The value of credit cards issued by ICBC in the industry is obvious to all. Many banks will refer to the limit of the ICBC credit card under the user's name when approving credit cards. This has also led many friends to want to apply for ICBC credit cards. It’s just that everyone doesn’t know much about ICBC’s review and is worried that it will be rejected. Is it easy to apply for an ICBC credit card? How many days does it usually take for approval?

In fact, ICBC’s credit card application is not very difficult. Usually, the approval rate of users’ applications is relatively high. However, there are still some difficulties compared with other commercial banks, mainly focusing on the credit reporting requirements. As a state-owned bank, ICBC has strict requirements for users' credit reports. Those who want to apply should make sure that their credit reports do not have any overdue stains, and that there are no serious overdue behaviors in the recent period, and there should be no credit reports in the past six months. The problem of letter data spending. If you can ensure that there is no problem with your credit report, you can basically apply for an ICBC credit card. However, there are many types of cards issued by ICBC, and different credit cards have different thresholds for users. You need to choose based on your actual qualifications to avoid being turned away by ICBC in the future.

At present, the review speed of ICBC credit cards is relatively fast, basically within a week. The review speed of applying for a credit card at offline outlets may be slower. Friends who are in urgent need of money can consider applying online. If it is faster, it can even be approved on the same day, and you can receive the physical card in about 3 days. However, if you apply for a credit card online, you need to go to a bank branch to activate it, otherwise it will not be able to be used normally. Overall, ICBC's credit card approval speed is relatively fast. Of course, if your qualifications are not very good, the review speed will also be affected. Therefore, those who want to apply can optimize their personal qualifications in advance, mainly in terms of credit information.