However, compared with other credit cards, ICBC's credit cards have many differences. Before applying for a credit card, be sure to understand these details clearly before applying.
1, application method
At present, almost all bank credit cards have two application methods.
Network application: scan the code to enter the online card application platform, which is simple and fast.
Online application: bring my ID card and real estate license, driving license, deposit certificate and other related materials, and submit a paper application through the financial manager.
As for which way to apply, you can choose according to the applicant's conditions. If it is the first time to apply for an ICBC credit card, and if you want to approve a high credit card, it is recommended to apply at a branch, and you can provide as many materials as possible, which is conducive to the initial credit limit. Of course, there are many places where online applications are similar to the card approval quota applied by outlets. If you can provide some information, you can go to the outlets. If you have no other information, you can apply online. If it is a secondary card, then choose online application. Anyway, the quota is shared, so it is convenient to apply online and get the card in a shorter time.
2. What are the conditions for approving the card?
If you belong to the following two categories, it is easier to apply for a BOC credit card.
1 look at social status, such as government employees, institutions and employees of state-owned enterprises. ICBC pays more attention to the social status of the applicant. Even if it is just an ordinary employee, it is not so difficult to apply for a platinum credit card with a limit of 50,000,654.38+10,000. Some employees of state-owned enterprises, on behalf of ICBC, can pay 2,000 to 3,000 yuan a month, and can also approve 50,000 cards.
The second category is those who have assets in ICBC, such as customers with large deposits, wealth management and mortgages. Credit cards are easy to approve, and the amount is still relatively high. ICBC values customers' contribution most, so it rates customers. Generally, you can apply for a gold card if your contribution reaches 5 stars, and a platinum credit card if you reach 6 stars. Of course, it is not necessarily so strict. ICBC's credit card approval authority is in branches all over the country, which is the characteristic of several major state-owned banks.
Some cardholders do not belong to the above two situations, and even have no ICBC savings card. Don't apply for ICBC credit card directly. It's best to make some preparations in advance. First, apply for an ICBC savings card and brush the star rating to raise the star rating to five or six stars. At the same time, increase the deposit in ICBC before applying for a credit card, so that the probability of approving the card is higher. As for how to brush the star rating of ICBC? You can refer to the three most commonly used methods of ICBC to improve the star rating.
I think it's better to approve ICBC credit cards. As long as there is a legitimate job, even small private enterprises with no problem in credit history can basically get the cards, but the amount is generally not high, many of them are 3000-5000, and there are 100, 200,500, 1000 food cards.
If the conditions are not particularly good, it is recommended to apply for an ordinary card or a gold card first, and never apply for a platinum card. It is not easy to approve the platinum card of ICBC. The approver may think that you are not qualified to apply for a platinum card, and would rather grant you 50,000 ordinary cards or gold cards instead of a platinum credit card with a limit of 10000. Many people know this.
3. How to answer the audit phone?
ICBC's credit card is approved by the local card department. Basically, I rarely call to verify the situation. Sometimes it is also called the applicant's mobile phone. It's easy to ask me if I applied. But it is very necessary to fill in a landline that can answer the phone. If you don't answer the landline phone or are suspected of fraud, you may be blacklisted in the system, and the application for ICBC credit card will be directly rejected for a long time.
4. Main advantages of ICBC credit card
There are many advantages of ICBC credit cards, and the following reasons should be the most important:
The installment rate is low. At present, the installment interest rate of credit cards in national banks is generally above 0.6% per month, while the installment interest rate of ICBC is around 0.3% per month, which is much lower than other banks.
5. Annual Credit Card Fee of China Industrial and Commercial Bank
Icbc jinpu credit card can be exempted from the annual fee if it is spent five times a year or the amount reaches 5000, while platinum credit card can be exempted from the annual fee if it is spent over 20000. If it is not for the rights and interests, it is not recommended to apply for a platinum credit card. The amount has not changed, so it is difficult to approve. The most important thing is that it will be a little troublesome to waive the annual fee.
Local banks are exempt from handling fees for cash withdrawals. There is no handling fee for ICBC credit cards to withdraw money from local banks. If you accidentally deposit more money in your credit card, you can withdraw it directly from ICBC ATM, unlike some bank credit cards that charge a handling fee.
Puka has a high upper limit. In most other banks, the credit limit is related to the credit card grade. For example, the maximum credit limit of Jinpu credit card is 50,000, and the credit limit of Platinum credit card can exceed 50,000. ICBC does not have this restriction. Some people have a credit card limit of 500,000, 1 10,000, which is higher than the platinum credit card limit of many banks.
Another great advantage of ICBC credit card is that it is more convincing to go to other banks with ICBC credit card, and it can also reflect the higher status of ICBC credit card.
That's all for today's sharing. Friends who don't understand can trust me privately!