant's income and secured assets, that is, the higher the income and secured assets, the higher the credit limit obtained. Therefore, applicants must provide proof of income, provident fund social security, and asset guarantee statements. Asset guarantees include fixed assets such as real estate and cars, as well as current assets such as savings and bonds.

1. Continue and frequent credit card consumption.

Persistence means that after you have a credit card, you must insist on long-term credit card consumption. It is best to have a credit card consumption limit every month for more than three consecutive months. Do not use it for a period of time and then freeze it for a long time.

Frequency means to swipe your card wherever you can, no matter how big or small the amount is. The more times and merchants you use, the better. If you swipe your card all at once, it will be easy for the bank to think you are suspicious. , it is difficult to raise the quota.

2. Pay attention to the credit card amount and temporary withdrawal amount.

Pay attention to the credit card amount and make full use of the temporary limit increase.

3. Persist in applying and seize the opportunity to apply.

Persist in applying and seize the opportunity to apply, a two-pronged approach. For credit card users, you can insist on using the phone to apply for increasing the credit card limit, because different customer service or staff have slightly different attitudes and principles when processing applications in this area. Maybe they failed the previous one but passed the next time, and Keeping a record of your phone application will also help you apply for a quota increase in the future.

4. Use the threat of card cancellation or sleep suspension.

Use the threat of card cancellation or sleep suspension. After you have made multiple applications and been rejected, you can consider using this trick. Just tell the bank's customer service or staff directly. If the credit card limit cannot meet the actual needs, they will consider canceling the card. It is best to show some In fact, of course, the attitude should not be too bad. It is best to be soft but hard, so that you can easily gain room for negotiation and maneuvering.

What is the minimum limit of an ICBC credit card?

The current minimum limit of an ICBC credit card starts from 3,000 yuan. Regular cards generally have a limit of 8,000 to 10,000, and gold cards have a limit of more than 10,000. When applying, you can propose the amount you hope to obtain based on actual needs.

The bank will review and process it based on your credit status and card usage. Please be reminded that the final review results may be different from your initial application.

Credit card limit, also known as credit card available limit, refers to the maximum amount that can be used by your credit card. It includes credit limit (that is, the maximum overdraft limit of a credit card) and the amount deposited into the credit card. .

The limit of any credit card depends on the effective income and asset security value provided by the individual during the application process. The credit limit of a credit card is positively correlated with the applicant's income and secured assets, that is, the higher the income and secured assets, the higher the credit limit obtained.

Therefore, applicants must provide proof of income, provident fund social security, and asset guarantee statements. Asset guarantees include fixed assets such as real estate and cars, as well as current assets such as savings and bonds.

Continuous and frequent card consumption: Continuous and frequent card consumption. Continuity means that after you have a credit card, you must insist on long-term card consumption. It is best to have a credit card consumption limit every month for more than three consecutive months. , don’t use it for a while and then freeze it for a long time.

Frequency means to swipe your card wherever you can, no matter how big or small the amount is. The more times and merchants you use, the better. If you swipe your card all at once, it will be easy for the bank to think you are suspicious. , it is difficult to raise the quota.

Although banks emphasize the interest-free period when popularizing credit cards, most people do not understand the rules of the interest-free period very clearly, and thus spend a lot of money. It is recommended that everyone repay the loan in full to avoid greater losses.

Every credit card has a hidden over-limit limit. When you max out your credit card, it is easy to use the over-limit limit. Once you use the over-limit limit, it means you have to pay a high amount. over-limit fee. Many consumers are not able to grasp the purchase process well and often max out their credit cards. It is recommended that you apply to the bank in advance to increase the temporary limit. This will not only avoid maxing out your credit card, but also increase your credit limit.

In daily life, we often encounter situations where things don’t work. At this time, we can choose to pay the minimum repayment limit, so as to ensure that our personal credit record will not be affected, and at the same time, we will not incur too many late fees. However, special attention should be paid to the fact that the minimum repayment amount must be paid in full, otherwise you will encounter high late payment fees.

What is the general limit of industrial and commercial credit cards?

ICBC credit cards are divided into three levels. According to different levels of cards, the limits are also different:

General card credit cards The limit is less than 10,000 yuan;

The credit card limit of gold card is between 10,000 yuan and 50,000 yuan;

The credit card limit of platinum card is generally more than 50,000 yuan.

Credit cards refer to various media that record cardholder account information, have bank credit lines and overdraft functions, and provide cardholders with related banking services.

The following conditions need to be met to increase the ICBC credit card limit:

The ICBC credit card limit increase requires the user to activate it for more than half a year (180 days or issue 6 bills), and the ICBC credit card holder must You can apply to the credit card center for a limit increase;

The first limit increase requires the card to be used for more than half a year, used normally (generally the average monthly consumption is required to be more than 30% of the limit), and with no bad records in the past 6 months. The Peony Credit Card has a fixed limit and does not provide limit adjustment services;

In addition, the repayment credit status with no bad records within six months is only the basic condition for increasing the ICBC credit card limit. Whether the limit increase can be successful and how much it can be increased The limit also depends on the cardholder’s average monthly consumption amount and consumption type.

Main features of credit card:

1. Credit card is one of the fastest growing financial services today. It is an electronic currency that can replace traditional cash circulation within a certain range. ;

2. Credit cards have both payment and credit functions. Cardholders can use it to purchase goods or enjoy services, and can also obtain certain loans from card issuers by using credit cards;

3. Credit cards are high-tech products that integrate financial services and computer technology.

4. Credit cards can reduce the use of cash;

5. Credit cards can provide settlement services, facilitate shopping and consumption, and enhance a sense of security;

6. Credit cards It can simplify the collection procedures and save social labor;

7. Credit cards can promote product sales and meet social needs.

In most cases, citizens who have full capacity for civil conduct (citizens over 18 years old in mainland China) and have certain direct financial resources can apply for a credit card from the card issuing bank. Sometimes, legal persons can also serve as applicants

Those who apply for credit cards can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country.

Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed.

Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.

What is the limit of the ICBC Credit Card Gold Card and Platinum Card?

When choosing which bank to apply for a credit card, the limit has always been one of the things we pay more attention to. Now for the Jintou Credit Card, I will take you to find out what is the limit for the ICBC Credit Card, Gold Card, Platinum Card?

1. What is the general card limit of ICBC credit card:

ICBC credit card has three levels, namely regular card, gold card and platinum card. The initial application limit for ICBC's ordinary credit card is generally 1,000-10,000 yuan.

Peony quasi-credit card: Fixed limit of 5,000

Peony RMB credit card: 0-50,000

Peony International Credit Card: 0-50,000

2. What is the limit of ICBC Gold Credit Card:

The limit of ICBC Gold Credit Card is generally between 10,000 yuan and 50,000 yuan.

Peony quasi-credit card gold card: fixed limit of 10,000

3. What is the limit of ICBC Credit Card Platinum Card:

The limit of ICBC Credit Card Platinum Card is generally 50,000-100,000 yuan.

ICBC MasterCard Platinum Card: Minimum limit is 50,000

ICBC Air China Zhiyin Peony Credit Card Platinum Card (MasterCard): Minimum limit is 50,000

ICBC Air China Miles Peony Credit Card Platinum Card (Visa): Minimum limit of 50,000

ICBC Visa Platinum Card: Minimum limit of 50,000

ICBC Multi-Currency Credit Card Platinum Card: Minimum Limit 50,000

ICBC Peony Platinum Credit Card MasterCard: 10,000-100,000

IV. Differences between ICBC credit card regular card, gold card and platinum card:

1. The main difference is the credit limit and the different discounts enjoyed. The credit limit of the regular card is around 5,000, while the credit limit of the gold card is 1-5W, and you can enjoy priority services at outlets and online VIP treatment.

2. The Platinum Card is ICBC’s most advanced credit card. It offers free handling fees for card replacement, loss report, transfer and remittance, and non-local deposits and withdrawals, free aviation accident insurance up to 400W, VIP treatment at the airport, etc.

3. The annual fee for all supplementary cards is half of the annual fee for the main card. For gold cards, swipe the card 5 times to waive the annual fee for the next year. For platinum cards, 160,000 points are exchanged for annual fees or 200,000 points are waived.

4. Platinum card holders who have accumulated consumption of 4 million yuan can be given a permanent annual fee exemption for their primary and secondary cards. ICBC credit cards do not charge annual fees if they do not open the card.

The above is the content of Jintou Credit Card that I introduced to you about "What is the limit of ICBC Credit Card Regular Card Gold Card Platinum Card?" I hope this article I compiled will be useful to you. If you want to know more about credit cards, it is recommended to pay attention to Jintou Credit Card!

Disclaimer: The operational suggestions in the article only represent the views of a third party and have nothing to do with this platform. Investment is risky, so be cautious when entering the market. Trade accordingly at your own risk.

What is the credit card limit of ICBC?

ICBC is known as "the largest bank in the world". The credit cards issued by ICBC have high value and are favored by many cardholders. The credit card limit is based on The different standards for card levels are as follows:

1. Regular card: the limit is between 0-10,000 yuan;

2. Gold card: the limit is between 10,000-50,000 yuan , some are less than 10,000 yuan;

3. Platinum card: the limit is more than 50,000 yuan, and some are less than 50,000 yuan;

4. Black gold card: the limit is 200 Between 10,000 and 10 million yuan.

ICBC will give the applicant a comprehensive score based on the applicant's credit conditions to determine the final credit limit. If you want to obtain a high credit limit, the credit conditions must be excellent enough, especially at the industrial star level.