ICBC sent me a short message, inviting me to apply for a credit card according to my credit history. Does this mean that if I apply for a credit card, I will pass?

The invitation to apply for credit card SMS sent by ICBC is a way for some banks to promote credit card processing. But it doesn't mean that applying for a credit card will definitely pass. Credit card pass is related to the applicant's personal credit record, work situation, income situation, family situation and other comprehensive scores.

When applying for a credit card, you should pay attention to filling in the form carefully, and answer the credit card audit call with clear thinking and concise answers.

The annual credit card fee is determined according to the local bank policy. Whether there is credit card discount or discount is subject to bank regulations.

Extended data

Knowledge of ICBC's credit card use

Annual fee-free policy: Puka Gold Card swipes the card for 5 times to avoid the annual fee for the following year.

Cash withdrawal fee: 0% of the amount of 65438+, with a minimum of 1 RMB or 1 HKD or 1 USD. The maximum 50 yuan RMB or HK$ 50, US$ 65,438 +00 (including domestic and overseas) (this is the handling fee for withdrawing money from other places). Local banks can withdraw cash freely).

Maximum interest-free period: 56 days.

Multi-account management: independent limit and independent repayment on a single billing day.

References:

Baidu encyclopedia-credit card