What is the general limit for ICBC credit cards?

ICBC credit cards have different limits according to different card types.

1. ICBC credit cards are divided into three levels. According to different levels of cards, the limits are different:

1) The limit of ordinary credit cards is less than 10,000 yuan;

2) The credit card limit of gold card is between 10,000 yuan and 50,000 yuan;

3) The credit card limit of platinum card is generally above 50,000 yuan.

2. The following conditions need to be met to increase the limit of ICBC credit card:

1) The limit increase of ICBC credit card requires the user to activate it for more than half a year (180 days or issue 6 bills). ICBC credit card Cardholders can apply to the credit card center for a limit increase.

2) The first withdrawal requires using the card for more than half a year, using it normally (generally the average monthly consumption is required to be above 30% of the limit) and having no bad records in the last 6 months. The credit limit of Peony Credit Card is fixed and no limit adjustment service is provided.

3) In addition, repayment credit status with no bad records within six months is only the basic condition for ICBC credit card limit increase. Whether the limit increase can be successful and how much the limit can be increased also depends on the cardholder's Average monthly consumption amount and consumption type.

1. Advantages of ICBC credit cards:

1) Greatly reduce bank operating costs and effectively improve bank profitability. To launch online banking services, we mainly use public network resources and do not need to set up physical branches or business outlets, which reduces personnel costs and improves the efficiency of the bank's back-end system.

2) It has both payment and credit functions. Cardholders can use it to purchase goods or enjoy services, and can also obtain certain loans from card issuers by using their credit cards.

3) It is conducive to service innovation and provides customers with various types of personalized services. The sale of financial products such as insurance, securities and funds through bank business outlets is often greatly restricted, mainly because it is difficult for general business outlets to provide customers with detailed, low-cost information consulting services.

4) Accessible across the country. You can withdraw money or make purchases by credit card at ATMs and POS machines with the UnionPay logo.

5) Free choice of one card and two currencies. ICBC credit cards are accepted all over the world, and overseas purchases can be repaid in domestic RMB.

What is the credit limit of ICBC?

ICBC credit cards are divided into three levels. According to different levels of cards, the limits are also different:

1. General The credit card limit is less than 10,000 yuan;

2. The gold card credit card limit is between 10,000 yuan and 50,000 yuan;

3. The platinum card credit card limit is generally more than 50,000 yuan.

Extended information:

1. The following conditions must be met to increase the ICBC credit card limit:

1. The ICBC credit card limit increase requires the user to activate it for more than half a year (180 days) Or issue 6 installments of bills), ICBC credit card holders can apply to the Credit Card Center for a limit increase.

2. The first withdrawal requires using the card for more than half a year, using it normally (generally the average monthly consumption is required to be above 30% of the limit) and having no bad records in the last 6 months. The credit limit of Peony Credit Card is fixed and no limit adjustment service is provided.

3. In addition, the credit status of repayment without bad records within six months is only the basic condition for increasing the ICBC credit card limit. Whether the limit increase can be successful and how much the limit can be increased also depends on the cardholder's Average monthly consumption amount and consumption type.

2. Methods to increase your credit limit:

1. Frequently use Bank of Communications credit cards, regardless of the amount, as long as you can swipe your card, you will definitely swipe it wherever you can. You really need to swipe the card more often, because the system will consider the credit card to be a necessity in your life;

2. It is best to generate at least 30% of the total monthly bill consumption. In fact, this is not the case. If you swipe more cards, the bank will indeed make more money. However, if your consumption amount does not match your income, the bank will consider you to be a high risk;

3. Pay attention to the time for raising the limit. It is best to apply on the statement day or when the card has just been maxed out. Valid;

4. The bills for card consumption must last for 3 consecutive months, with no breaks in between, that is, there must be consumption every month. It has a great effect on raising the quota in the early stage.

5. Put an end to bad card usage records and repay on time. If you cannot repay in full, you must repay the minimum repayment amount on time and pay interest.

3. Generally speaking, the credit card limits of commercial banks are higher than those of state-owned banks. Common commercial banks include China Merchants Bank, China Everbright Bank, China CITIC Bank, etc., while state-owned banks include Industrial and Commercial Bank of China, etc. Agricultural Bank of China, Bank of China, China Construction Bank, etc. However, the credit card limit does not depend on the bank, but on the card applicant's own conditions and card application information.

What is the general limit of ICBC credit card?

The limit of ICBC credit card can be divided into the following three situations according to the type of credit card:

1. General ICBC credit card Card: The limit is less than 10,000 yuan;

2. ICBC Credit Card Gold Card: The limit is between 10,000 yuan and 50,000 yuan;

3. ICBC Credit Card Platinum Card : The amount is between 50,000 and 100,000 yuan. If the ICBC credit card has been used for more than half a year and there is no bad record during the use period, the cardholder can apply to ICBC for a limit increase. The bank will determine whether to approve the limit increase based on the cardholder's credit card usage.

Introduction to ICBC:

Industrial and Commercial Bank of China (INDUSTRIALANDCOMMERCIALBANKOFCHINA, ICBC for short) was established on January 1, 1984. The head office is located at No. 55 Fuxingmennei Street, Beijing. It is a large state-owned bank managed by the central government and one of the four major banks in China.

ICBC Credit Card

ICBC Credit Card is the credit card with the highest circulation in China. The main types of ICBC credit cards include: Peony International Credit Card, Peony Credit Card, and Peony Credit Card; according to ICBC The brands of bank credit cards 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 and personal cards, of which personal cards are divided into Main card and secondary card.

The Peony quasi-credit card is issued by the Industrial and Commercial Bank of China. The cardholder deposits a certain amount of reserve as required. When the reserve account balance is insufficient to pay, it is a quasi-loan that can be overdrafted within the prescribed credit limit. Credit card. The Peony quasi-credit card can be used for settlement in RMB at UnionPay acceptance points in China, Hong Kong, China, Macau, Thailand, South Korea, Singapore and other countries, and has functions such as transfer settlement, cash deposits and withdrawals, and credit consumption. This Peony quasi-credit card is a quasi-credit card with Chinese characteristics. There is no precedent in other countries in the world. The emergence of this quasi-credit card is a reflection of China's imperfect credit system. Peony quasi-credit card has been discontinued. Peony credit cards and Peony international credit cards that truly meet the needs of the public are the direction of development.

What is the general limit of industrial and commercial credit cards?

ICBC credit cards are divided into three levels. According to different levels of cards, the limits are also different:

General card credit cards The limit is less than 10,000 yuan;

The credit card limit of gold card is between 10,000 yuan and 50,000 yuan;

The credit card limit of platinum card is generally more than 50,000 yuan.

Credit cards refer to various media that record cardholder account information, have bank credit lines and overdraft functions, and provide cardholders with related banking services.

The following conditions need to be met to increase the ICBC credit card limit:

The ICBC credit card limit increase requires the user to activate it for more than half a year (180 days or issue 6 bills), and the ICBC credit card holder must You can apply to the credit card center for a limit increase;

The first limit increase requires the card to be used for more than half a year, used normally (generally the average monthly consumption is required to be 30% or more of the limit), and with no bad records in the past 6 months. The Peony Credit Card has a fixed limit and does not provide limit adjustment services;

In addition, the repayment credit status with no bad records within six months is only the basic condition for increasing the ICBC credit card limit. Whether the limit increase can be successful and how much it can be increased The limit also depends on the cardholder’s average monthly consumption amount and consumption type.

Main features of credit card:

1. Credit card is one of the fastest growing financial services today. It is an electronic currency that can replace traditional cash circulation within a certain range. ;

2. Credit cards have both payment and credit functions.

Cardholders can use it to purchase goods or enjoy services, and can also obtain certain loans from card issuers by using credit cards;

3. Credit cards are high-tech products that integrate financial services and computer technology.

4. Credit cards can reduce the use of cash;

5. Credit cards can provide settlement services, facilitate shopping and consumption, and enhance a sense of security;

6. Credit cards It can simplify the collection procedures and save social labor;

7. Credit cards can promote product sales and meet social needs.

In most cases, citizens who have full capacity for civil conduct (citizens over 18 years old in mainland China) and have certain direct financial resources can apply for a credit card from the card issuing bank. Sometimes, legal persons can also serve as applicants

Those who apply for credit cards can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country. Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed.

Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.