1. How long does it take ICBC to review the credit card?
ICBC generally completes the review of business card printing within 15 natural days. If you choose to mail the card, the new card will usually be sent within 7- 15 working days; If you don't support mailing or picking up the card yourself, you need to bring the original ID card to the designated outlets after receiving the card pick-up notice.
2. Which card is better for industrial and commercial credit card?
1. If you are an office worker, you'd better choose ICBC's card, because the application threshold for this card is not high; For car owners, it is better to choose ICBC car plus credit card, because the card is cashback and has related car rights; For college students, it is best to choose the universal installment credit card, and all full-time college students over 18 can apply.
2. For users, the card that suits them is the best, not to say that a card is the best compared with all credit cards of ICBC.
3. What are the conditions for ICBC to apply for a credit card?
1. Must be 18 years old (inclusive) with full capacity for civil conduct;
2. The work unit or fixed residence is in the location of the card issuer;
3. The income is stable, higher than the local average.
4. ICBC will conduct the audit according to the individual's comprehensive assets, subject to the actual examination and approval results.
Generally speaking, it is relatively easy for people with stable income and work, no bad personal credit record and good repayment ability to apply for a credit card. If the application fails, it is recommended to reapply after 1-3 months.
legal ground
Measures for the supervision and administration of credit card business of commercial banks
Article 7 The term "credit card" as mentioned in these Measures refers to all kinds of media that record the relevant information of the cardholder's account, have the function of bank credit line and overdraft, and provide relevant banking services for the cardholder.
Article 11 The term "card issuing service institutions" as mentioned in these Measures refers to legal persons or other organizations that have signed contracts with card issuing banks to assist them in providing credit card services.
Article 17 A commercial bank applying for credit card business shall meet the following basic conditions:
(1) The company has good corporate governance, its main prudential supervision indicators meet the relevant regulations of the China Banking Regulatory Commission, its organizational structure and rules and regulations are suitable for business development, and its internal control, risk management and accountability mechanisms are sound and effective;
(2) It has a good reputation, has a sound and effective internal control mechanism and case prevention and control system, and has no major violations of laws and regulations or major malignant cases in the last three years;
(3) Having qualified directors, senior managers and qualified employees. Senior management personnel should at least have 1 personnel with professional knowledge and management experience in credit card business, technical personnel and management personnel necessary to carry out credit card business, and fully implement hierarchical authorization management;
(4) Having business premises, relevant facilities and necessary information technology resources suitable for business operation;
(five) to establish business systems in China that meet the requirements of laws, regulations and business management, and have the technical ability to ensure the information security and operation quality of related business systems;
(6) To start foreign currency credit card business, it shall have the foreign exchange settlement and sale business qualification approved by the foreign exchange administration department of the State Council and the foreign exchange business qualification (or foreign exchange business scope) approved by the China Banking Regulatory Commission;
(7) Other prudential conditions stipulated by the China Banking Regulatory Commission.