What are the requirements for ICBC's black card processing?

Taking the black card of CCB as an example, the following conditions are generally required for handling:

1. The applicant has reached the age of 18 and has full capacity for civil conduct;

2. It has assets of more than 5 million yuan in China Construction Bank;

3. The applicant has a good credit record and no overdue record. Black cards are black, and the overdraft limit is between 3 million and 6 million. Although it is called unlimited credit card, there is still an upper limit on the fixed amount of the card. According to the credit qualification of the cardholder, the actual amount of the card will be different.

What is the level of bank black card?

1, the black gold card is a VIP card of the bank, with the highest level.

2. Black cards do not preset consumption limits, and the threshold of black cards of each bank is different. Take Hang Seng Bank as an example. There are several requirements for cardholders. First of all, you must have more than $6.5438+0 million in current assets. Second, you need to get an invitation letter from the bank. Besides Hang Seng, uob, American Express and Citibank also have black cards.

3. The black card belongs to the invitation system and cannot be handled with money. The bank will invite guests with a certain social reputation to handle it, "the chairman of a listed company, etc." . Moreover, you can't do it with money, you can do it at the invitation of the bank!

Legal basis:

People's Republic of China (PRC) Commercial Bank Law

Twenty-ninth commercial banks should follow the principles of voluntary deposit, freedom of withdrawal, interest-bearing deposit and confidentiality for depositors when handling personal savings deposit business.

Commercial banks have the right to refuse any unit or individual to inquire, freeze or deduct personal savings deposits, except as otherwise provided by law.

Article 30 A commercial bank has the right to refuse any unit or individual to inquire about unit deposits, except as otherwise provided by laws and administrative regulations; Have the right to refuse any unit or individual to freeze or deduct, except as otherwise provided by law.

Article 31 A commercial bank shall determine the deposit interest rate according to the upper and lower limits of the deposit interest rate stipulated by the People's Bank of China and make an announcement.

Article 32 A commercial bank shall, in accordance with the provisions of the People's Bank of China, deposit a deposit reserve with the People's Bank of China, and keep sufficient reserve funds.

Article 33 A commercial bank shall guarantee the payment of deposit principal and interest, and shall not delay or refuse to pay deposit principal and interest.

Article 34 Commercial banks should conduct loan business according to the needs of national economic and social development and under the guidance of national industrial policies.

Article 35 A commercial bank shall strictly examine the borrower's loan purpose, repayment ability and repayment method.

Commercial bank loans shall be subject to the system of separating loan review from grading approval.

Article 36 When a commercial bank lends money, the borrower shall provide guarantee. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral, and the feasibility of realizing collateral.

After examination and evaluation by a commercial bank, it is confirmed that the borrower has a good credit standing and can repay the loan, and no guarantee may be provided.