(1) Seven-star customers: the star point value is above 80000 (inclusive).
(2) Six-star customers: the star point value is 10000 (inclusive) ~ 80000.
(3) Five-star customers: the star integral value is 2000 (inclusive) ~ 10000.
(4) Four-star customers: the star integral value is 500 (inclusive) ~ 2000.
(5) Three-star customers: the star rating is 50 (inclusive) ~ 500.
(6) Quasi-star customers: the star rating is 0 (excluding) ~ 50.
(7) Customers whose star score is equal to 0 will not be rated as stars.
For customers who meet one of the following conditions, if the current service star rating is low, the system will automatically upgrade it to the corresponding star rating immediately:
(1) Sign a private banking service agreement and adjust the service star to seven stars.
(2) ICBC wealth management account card and platinum credit card were opened, and the service star was adjusted to six stars.
(3) Open a wealth management account and a credit card gold card, and adjust the service star to five stars.
(4) Open ordinary credit cards and adjust the service star to four stars.
The star point value is calculated by summarizing your assets, liabilities and intermediary business in our bank (the whole bank) for nearly six months.
Related indicators and calculations
1, financial assets
The financial assets index consists of short-term assets and medium-and long-term assets, and the index is calculated as the average daily balance of each financial asset for half a year.
(1) Short-term assets
It mainly includes: demand savings deposits, third-party depository, intelligent express wealth management products, money market funds and credit card deposits. You can get 135 stars for every ten thousand yuan of short-term assets.
② Medium and long-term assets
It mainly includes: regular savings deposits (including regular jobs), provident fund deposits, wealth management products (excluding smart express), funds (excluding money market funds), national debt, insurance, gold (including paper gold, physical gold and brand gold), etc. You can get 100 star points per 10,000 yuan of medium-and long-term assets.
2. Personal liabilities
The personal debt index consists of three details: personal housing mortgage loan, other personal loans and credit card overdraft. The calculation caliber of this index is the half-year average daily balance of each personal debt.
(1) You can get 100 stars per 10,000 yuan personal housing mortgage loan.
(2) Other personal loan indicators include personal consumption loans, personal business loans and other varieties, and other personal loans can get 200 stars per 10,000 yuan.
(3) You can get 200 stars per 1 10,000 yuan credit card interest overdraft.
3. Intermediate business
Intermediate business indicators are composed of investment and wealth management transactions, credit card consumption transactions and settlement transactions, and the calculation caliber of indicators is the accumulated transaction amount for half a year. If the single transaction amount exceeds the standard upper limit amount of service fee, the upper limit amount will be taken as the transaction amount and included in the index statistics. If a single transaction enjoys our preferential rate, the transaction amount will be converted according to the preferential ratio and then included in the index statistics.
(1) Investment and financial management
Trading indicators mainly include: fund subscription and redemption (excluding monetary fund), wealth management product subscription (excluding Tong Ling Express), national debt subscription, insurance subscription, gold trading and foreign exchange trading. You can get 200 stars for every 1 10,000 yuan investment and wealth management transaction.
② Credit card consumption
Transaction indicators mainly include the transactions generated by POS credit card consumption of smart cards, wealth management account cards (including ICBC wealth management account cards), credit cards, credit cards, quasi-credit cards and other cards. You can get 400 stars for every 1 10,000 yuan investment and wealth management transaction.
(3) Settlement category
Transactions mainly include remote deposit and withdrawal, remote remittance, inter-bank remittance and express remittance. You can get 200 stars for every settlement transaction of10,000 yuan.
I hope I can help you and hope to adopt it!