Online application for ICBC credit card

Online application process for ICBC credit card:

1. Enter the official website of ICBC "Online Banking", on the right Click "Credit Card Online Application" in "Convenient Services";

2. Click "Apply Now";

3. Enter "Credit Card Online Application" and enter your relevant information The types of credit cards that can be applied for appear;

4. Select a credit card type according to your own situation and click "Apply Online";

5. Select "Continue Online Application" in the web dialog box ;

6. Fill in your detailed information according to the actual situation and click "Next";

7. Choose whether to apply for an additional card according to your own situation, and click "Next" after selecting ”;

8. Set up the services of the credit card you applied for, and click “Next” after setting;

9. After reading the “Applicant Statement”, click on the lower left Please check "Read" before submitting.

Operating environment:

Brand model: Lenovo laptop Xiaoxin Air15 Ryzen Edition

System version: Windows11

2. Industrial and commercial Bank credit cards are the most widely issued credit cards in China. At present, 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 card, it is divided into: Peony Visa Card, Peony MasterCard and Peony Express Card; according to the credit level, it is divided into: platinum card, gold card and ordinary card; according to the issuing object, it is divided into business card and personal card, among which personal card Cards are divided into main cards and secondary cards.

3. ICBC credit card annual fee standards: domestic ordinary card annual fee is 50 yuan, gold card annual fee is 100 yuan; international dual currency card ordinary card fee is 100 yuan, gold card 200 yuan; business ordinary card is 200 yuan, The gold card is 400 yuan; the platinum card is 2,000 yuan; the annual fee for all supplementary cards is half of the annual fee for the main card. Annual fee-free policy: 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 transactions or 3,000, Platinum Card’s 160,000 points in exchange for the annual fee or 200,000 points waived for the 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 can 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, they can be given The primary and secondary cards in one account are permanently free of annual fees. In addition, there is no annual fee for ICBC credit cards if you do not open the card.

Can I apply for an ICBC credit card online?

You can apply for a card online.

1. Online application process:

1. Enter the bank card application page through the ICBC portal website or log in to personal online banking

2. Select the province where you apply for the card and city and bank card type to apply for_and click Apply

3. Complete the application information according to the prompts and agree on the card collection outlet. Read ICBC's "Instructions for Safe Card Use" and "Automatic Repayment Business Agreement" Letter" and confirm whether you agree with the content of the applicant's statement;

4. After confirming the applicant's statement, you can click "Submit" to complete the application process. After submitting the application, you can click "Continue Application" to enter the product selection page and continue to choose to apply for other products

5. You can check the card application progress through the counter, telephone banking and portal website, or log in to personal online banking

6. After receiving the card, the appointment card collection outlet will send a card collection notification message to the applicant

7. After receiving the card collection notice, the applicant must present a valid ID card to the designated collection center. Card branches handle signature confirmation, card collection and activation of business

2. Which banks can apply for cards online?

If it is your first card, you can apply online for many banks. To be precise, common banks, especially banks with more flexible ideas, such as China Merchants, CITIC, Communications, and Guangfa, can all apply online.

However, considering the bank’s review, you and the bank’s people need to meet in person. China Merchants Bank will have a salesperson visit you at your unit after you apply. CITIC, Communications, etc. will mail it to you after passing the online preliminary review. However, this card cannot be used temporarily. You must bring the card to a bank branch for an interview before it can be officially opened. Otherwise, if all applications are made without seeing the applicant in person, this is a violation of the regulations of the China Banking Regulatory Commission. If you are not the first cardholder, that is, you already hold a card from the bank and apply for a second card, then basically all applications for industrial and commercial, construction, investment promotion, CITIC, transportation, people's livelihood, industrial, etc. can be done online.

3. What are the requirements for applying for a card online?

1. First of all, the credit card held by the card applicant is in normal condition and has no bad credit record.

2. According to current information from public channels, the banks that currently support card application are: Bank of China, Bank of Communications, Shanghai Pudong Development Bank, China Everbright Bank, Hua Xia Bank, Industrial Bank, Ping An Bank, and China Guangfa Bank . Generally speaking, for these banks, the card you currently hold with the longest period of use and the highest limit will be more popular. However, you still need to consult the customer service of each bank in detail for specific circumstances. Each bank has its own rules for the card application model.

3. Try to provide proof of personal financial resources when applying for a credit card, such as: copies of self-owned real estate certification documents, original and duplicate copies of motor vehicle registration documents, and copies of bank fixed-term (current) deposit certificates (folded) Documents or copies of academic certificates, etc. 4. The age of the card you have as a reference needs to meet the standard. It must have been used for at least half a year, the limit cannot be less than 5,000, and there is no bad record. In addition, the number of cards in one's name should not be too many. For ordinary people, 4 cards is enough.

What is the online application process for Industrial and Commercial Credit Cards

Each bank has its own credit card. You can apply directly online for ICBC credit cards. In fact, there are still many people who are interested in applying for them online. The ICBC credit card online application process is not very clear. The ICBC credit card online application process is as follows:

1. Search the ICBC Credit Card Center on Baidu, register and log in, find the credit card application page, and follow the process;

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2. According to the ICBC credit card display, select the type of credit card, and click Apply after selection;

3. Fill in the application information as required, and make an appointment at the card collection outlet. After carefully reading the relevant agreement, there is no choice. Objection, agree with the content of the applicant's statement;

4. After confirming the applicant's statement, click Submit to complete the application;

5. After the application is submitted successfully, you can log in to personal online banking to check the progress of the card application ;

6. After receiving the card, the card collection outlet selected in the early stage will send a card collection notification text message to the applicant;

7. After the applicant receives the notification, Bring your valid ID to the branch to pick up the card and activate it for use.

Inquiry on the progress of industrial and commercial credit cards

Generally, after applying for a credit card, the card cannot be collected and used immediately. The bank requires a certain amount of time for approval and card issuance. So if the applicant is anxious and wants to know The application progress of ICBC credit card can be checked through ICBC online banking, telephone or counter.

For online banking inquiries, you first need to log in to ICBC online banking, then find the credit card service button and click it, then click "Query Online Card Application Progress" on the page, and enter your ID number as required. Check the progress of your credit card application.

To check the progress by phone, you need to call the ICBC credit card customer service number (95588). After dialing, follow the prompts to transfer to the manual customer service. Tell the customer service your intention, and the customer service will query the relevant credit card application based on the ID number you provided. schedule.

For counter enquiries, you need to go to the ICBC counter at your location and inform the staff of your intention. The staff will assist you in checking the progress of your credit card application.

Industrial and commercial credit card limit

When using a credit card, everyone will be very concerned about the limit issue, but the credit card limit of any bank varies from person to person. The bank will determine the limit based on the applicant’s credit. The available limit of the credit card related to the approval of your situation, repayment ability, etc.

ICBC’s current credit card limits are divided into three levels. The credit limit of regular cards is generally within 10,000 yuan, the credit limit of gold cards is generally between 10,000 and 50,000 yuan, and the credit limit of platinum cards is generally between 10,000 and 50,000 yuan. More than 50,000 yuan. Of course, the actual approval amount for each applicant is still related to the information provided by the applicant.

If the cardholder feels that the credit limit of the ICBC credit card he is using is too low, he can apply to ICBC for a limit increase. Generally, as long as he has held the card for more than half a year, has no overdue records, and has paid back on time, he can apply to ICBC for a limit increase. Generally speaking, as long as you spend more money with your card and make monthly repayments on schedule, the bank will apply for a limit increase.

That’s it for the introduction to online application for industrial and commercial credit cards.