It is one card, but a dual-currency card. If the credit card is a dual-currency or multi-currency bank card, there will be a US dollar account and a RMB account. The limit of the ICBC credit card under the user's name is generally exclusive.
ICBC credit cards are the credit cards 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 the brand of ICBC credit cards, they are divided into: Peony Visa Card, Peony MasterCard and Peony Express Card; according to 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 primary cards and supplementary cards.
The differences between single-currency cards and dual-currency cards are as follows:
1. Single-currency card: 1 credit card supports 1 currency and is "1" account. This card only has the UnionPay logo.
2. Dual currency card: One credit card supports two currencies, which is "2" accounts. This kind of credit card usually bears the MasterCard or Visa logo and the UnionPay logo.
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 limit of gold card credit card is between 10,000 yuan and 50,000 yuan.
3. The credit limit of Platinum Card is generally above 50,000 yuan.
Credit card limit increase:
1. First of all, if it is a popular card, the credit limit can be automatically increased.
2. If the card meets the following standards and has no bad credit record, ICBC can automatically upgrade the credit limit:
1. No less than 3 months after opening the account and a cumulative consumption of 500 If the amount exceeds 500 yuan (inclusive), the credit limit can be adjusted to 500 yuan;
2. The credit limit can be adjusted no less than 3 months after reaching the 500 yuan limit level and the cumulative consumption exceeds 500 yuan (inclusive) is 1,000 yuan;
3. After reaching the 1,000 yuan limit level, the credit limit can be adjusted to 2,000 yuan for no less than 3 months and the cumulative consumption is more than 500 yuan (inclusive).
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 statements), and the ICBC credit card must be maintained for more than half a year. 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 more than 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.