Credit card limit of ICBC (what is the general credit card limit of ICBC)

What is the general credit card limit of ICBC?

ICBC credit cards have different credit lines according to different card types.

1. ICBC's credit card is divided into three grades, and the amount is different according to different card types:

1) The credit card limit of Puka is below 10000 yuan;

2) The credit line of the gold card is between 10000 yuan and 50000 yuan;

3) The credit limit of a platinum card is generally more than 50,000 yuan.

2. ICBC credit card quota promotion needs to meet the following conditions:

1) ICBC's credit card limit upgrade requires user activation for more than half a year (180 days or six orders), and ICBC credit card holders can apply to the credit card center for credit card limit upgrade.

2) For the first withdrawal, the card needs to be used for more than half a year, and it is normally used (generally, the average monthly consumption is required to be above 30%/ limit) and there is no bad record in the last 6 months. Peony credit card has a fixed amount and does not provide adjustment service.

3) In addition, the repayment credit status without bad records within half a year is only the basic condition for ICBC to increase the credit card limit. Whether the withdrawal can be successful and how much the amount can be increased depends on the average monthly consumption amount and consumption type of the cardholder.

1. Advantages of ICBC Credit Card:

1) greatly reduces the operating costs of banks and effectively improves the profitability of banks. Online banking mainly uses public network resources, without setting up physical branches or business outlets, which reduces personnel costs and improves the efficiency of bank back-office systems.

2) It has both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers.

3) It is conducive to service innovation and provides customers with diversified and personalized services. Selling financial products such as insurance, securities and funds through bank outlets is often greatly restricted, mainly because it is difficult for ordinary outlets to provide customers with detailed and low-cost information consulting services.

4) nationwide accessibility. You can withdraw money or spend money by credit card at ATM and POS machines with UnionPay logo.

5) Free choice of two currencies for one card. ICBC's credit card is universal, and consumption abroad can repay in RMB.

What is the credit card limit of ICBC?

ICBC credit cards are divided into three grades. Depending on the type of card, the amount is different:

1, and the credit card limit of Puka is less than 10000 yuan;

2. The amount of gold card credit card is between 10000 yuan and 50000 yuan;

3. The credit limit of platinum card is generally more than 50,000 yuan.

Extended data:

1. The following conditions shall be met for the promotion of ICBC's credit card limit:

1. ICBC's credit card limit needs to be activated by users for more than half a year (180 days or six bills), and ICBC credit card holders can apply to the credit card center to increase the limit.

2. For the first withdrawal, you need to use the card for more than half a year, and it is in normal use (generally, the average monthly consumption is required to be above 30%/ limit) and there is no bad record in the last 6 months. Peony credit card has a fixed amount and does not provide adjustment service.

3. In addition, the repayment credit status without bad records within half a year is only the basic condition for ICBC to increase the credit card limit. Whether the withdrawal can be successful and how much the amount can be increased depends on the average monthly consumption amount and consumption type of the cardholder.

Second, ways to increase the credit limit:

1, frequent use of Bank of Communications credit card, regardless of the amount, as long as you can swipe your card, you will definitely spend. You really need to swipe your card more, because the multi-card system will think that credit cards are your daily necessities;

2. It is best to generate bills and spend at least 30% of the total amount every month. That was not the case. With more credit cards, banks will indeed make more money. However, if your consumption does not match your income, the bank will think you are very risky;

3. Pay attention to the withdrawal time. It is most effective to apply on the accounting day or when the card has just been maxed out.

4. The bill for credit card consumption needs to last for 3 months without interruption, that is, there must be consumption every month. It has a great effect on the previous increase.

5. Put an end to bad credit card records and repay on time. If you can't repay in full, you should also repay the minimum repayment amount on time and pay interest.

Generally speaking, the credit card limit of commercial banks is higher than that of state-owned banks. Common commercial banks include China Merchants Bank, China Everbright Bank and China CITIC Bank, while state-owned banks include Industrial and Commercial Bank, Agricultural Bank, China Bank and China Construction Bank. However, the credit card limit does not depend on the bank, but on the applicant's own conditions and application materials.

What is the general credit card limit of ICBC?

According to the type of credit card, the credit card limit of ICBC can be divided into the following three situations:

1. ICBC credit card ordinary card: the amount is below 1 ten thousand yuan;

2. ICBC credit card gold card: the amount is between 654.38+0,000 yuan and 50,000 yuan;

3. ICBC Credit Card Platinum Card: The amount is between 50,000-65,438+10,000 yuan. If you have used the ICBC credit card for more than half a year, and there is no bad record during the use period, the cardholder can apply to ICBC for withdrawal, and the bank will judge whether to approve the withdrawal according to the cardholder's credit card usage.

Brief introduction of China Industrial and Commercial Bank:

Industrial and Commercial Bank of China (ICBC) was established in June 1984 65438+ 10/. The head office is located at 55 Fuxingmennei Street, Beijing. It is a large state-owned bank managed by the central government and one of the four largest banks in China.

China Industrial and Commercial Bank Credit Card

ICBC credit card is the credit card with the highest circulation in China. The main types of ICBC credit cards are: Peony International Credit Card, Peony Credit Card and Peony Credit Card; ICBC credit cards are divided into: Peony Visa Card, Peony MasterCard and Peony American Express Card by brand; According to the credit rating, it is divided into: platinum card, gold card and ordinary card; According to the issuing object, it is divided into business cards and personal cards, in which personal cards are divided into main cards and auxiliary cards.

Peony quasi-credit card is a quasi-credit card issued by Industrial and Commercial Bank of China. The cardholder deposits a certain amount of reserve fund according to the regulations. When the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the specified credit limit. Peony quasi-credit card can be used in China, Macau, China, China, and UnionPay acceptance points in Thailand, South Korea, Singapore and other countries for settlement, and has the functions of transfer settlement, cash deposit and withdrawal, credit consumption and so on. This peony quasi-credit card is a quasi-credit card with China characteristics, which has no precedent in other countries in the world. The appearance of this quasi-credit card is a reflection of the imperfection of China's credit system. Peony quasi-credit card has stopped issuing. Peony Credit Card and Peony International Credit Card, which truly meet the needs of the public, are the development direction.

What is the general credit card limit for industry and commerce?

ICBC credit cards are divided into three grades. Depending on the type of card, the amount is different:

The credit card limit of Puka is below 10000 yuan;

Gold card credit card limit is between 10000 yuan and 50000 yuan;

Platinum card credit card limit is generally more than 50000 yuan.

Credit card refers to various 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.

ICBC credit card quota promotion needs to meet the following conditions:

ICBC credit card limit needs to be activated by users for more than half a year (180 days or six orders), and ICBC credit card holders can apply to the credit card center for withdrawal;

For the first withdrawal, you need to use the card for more than half a year, and it is in normal use (generally, the average monthly consumption is required to be above 30%/ limit) and there is no bad record in the last 6 months. Peony credit card has a fixed quota and does not provide quota adjustment service;

In addition, the repayment credit status without bad records within six months is only the basic condition for ICBC to increase the credit card limit, and whether the withdrawal can be successful and how much the limit can be increased depends on the cardholder's monthly consumption amount and consumption type.

The main features of credit cards:

1. Credit card is one of the fastest-growing financial services, and it can replace the traditional cash circulation in a certain range.

2. Credit card has both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers;

Credit card is a high-tech product integrating financial business and computer technology.

4. Credit cards can reduce the use of cash and currency;

5. Credit card can provide settlement service, which is convenient for shopping and consumption and enhances the sense of security;

6. Credit cards can simplify the collection procedures and save social labor;

7. Credit cards can promote commodity sales and social needs.

In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, a legal person can also be an applicant.

The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed.

Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.