To apply for ICBC credit card, the applicant needs to have a fixed job, a stable income, a good credit status and some financial proof.
Conditions for applying for ICBC credit card:
(1) ICBC credit card applicants should have a fixed job and a stable income, which is higher than the local average. Individual and private enterprises can provide individual business licenses and tax bills for nearly three months, as well as other financial certificates: income tax withholding vouchers, copies of self-owned real estate licenses, copies of self-owned car driving licenses, bank time deposit certificates and other materials that can prove their financial level.
(2) The credit card applicant should have a fixed residence and provide proof of the fixed residence.
(3) ICBC values the nature of the applicant's work unit, followed by the income level, and owns assets for reference only.
I. Conditions for handling ICBC credit cards
Individuals with full capacity for civil conduct and good credit standing can apply to the card issuer for personal master card of China Industrial and Commercial Bank with their valid identity documents and related materials.
The main card applicant can also apply for no more than two supplementary cards for a person with full capacity for civil conduct or a person with limited capacity for civil conduct (with the permission of his legal representative) who meets the conditions for issuing cards; The cardholder of the primary card may apply for adjustment, suspension or cancellation of the use of the secondary card; The cardholder of the primary card bears all debts under the secondary card, and the cardholder of the secondary card with full capacity for civil conduct is jointly and severally liable for the debts under the primary and secondary cards.
Second, the materials to be provided
1. Identity information: copy of resident ID card or military officer's card; If you are a Hong Kong and Macao compatriot, you need to provide a copy of your mainland pass and residence certificate for more than one year; If you are a foreigner, you can provide a copy of your passport and residence permit for more than one year.
2. Work and income certificate: salary certificate or business card or photo badge.
3. Auxiliary materials that can prove that they have good economic strength: a copy of the real estate license, a copy of the car driving license, a copy of the deposit certificate, etc.
Three. Icbc credit card online process
ICBC credit card processing can be divided into two ways. You can go directly to ICBC outlets for consultation or handle it online. Here is a brief introduction to the online processing process for you.
1. Users who have opened ICBC's personal online banking need to log in to ICBC's online banking first, then select the credit card service, then select the option to apply for a credit card, find the application link and enter the application page.
2. After entering the application page, select the credit card application area, and the system will list the types of credit cards that can be handled in this area for users to choose. Users can choose the credit card that suits them, click "Apply Now" and enter the information filling page. Pay attention to fill in the information, and be sure to fill it in truthfully and accurately.
3. After completing the information, click the "Submit Form" button.
At this time, ICBC's credit card application is completed, and the rest is the bank's review. After submission, the system will automatically conduct a preliminary review of the application, and then submit it to the local branch for further review.
Operating environment: Huawei mobile phone nova6 ICBC app6. 1. 1.0.0 version.
What are the conditions for ICBC to apply for a credit card?
The conditions for applying for a credit card are as follows: the domestic person (excluding college students) who is the main card applicant must be a natural person aged 18 or above, have full capacity for civil conduct, have a work unit or permanent residence in the place where the card issuer is located, and have a stable income above the local average. ICBC will review your comprehensive assets, and the final approval will be subject to the approval of the card issuer.
You can apply for a credit card through the following channels:
1. Online channel: You can log in to mobile banking and apply for an ICBC credit card through the function of "Credit Card-Card Handling". Or complete the application through official apps such as Ronge Lian and ICBC e Life; You can also apply online through online banking.
2. Offline channel: You can go to a nearby ICBC outlet with your personal certificate, fill out a paper application form on the spot, fill it out as required, and return it directly to the outlet for application with necessary materials. The card issuing result is subject to the final approval.
(Answer time: May 5, 2022. In case of business changes, please refer to the actual situation. )
What are the conditions for ICBC to apply for a credit card?
The conditions for applying for ICBC credit card are:
1. Applicant 18 to 60 years old, with full capacity for civil conduct.
2. The applicant has a stable job with an average monthly income of not less than 3,000 yuan.
3. The applicant has not been overdue for nearly six months and has a good credit record.
4. Applicants need to pay social security on time, and the social security balance is relatively large.
5. The applicant must have certain assets certificate.