As we all know, the higher the star rating of ICBC, the better, but it is not clear why. Today, I will mainly introduce to you what five-star customers of ICBC have and what services and rights they can enjoy.
ICBC's five-star customers need a star point value of 2000 to 10000. If your star score is not enough and your star rating is low, you can increase the star score by accumulating the comprehensive business volume of ICBC, including handling deposits, loans, purchasing wealth management products and spending more on credit cards.
Increasing knowledge: understanding
Icbc star standard is the basis for you to fully enjoy your rights and interests!
As long as you meet the five-star customer standards, you can enjoy the following services and rights:
1, apply for financial gold card.
This is what many customers are looking forward to, and the card enjoys many fee reductions, such as production cost, annual fee, account management fee, free off-site counter deposit and so on. In addition, wealth management gold card customers can enjoy a number of exclusive services such as "exclusive VIP channel", "wealth management services", "exclusive wealth management products", "professional account management" and "exclusive wonderful activities".
2. Assign credit card gold cards
ICBC issues credit card gold cards to five-star customers, which is desirable for many people who have overdraft consumption needs. However, don't expect too much in terms of quotas. The standard of approval amount depends on personal credit, ranging from 5000 to 50000.
3. Automatic credit line
ICBC will provide personal consumption credit loans to five-star customers, although the specific amount depends on different people's credit situation and local ICBC policies, which also provides customers with better financing services.
4. Preferential fees for formalities
1) remittance through train: the handling fee is 1% of the remittance amount, with a 50% discount for the lowest 2 yuan and the highest 50 yuan;
2) Personal deposits in different places: a handling fee of 0.5% of the deposit settlement amount is charged, with the lowest 2 yuan and the highest 100 yuan, and customers who have applied for a wealth management account card are free.
One mountain is as high as the other. If you want to brush the stars quickly, you can get your star rating by going up a storey still higher. These methods can help you! Fast star expansion channel
These are the services and benefits that ICBC's five-star customers can enjoy, whether you need financial services or credit card overdraft consumer demand, as long as your star rating in ICBC is high enough. Credit card application
What are the five-star services of China Industrial and Commercial Bank's bank card?
China Industrial and Commercial Bank's five-star services include:
Mainly through VIP wealth management center, online banking VIP edition, 4006695588 VIP service line, mobile banking (WAP), self-service bank and other channels to provide five-star customers with "six-specialty" services for wealth management accounts, automatic credit granting services for personal consumption credit loans, and related business rate concessions.
Five-star customers can also try to apply for the China Industrial and Commercial Bank Credit Card Gold Card.
The "six characteristics" services of wealth management account include:
1. VIP exclusive channel,
2. exclusive fee concessions,
3. Expert financial services,
4. For wealth management products,
5. Professional account management,
6. Exclusive exciting activities.
In 1990s, ICBC took the lead in launching a unified telephone banking service in China, and successfully established a good service image of ICBC's telephone banking.
ICBC's 95588 customer service hotline serves corporate and private customers. Whenever and wherever, citizens can easily enjoy a series of convenient, fast, 24-hour, 365-day, all-weather financial services provided by banks as long as they call the phones around them.
Answer the business outlets and business hours first.
Second, answer the related business of telephone banking and online banking.
Third, answer the credit card business consultation.
Fourth, answer the decision-making consultation.
What is the credit card limit of ICBC's five-star customers? The kcal approval method is here!
ICBC's five-star customers are high-quality customers and can enjoy better financial services than ordinary customers, especially in credit card processing. Five-star customers can apply for ICBC credit card gold card. So some people want to know how many credit cards a five-star customer can handle. Let me give you a brief introduction.
What is the credit card limit of ICBC's five-star customers?
The amount of ICBC credit card gold card is above 10000 ~ 50000, and the specific amount mainly depends on the applicant's qualification and card handling conditions. After all, although ICBC's credit card approval depends on the star rating, this star rating does not play a particularly important role. It can be regarded as a threshold for handling gold cards. If you reach this threshold, you can apply for a gold card, but you can't guarantee the card and the amount.
After all, when approving credit cards and granting credit, banks will make a comprehensive evaluation based on the information provided by the applicants, as well as their repayment ability and financial assets. The higher the score, the easier it is to get rid of the card, and the higher the card approval amount. In addition, the application channel will also have a certain impact on credit card approval and credit granting.
Because online application can not effectively provide the corresponding proof of repayment ability, if you want to apply for a large credit card, it is recommended to apply at the counter outlets and submit documents to the bank that can prove your financial level, such as house, car, deposit, investment market value, etc., which will help to issue credit cards with higher quotas. Of course, if you have more deposits or wealth management in ICBC, it will be icing on the cake.
It should be noted that the quota applied for the first time is not a lifetime quota, so don't worry too much even if the quota is too low. As long as the consumption and repayment records are made in the process of using the card, you can withdraw the cash after holding the card for 6 months.
In short, the credit card limit of ICBC's five-star customers is not only based on the star rating, but ultimately depends on the credit status of the users.
Is it easy for ICBC five-star customers to apply for credit cards? And these factors.
The star rating of ICBC has a certain influence on the customer's business handling. For example, in terms of credit card processing, customers with more than 4 stars can apply for cards. If you are above 5 stars, you can also apply for a credit card gold card. However, many people have this question. ICBC has many five-star customers, so is it easy for them to apply for credit cards? Let's analyze it for everyone.
Is it easy for ICBC five-star customers to apply for credit cards?
What I want to tell you here is that although 5-star customers can handle higher credit cards, they may not be able to handle them, so there is no such thing as a high star is easy to handle. After all, ICBC may refer to the customer's star rating when approving credit cards, but the star rating is not the only criterion for handling credit cards, but depends on the customer's credit situation.
Both ICBC and other banks will examine two aspects when approving credit cards, one is the applicant's personal credit and the other is the applicant's repayment ability. Personal credit is easy to understand, that is, to see if the applicant has bad credit through the credit report; The repayment ability is influenced by many factors, such as the applicant's monthly income, position, work information and so on.
Therefore, if the applicant is a five-star customer, although the star rating is higher than others, but has a bad credit record or poor repayment ability, then the bank will refuse to issue you a card; On the other hand, if a 5-star customer has no bad credit and excellent repayment ability, then the star will improve the success rate of card approval and the quota will be higher.
The above is "Is it easy for ICBC five-star customers to apply for credit cards?" . In a word, five-star customers of ICBC apply for credit cards, not only for the star rating, but also for the credit status of the users. It will be easier to apply for a credit card only if the star rating is high and the credit conditions are good.
How much is a credit card for five-star ICBC customers?
Summarizes the credit standards that different star-rated customers can apply for. The details are as follows: \ \ ICBC studied and formulated the credit standard for star-rated customers according to the four-star customer evaluation model and internal rating results. Differentiate credit to star customers with ICBC credit cards or loans (with internal rating scores), and issue credit card products of different grades to different star customers. \ \ That is, for four-star customers, the comprehensive credit line can be approved as RMB 50,000; \ \ Allocate gold cards for five-star customers, and the comprehensive credit line can be approved at RMB 654.38+10,000; \ \ Allocate platinum cards for six-star customers, and the comprehensive credit line can be approved to be 500,000 yuan; \ \ Allocate platinum cards for seven-star customers, and the comprehensive credit line can be approved as 6,543,800 yuan; For high-risk customers with an internal rating score of 5, credit card configuration and active adjustment are not recommended. \ \ For star-rated customers who have no credit card or loan (no internal rating score for the time being), they should be slightly reduced on the basis of the above credit standards. That is, for four-star customers, the initial comprehensive credit line can be approved as 65,438 yuan+0,000 yuan; \ \ Allocate gold cards for five-star customers, and the initial comprehensive credit line can be approved to be RMB 50,000;
What services can ICBC five-star customers enjoy?
ICBC's five-star customers can enjoy the following services:
1. Provide "six specialized" services for wealth management accounts, namely: exclusive VIP access, exclusive fee concessions, expert wealth management services, exclusive wealth management products, professional account management and exclusive exciting activities.
2. Provide automatic credit service for personal consumption credit line, set basic credit line, and customers will decide whether to use this line according to their own needs, further broadening the financing channels for customers.
3. With the configuration of credit card gold card, customers can enjoy value-added services such as discount for merchants with credit card gold card, VIP access at the airport, and enjoy preferential rates for related businesses.
Extended data
Details of ICBC customers' star ratings
The star ratings of individual customers of ICBC are divided into six categories, from high to low, namely, seven-star customers, six-star customers, five-star customers, four-star customers, three-star customers and quasi-star customers. Customers with sporadic values do not participate in star rating.
The star rating of individual customers is based on the comprehensive business volume. Customers can accumulate star points according to the business volume of deposits, loans, investment and wealth management (including funds, wealth management products, national debt, insurance, precious metals, etc.). ), credit card consumption, remittance and deposit and withdrawal in different places, and get a star rating.
This concludes the introduction of ICBC five-star customer credit card and ICBC five-star customer credit card. I wonder if you found the information you need from it?