First, collect the completed ICBC credit card application form.

Two. The risk assessment post and credit reporting post verify the authenticity of the information filled in by ICBC credit card application users, and conduct risk assessment on users.

3. Approval post: whether the supervisor issues cards and approves the quota, which is a post closely related to users. Whether the user's approval can pass or not and the user's credit limit are all the responsibilities of the approval post. The general approval principle is that the amount of the first card without guarantor does not exceed 50% of the applicant's annual income. If there is no basis, it can be estimated according to the average income of the industry. The general approval time is one week, and the approval notification method is SMS notification.

4. Business card printing and card issuing: After approval, the bank card business department will start business card printing.

5. Card issuance: mail the credit card to the user or notify the user to collect the credit card.