What is the star rating of ICBC?
ICBC's two-star customers mean that the lowest-level customers are quasi-star customers.
Supplementary information:
The star rating of ICBC implies how many assets investors have in ICBC. There are six categories * * *, in which the highest-level customers are seven-star customers with a star point of 8, or above, and the lowest-level customers are quasi-star customers, that is, two-star customers with a star point of (excluding) ~ 5. Two-star customers can enjoy ICBC financial convenience stores and convenience stores.
Extended information:
I. Star rating standards for ICBC customers
ICBC divides customers into six grades according to the number of star points, and the star rating standards for customers are as follows:
1. Star points are between and 5: quasi-star customers;
2. The star point value is between 5 (inclusive) and 5: three-star customers;
3. Star point value from 5 (inclusive) to 2: four-star customers;
4. The star point value is from 2 (inclusive) to 1: five-star customers;
5. The star point value ranges from 1 (inclusive) to 8: six-star customers;
6. The star point value is above 8 (inclusive): seven-star customers.
2. Different treatments for the star ratings of ICBC customers:
1. Quasi-star customers with a star point value between and 5, and three-star customers with a star point value between 5 and 5.
2. When the star point value reaches 5 and is lower than 2,, it becomes a four-star customer, who can successfully apply for a general credit card and enjoy financial services provided by general financial center, 95588 service line, mobile phone/online banking and other channels.
3. When the star point value is between 2, and 1,, it will become a five-star customer, and you can successfully apply for a wealth management gold card or a credit card gold card, and you can enjoy the exclusive services and related business rate concessions provided by VIP wealth management center, VIP service line, mobile phone/online banking and other channels.
4. When the star point value is between 1, (inclusive) and 8,, it is a six-star customer who can successfully apply for a platinum credit card and enjoy exclusive wealth management services and related business rate concessions provided by the wealth management center, VIP service line, mobile phone/online banking and other channels.
5. When the star point value reaches 8,, it reaches the highest star level, and becomes a seven-star customer, who can successfully sign a private banking agreement and enjoy the private banking, personal assistant services and related business rate concessions provided by private banks, VIP service lines, mobile phones/online banking and other channels.
what is the standard for defining the credit card star of ICBC
what is the standard for defining the credit card star of ICBC? In order to help you fully understand this problem, I have compiled the star rating standards of ICBC credit cards for your reference!
service star rating and contribution star rating
1. Contribution star rating refers to the star rating based on the total star value calculated by the star rating model, which reflects the actual contribution of individual users of the Bank and is the basis for performance appraisal and information disclosure. The assessment cycle of contribution star rating is monthly.
Service star rating refers to the rating result adjusted according to certain rules to meet the needs of individual users and business development of the Bank. It is also the basis for our individual users to enjoy our preferential services. The adjustment of service star can be divided into three types: immediate adjustment by the system, manual adjustment by the account manager and fixed rating day adjustment. If the current service star is low, the system will automatically raise it 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.
2. Downgrading of service stars (latest)
From June p>211, the end of each month will be the evaluation date for the rise of service stars. That is, if the contribution star is higher than the service star at the end of each month, the service star will be raised immediately. At the same time, our bank sends SMS reminders to customers with rising service stars every month.
June 3th and December 31st are still fixed evaluation days for the decline of service stars. When the contribution star is lower than the service star, the service star assessed in the current period temporarily remains unchanged, and at the same time, it enters a buffer period of star decline. For customers whose service star has entered the buffer period of star decline and the buffer period has passed, the service star will be lowered according to the current contribution star.
differentiated buffer period management is implemented for the decline of different star-rated customers. Specifically, the buffer period is adjusted to two years for seven-star customers, one year for six-star customers, and half a year for customers below five-star.
3. Calculation of star value
Customer stars are divided into contribution stars and service stars. The contribution star rating is the star rating based on the total star rating, which is calculated by summarizing your assets, liabilities and intermediary business six months before the fixed rating date of the Bank (bank-wide). The service star rating is the rating result adjusted according to certain rules based on the contribution star rating.
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 fixed-term jobs), provident fund deposits, wealth management products (excluding smart express), funds (excluding money market funds), national debt, insurance, precious metals (including account precious metals, agent physical gold, brand gold) and so on. You can get 1 stars per 1, yuan of medium-and long-term assets.
Note:
Precious metal deferral will not be included in the calculation of star point value for the time being. (Note that the star value of assets is specifically referred to here, that is, it is calculated according to the average daily balance, and the star value of transactions is introduced later.)
2. Personal liabilities
Personal liabilities indicators are composed of three details: personal housing mortgage loans, other personal loans and card overdraft, and the calculation caliber of the indicators is the average daily balance of each personal debt for half a year.
Credit card scoring skills of ICBC
Requirements and procedures
(1) You can get 1 stars for every 1, yuan of 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) The star value of personal loan is calculated according to the paid-in interest, and the star value is calculated according to the average interest rate. Because different customers enjoy different interest rates,
obtains different star point values. For example, the average daily balance of two customers' mortgages for half a year is 1 million, but the star point value obtained by customers with a 3% interest rate is lower than that of customers with a benchmark interest rate.
(4) 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 Lingtong Express), national debt purchase (please note the revision in 213), insurance purchase, precious metals in accounts, physical precious metals, brand gold, foreign exchange trading, etc. You can get 2 stars per 1, yuan of investment and wealth management transactions.
revised in p>213: you can get 5 stars for every 1, yuan of book-entry treasury bonds; You can get 1 star points per 1, yuan of precious metals (account gold/silver, physical gold, brand gold, gold/silver deferred)
Note:
① Accumulate star points for the trading of account precious metals, physical precious metals and brand gold according to the transaction amount of .2.
② foreign exchange trading is not included in the calculation of star point value for the time being.
(2) Card consumption
Transaction indicators mainly include' transactions' generated by POS card swiping consumption 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 star points for every ten thousand yuan of transaction.
revision in p>213: the star point value is calculated according to the accumulated consumption amount for all kinds of cards such as Smart Card, Wealth Management Account Card (including ICBC Wealth Management Account Card), Credit Card, Credit Card and Quasi-Credit Card, and 2 star points can be obtained for every 1, yuan
Note:
① The star point value generated by the transaction of credit card sub-card is credited to the account of the main cardholder.
② At present, transactions such as pos card purchase and car purchase are included in the star point value.
③ the foreign currency account in the dual-currency credit card is converted into RMB according to the foreign currency transaction amount to calculate the star point value.
(3) Settlement transactions
mainly include off-site deposit and withdrawal, off-site remittance and inter-bank remittance. You can get 2 stars per 1, yuan of settlement transactions.
In addition, you can get 5 stars for every 1, yuan paid in the past six months.
Note:
① Cross-border remittance is not included at present.
② the star point value will be calculated only for the transactions that charge your handling fee, and it will not be calculated if the handling fee is not charged due to preferential treatment and other reasons. The specific calculation method is based on the paid-in handling fee, and the star point value of each business is the paid-in handling fee multiplied by 2.
(revised in 213: the star point value is calculated according to the accumulated handling fee for the following businesses: the star point value obtained from handling foreign exchange trading business is twice the paid-in handling fee; The star-point value of remote deposit and withdrawal, remote remittance and inter-bank remittance through electronic channels and self-service channels is twice as much as the paid-in handling fee, and it is once as much as the paid-in handling fee through counter channels (the star-point value will be calculated only for settlement transactions with handling fee, but not for those without handling fee due to preferential reasons))
4. Risk factors
Risk factors refer to the potential risks or actual losses of individual customers due to various loans and card overdrafts. For customers whose loan grade is suspicious, secondary, or whose quasi-credit card is overdrawn for 7 months or more and whose credit card is in default for 6 months or more, the balance of this debt is not included in the calculation range of the star rating model; For customers whose loan rating is loss, or whose credit card is overdrawn for 12 months or more, and whose credit card is in default for 11 months or more, the star rating is quasi-star.
Star value corresponding to star level and automatic promotion rules
Individual customers are divided into six categories according to their contribution stars: seven-star customers, six-star customers, five-star customers, four-star customers, three-star customers and quasi-star customers.
the evaluation criteria for each type of customers are as follows:
(1) seven-star customers: star point value is above 8 (inclusive).
(2) six-star customers: star point value is 1 (inclusive) ~ 8.
(3) five-star customers: star point value is 2 (inclusive) ~ 5.
(6) Quasi-star customers: the star point value is (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 their current service star level is low, will be automatically upgraded to the corresponding star level immediately:
(1) Sign a private banking service agreement and make adjustments. 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 rating to five stars.
(4) Open a credit card general card and adjust the service star rating to four stars.
ABC's credit card rating standard
ABC's credit card star membership rating is divided into six grades, ranking from low to high as Volkswagen, Gold, Platinum, Emerald, Diamond and Crown. Gold members are required to reach a growth value of 1; Platinum members are required to achieve a growth value of 5; Emerald members are required to achieve a growth value of 3, yuan and spend over 5, yuan on points; Diamond members are required to achieve a growth value of 2, yuan, with a total consumption of 2, yuan; Crown members require a growth value of 8, yuan and an integral consumption of 5, yuan.
The grading standards are as follows:
1. Jinsui Gold Card
(1) The average daily financial assets of existing customers in the first 12 months of the Bank reached more than RMB 1, (inclusive) (specifically subject to the standards published by local branches);
(2) new marketing customers who apply for daily average financial assets or purchase investment financial products of more than RMB 1, (inclusive) (specifically, the standards published by local branches shall prevail).
2. Jinsui Platinum Card
(1) The average daily financial assets of existing customers in the first 12 months of the Bank reached RMB 1 million (inclusive);
(2) New marketing customers who apply for daily average financial assets or purchase investment financial products of more than RMB 1 million (inclusive).
3. Jinsui Diamond Card
1. The average daily financial assets of existing customers in the first 12 months of the application date of the Bank reached RMB 5 million (inclusive) or above (specifically subject to the standards published by local branches);
2. New marketing customers who apply for daily average financial assets or purchase investment financial products of RMB 5 million or more (specifically, according to the standards published by local branches).
Supplement the functions of IC debit card of Agricultural Bank of China:
Our IC debit card has the functions of payment and settlement, automatic contribution, bound repayment, portable consumption, payroll payment, personal loan, automatic payment of water and electricity charges, investment and wealth management, electronic banking, etc., and can provide you with social security, traffic management, telecommunications industry, park management, membership management, and public affairs according to the agreement signed between our bank and our partners.
Precautions for IC Debit Card of Agricultural Bank of China:
(1) If the IC Debit Card is lost, please apply to the issuing bank for reporting the loss immediately. The electronic cash account is registered, without interest and without reporting the loss.
(2) For details of business handling and use, please contact the local business outlets or the 95599 customer service hotline.
(3) Some of the above business functions have not been put into use in a few provinces, cities and regions. Please refer to the local actual situation.
(4) China Agricultural Bank Co., Ltd. reserves the right to modify the above functions without separately notifying customers in advance.
how to query the star value of ICBC credit card star customers?
you can log in to the online bank to inquire, or call 95588 ICBC customer service to inquire, or bring your card to the ICBC counter to inquire;
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 2 (inclusive).