According to the cardholder's income and credit status, ICBC has approved the maximum amount that can be used for overdraft consumption and cash withdrawal, and the cardholder can recycle it within the validity period of the card.
When the same customer has multiple credit cards in ICBC, the credit line of each card is usually independent, and the consumption or deposit of one card will not affect the available credit lines of other cards. Multiple international cards can usually be adjusted through 95588 manual service. The limit between RMB card and international card is usually not adjustable.
The credit limits of multiple ICBC international cards of a cardholder are independent of each other, and the credit limits of RMB and foreign currency of an ICBC international card are also independent of each other. The RMB quota is used up, and the foreign currency quota is still there; Similarly, the foreign currency quota is used up, and the RMB quota is still there. In some cases, credit card swiping in Chinese mainland will also use foreign currency account for bookkeeping, and foreign currency quota will be used.
When ICBC credit card holders call ICBC customer service telephone, they can check the credit card limit through the customer service hotline, and know the credit card account arrears, current available limit and other information anytime and anywhere.
ICBC's credit cards, like those of other banks, are divided into three grades: ordinary cards, gold cards and platinum cards. And distinguish the amount according to the grade. Mainly divided into: Puka, Gold Card and Platinum Card. The specific division is as follows: ICBC's general card limit is: less than 20,000 yuan; The gold card limit of ICBC is: 10000~50000 yuan; The amount of ICBC Platinum Card is more than 50,000 yuan, with no upper limit.
Customers without cards (customers without credit cards):
Four-star Puka 1 10,000, five-star Gold Card 50,000, six-star Gold/Platinum Card 1 10,000, and seven-star Gold/Platinum Card 300,000;
Cardholder (credit card holder):
Four-star Puka 50000, five-star gold card 65438+ million, six-star platinum card 500000, seven-star platinum card 1 million.
The general credit card limit of ICBC is generally below 50,000 yuan.