It takes time to apply for an ICBC credit card, as follows:
1. Applying for an ICBC credit card online generally takes 3-7 working days,
2. If It usually takes 15-30 working days to apply through a bank credit card specialist.
Although applying for a credit card online saves time in the early stage, you must go to a local ICBC branch to activate it before you can use it. In addition, when applying for an ICBC credit card, the review is strict. You must prepare sufficient personal information and your personal credit must be good, otherwise the card will be easily rejected. If you have a fixed deposit with ICBC, it will be relatively easy to pass the review.
Extended information
ICBC credit cards are the credit cards with the highest circulation in China. Currently, the main types of ICBC credit cards include: Peony International Credit Card, Peony Credit Card, and Peony Credit Card.
According to the brand of ICBC credit cards, they are divided into: Peony Visa Card, Peony MasterCard and Peony Express Card; according to the credit level, they are divided into: Platinum Card, Gold Card and Ordinary Card; according to the issuing objects, they are divided into business cards card and personal card, of which personal cards are divided into primary cards and secondary cards.
ICBC’s annual fee charging standard is to charge after use, that is, the annual fee will not be charged until one year after the account has been opened. In this year, as long as you make 5 transactions or 5,000 yuan (student card 3 Pen or 3,000, Platinum Card’s 160,000 points exchange for annual fee or 200,000 points waived annual fee), the annual fee for the current year will be waived. At the same time, there is no annual fee for ICBC credit cards if you do not open the card.
Permanent annual fee exemption policy for ICBC credit cards:
Platinum card holders who have accumulated a consumption of RMB 4 million will be granted permanent annual fee exemption for their primary and secondary cards.
For personal card holders of gold cards and ordinary cards, if they have no bad credit record and have continuously held various ICBC credit cards for more than 10 years (including 10 years) since the date of implementation of these measures , the cardholder can be given a permanent annual fee exemption for the primary and secondary cards in one account. In addition, there is no annual fee for ICBC credit cards if you do not open the card.
Reference materials: Baidu Encyclopedia?ICBC Credit Card