Is it easy to apply for ICBC's credit card?

It's easier to apply for ICBC's credit card. As long as the applicant has repayment ability, legal identification and a good credit record, it's very easy to get off the card, but the amount of the card is determined by the bank. The amount depends mainly on the financial proof submitted, but the amount of the credit card applied for the first time is not very high.

There will be differences in the amount of credit card when you choose different application channels. Generally speaking, the amount of online application is lower than that of offline application, and the submission of some materials for online application will be restricted. You can submit more financial proof through the bank counter and the bank card salesman, and the amount of card issuance will naturally be high, but online application can shorten the time of card issuance and the applicant can get the card as soon as possible.

card classification

Peony quasi-credit card is a quasi-credit card issued by China Industrial and Commercial Bank, where the cardholder deposits a certain amount of reserve fund as required, and can overdraw within the specified credit limit when the balance of the reserve fund account is insufficient. Peony quasi-credit card can be used in China, China, Macau, China and UnionPay acceptance points in Thailand, South Korea, Singapore and other countries for settlement in RMB, with the functions of transfer settlement, cash deposit and withdrawal, credit consumption and so on. This peony quasi-credit card is a quasi-credit card with China characteristics, which has no precedent in other countries in the world. The emergence of this quasi-credit card is a reflection of the imperfect credit system in China. Peony quasi-credit card has stopped issuing. The peony credit card and peony international credit card that really meet the needs of the public are the development direction.

Peony International Credit Card

Peony International Credit Card is a credit card product with international standards launched by China Industrial and Commercial Bank. International cards are commonly used at home and abroad, and are settled in RMB and a specified++. Peony International Card adopts the circulating credit transaction method, which overdraws the consumption within the credit limit. If it is repaid in full before the due repayment date, it can enjoy the interest-free repayment discount. The card is universal.

Peony Credit Card

Peony Credit Card is a credit card issued by Industrial and Commercial Bank of China, which gives cardholders a certain credit limit and allows them to spend first and then repay. The credit card adopts the circulating credit transaction method, which overdraws the consumption within the credit limit. If it is fully repaid before the due repayment date, it can enjoy the interest-free repayment discount. Peony Credit Card can be used in China, China and Hongkong, China and Macau, and UnionPay acceptance points in Thailand, South Korea, Singapore and other countries. It is settled in RMB and has the functions of transfer settlement, cash deposit and withdrawal, credit consumption and so on.

Peony Credit Card

Peony Credit Card is a credit card issued by Industrial and Commercial Bank of China, which is limited to RMB credit cards used in the People's Republic of China. Settlement in RMB, with credit consumption, transfer settlement, cash deposit and withdrawal and other functions. Peony credit cards are divided into business cards and personal cards according to different issuers; According to different credit grades, it is divided into gold card and ordinary card.

Is it easy for ICBC to apply for a credit card?

ICBC's credit card application is very easy as long as it meets the requirements of the bank. When applying for a credit card, it must be at least 18 years old and must have a valid identity certificate; Applicants have stable jobs and good credit information. As long as these conditions are met, it is easy to apply for a general card.

if a user wants to apply for a credit card with a high amount, he/she needs to submit proof of financial resources, such as real estate information, vehicle information, provident fund, bank deposit certificate, etc. These financial resources can enable the user to apply for a credit card with a higher amount, and the bank will have an estimated amount before issuing the card.

You can apply for an ICBC credit card through the bank official website or the bank counter. When applying in official website Bank, users can know the rights and interests contained in each credit card, as well as the annual fee of the credit card, withdrawal fee and other information. When choosing a credit card, they can choose the one that suits them best according to their consumption habits.

users need to activate the new card before they can use it. Users can activate it through the credit card customer service hotline. When activating, they need to set the transaction password and inquiry password, which should not be the same. Users should be temperate when using credit cards, do not exceed their personal tolerance, and pay back on time every month.

is ICBC's credit card good?

1. ICBC's credit card review is strict, but as long as the credit conditions are good and meet the conditions of ICBC's card issuance, it is good, otherwise it will be easily rejected.

2. ICBC's credit cards are classified into general card, gold card, platinum card and black card. The higher the card level, the more difficult it is to get off. Among them, the applicant's credit information and ICBC's star rating are the two major factors that affect getting off the card. If the personal credit information is tainted, it is very likely that the application for a credit card will be rejected, or even rejected every second.

3. It is suggested that you apply for an ICBC credit card, instead of blindly pursuing high quota and high grade, and choose a card according to your credit conditions and actual needs.

Can you tell me more about ICBC's credit card? Enter: See more

Is ICBC's credit card easy to handle

If you have complete information and strong strength, ICBC's credit card will be easy to apply for, but in contrast, the credit cards of the four major state-owned banks are generally difficult to apply for, which is beyond doubt. If you have no qualifications, it is difficult to get a card, and even if you can get it, the amount is super low. At present, there are two channels for ICBC's credit card application, one is to apply at the counter with credit certificate, and the other is to apply at online banking. The general requirement is that the applicant has a fixed residence in the place where the issuing bank is located (generally, the permanent residence of the household registration is consistent with the place of application), and the income is stable and above the local average income level.

ICBC's credit card application conditions are as follows

1. Whether it has a stable job and whether it has repayment ability. As the four major banks, ICBC attaches great importance to whether the applicant has a stable job, because there are job representatives and a stable source of income, so for banks, the applicant at least has certain repayment ability. However, the nature of work and income directly affect the credit card quota. For example, if you work in a public institution or a well-known enterprise such as Fortune 5, and your income level is high, for ICBC, the more stable the applicant is, the higher the credit card quota will be.

second, whether the personal credit record is good or not, whether it is ICBC or other banks, the personal credit record is an important reference condition. Once the applicant has a credit stain, such as overdue credit card records and arrears in bank payments, most banks will not issue the card, let alone the four major state-owned banks such as ICBC.

third, whether the age meets the requirements, whether it has full capacity for civil conduct, whether it is over 18 years old and under 65 years old, and at the same time it has full capacity for civil conduct, in order to meet the application conditions of ICBC credit card. However, being under the age of 18 does not mean that you can't have a credit card, but you can apply for a supplementary card.

This mainly depends on the basic conditions of each applicant. It is relatively easy to apply for a card if the conditions are met, especially the peony card application of ICBC. There should be no problem. However, if the conditions are not met, it will be more difficult for ICBC to apply for credit cards.

is it difficult to apply for an ICBC credit card? The experience of applying for a card is here

The difficulty of applying for a credit card varies from person to person. After all, everyone's credit conditions are different, and the threshold of a bank is also high and low. Many card friends asked, is it difficult to apply for an ICBC credit card? It is the bank's decision to get off the card, so I can only share with you the card application experience of many card friends.

Kashen 1415983, a cardholder of a credit card forum:

At the end of 216, I applied for it three or four times through the ICBC website, all of which ended in failure;

Then I decided to go to ICBC outlets to ask for materials, and prepared an income certificate stamped with the company's official seal. I thought there should be no problem this time!

I submitted my application on March 3, 217, but I still failed when I received the text message at noon on the 9th.

Is it so difficult for the cardholder to apply for an ICBC credit card? Actually, it is not. In fact, the cardholder has not mastered the trick of applying for a card:

1. After the online application fails, don't submit the application repeatedly;

2. It is best to provide proof of financial resources when applying for outlets, such as real estate license and vehicle driving license. If not, it is best to have a deposit with ICBC;

3. If you really can't get the card, it is recommended that you don't crash it and apply for a credit card from another bank.

Card friend kashen1891362 said:

Personally, I feel that ICBC is not very difficult. I tied a big chicken with my aunt's savings card, and then I bought some wealth management products-I won step by step, just wait for my aunt's introduction, and then I applied for a Puka or a Gold Card online. That's how I got down.

credit card evaluation: which credit card is easy to use in 218? There is a lot of choice!

conclusion: whether it is difficult to apply for ICBC credit card depends on your personal credit conditions and card application skills. Blind card application is definitely not acceptable, and it is extremely counterproductive.

Is ICBC's credit card easy to handle?

ICBC's credit card is easy to handle. When applying, you must meet the requirements of ICBC's credit card application, be over 18 years old, work at the place where the card issuer is located, and have stable income and above the local average. It will be reviewed according to the applicant's comprehensive assets.

China Industrial and Commercial Bank of China was founded on January 1, 1984. As the largest commercial bank in China, after 29 years of reform and development, China Industrial and Commercial Bank has stepped into the track of coordinated development of quality and efficiency and scale.

The headquarters building of China Industrial and Commercial Bank was designed by SOM design firm in the United States. It is 13 stories high and has a construction area of nearly 13, square meters. It is divided into two parts: rectangular area and arc area, and the middle is connected as a whole in the form of an overpass.

At the end of p>23, the total assets were about 5,279.1 billion yuan, accounting for nearly one-fifth of the total assets of banking financial institutions in China. By the end of 21, ICBC's total assets were about 13,458.622 billion yuan, and its current total market value was about 1,434.47 billion yuan, ranking first among listed banks in the world.

By the end of 211, ICBC had 397,339 employees, and provided a wide range of financial products and services to 4.12 million corporate customers and 259 million individual customers through 16,227 domestic institutions, 23 overseas institutions and more than 1,562 correspondent banks all over the world, as well as online banking, telephone banking and self-service banking, which basically formed a cross-market and cross-service system with commercial banks as the main body.

At the end of p>21, the total assets reached 13,458.622 billion yuan, an increase of 1,673.569 billion yuan, or 14.2%; Total liabilities reached 12,636.965 billion yuan, an increase of 1,53.846 billion yuan or 13.8% over the end of last year; The total market value reached US$ 233.5 billion, ranking first among listed banks in the world.

in p>21, the net profit was 166.25 billion yuan, up by 28.4% over the previous year, and the growth rate was accelerated by 12. percentage points year-on-year, and it remained the most profitable bank in the world. The average return on total assets and the weighted average return on equity are 1.32% and 22.79%, respectively, which are at the leading level in the global banking industry. Earnings per share was .48 yuan, an increase of .1 yuan over the previous year; The balance of non-performing loans and the rate of non-performing loans kept a double decline for 11 consecutive years, and the rate of non-performing loans dropped to 1.8%.

thanks to the optimization of business structure, the completion of refinancing and the appropriate expansion of profit retention ratio, the capital adequacy ratio and core capital adequacy ratio reached 12.27% and 9.97% respectively, and the capital strength and sustainable development ability were further enhanced.

that's enough for the introduction of ICBC's credit card application.