ICBC credit card has attracted the attention of many users because of its wide range of applications and convenient application channels. ICBC provides two main application methods: one is to go directly to the counter, and the other is through online banking. For applicants, the first requirement is that they must have a stable residential address in the location of the card-issuing bank, usually the place of residence is consistent with the application address, and have stable income, and the income must be higher than the local average.

For over-the-counter applications, applicants need to prepare complete credit certificates, including important documents such as ID cards, income certificates, and property or vehicle ownership certificates. These documents will be submitted to ICBC's backend review department for a detailed review process. This step is crucial to ensuring your credit card application goes smoothly.

In contrast, online banking application is simpler. Applicants need to activate online banking first, and then fill in personal details in a secure network environment, which will also be reviewed by ICBC's back-end review department. It is worth noting that the higher the credit score (i.e. customer star rating) of an online banking applicant, the greater the likelihood of being approved for a credit card, which reflects ICBC's preferential policy for customers with good credit.

In summary, the application conditions for ICBC credit cards are relatively strict, but by providing complete application materials and a good credit record, applicants have a chance to obtain this credit card. Whether applying over the counter or through online banking, applicants are required to have corresponding qualifications and credit background in order to obtain satisfactory credit card services.