1. Online card application: the business outlet operator conducts preliminary examination on the customer identity information, application form information and data supporting documents submitted by the entity application form. Credit cards must be "signed in person", and it is forbidden for others to sign on behalf of customers.

2. Online card processing: customers can apply for one or more personal credit cards through our website or by logging in to personal online banking. Customers can complete the credit card application by selecting the application product, filling in the personal (contact) information, agreeing on the card receiving outlets and setting the synchronous customization information.

3. Invitation card: Customers who receive our invitation card must fill in the invitation letter completely, mail the invitation letter and a clear and complete copy of valid ID to the designated address or submit it to the designated business outlets, and the lobby manager can handle the relevant formalities for the customers.

4. Application through other channels: If you apply for a card through other channels, you should also refer to the regular application process and related requirements. Credit cards must be signed in person, and others are prohibited from signing on behalf of customers.

Summary: ICBC's multi-currency credit card is a kind of credit card product that can be used for direct consumption and payment in currencies of many countries, which can effectively save overseas payment costs. Gold cards are different from ordinary cards in terms of quota, service and preferential rates. To choose a credit card that suits you according to your actual situation, the higher the amount, the better.