How long does it take to apply for an ICBC credit card?
It takes time to apply for an ICBC credit card, as follows:
1. Applying for an ICBC credit card online generally takes 3-7 working days,
2. If It usually takes 15-30 working days to apply through a bank credit card specialist.
Although applying for a credit card online saves time in the early stage, you must go to a local ICBC branch to activate it before you can use it. In addition, when applying for an ICBC credit card, the review is strict. You must prepare sufficient personal information and your personal credit must be good, otherwise the card will be easily rejected. If you have a fixed deposit with ICBC, it will be relatively easy to pass the review.
Extended information
ICBC credit cards are the credit cards with the highest circulation in China. Currently, the main types of ICBC credit cards include: Peony International Credit Card, Peony Credit Card, and Peony Credit Card.
According to the brand of ICBC credit cards, they are divided into: Peony Visa Card, Peony MasterCard and Peony Express Card; according to the credit level, they are divided into: Platinum Card, Gold Card and Ordinary Card; according to the issuing objects, they are divided into business cards card and personal card, of which personal cards are divided into primary cards and secondary cards.
ICBC’s annual fee charging standard is to charge after use, that is, the annual fee will not be charged until one year after the account has been opened. In this year, as long as you make 5 transactions or 5,000 yuan (student card 3 Pen or 3,000, Platinum Card’s 160,000 points exchange for annual fee or 200,000 points waived annual fee), the annual fee for the current year will be waived. At the same time, there is no annual fee for ICBC credit cards if you do not open the card.
Permanent annual fee exemption policy for ICBC credit cards:
Platinum card holders who have accumulated a consumption of RMB 4 million will be granted permanent annual fee exemption for their primary and secondary cards.
For personal card holders of gold cards and ordinary cards, if they have no bad credit record and have continuously held various ICBC credit cards for more than 10 years (including 10 years) since the date of implementation of these measures , the cardholder can be given a permanent annual fee exemption for the primary and secondary cards in one account. In addition, there is no annual fee for ICBC credit cards if you do not open the card.
Reference materials: Baidu Encyclopedia_ICBC Credit Card
I would like to ask how long it takes to apply for an ICBC credit card
It takes about a month to complete the entire application process for an ICBC credit card. Under normal circumstances, ICBC's credit card will complete the user's credit card review and production work within 15 days. After the application is completed, ICBC will send the credit card to the applicant via express delivery. The delivery time will be about one week. If the application is far away, the delivery time will be extended accordingly.
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How long does it take to apply for an ICBC credit card?
The application for an ICBC credit card requires the user to submit materials It usually takes 20 to 30 working days to get a credit card, which generally requires review, card production, and card mailing. However, after submitting the application materials, users can inquire through different channels, such as mobile banking and the bank's official website.
To apply for an ICBC credit card, you must be over 18 years old, have full capacity for civil conduct, have your work unit or fixed residence in the location of the card issuer, have good personal credit, etc., as well as other conditions stipulated by the bank, and meet the bank's conditions The bank will then release the card.
When applying for a credit card, the bank will decide the credit limit based on the materials submitted by the user. Generally, the better the financial proof submitted, the higher the credit limit the bank will grant. However, don’t pursue a high limit when applying for a credit card. Generally, the card limit of a bank is 2 to 3 times your monthly income.
Users can activate and use the newly applied credit card after they get it. However, after using it, they must repay it on time and avoid overdue repayment. After all, overdue repayment will affect their personal credit. After the credit report becomes bad, it is more difficult for users to apply for loans through banks.
How long does it take to get a credit card from ICBC?
The application for ICBC credit card is very fast. You just need to fill in some information on the official website, and it usually does not take more than half an hour. What is relatively slow is the review time for ICBC credit cards. This time is 15 working days, excluding weekends and holidays. After successfully passing the review, ICBC will start to issue the card, and then notify you to pick up the card or mail it to you.
In addition, when applying for an ICBC credit card, your application method is related to the method of receiving the credit card, as follows:
1. Apply for the card online. After successful application, ICBC will Notify you to collect the card at the designated outlet.
2. Apply for a card at an outlet. If you choose to receive the card by mail, it will generally take 7-15 working days to be sent to your home; if you choose to pick it up by yourself, it will arrive on the fifth day after you successfully open an account. You can pick it up at the card processing office in the future, just bring your ID card.
How long does it take to apply for an industrial and commercial credit card?
It takes about 30 working days from the application for an ICBC credit card to the card issuance.
Extended information:
ICBC credit card application time:
1. It takes 7 working days to submit the application and review it. After the applicant submits the application, the reviewer needs to check personal information, address, phone number, etc., as well as some personal qualifications, etc.
2. The ICBC Card Production Center takes 7 to 10 working days for approval and card production. After the ICBC branch receives the application form and supporting documents required for card application and passes the review, it will be submitted to the card production center of the head office for approval, and the card can be produced after approval.
3. It takes 10 calendar days to send the card. If the application is approved, the ICBC Card Manufacturing Center will mail it by registered mail, which will usually be received 10 days after it is sent. The applicant will be notified by SMS after the card is sent.
Industrial and Commercial Bank of China (INDUSTRIALANDCOMMERCIALBANKOFCHINA, ICBC for short) was established on January 1, 1984. The head office is located at No. 55 Fuxingmennei Street, Beijing. It is a large state-owned bank managed by the central government. The basic mission of ICBC is to raise social funds through domestic and foreign financing activities in accordance with national laws and regulations, strengthen credit fund management, support enterprise production and technological transformation, and serve my country's economic construction.
In February 2017, BrandFinance released the list of the top 500 global brands in 2017, with Industrial and Commercial Bank of China ranking 10th.
On June 20, 2018, the "China's 500 Most Valuable Brands" analysis report was released, and ICBC ranked 4th.
In July 2018, the British "Banker" magazine released the list of the top 1000 global banks in 2018, with Industrial and Commercial Bank of China ranking first.
In 2018, it ranked 26th among the Fortune Global 500.
On December 18, 2018, the "Top 500 World Brands 2018" compiled by the World Brand Laboratory was announced, and ICBC ranked 43rd.
On June 26, 2019, 8 banks including the Industrial and Commercial Bank of China were among the first to launch online enterprise information verification systems.
In July 2019, it was selected into the 2019 Fortune Global 500, ranking 26th.
In December 2019, ICBC was selected into the 100 Model Brands at the 2019 China Brand Power Ceremony.
On December 18, 2019, the People’s Daily released the China Brand Development Index 100 list, and Industrial and Commercial Bank of China ranked 9th.
On January 4, 2020, it won the "Sustainable Development Effectiveness Award" of the 2020 Finance Evergreen Award.
In March 2020, it was selected as the 6th among the top 500 global brands in 2020.
In August 2020, the Fortune Global 500 list was released, and Industrial and Commercial Bank of China ranked 24th.
On September 28, 2020, it was selected into the 2020 Top 500 Chinese Enterprises list, ranking fifth.
That’s it for the introduction of how long it takes to apply for a credit card from ICBC.