I applied for an Industrial and Commercial Bank of China credit card, and two cards were sent by courier.

Dual currency card, one foreign currency card, and one UnionPay card.

Nowadays, co-branded cards are issued in a "1 1" manner, that is, a UnionPay brand RMB card and a foreign currency card of other brands. The two cards have independent card numbers and the same level, and their limits are unified into the total personal credit card. Degree management, RMB accounts and foreign currency accounts are automatically linked, and customer transactions are reflected in one bill.

About dual currency cards:

Dual currency cards are usually paid in RMB via the UnionPay settlement network in China. Overseas, international bank cards designated by the dual currency card logo can be used. The organization's settlement network uses foreign currencies as the settlement currency for payments. (Of course, overseas countries with UnionPay connections can also use RMB settlement). The dual-currency card is a transitional product under my country’s current foreign exchange control.

Common international bank card organizations include Visa, Master, American Express, etc. These three international bank card organizations have all cooperated with major domestic banks. Issue bank cards.

Because financial IC cards no longer allow the issuance of dual-currency cards, the issuance of magnetic stripe cards was stopped on January 1, 2015. As a transitional product, the dual-currency card ended its mission.

Chinese name dual currency card

Category bank card

Features: Has two currency settlement accounts

International bank card Visa (dimensional Sa), Master

Attached are the advantages and disadvantages of the Industrial and Commercial Bank of China Dual Currency Card:

Advantages: The maximum credit limit of a personal card can reach 50,000 yuan. It can be used at overseas acceptance points with "VISA" and "MasterCard" logos. Settled in RMB and a designated foreign currency, it has functions such as overdraft consumption, transfer settlement, cash deposits and withdrawals, etc. It can be repaid by purchasing foreign exchange in RMB.

Disadvantages: Chinese credit cards are still not very convenient to use abroad. There is no handling fee when using the UnionPay channel at POS or ATM, but it is not very popular among merchants like this. There is a handling fee when using American Express or VISA channels. , the usage cost is relatively high. I have just applied for an ICBC credit card, can I still apply for other ICBC credit cards?

Yes. It's just not necessary. Everyone's credit card limit in the same bank is exclusive. I applied for an ICBC credit card, when?

Credit card application progress query:

Query steps:

1. Online banking query:

1. Log in to the bank's credit card center page, and then click the "Card Application Progress Query" function;

2. Enter the "Credit Card Application Progress Query" page, enter the ID number and verification code to query Go to the bank for details on the progress of your credit card application.

2. Telephone inquiry: Call the credit card customer service number and enter your ID number to check the progress.

3. WeChat inquiry: Follow the bank’s official account to check the application progress.

4. Bank counter inquiry: Check the credit card application progress through the bank counter or contact the local card issuer. Hello, I applied for an ICBC credit card online and it passed the audit.

Credit card application conditions:

To apply for a credit card, you need to be over 18 years old and have a stable income or If you have other proof of financial resources, you can apply for a credit card.

Conditions for applying for a credit card:

Be at least 18 years old;

Your second-generation ID card is required;

Have a job certificate and Proof of income stamped with the financial seal of the unit;

No bad credit record;

Other proof of financial resources, such as real estate, cars, stocks, bonds, etc.

Credit card application process:

Fill in the application form;

Provide personal information to the bank, and photocopy of the information;

Send by bank To the credit card center;

The credit card center will audit, print and issue the card;

After I get the card, I will open the card and wait for the password letter. Why is the ICBC credit card sent by mail?

After passing the credit card audit, the card needs to be printed, which usually takes about 1-2 working days. When the card is sent, you will be notified in the form of a text message. In some cases, if the text message If there is no registered mail order number, you can call the credit card customer service and ask them to help you check:

1. If sent by registered mail, it will usually be received in about 7-15 days;

2. If sent by EMS, it will arrive in 3 to 4 days nationwide, within 2 days in this province, and 7 to 10 days abroad (countries that have signed a peace treaty with China);

3. Received After the bank sends the card SMS notification, you can check the delivery progress through the tracking number on the official postal website;

The above is calculated from the bank sending time, excluding card printing and other time.

How can I apply for two ICBC credit cards?

One main card and one debit card.

Conditions for applying for a credit card:

1. Aged 18 or above, with full capacity for civil conduct;

2. Have a good credit record;

3. The applicant can be a spouse or spouse with full capacity for civil conduct; Relatives can apply for no more than two supplementary cards.

Materials for applying for a credit card:

1. Identity certification materials: photocopy of resident ID card or military officer ID card;

2. Work and income certification materials;

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3. Other proof of financial resources: such as a photocopy of the real estate certificate, a photocopy of the vehicle driving license, a photocopy of the deposit receipt, etc.

Credit card application method:

1. Bring credit certificate to the counter to apply: The applicant is required to submit a relatively complete asset certificate file and submit the above to the bank for audit by the bank's back-end audit department.

2. Online banking application: The applicant uses a savings card account in his or her name to open online banking, enter the official website of the required bank, enter the card number, login password and verification code to enter the online banking page. Click "Credit Card Service", you can choose to apply for a credit card under the credit card service page, fill in the information and submit it. The audit progress and results will be displayed on the online banking. I applied for an ICBC credit card online, but it shows that the card has been issued. What's going on?

It didn't pass. I suggest you apply for our Bank of Communications credit card. The card can be approved in 2 hours at the fastest. I can recommend it for free.

How long? I just applied for an ICBC credit card. When will the card be issued?

I called ICBC’s customer service more than 20 times and it took 43 days to get the card. This also depends on the region. It mainly depends on the person applying for the card in that region. It doesn’t matter if it’s more. If it’s more, it’ll be good to get the card in 2 months. I have a friend who took 6 months to get the card. If it’s not more, he can get the card in half a month. I just applied for an ICBC credit card. When will the card be issued?

I applied for the card through APP mobile banking on 3.10 and it was passed. On 3.23, it showed that the card was being processed. Today, on 4.2, the card is still being processed. The progress has been checked on the mobile phone. The account opening is successful (the APP checks the progress, and the account opening is successful in the end, and there will be no further progress display). The online banking inquiry is that the card is being processed. I have called N number of people to ask if I have received the text message from the branch. I said no. He said that you have to wait for the branch to send you a text message, which means that the card has arrived at the branch, and then you can just go and get it!

Recommended trick: Go to the APP, click on credit card, click on apply for credit card, and check if there is a reference limit in this column. If the card is lower than the reference limit, you can wait until you get the card and enter online banking immediately. Or APP or manually raise the amount to the reference amount (but there is a chance, not 100%, but since it can be like this, we must all try it), if not, please ignore it!