Although all banks have credit cards, ICBC, as the largest bank in the universe, has indeed issued the most and most comprehensive credit cards, which is also related to the strong strength of ICBC. Many people want to have an ICBC credit card, but in most people's impression, the credit card of state-owned banks is not so easy to apply for. In fact, ICBC also has a credit card, which is very easy to handle. Let's take a look at them!
1, World Struggle Card
World Struggle Card is one of ICBC's main push cards, which has always had a good card issuance rate and is endorsed by Lang Ping. The face value of the card is quite high, and the colors of the three levels of cards are different. The cards are blue, red and black.
2. Star card
Icbc's constellation card can be said to be the peak of face value. The card designed with the pattern of twelve constellations is also one of the key card types. Needless to say, the card issuance rate is natural. There are also three levels, campus version of Puka, Gold Card and Simple Gold Card.
3, small white card
ICBC also has its own small white card, which is a joint card with JD.COM. You can apply through JD.COM platform or ICBC channel. Generally speaking, as long as you are a frequent visitor to JD.COM, your application will be easily passed.
4. Car plus card
ICBC's car card is more suitable for car owners and can enjoy discounts such as cash back, which meets the basic credit card application conditions of ICBC. Then, if you have a car in your name, you can basically apply, and the card issuance rate is also very high. There are also three grades: ordinary card, gold card and platinum card.
5. Zodiac card
ICBC's Zodiac Card is also a new card that is well known by many netizens. It is said that the card issuance rate is extremely high, and most of the applications have passed, only the first-class gold card is available.
The above five cards are the easiest credit cards for ICBC to apply for. When choosing a card level, you should choose it according to your star rating. Generally, you can choose an ordinary card with about three stars, a gold card with five stars and a platinum card with more than six stars.
Which is better to apply for an ICBC credit card?
ICBC's credit card application conditions are harsh, especially if the assets are not up to standard, so it is easy to be rejected. In fact, ICBC also has some easier cards, and the conditions will be more relaxed. Here, let's take stock of three types.
1. ICBC strives for Lang Ping Credit Card: The credit card endorsed by Lang Ping has three grades: ordinary card, gold card and simple platinum card, all of which are free of annual fee within the validity period, and can provide a three-day grace period for repayment, free of foreign exchange handling fees, and the highest mobile phone insurance is 1990 yuan. As the main credit card of ICBC, the issuance rate of this credit card has been very good.
2. Cosmic Constellation Credit Card: A card with the theme of twelve constellations is a high-value exclusive black card for young people. It has two grades: gold card and simple white card. During the validity period, it can be exempted from the annual fee, and can enjoy the service rights such as 3-day grace period, 0 foreign exchange handling fee, birthday consumption 10 times points, free account security insurance, account security lock and so on. Similarly, as the main card of ICBC, it is easier to pass the next card.
3. ICBC-UnionPay Zodiac Credit Card: With the theme of 12 Zodiac, the card face is designed by Dazhuan+Oracle Bone Inscriptions, which shows the charm of traditional culture. There are two levels of gold card and platinum card, and the annual fee can be reduced conditionally. It can provide three-day repayment grace period, travel inconvenience insurance, account security insurance and other service rights, and the first monthly China UnionPay Express Pass can be obtained free of charge. 12306 The highest discount for ticket purchase is 20 yuan.
These three credit cards are easy for ICBC to handle, but each credit card has several levels. It is best to choose cards according to ICBC's star rating, such as Samsung's ordinary card, five-star gold card and six-star platinum card.
Extended data:
How to handle credit cards:
1. Go to the bank's business outlets, and the bank staff will help you complete the operation;
2. To apply for a credit card at a bank in official website, just search your favorite bank on the computer, such as "Industrial and Commercial Bank of China". After entering, you can see the credit card column, and then follow the prompts to apply for a credit card;
Note that to apply for a credit card, you must be at least 18 years old, have a stable source of payment and have a good credit. These are the conditions that must be met in applying for a credit card. If you don't meet the requirements of the bank, you will be refused to apply for a credit card.
Different credit cards have different specific conditions, most of which need to meet the following conditions:
1. There are certain age requirements for handling credit cards: you must have full capacity for civil conduct, that is, 18 years old and above;
2. Have legal and stable income and good credit;
3. Provide corresponding identification documents: a copy of ID card or military officer's card;
4. Work certification documents. Some banks also need to provide proof of income and financial resources. Financial proof can include a copy of real estate license, a copy of motor vehicle driving license, passbook, etc. Anyway, it is easier for the economy to prove that it depends on the individual's repayment ability;
5. proof of residence, which can be a copy of the household registration book, or a certificate issued by the street, or other certification materials. This is easier to do;
6. There is also an application form for applying for a credit card.
The repayment method is as follows:
1, within the issuing bank
Repayment methods include: issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. The credit card limit will be restored immediately after repayment, and the money will generally be recorded after being processed by the system on the same day.
2. Micro-silver pos mobile phone
Weizhong Bank pos mobile phone is a personal payment terminal of mobile financial system, which can be used for direct repayment and transfer of credit cards. Arrive at the account immediately
3. Transfer/remittance repayment
Mainly divided into two ways: inter-bank in the same city and inter-bank in different places. No matter how to transfer and remit money, the remittance bank will charge a certain fee, and at the same time, the time of payment arrival and the convenience of repayment are not as good as those of peers, online repayment and convenience stores.
4. Online repayment
Common domestic network platforms are: UnionPay Online, Kuaiqian, Shengfutong, Alipay, Tenpay and so on. Choose different platforms and banks, and the charging standards and specific arrival time are different.
Which card of ICBC credit card is easy to handle? These three models are the first choice for getting started.
For card friends, of course, everyone wants to get their favorite credit card quickly, and the most annoying thing about applying for a credit card is being rejected, which affects both efficiency and mood. So there are so many types of credit cards in major banks, how should we choose them? Which credit cards are easy to handle?
1. CITIC Bank Taobao Card can greatly improve the efficiency and success rate by binding customers' Taobao accounts. CITIC Bank's card approval speed has always enjoyed a good reputation among card users. After testing, CITIC Bank's online credit card application will generally be accepted by the bank within 24 hours, which is quite efficient! Now, CITIC Taobao Card is processed through the network, and the first quick payment is reduced to 30 yuan. Don't miss this offer!
2. Guangfa True Love Card, the first exclusive credit card for women in China, is designed with a transparent card version and advocates the concept of "independence, calmness, intelligence and frankness" in women's life. It has the service functions such as triple points plan and self-selected insurance plan, and enjoys many merchant discounts, giving women more personalized choices and more caring services. More importantly, it is simple and quick to handle this card. As long as you provide stable income proof and personal information, there is no obstacle to applying for this card.
3. Guangfa Car Owner Card, specially tailored for private car owners. Provide all-round benefits and services for car owners, customers and their cars. Enjoy the national 100 km free road rescue service, 5 times credit card refueling points or 1% cash back discount, choose high insurance coverage and many other functions and benefits. The application of Guangfa Owner's Card naturally reduces a lot of troubles for many riders ~ When applying for Guangfa Owner's Card, users can greatly improve the success rate of applying for a credit card as long as they provide their own car driving license!
4. New customers of China Merchants Bank QQ co-branded credit card can get a gift of American traveler's fashion shoulder bag over 388 yuan. New card customers only need to swipe their cards three times in two months, and each time they spend 188 yuan, they will get a 388-yuan American traveler fashion shoulder bag. The first cash withdrawal every month is free.
The best card of China Merchants Bank is China Merchants Youth Card, which is one of the most popular and favorite cards for young people. Fresh graduates can apply for small white-collar workers, and college students who have reached 18 can also apply for formal internship contracts. If the maximum withdrawal amount of 100% credit line is not enough, the first withdrawal fee will be added free of charge every natural month!
6. Ping An Bank's credit card is very grounded, such as the owner's card dedicated to the owner, the standard card for supermarket shopping, the platinum card discount at the airport, and direct access to the cinema. Card promotion covers food, fitness, entertainment, shopping and so on. The most sought-after and easy-to-handle credit card.
Let's stop here for a good introduction of ICBC credit cards.