1, financial assets?
(1) Short-term assets?
It mainly includes: current savings deposits, third-party depository, intelligent express wealth management products, money market funds and credit card deposits. You can get 135 star points 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). You can get 100 star points per 10,000 yuan of medium-and long-term assets.
2. Personal debt?
(1) Personal housing mortgage loan is available for every 10,000 yuan 100 stars.
(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) Credit card interest overdraft 1 10,000 yuan can get 200 stars.
3. Intermediate business?
(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, foreign exchange trading, etc. You can get 200-star points for every 1 10,000 yuan investment and wealth management transaction.
(2) Credit card consumption transaction indicators mainly include transactions generated by POS credit card consumption of smart cards, wealth management account cards (including ICBC wealth management account cards), credit cards, debit cards, quasi-credit cards and other cards. You can get 400 stars for every 10,000 yuan investment and wealth management transaction.
(3) Settlement transactions mainly include remote deposit and withdrawal, remote remittance, inter-bank remittance and express remittance. You can get 200 stars for every 10 thousand yuan settlement transaction.
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The star rating of ICBC is based on the comprehensive business volume of customers in ICBC, including handling deposits, loans, investment and wealth management (including funds, wealth management products, national debt, insurance, precious metals, etc.). ), credit card consumption, remote remittance and deposit and withdrawal. Customers can accumulate star points according to the business volume and get a star.
In addition, ICBC's star rating is divided into contribution star rating and service star rating, with contribution star rating adjusted once a month and service star rating adjusted once every six months. On the 4th to 5th of every month, the system will upgrade and adjust the star rating, and ICBC customers can check their star rating through ICBC online banking.
Because ICBC's star rating is dynamic, if your ICBC star rating has reached 6 stars, and then the business volume temporarily drops due to various reasons, ICBC will still give 6-star customers a buffer period of 1 year and still enjoy the corresponding preferential treatment and service.