01. Instructions for applying for a card

Foreign currency card 11 accounts, be careful

When applying for a card set, ICBC credit card is usually equipped with a foreign currency card. It is a foreign currency account with 9 to 11 accounts.

It looks like you have applied for 11 credit cards. In fact, it is just a foreign currency card from ICBC, and whether you activate it or not, these accounts will be displayed in the credit report.

So, if you can apply for a single-currency UnionPay card when applying for an ICBC card, do not apply for a foreign-currency Visa or MasterCard card.

Let me tell you secretly that JCB White + UnionPay White Card has 2 accounts, RMB + Japanese Yen account, instead of 11 foreign currency accounts.

The initial limit of the online application is low

If you are a novice who directly applies for the ICBC credit card online, the card approval will most likely be for a low initial limit, starting with a few thousand. But don’t worry, ICBC also raises the limit very quickly, and doubling it is common.

In the past, there were exclusive text messages that doubled the quota for large-scale events. Sending text messages in the form of special invitations usually resulted in an increase.

Shule's ICBC credit limit is increased from 20,000 to 50,000 through exclusive limit increase. Therefore, if you get an ICBC card with a low limit, don't rush to cancel the card. Wait, maybe wait until the limit is increased. Opportunity.

Each provincial branch has greater approval authority

The provincial branches of ICBC have greater approval authority than the credit card department of the head office.

Therefore, we are happy to see that the approved cards have regional characteristics, which indicates that the card is issued by a local provincial branch.

So, in many cases, we can apply for credit cards across regions, and some people actually approve them.

For example, for the Ningbo Shangri-La Platinum Card that Shule applied for before, there were previous activities that exempted the annual fee for 8 years.

2. Recommended card types

The easiest to apply for a card - digital card

For those who are not confident in their qualifications, you can try to apply for a digital card with your first card. It only takes a few minutes to know the approval result, and the probability of passing is quite high.

If you can't pass this card, other cards are basically useless.

Relatively easy - ICBC American Express Clear Card

This card is an American Express card, so it is also a card with a low threshold in ICBC. It is difficult for Shule to be approved by ICBC in Chongqing Branch. The regional online application was approved, which shows that there is a certain amount of slack.

Cashback Card - Rays Plus Card

This card type focuses on cashback benefits. The specific cashback policy is as follows:

1% rebate on domestic and overseas purchases. Now

From January 1, 2022 to December 31, 2022, Ray Card (Plus version) Gold/Platinum Card customers can enjoy 1% rebate on every purchase when they swipe or bind their cards at home and abroad. Current (except wholesale, house purchase, car purchase, charity, medical and other large non-daily consumption transactions and installment transactions). Among them, the upper limit of cash rebate for gold card is 60 yuan per person per month / 500 yuan per year (half is divided between domestic and overseas); the upper limit of cash rebate for platinum card is 500 yuan per person per month / 5,000 yuan per year (half is divided between domestic and overseas). The cashback currency is RMB.

Although after adjustments, only half of the cashback for domestic consumption with credit cards is left, the temptation of cashback is still unstoppable.

ICBC Shangri-La Co-branded Card

In addition to the benefits integrated by ICBC Platinum (VIP lounge/airport transfer), you can also enjoy 10% off Shangri-La hotel accommodation, hotel dining consumption 15% off and so on.

At the same time, Shangri-La hotel points are accumulated, and the chicken points can be used as meal tickets. Friends who have Shangri-La hotels in their cities must collect more points.

The most important thing is that this set of credit cards currently has an annual fee exemption for the first year. If you are a Jade-level member of Shangri-La Hotel, you can also apply for a three-year annual fee reduction.

This set of cards processed through special channels enjoys the annual fee exemption during the validity period, which is great.

Who doesn’t like the equivalent of Platinum with no annual fee?

3. ICBC Platinum Equity Announcement in the New Year of 2022

Serious Shrink

The announcement is as follows:

To sum up, the new The judgment of one-year benefits is mainly determined by consumption throughout 2021:

I won’t talk about the black gold card, YYDS. Unlimited VIP lounge access + unlimited travel with companions + 5 airport pick-up and drop-off services.

Platinum card thresholds are:

Spend more than 5 million yuan, unlimited VIP room visits + 5 airport pick-up services

Spend between 1 million and 5 million yuan, 10 complimentary VIP lounge privileges + 1 airport pick-up service

Spend between 200,000 and 1 million, get 10 VIP lounge privileges for free

Spend between 200,000 and 200,000, get 6 complimentary trips VIP lounge privileges

Within spending 20,000 yuan, you will receive VIP lounge privileges twice

So, most people will not be able to pick up or drop off the airport this year. Yes, it can be said that the cut was quite serious.

Okay, that’s it for today’s sharing. Learn more about credit cards and loans. Public account: Shule Chat Card R