Have a stable job and be able to repay on time every month;
In addition, the applicant's credit information is good, and some financial certificates must be submitted to apply for a gold card. These are the basic conditions for application.
There are many kinds of gold cards in ICBC. Users can know the rights and interests of different cards when applying, and know which card has more discounts. Users can choose the one that suits them according to the actual situation.
It is best to know the rights and interests of different cards in ICBC official website, which you should pay attention to.
You can apply for a gold card through the ICBC counter or ICBC official website. If users want a higher amount, they can apply through the counter. At this time, they can submit more information, especially financial proof, so that users can get a higher credit card, but it is faster to apply for a card online.
It usually takes 20 working days for users to apply for a credit card. When users get a new credit card, they should know its basic information, such as annual fee, billing date, repayment date, overdue interest and so on. , which can make cardholders use credit cards better. When activating the credit card, you need to set the inquiry password and transaction password. These two passwords must not be confused when setting.
Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
The credit card stipulated in the relevant laws of our country (Interpretation of the Provisions of NPC Standing Committee on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. 20 17 12 1 The English Translation and Writing Standard for Public Service was formally implemented, and the English name of Credit Card was stipulated.
Credit card consumption is a non-cash transaction payment method, and there is no need to pay cash when spending, and repayment is made on the billing day.
Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.
From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate).
On May 25th, 2002/KLOC-0, the Supreme People's Court promulgated and implemented the Provisions of the Supreme People's Court on Several Issues Concerning the Trial of Civil Disputes over Bank Cards.