How about the ICBC Platinum Credit Card?
The Platinum Credit Card among ICBC credit cards is the best, with the highest limit. The maximum limit for users can be as high as 200,000 to more than 1 million. Compared with ordinary cards, the limit is several times higher. times, because the credit limit of ICBC credit card regular and gold cards is usually less than 50,000 yuan, and the credit limit of ordinary cards rarely reaches tens of thousands of yuan, while the credit limit of platinum cards is usually more than 5 yuan.
The platinum credit card among ICBC credit cards is a higher-level type. Cardholders can enjoy many exclusive benefits and services, but the annual fee of platinum credit cards is generally high. For example: ICBC's platinum credit card has a maximum limit of 200,000 and an annual fee of 2,000. You must swipe the card every year for 200,000 to be exempted.
The above is the answer to which ICBC credit card limit is higher. I hope it can help you. There are many types of ICBC credit cards, and the limit is estimated based on the type and the user's qualifications. The specific information depends on the detailed data when applying for the card.
Among the many credit cards of ICBC, the Platinum Credit Card of ICBC has a relatively higher limit. At present, the ICBC credit card limit is 0-50,000 yuan for regular cards; the gold card limit is 15,000-50,000 yuan; and the platinum card limit is more than 50,000 yuan. The Platinum Card not only has a high limit, but also has many benefits.
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1. Types of ICBC credit cards
Credit cards are usually divided into different categories according to different brands, different objects, and different levels. Below we Let’s take a closer look at the types of ICBC credit cards.
1. According to the brand of ICBC credit cards, they are divided into: Peony Visa Card, Peony MasterCard and Peony Express Card;
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 issuance objects of ICBC credit cards, they are divided into: business cards and personal cards, of which personal cards are divided into main cards and supplementary cards.
4. According to the currency of ICBC credit card account, it is divided into: RMB card, dual-currency card and multi-currency card.
2. ICBC Credit Card Limit
The limit of any credit card is scored by the bank based on the applicant’s application conditions, application materials, credit record, etc. The score gives the applicant a certain limit. Generally speaking, the limit for the regular card is 3,000~10,000, the limit for the gold card is 10,000~50,000, and the limit for the platinum card is more than 50,000. The specific amount of quota you can get during your application depends on your overall strength.
What are the advantages of ICBC credit cards?
Advantage 1: For all ICBC credit cards, local bank cash withdrawals are free of charge;
Advantage 2: ICBC’s There are many outlets, and the types of cards meet the needs of all types of people;
Advantage 3: The consumption password can be selected in three ways: no password is required for all transactions; a password is required for all transactions; a password is required for transactions above the limit
Advantage 4: All ICBC credit cards have natural monthly accounting, which is convenient for memory
Advantage 5: ICBC’s credit cards are rich in types and have a wide range of choices - quasi-credit cards, RMB credit cards , dual-currency credit cards (US dollars, euros, Hong Kong dollars); VISA, MASTER, AE, and UnionPay standard cards are available.
How about ICBC Platinum Credit Card? What types are there?
The Peony Platinum Credit Card (UnionPay standard) is the first domestic standard-compliant chip platinum card jointly issued by ICBC and China UnionPay. It uses a standard chip, which greatly improves product security.
The Premium Platinum Credit Card (UnionPay brand) is the first domestic UnionPay brand Premium Platinum Credit Card product jointly issued by ICBC and China UnionPay, providing cardholders with a higher level of service and more comprehensive service content. Value-added services allow you to enjoy supreme treatment and live a supreme life.
The Peony Platinum Credit Card (Visa brand) is the first dual-currency platinum credit card in mainland China that meets EMV standards in cooperation with ICBC and VISA International. The use of EMV standard chips has greatly improved the product’s Security.
Peony Platinum Credit Card (MasterCard brand) is a high-end credit card issued by ICBC for high-quality customers. It spreads elite culture, highlights the connotation of high-quality products, provides exquisite services, and enjoys a wonderful life exclusively, allowing you to get real benefits through using the card. Platinum experience.
The Peony Platinum Credit Card (American Express brand) is the first American Express-branded platinum credit card product in mainland China in cooperation with ICBC and American Express. This product has become a top credit card with high value-added privileged services and extraordinary experience. A new benchmark in products.
ICBC American Express Centurion Platinum Card is a high-end RMB/USD dual-currency credit card specially designed by ICBC for elites from all walks of life. In addition to enjoying various benefits and rights of ICBC Platinum Card, cardholders can also You can also enjoy various specially selected American Express Centurion benefits, including participation in exclusive and private salon activities, global travel discounts and global golf discounts.
How about ICBC’s super discounted and simple Platinum Dragon Card?
ICBC’s super discounted and simple Platinum Dragon Card is good. With a high credit limit, you can enjoy special value-added services with higher service levels and more comprehensive content. After reaching a certain point, you can enjoy the VIP channel at the airport.
ICBC Longka IC Platinum Credit Card is a new UnionPay standard chip credit card launched by Industrial and Commercial Bank of China. It has all the financial functions of traditional magnetic stripe credit cards and the benefits of ICBC UnionPay Premium Platinum Credit Card. It also provides cardholders with higher security. flexibility, more functional services, and better user experience.
What about the Industrial and Commercial Platinum Credit Card?
1. The ICBC Platinum Digital Credit Card has the same functions as a physical credit card and is used to bind payment platforms, such as Union Quick Pass, Alipay, and WeChat cards. For consumption, digital credit cards can also be used to withdraw money. You can also enjoy shopping mall gift certificates, instant recharge discounts, and 1 yuan parking platinum rights.
2. If the ICBC credit card cannot be returned on time after use, penalty interest will be incurred. The longer the time, the more you will find. Moreover, overdue repayment will also increase the credit score, affecting the borrower's future credit services and credit card use. The resulting bad credit record will be kept for five years and will disappear after five years.
1. Since the card is sent by mail after the credit card application is approved, there is no guarantee that the recipient is the applicant. In order to protect applicants and banks from fraud losses, the credit card has set up a card opening procedure before it is officially launched. The card opening process is mainly done by phone or online. The relevant personal information provided during the application is checked. Once the information is met, the card opening process is completed. At this point, the applicant becomes the card holder and can officially start using it after signing on the back of the card. After opening a credit card, you generally need to set up a password for the card
2. Swiping your card at the POS machine is the most common way to use a credit card, and it is a way of swiping your card online. When swiping a card, the operator should first check the credit card's validity period and cardholder's last name and other information. Then, select the corresponding POS machine according to the card issuing bank and the currency type to be paid, and slide the magnetic stripe of the magnetic stripe credit card on the POS machine, or insert the chip credit card into the card slot, connect to the bank, etc. for payment, and enter the corresponding amount. After the remote payment accepts the information, the POS will print out a receipt for the card payment (at least two copies). The cardholder should sign the receipt after checking that the information on the payment receipt is correct. After the operator checks the signature on the receipt and the signature on the back of the credit card (including that the name completely matches and the handwriting basically matches), the operator gives the credit card and a copy of the card payment receipt to the cardholder. At this point, the card swiping procedure on the POS machine is completed.
How about the ICBC Platinum Digital Credit Card
It is very good. The ICBC Platinum Digital Card is different from traditional credit cards. First of all, it eliminates the cumbersome application process. When users apply for traditional credit cards, they must either go to a bank or apply online, which is very time-consuming and labor-intensive. If you miss some information or fill in the wrong information, you will have to take time to apply again. Even if the user chooses to apply online, after approval, he or she has to go to the bank to handle it or wait for someone from the bank to come to handle it.
1. Enjoy rights and interests: According to ICBC’s official customer service answer, after activating and binding Cloud QuickPass, cardholders can receive free coupons from China Resources Vanguard, FamilyMart, Walmart, Yonghui, and Carrefour. One RMB 10 consumption coupon for each convenience store; cardholders who successfully apply for insurance can receive free theft loss insurance with a maximum insured amount of RMB 30,000. Cardholders who spend 6 days in the country every quarter and have at least one 20-yuan UnionPay QR code scanned transaction every day can receive any one of the four membership benefits of JD.com PIUS, Tencent Video, Zhihu Selection, and KEEP. . In addition to these, ICBC Platinum Digital Card cardholders can also receive multiple benefits such as Yicang Art Museum ticket discounts, cross-border payment cash rebates, and "Excellent Plan" discounts.
2. Development of Industrial and Commercial Bank of China: Through more than 21,000 domestic institutions, 100 overseas branches and thousands of agency banks around the world, Industrial and Commercial Bank of China provides leading information technology and electronic networks to more than 800 banks. Ten thousand legal person customers and more than 100 million individual customers provide a full range of financial services in domestic and foreign currencies, including wholesale, retail, electronic banking and international business. As of the end of 2004, the company had more than 3,700 cash management contract customers and provided cash management services to 19,600 upstream, downstream or affiliated units of these customers; the number of personal consumer credit customers was 3.97 million, with a loan balance of 483.9 billion yuan; personal financial business The total number of customers of the high-end product-Elite Club account exceeds 1.24 million.
3. Major events of ICBC: After the "5.12" Wenchuan earthquake in 2008, ICBC responded quickly and calmly. While doing its best to organize its branches in the disaster-stricken areas to rescue themselves and resume business, ICBC , actively provided all-round financial support for earthquake relief and post-disaster reconstruction, and fulfilled the social responsibilities of a large bank in times of crisis. ICBC institutions at all levels and its cadres and employees also actively extended a helping hand and showed love to the people in the disaster-stricken areas. They donated a total of 141 million yuan to the disaster-stricken areas (including 88.69 million yuan donated by domestic and foreign employees) and paid special party dues of 53.05 million yuan. The financial institution that donated the most during this earthquake relief effort.
That’s it for the introduction of ICBC Platinum Credit Card.