How about a business credit card?

Among ICBC credit cards, Platinum Credit Card is the best and has the highest credit limit. The maximum credit limit of users can be as high as 200,000 to 6,543.8+00,000, which is several times higher than that of ordinary credit cards, because the credit limits of ICBC's ordinary credit cards and gold cards are usually below 50,000 yuan, while those of ordinary credit cards rarely reach tens of thousands of yuan, while those of platinum cards are usually above 5 yuan.

Platinum credit cards in ICBC credit cards belong to a higher level, and cardholders can enjoy many exclusive benefits and services, but the annual fee of platinum credit cards is generally higher. For example, ICBC's platinum credit card has a maximum amount of 200,000 yuan and an annual fee of 2,000 yuan, and it must be swiped 200,000 yuan every year before it can be reduced or exempted.

The above is the answer to which credit card of ICBC is high. I hope I can help you. There are many types of credit cards in ICBC, and the amount of credit cards is also estimated according to the types and user qualifications. It depends on the detailed data when you apply for the card.

Among ICBC's many credit cards, relatively speaking, ICBC's platinum credit card has a higher quota. At present, the general credit card limit of ICBC is 0-50 thousand yuan; The gold card amount is 15000-50000 yuan; The amount of a platinum card is more than 50,000 yuan. Platinum card not only has a high amount, but also enjoys many rights and interests.

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I. Types of Credit Cards of Industrial and Commercial Bank of China

Credit cards are usually divided into different categories according to different brands, different objects and different grades. Let's take a concrete look at the types of credit cards of ICBC.

1. ICBC credit cards are divided into: Peony Visa Card, Peony MasterCard and Peony American Express Card by brand;

2. According to the credit rating of ICBC credit cards, they are divided into platinum cards, gold cards and ordinary cards;

3. According to the issuing object of ICBC credit card, it is divided into business card and personal card, in which personal card is divided into main card and auxiliary card.

4. According to the currency of ICBC credit card account, it can be divided into RMB card, dual-currency card and multi-currency card.

Two. Icbc credit card limit

The credit limit of any credit card is that the bank scores the applicant's application conditions, application materials and credit records, and gives the applicant a certain amount according to the corresponding score. Generally speaking, the ordinary card amount is 3000~ 10000, the gold card amount is 10000~50000, and the platinum card amount is more than 50000. How much you can get in the application depends on your comprehensive strength.

What are the advantages of ICBC credit card?

Advantages: 1: All local banks of ICBC credit cards are free of handling fees;

Advantage 2: ICBC has many outlets, and the card types meet the needs of all kinds of people;

Advantage 3: There are three options for consumer passwords: no password is required for all transactions; All transactions require a password; A password is required for transactions exceeding the limit.

Advantage 4: All ICBC credit cards are charged on a natural monthly basis, which is easy to remember.

Advantage 5: ICBC has a variety of credit cards, including quasi-credit cards, RMB credit cards and dual-currency credit cards (USD, EUR, HKD); VISA, MASTER, AE and UnionPay standard cards are available.

Is the credit card of China Industrial and Commercial Bank good?

ICBC credit card is the credit card with the highest circulation in China. China Industrial and Commercial Bank is a large state-owned bank managed by the central government, and it is a national deputy ministerial unit. The basic task of ICBC is to raise social funds through domestic and foreign financing activities, strengthen the management of credit funds, support enterprise production and technological transformation, and serve China's economic construction in accordance with national laws and regulations. 20 17 February, BrandFinance released the list of the top 500 global brands in 20 17, and ICBC ranked 10th. On June 20th, 20 18, the analysis report of China's 500 most valuable brands was released, and ICBC ranked fourth. 20 18 In July, Banker magazine released the list of 2065 438+0008 Global Banks 1000, and ICBC ranked first. 20 18 ranked 26th in the Fortune Global 500. 20 18 12 18 was published in the "Top 500 20 18 World Brands" compiled by the World Brand Lab, and ICBC ranked 43rd. 2065438+On June 26th, 2009, eight banks, including China Industrial and Commercial Bank, took the lead in online enterprise information networking verification system.

1. ICBC credit cards mainly include: 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.

Constellation credit card (hereinafter referred to as "Constellation Card") is divided into two levels: simple platinum and gold. The design of the card surface is the same, which is distinguished by the background color of the card surface. Black is simple platinum, and red is gold. Among them, the simple platinum card enjoys the rights and interests of VISA Platinum Card and UnionPay Platinum Card, as well as all the rights and interests of the bank except for travel insurance such as airport VIP room, high-speed rail VIP room, aviation accident insurance and travel inconvenience insurance.

Star card "1 1" business card: UnionPay single-currency card (magnetic stripe PBOC non-networked chip card) is used in China, and VISA single-currency card (magnetic stripe EMV non-networked chip card) is used abroad. 2. Card-to-account docking supports the payment methods of "swipe card, insert card, wave hand and scan code". Payment at home and abroad is smooth. (Note: Star Card does not support transactions in the form of daughter cards, nor does it support transactions in the form of daughter cards of other credit cards under Star Card. )

2. Credit cards, also known as credit cards, are credit certificates issued by commercial banks or credit card companies to eligible consumers. It is in the form of a card, with the issuer's name, expiration date, number, cardholder's name and other contents 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 limit.

The credit card stipulated in the relevant laws of China (Interpretation of the NPC Standing Committee on the Provisions on Credit Cards in the Criminal Law of People's Republic of China (PRC)) refers to the electronic payment card issued by commercial banks or banks. Other electronic payment cards with the functions of full or partial consumption payment, credit loan, transfer settlement, cash deposit and withdrawal, etc.

How about ICBC credit card?

All right.

ICBC Credit Card has the following advantages: ICBC Credit Card is the best credit card in China, which can enjoy a maximum interest-free period of 56 days, and local withdrawals are free of cash withdrawal fees and handling fees. Moreover, ICBC has many business outlets, which can withdraw cash from any bank in China, and supports organizations such as Visa International, MasterCard and American Express Bank, as well as POS card swiping services in any store.

1. ICBC's credit card withdrawal is equivalent to debit card and savings card, and no extra handling fee will be charged for the withdrawal amount.

2. ICBC credit cards have card issuers all over the country, which is convenient to apply and fast to issue cards. You can apply online and open the card immediately after you get it. It usually takes no more than 2 weeks from sending an email to receiving a greeting card.

3. All domestic transactions will be recorded in real time, and the points will be queried in real time, with high efficiency.

4. If the account is not overdrawn, the withdrawal is interest-free. And it can be taken out on the same day, which is convenient and fast.

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.

ICBC credit card application conditions are:

1. You must meet the age requirement of 18 to apply for an ICBC credit card.

2. Applying for an ICBC credit card requires a stable job and a legitimate source of income.

3. If the applicant has a high position, high education, high income and good company, the pass rate of applying for ICBC credit card can be greatly improved.

4. Applying for an ICBC credit card also requires a certain economic foundation.

5. If you want to apply for a credit card with a higher credit card rating of ICBC, the applicant needs to provide certain financial certificates to the bank, such as stock securities, real estate license with the applicant's name on it, automobile driving license, bank deposit certificate, etc.

6. To apply for an ICBC credit card, you need to be a natural person with full civil capacity.

7. There is another necessary condition. Applicants need to have good personal credit information, because ICBC pays more attention to the personal credit information of cardholders.

How about ICBC credit card?

Advantages of ICBC:

1 Local cash withdrawal fee is unconditionally free (unique)

2 Cash withdrawal, cash installment and credit loan fees/interest are the lowest (at least one), which does not affect the cash withdrawal amount. In some areas, fees can be charged by stages, and no subsequent fees will be charged after prepayment, and there is no penalty interest. Cash installment can be cancelled on the same day.

2. The minimum repayment amount is not full penalty interest (only once)

3 The starting point of bill installment is low (the total amount of RMB bill exceeds that of 600 yuan), and the handling fee is low.

4 long interest-free period (up to 56 days)

Free SMS reminder (for financial customers, some areas provide 5-star service)

6 There are basically no sales calls, few risk control calls, and a large number of credit cards are brushed, and the risk control is almost the loosest.

Starting from the second card, cards of the same level can choose independent accounts or enjoy accounts with multiple cards. The latter is similar to the China Merchants Bank system, and the account is enjoyed. However, the annual fee waiver of each card in China Merchants Bank system must be counted separately. For example, the UnionPay gold card of 10 needs to be swiped six times per card to avoid the annual fee, while ICBC only needs to swipe the card of 10 five times.

8. All the cards that have been downloaded are approved in batches of 100% seconds, 100% will not be checked for credit information, and 100% will not be published in newspapers. (only one)

9. The annual fee-free Platinum Card will be launched from time to time (during the promotion period of the Diner Platinum Card, the annual fee will be exempted during the validity period, and the next single-label Platinum Card will be unconditionally exempted. Many regions have applied for global annual fee-free platinum cards. In some regions, the annual fee of platinum cards can be exempted by purchasing financial applications, and all platinum cards can enjoy VIP services at airports and high-speed rail for unlimited times.

10 You can apply for manual cash withdrawal at least once a month from the card opening. After the recommended limit of the system is exceeded, the withdrawal range of low-value cards is often 5-10 times, and the withdrawal range of tens of thousands of cards is often 1W to several w.

1 1 Some types of cards are opened during the promotion period (about one year), and the annual fee is free for life.

12 convenient for instant repayment of consumption. At this time, you can manually purchase foreign exchange for repayment.

There are three kinds, which are advantages for some people and disadvantages for others, depending on the demand.

According to the standard of 1, all currency conversion fees for universal multi-currency cards are free. 10 currency is recorded in local currency and can be repaid directly (if it is a dual-currency card with US dollars, I obviously have pounds, so I have to convert pounds into US dollars when I swipe my card, and then buy US dollars to repay it, which will lead to two exchange rate losses, so multi-currency cards can be repaid directly in pounds without any exchange rate losses), and the repayment of foreign exchange purchases is not subject to real.

The repayment order is interest first, then interest-free, that is to say, cash withdrawal first, then bill.

3 The withdrawal amount mainly depends on the stability of work income, assets (and liabilities), and the protection fee is not very important for cards with at least 10W. Except in a few areas, it is not difficult to withdraw money from 20W to 10W, and it is not difficult to withdraw money from 10W to 5W. Even if it is only a few hundred per month, most of them are paid online at 0.38.

How about ICBC credit card?

ICBC is a state-owned enterprise. China Industrial and Commercial Bank is a state-owned bank, which is a large bank directly managed by the Ministry of Finance. It is also one of the four largest banks in China, with a relatively strong customer base. Its main operation mode is to unify the management system of commercial banks authorized by legal persons, and its main goal is to achieve development and stability and improve economic benefits.

ICBC can provide 24-hour online telephone service. If you have any questions, you can call online customer service at any time to solve them. But also provides electronic and paper reconciliation services, which can bring great convenience to customers.

The advantages of ICBC credit card are:

1. Interest-free day. The longest interest-free days of ICBC reach 56 days, so you can provide more days for your repayment.

Second, SMS reminder. When handling credit card customer service in ICBC, if the arrears on your card are due, the system will send a free text message to remind everyone to repay in time. In order to avoid being too busy to pay back the money, there will be more overdue fines on the bill.

Third, it can be repaid automatically. ICBC has its own software, on which you can set which card to use to automatically return when the credit card expires, so that you don't have to go to the bank to deposit money and pay back the money, just bind it directly with the savings card.

Fourth, enjoy the points. When credit card consumption will save points for customer service, points can be used for consumption and shopping, so when everyone has enough points, they can collect items according to points on the network software platform.

Five, provide 24-hour service telephone. All questions about ICBC have a 24-hour service telephone number. When you have questions about ICBC, you can call the manual service number.

Is ICBC credit card easy to use?

ICBC credit card is quite easy to use. If it is an ordinary card (Puka/Gold Card), you can avoid the annual fee as long as you spend it five times a year.

However, if it is the first time to use the card, you must first understand the repayment situation of the credit card, otherwise it will easily lead to overdue repayment, which will not only cost you more money, but also affect your credit. (Shizuka said card A)

As long as you take the time to understand clearly, credit cards are definitely a good thing.

This is the end of the introduction on how to use industrial and commercial credit cards and how to increase the amount of industrial and commercial credit cards. I wonder if you have found the information you need?