It takes time to apply for an ICBC credit card, as follows:
1. It usually takes 3-7 working days to apply for an ICBC credit card online, and
2. It usually takes 15-3 working days to apply through a bank credit card specialist.
Although it is time-saving to apply for a credit card online, you must go to the local ICBC outlet to activate it before you can use it. In addition, the application for ICBC credit card is strictly examined. You must prepare sufficient personal information and have good personal credit, otherwise it will be easy to refuse the card. If you have a fixed deposit in ICBC, it will be much easier to pass the examination.
Extended information
ICBC credit card is the credit card with the highest circulation in China. At present, ICBC credit cards mainly include Peony International Credit Card, Peony Credit Card and Peony Credit Card.
According to the brand of ICBC credit card, it is divided into: Peony Visa Card, Peony MasterCard and Peony American Express Card; According to the credit rating, it is divided into: platinum card, gold card and ordinary card; According to the issuing object, it is divided into business cards and personal cards, in which personal cards are divided into main cards and auxiliary cards.
ICBC's annual fee collection standard is to use it first and then collect it, that is, the annual fee will not be collected until the account is opened for one year. In this year, as long as you swipe 5 or 5, yuan (3 student cards or 3, yuan, and 16, points of Platinum cards are exchanged for annual fees or 2, yuan is exempted). At the same time, ICBC does not charge an annual fee for opening a credit card.
Policy of permanently exempting and exempting the annual fee of ICBC's credit card:
For platinum card holders, if they spend a total of RMB 4 million, they can be granted a permanent exemption from the annual fee for their main and secondary cards.
For individual cardholders with gold and ordinary cards, if they have no bad credit history and have held various credit cards of ICBC for more than 1 years (including 1 years) since the implementation date of these Measures, they can be given a permanent annual fee-free discount for the main and auxiliary cards in an account. In addition, ICBC does not charge an annual fee for opening credit cards.
reference: Baidu encyclopedia? Icbc credit card