I. Introduction of ICBC Credit Card
According to the cardholder&;s income and credit standing, ICBC has approved the maximum amount that can be used for overdraft consumption and cash withdrawal, and the cardholder can be recycled within the validity period of the card. The “a of multiple ICBC international cards of a cardholder is independent of each other, and the “a of an ICBC international card and the foreign currency “a are also independent of each other. When the “a is used up, the foreign currency “a is still there; Similarly, the foreign currency “a is used up and the “a is still there. In some cases, credit card swiping in mainland China will also use foreign currency accounts for bookkeeping and use foreign currency “as.
In general:
The lines of all quasi-credit cards (Peony Credit Card, beginning with 45806, 53098 and 62221) of the same cardholder are shared;
All credit card lines beginning with 4518 of the same cardholder are shared;
All credit card lines beginning with 62223 of the same cardholder are shared;
Credit card lines beginning with 4 and beginning with 6 are not shared.
Second, how to improve the credit line of ICBC.
(1) Adjustment of temporary credit line of ICBC.
When using the ICBC credit card, if it is found that the approved credit limit is not enough, you can call the 24-hour customer service hotline 95588 to contact the customer service specialist to apply for a temporary increase in the credit card limit. Generally, it takes at least 3 months to hold a card before you can ask for an increase in the amount. International cards can increase the temporary limit by 10% through the self-service of international cards in 95588-6 or online banking, and the validity period is one month. Self-service withdrawal can only be used once every 3 months.
(II) Adjustment of long-term credit line of ICBC
Cardholders can submit the latest proof of financial income to any branch of ICBC and apply for it. ICBC will review it according to its past card use history and repayment records, and adjust the credit card limit for cardholders after passing the review.
(3) Automatic credit line upgrade plan for popular credit card customers.
In order to meet the demand of credit card customers, ICBC has recently launched an active credit adjustment service. If Peony Credit Card and Peony Quasi-Credit Card customers meet the following standards and have no bad credit history, the system will automatically upgrade the credit limit:
1. The credit limit can be adjusted to 500 yuan if it is not less than 3 months after the account is opened and the accumulated consumption is above 500 yuan (inclusive);
2. The credit line can be adjusted to 1000 yuan at least 3 months after reaching the level of 500 yuan credit line and the accumulated consumption of 500 yuan (inclusive) or above;
3. The credit line can be adjusted to 2,000 yuan at least 3 months after reaching the level of 1000 yuan credit line and the accumulated consumption of 500 yuan (inclusive).