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What card should I apply for with ICBC credit card?

Which is the best way to apply for an ICBC credit card?

The application conditions for an ICBC credit card are relatively strict, especially if the assets do not meet the standards, the card will be rejected easily. In fact, ICBC also has some easier-to-handle cards with looser conditions. Here are three types of cards for you to review.

1. ICBC Endeavor Lang Ping Credit Card: The credit card endorsed by Lang Ping has three levels: regular card, gold card, and simple platinum card. They are all free of annual fees within the validity period and can provide 3 days of repayment. Grace period, free foreign exchange fees, mobile phone insurance up to 1,990 yuan and other benefits. As the main card promoted by ICBC, this credit card has a good credit card acceptance rate.

2. Cosmic Constellation Credit Card: A card type with the theme of the twelve zodiac signs. It is an exclusive black card for young people with good looks. It has two levels: gold card and simple white, both of which are free within the validity period. With an annual fee, you can enjoy service benefits such as a 3-day grace period, 0 foreign exchange fees, 10 times points for purchases on your birthday, free account security insurance, and account security locks. As the main card recommended by ICBC, it is easier to pass the card.

3. ICBC UnionPay Zodiac Credit Card: With the theme of the 12 zodiac animals, the card face is designed with large seal oracle bone inscriptions, highlighting the charm of traditional culture. It has two levels: gold card and platinum card, both of which can provide conditional tax exemptions. fee. It can provide 3-day repayment grace period, travel inconvenience insurance, account security insurance and other service rights, as well as the opportunity to waive the first cloud quick payment of each month, 12306 ticket purchase up to 20 yuan and other discounts.

These three credit cards are all relatively easy to use with ICBC, but each credit card has several levels. It is best to choose a card based on the ICBC star level. For example, Samsung can choose regular cards, and Five-star cards can be used. Choose the gold card, and choose the platinum card for six stars.

Extended information:

How to apply for a credit card:

1. Go to a bank branch to apply, and bank staff will help you complete the application;

2. To apply for a credit card on the bank's official website, just search your favorite bank on your computer, such as "ICBC". After entering, you can see the credit card column, and then follow the prompts to apply for a credit card;

Note that to apply for a credit card, you must be over 18 years old, have a stable source of payment, and have good credit. These are the conditions that must be met to apply for a credit card. If you do not meet the requirements, the bank will refuse you to apply for a credit card.

Different credit cards have different specific conditions, most of which require the following conditions:

1. There are certain age requirements for applying for a credit card: you must have full civil capacity, that is, 18 years old and above;

2. Have legal and stable income and good credit;

3. Provide corresponding identity documents: copy of ID card or military officer's ID card;

4. Employment certification documents. Some banks also require proof of income and financial resources. Proof of financial resources can include a copy of the real estate certificate, a copy of the motor vehicle driving license, a bankbook, etc. Anyway, the proof of financial resources depends on the individual's repayment ability, which makes it easier to apply for;

5. Documents proving the place of residence, It can be a copy of the household registration book, or certification materials issued by the street, or other certification materials. This is relatively easy to do;

6. There is also an application form to apply for a credit card.

The repayment methods are as follows:

1. Within the card issuing bank

The repayment methods include: card issuing bank counter, ATM, online banking, automatic transfer, telephone Bank repayment, etc. After repayment, the credit card limit will be restored immediately, and the payment will generally be credited to the account after the system processes it on the same day.

2. Weiyintong pos mobile phone

Weiyintong pos mobile phone is a mobile financial system personal payment terminal, which can be used to directly repay by swiping the card, and can also perform transfers and other services . Instant payment.

3. Transfer/remittance repayment

It is mainly divided into two methods: inter-bank in the same city and inter-bank in different places. Regardless of the method of transfer or remittance, the remittance bank charges a certain fee. At the same time, the time it takes for the money to arrive and the convenience of repayment are not as good as intra-peer repayment, online repayment, convenience store repayment and other methods.

4. Online repayment

The more common online platforms in China include: UnionPay Online, Kuaiqian, Shengfutong, Alipay, Tenpay, etc. Depending on the platform and bank you choose, the charging standards and specific payment arrival time will be different.

What are the easiest credit cards to apply for with ICBC? These five applications are so simple!

Although every bank has credit cards, ICBC, as the largest bank in the world, issues the most and most comprehensive credit cards. This is also related to ICBC's strong strength. Many people want to have an ICBC credit card, but in most people's minds, credit cards from major state-owned banks are not that easy to apply for. In fact, ICBC also has credit cards that are easy to apply for. Let's take a look at which ones they are!

1. World Struggle Card

World Struggle Card is a main promotion card of ICBC. The card withdrawal rate has always been good, and it is also endorsed by Lang Ping. The card looks very good. The card surface colors of each level are different. The corresponding card surface colors are blue for regular cards, red for gold cards, and black for platinum cards.

2. Constellation Card

ICBC’s Constellation Card can be said to be the pinnacle of appearance. It is a card type designed with the pattern of the twelve constellations, and it is also a card that is highlighted. Needless to say, one of them is the card removal rate. There are also three levels, campus version regular card, gold card and simple gold card.

3. Little White Card

ICBC also has its own Little White Card, which is a co-branded card with JD.com. It can be applied through the JD.com platform or through ICBC channels. . Generally speaking, as long as you are a regular customer of JD.com, your application will be easily approved.

4. Car Plus Card

ICBC’s Car Plus Card is more suitable for car owners. You can enjoy discounts such as gas rebates and meet ICBC’s basic credit card application conditions, and then you can If you have a car in your name, you can basically apply for approval, and the card application rate is also very high. There are also three levels: regular card, gold card, and platinum card.

5. Zodiac Card

ICBC’s Zodiac Card is also a new card type well-known by many netizens. It is said that the card application rate is super high, and most of the applications have been approved. Only Gold card one level.

The above 5 cards are the easiest credit cards to apply for from ICBC. When choosing a card level, you should choose it based on your own star rating. Generally, you can choose a regular card with a three-star rating. If you reach five stars, you can choose the gold card, and if you reach six stars or above, you can choose the platinum card.

I would like to ask which card is better for ICBC credit cards

I recommend the following ICBC credit cards with richer benefits and higher limits:

1. ICBC Shangri-La co-branded platinum card;

2. ICBC Universe Constellation Credit Card;

3. ICBC JD Little White Card.

These card types are all worth applying for. You can refer to them and choose the most suitable card according to your needs.