The normal review period for ICBC credit cards is 10 working days. That is to say, it takes about 10 working days from receiving the applicant's information to completing the review of the information.

If you receive a call for credit inquiry during this period, it means that your review result will be available soon. Under normal circumstances, the corresponding review results will be given within 3 working days after you receive the call. It should be noted that calling a credit check does not mean that you have passed the review. Usually, the purpose of calling for credit investigation is to find out some information that is not clear enough.

After approval, a credit card will be issued for you within 2 working days. You can go to the right side of the homepage of the official website after 10 o'clock every day and click "Application Progress Query" to view the corresponding review results, or you can call the credit card center to check the results through voice self-service. Just query once a day. Regardless of whether the approval is passed or failed, the results will be displayed the next day after being updated on that day.

After the credit card is created, the credit card will be sent to you by registered mail according to the billing address. Since postal services vary from place to place, this process will take about one to two weeks, so please be patient. Of course, when filling in relevant information, you must ensure that the address is correct, otherwise it will affect your card collection.

Enterprise business:

Corporate deposit and loan business:

At the end of 2019, ICBC’s corporate loans were 9.955821 billion yuan, an increase of 536.927 billion yuan. an increase of 5.7%; corporate deposits were 12.028262 billion yuan, an increase of 547.121 billion yuan, an increase of 4.8%.

Inclusive financial business:

At the end of 2019, the balance of inclusive small and micro enterprise loans of ICBC was 471.521 billion yuan, an increase of 161.407 billion yuan or 52.0 from the beginning of the year. The number of customers was 423,000, an increase of 153,000. The average cumulative loan interest rate that year was 4.52, a decrease of 0.43 percentage points from the previous year. We will rely on financial technology to accelerate product iteration and update, and build an inclusive financial comprehensive service system around the ICBC small and micro financial service platform and the three major categories of products: Business Quick Loans, Online Loans, and Online Supply Chain Financing. At the end of 2019, the bank had 288 small and micro financial business centers.

Institutional financial business:

In 2019, ICBC comprehensively promoted the electronic reform process of fiscal revenue and expenditure accounts at all levels, innovatively promoted the "smart government" service system, and promoted "one government affairs". The multi-engine business cooperation structure of "12 key extension areas of the service portal and 22 value-added services" was implemented. Comprehensively promote inter-industry cooperation, sign new comprehensive strategic cooperation agreements with key customers at the head office level such as the China Development Bank and the Shanghai and Shenzhen stock exchanges, and sign a memorandum of cooperation with leading securities companies on the Science and Technology Innovation Board to promote the real economy and capital market develop. We launched a pilot bill brokerage business and successfully handled the first bill brokerage business in the market under the discount pass mechanism.