ICBC's customer stars are divided into two categories: contribution stars and service stars. As the name implies, contribution and service are relative concepts. The level of contribution stars depends on the frequency of your business relationship with ICBC, such as your loans, fixed fund investment, gold trading, deposits, credit card points and many other factors that bring profits to ICBC. The highest contribution star is seven stars. There are rules to follow in the level of service stars: four-star service-peony ordinary card (including popular card) customers; Serve five-star-Peony Gold Card customers; Six-star service-peony platinum card customers/silver customers; Serve seven-star gold medal customers. Just sit by yourself. If there is no peony credit card, it will be three stars or less, or even zero stars.
ICBC has a card-handling activity, which is aimed at star-rated customers, or more precisely at contributing star-rated customers. Customers who have contributed four stars can get a peony gold card with a quota of 2, yuan. Customers who contribute five stars can get a peony gold card with a quota of 5 thousand. For customers who have contributed six or more stars, ICBC invites them to apply for Peony Platinum Card. What does ICBC's four-star customer representative mean? For explanation,
ICBC's customer level is divided by star level, and the standard of each star level is determined according to the star point value interval.
most of ICBC's business is to calculate the star point value. You are currently a 4-star, and you say that the star point value is in the range of 5 (inclusive) ~ 2, which is the result accumulated when you handle business at ordinary times.
If you need to apply for a credit card, the approver will grant a corresponding amount to a four-star customer according to your star rating. The criteria for handling a gold card are met, and the amount should be above 1,. What do you mean by ICBC's four-star customers?
Seven-star customers: star point value is above 8, (inclusive), six-star customers: star point value is 1, (inclusive) ~ 8,, five-star customers: star point value is 2 (inclusive) ~ 1,, (4) four-star customers: star point value is 5 (inclusive) ~.
related indicators and calculation f1, financial assets 6 A4 financial assets indicators are composed of short-term assets and medium-and long-term assets, and the indicators are calculated as the half-year average daily balance of various financial assets. (1) Short-term assets mainly include: demand savings deposits, third-party depository, smart express wealth management products, money market funds and credit card deposits. You can get 135 star points per ten thousand yuan of short-term assets. It mainly includes: fixed-term savings deposits (including fixed-term 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 1 stars per 1, yuan of medium-and long-term assets. 2. The personal debt index consists of three details: personal housing mortgage loan, other personal loans and card overdraft. The calculation caliber of the index is the half-year average daily balance of each personal debt. (1) You can get 1 star points per 1, 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 2 stars per 1, yuan. 3. Intermediate business indicators are composed of investment and wealth management transactions, card consumption transactions and settlement transactions, and the calculation caliber of indicators is the accumulated transaction amount for half a year. If the amount of a single transaction exceeds the standard upper limit amount of the service fee, the upper limit amount will be taken as the transaction amount and included in the index statistics. If a single transaction has enjoyed the preferential rate of our bank, the transaction amount will be converted according to the preferential ratio and then included in the index statistics. (1) Investment and wealth management includes: fund purchase and redemption (excluding monetary fund), wealth management product purchase (excluding Lingtong Express), national debt purchase, insurance purchase, gold trading and foreign exchange trading. You can get 2 stars per 1, yuan of investment and wealth management transactions. (2) card consumption * B. ^5 indicators mainly include all kinds of cards, such as smart card, wealth management account card (including ICBC wealth management account card), credit card, debit card and quasi-credit card
Generally, credit cards are opened, and the service star is adjusted to four stars. Four-star customer service mainly includes:
1. Providing savings deposits and personal housing.
2. You are allowed to apply for a general credit card. After successful application, you can enjoy value-added services such as preferential merchant discount for general credit card.
3. service channels: four-star customers are provided with services mainly through general financial center, online banking version, 95588 service line, WAP, self-service banking and other channels. What do you mean by ICBC's Samsung customers?
Since 28th (from today), ICBC will formally implement the star-rated service system for individual customers in order to repay customers' love and improve service level. Your personal deposit, personal loan, investment and wealth management (including funds, wealth management products, national debt, insurance, foreign exchange, gold, etc.), credit card consumption, remittance and deposit and withdrawal in different places can all be rated as stars according to the business volume. If the star rating is five stars or above, you can enjoy the corresponding business concessions and other value-added services. The star rating standard will be evaluated every six months. You can check the star rating through our online banking, telephone banking, mobile banking (WAP) and business outlets or consult the account manager. Three-star is an automatic rating based on the system's information about your deposits and the use of bank products and services. Customers with more than five stars can enjoy more services. (Three-star customers have deposits, but not many (five-star customers are more than 5,) ICBC's seven-star customers
Five-star customers are wealth cards, six-star customers are supreme cards, and seven-star customers like you are platinum supreme cards, which are free of charge. You can enjoy the door-to-door service of private banks, have the priority to handle short-term financial management for high-net-worth customers, and you don't need to make an appointment for withdrawals below 3 million. If you want to close your account, you can only go to the bank where you opened the card. The card number can be changed, but I personally think the procedure is very troublesome. The amount of credit you can apply for, it's hard to say, it depends on your income, but 3 million should not be a problem. The procedure is very simple, 3-month income list, ID card, and it is best to have certificates such as real estate license.
you can apply for a peony aviation treasure credit card. You can enjoy a 7.5 discount at major airports across the country. Handle this card with your star rating, and you can also enjoy compensation for missed flights. I forget how much this compensation is. Another one, maybe you don't like it very much, is accident compensation, which is 5 to 2 million yuan regardless of life or death. What do you mean by ICBC's three-star customers?
ICBC divides customers into sporadic-seven-star customer grades according to their comprehensive contribution. The assessment criteria are: 1. Short-term assets 2. Medium-and long-term assets 3. Personal housing mortgage loans 4. Other personal loans 5. Card overdraft 6. Investment and wealth management transactions 7. Card consumption 8. Settlement (remote access, remittance). As for the three-star standards, I can't remember clearly. But it doesn't mean that every item must meet a certain standard. The grade is a comprehensive evaluation. If one or several items are high, it can drive the overall evaluation. Star-rated customers of ICBC
Individual customers are divided into seven-star customers, six-star customers, five-star customers, four-star customers, three-star customers and quasi-star customers according to their contribution stars. The evaluation criteria for each type of customers are as follows:
(1) Seven-star customers: the star point value is above 8, (inclusive).
(2) Six-star customers: the star point value is 1 (inclusive) ~ 8.
(3) five-star customers: star point value is 2 (inclusive) ~ 1.
(4) four-star customers: the star point value is 5 (inclusive) ~ 2.
(5) three-star customers: the star value is 5 (inclusive) ~ 5.
(6) quasi-star customers: star point value (excluding) ~ 5.
(7) customers whose star point value is equal to will not be rated as stars.
customers who meet one of the following conditions, if the current service star is low, will be automatically upgraded to the corresponding star immediately:
(1) sign a private banking service agreement and adjust the service star to seven stars.
(2) Open ICBC Wealth Management Account Card and Platinum Credit Card, and adjust the service star rating 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 a general credit card 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 (bank-wide) for nearly six months.
related indicators and calculation
1. financial assets
the financial assets indicator consists of two breakdown items, namely short-term assets and medium-and long-term assets, and the indicator is calculated as the average daily balance of each financial asset for half a year.
(1) Short-term assets
mainly include: demand savings deposits, third-party depository, Lingtong Express wealth management products, money market funds and credit card deposits. You can get 135 star points per ten thousand yuan of short-term assets.
(2) Medium-and long-term assets
mainly include: fixed-term savings deposits (including fixed-term and flexible working), provident fund deposits, wealth management products (excluding smart express), funds (excluding money market funds), national debt, insurance and gold (including paper gold, physical gold and brand gold). You can get 1 stars per 1, yuan of medium-and long-term assets.
2. Personal debt
The personal debt indicator consists of three details: personal housing mortgage loan, other personal loans and card overdraft. The calculation caliber of the indicator is the average daily balance of each personal debt for half a year.
(1) You can get 1 stars per 1, yuan personal housing mortgage loan.
(2) Other personal loan indicators include personal consumption loans and personal business loans, and other personal loans can earn 2 points per 1, yuan.
(3) You can get 2 star points per 1, yuan credit card interest overdraft.
3. Intermediary business
Intermediary business indicators are composed of three details: investment and wealth management transactions, card consumption transactions and settlement transactions, and the calculation caliber of indicators is the accumulated transaction amount for half a year. If the amount of a single transaction exceeds the standard upper limit amount of the service fee, the upper limit amount will be taken as the transaction amount and included in the index statistics. If a single transaction has enjoyed the preferential rate of our bank, the transaction amount will be converted according to the preferential ratio and then included in the index statistics.
(1) investment and wealth management
trading indicators mainly include: fund purchase and redemption (excluding monetary funds), wealth management product purchase (excluding the express line), national debt purchase, insurance purchase, gold trading, foreign exchange trading, etc. You can get 2 stars per 1, yuan of investment and wealth management transactions.
(2) Card consumption
Transaction indicators mainly include transactions generated by POS card swiping of various cards such as Smart Card, Wealth Management Account Card (including ICBC Wealth Management Account Card), credit card, debit card and quasi-credit card. You can get 4 stars per 1, yuan of investment and wealth management transactions.
(3) Settlement transactions
mainly include remote deposit and withdrawal, remote remittance, inter-bank remittance and express remittance. You can get 2 stars per 1, yuan of settlement transactions. Star-rated customers with industrial and commercial bank cards
1. They can log on to VIP online banking;
2. There are discounts on transaction fees;
3. You can apply for a Peony Platinum Card;
4. if you apply for a loan, the credit amount is relatively large.