ICBC credit cards have different credit lines according to different card types.
1. ICBC's credit card is divided into three grades, and the amount is different according to different card types:
1) The credit card limit of Puka is below 10000 yuan;
2) The credit line of the gold card is between 10000 yuan and 50000 yuan;
3) The credit limit of a platinum card is generally more than 50,000 yuan.
2. ICBC's credit card limit promotion needs to meet the following conditions:
1) ICBC's credit card limit upgrade requires user activation for more than half a year (180 days or six orders), and ICBC credit card holders can apply to the credit card center for credit card limit upgrade.
2) For the first withdrawal, the card needs to be used for more than half a year, and it is normally used (generally, the average monthly consumption is required to be above 30%/ limit) and there is no bad record in the last 6 months. Peony credit card has a fixed amount and does not provide adjustment service.
3) In addition, the repayment credit status without bad records within half a year is only the basic condition for ICBC to increase the credit card limit. Whether the withdrawal can be successful and how much the amount can be increased depends on the average monthly consumption amount and consumption type of the cardholder.
1. Advantages of ICBC Credit Card:
1) greatly reduces the operating costs of banks and effectively improves the profitability of banks. Online banking mainly uses public network resources, without setting up physical branches or business outlets, reducing personnel costs and improving the efficiency of bank back-office systems.
2) It has both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers.
3) It is conducive to service innovation and provides customers with diversified and personalized services. Selling financial products such as insurance, securities and funds through bank outlets is often greatly restricted, mainly because it is difficult for ordinary outlets to provide customers with detailed and low-cost information consulting services.
4) nationwide accessibility. You can withdraw money or spend money by credit card at ATM and POS machines with UnionPay logo.
5) Free choice of two currencies for one card. ICBC's credit card is universal, and consumption abroad can repay in RMB.
As the largest bank in the universe, why does ICBC jointly issue unlimited credit cards with Amex Centurion, but not separately? So is China Merchants Bank.
Unlimited cards, that is, black cards, have high requirements for customers, not only having money, but also agreeing with the service concept and charges of banks.
In this regard, American Express has strong ability and experience, which can effectively screen customers and promote them.
Can ICBC credit cards be overused?
ICBC credit card does not support over-limit use. If your credit limit is insufficient, you can log in to ICBC e Life and check the credit card limit through the "Finance" function. If the card has been activated for 90 days and the account status is normal and repayment is made on time, you can try to adjust the credit limit according to the page prompts, and the application result will be subject to the system prompts.
Tips:
1. Each person can only apply for temporary adjustment four times a year, and the maximum validity period of each time can be set as 1 month;
2. Credit card spending should be within the available amount. In principle, the available amount will be restored in real time after self-service repayment;
3. ICBC actively adjusts the limit of some credit cards from time to time. I suggest you swipe your card more, spend more, repay on time, and keep a good record of using your card.
(Answer time: 01.65438+6.00,2020. In case of business changes, please refer to the actual situation. )
Which line of ICBC credit card is higher?
Among ICBC credit cards, Platinum Credit Card is the best and has the highest credit limit. The maximum credit limit of users can be as high as 200,000 to 6,543.8+00,000, which is several times higher than that of ordinary credit cards, because the credit limits of ICBC's ordinary credit cards and gold cards are usually below 50,000 yuan, while those of ordinary credit cards rarely reach tens of thousands of yuan, while those of platinum cards are usually above 5 yuan.
Platinum credit cards in ICBC credit cards belong to a higher level, and cardholders can enjoy many exclusive benefits and services, but the annual fee of platinum credit cards is generally higher. For example, ICBC's platinum credit card has a maximum amount of 200,000 yuan and an annual fee of 2,000 yuan, and it must be swiped 200,000 yuan every year before it can be reduced or exempted.
The above is the answer to which credit card of ICBC is high. I hope I can help you. There are many types of credit cards in ICBC, and the amount of credit cards is also estimated according to the types and user qualifications. It depends on the detailed data when you apply for the card.
Among ICBC's many credit cards, relatively speaking, ICBC's platinum credit card has a higher quota. At present, the general credit card limit of ICBC is 0-50 thousand yuan; The gold card amount is 15000-50000 yuan; The amount of a platinum card is more than 50,000 yuan. Platinum card not only has a high amount, but also enjoys many rights and interests.
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I. Types of Credit Cards of Industrial and Commercial Bank of China
Credit cards are usually divided into different categories according to different brands, different objects and different grades. Let's take a concrete look at the types of credit cards of ICBC.
1. ICBC credit cards are divided into: Peony Visa Card, Peony MasterCard and Peony American Express Card by brand;
2. According to the credit rating of ICBC credit cards, they are divided into platinum cards, gold cards and ordinary cards;
3. According to the issuing object of ICBC credit card, it is divided into business card and personal card, in which personal card is divided into main card and auxiliary card.
4. According to the currency of ICBC credit card account, it can be divided into RMB card, dual-currency card and multi-currency card.
Two. Icbc credit card limit
The credit limit of any credit card is that the bank scores the applicant's application conditions, application materials and credit records, and gives the applicant a certain amount according to the corresponding score. Generally speaking, the ordinary card amount is 3000~ 10000, the gold card amount is 10000~50000, and the platinum card amount is more than 50000. How much you can get in the application depends on your comprehensive strength.
What are the advantages of ICBC credit card?
Advantages: 1: All local banks of ICBC credit cards are free of handling fees;
Advantage 2: ICBC has many outlets, and the card types meet the needs of all kinds of people;
Advantage 3: There are three options for consumer passwords: no password is required for all transactions; All transactions require a password; A password is required for transactions exceeding the limit.
Advantage 4: All ICBC credit cards are charged on a natural monthly basis, which is easy to remember.
Advantage 5: ICBC has a variety of credit cards, including quasi-credit cards, RMB credit cards and dual-currency credit cards (USD, EUR, HKD); VISA, MASTER, AE and UnionPay standard cards are available.
How to brush the large amount of ICBC digital card?
Dear, unless you can brush more in some cooperative specific businesses, or businesses with business licenses can brush more.
There is also an online way. In fact, the online method is similar to Alipay and WeChat, but it takes the online large payment channel, which fully meets the requirements of cardholders to swipe their cards. Moreover, the advantages of online are not only that, but also some risk control cards can be swiped, such as Guangfa specific merchants and secure transaction interception. Online is also the most effective way to swipe ICBC digital cards in large amount at present. The amount of ICBC Platinum Digital Card is generally between 50,000 -65438+ 10,000. It should be noted that this amount is a reference amount, and the bank will give the actual amount according to the information submitted by the user and personal credit evaluation.
ICBC Platinum Digital Card is different from traditional credit card. Applicants only need to fill in the information on the mobile banking APP and submit the application. The approval can be completed as soon as the same day, and the amount is equal to or more than that of traditional credit cards. This card can be exempted from annual fee. Compared with the big platinum with rigid annual fee, there must be a gap in the amount. Industrial and Commercial Platinum Digital Card is an innovative digital credit card product jointly launched by Industrial and Commercial Bank of China and China UnionPay. This product is a digital product that "the product is the application, the authority is the search, and the function is fully displayed with one button".
Xiamen ICBC will bring a series of wonderful activities, financial services and rich gifts in this reader's day. According to the relevant person in charge of Xiamen ICBC, at present, the bank carries out diversified ICBC credit card series activities to provide more choices for the general public and help stimulate consumption.
It is reported that the activity of ICBC credit card partner (recommended on the code) is in full swing. Citizens recommend their relatives and friends who don't hold ICBC credit cards to apply for ICBC credit card designation, and successfully open an account before 65438+Feb. 3 1, so that they can get 50 yuan e-life coupons or cash back rewards of different grades, with a maximum cash back of 10000 yuan.
At the same time, for the first time, citizens can use ICBC credit card to bind online payments such as Alipay, WeChat, JD.com Payment, Suning Payment, Meituan Payment and Didi Chuxing App, and they can get a reduction or red envelope benefit ranging from 6.6 yuan to 10 yuan.
In addition, from now until June 65438+February 3 this year 1, citizens can accumulate points by using Alipay, WeChat and JD.COM, and for every 1 yuan spent, they can accumulate1points. ICBC points customers can redeem Alipay red envelopes, WeChat reduced payment, JD.COM Steel, etc. in the popular activity area of "ICBC e-Student". At the same time, 1.5 yuan AliPay red envelope/WeChat reduced payment also has a limited redemption discount of 1 100 points, and JD.COM Steel _ 10 yuan 6667 points. For your reference, I hope it will help you.
So much for ICBC's unlimited credit card.