Buffet activities of credit card star-rated hotels

What does the star rating of ICBC mean?

ICBC's two-star customers mean that the lowest-level customers are prospective customers.

Supplementary information:

The star rating of ICBC indicates how many assets investors have in ICBC. There are six categories of * * *, among which the highest-level customers are seven-star customers with a star point above 80000 (inclusive), and the lowest-level customers are quasi-star customers, that is, two-star customers with a star point of 0 (exclusive) ~ 50. Two-star customers can enjoy ICBC financial convenience store, 95588 service line and mobile phone/online.

Extended data:

I. Star rating standards for ICBC customers

China Industrial and Commercial Bank divides customers into six grades according to the number of star points. The star standards of customers are as follows:

1, star point value is between 0 and 50: sight customer;

2. The star point value is between 50 (inclusive) and 500: three-star customers;

3. Star point value from 500 (inclusive) to 2000: four-star customers;

4. Star point value from 2000 (inclusive) to 10000: five-star customers;

5. Star point value range 10000 (inclusive) to 80000: six-star customers;

6. Star point value above 80,000 (inclusive): Seven-star customers.

Second, the different treatment of ICBC customers' star ratings:

1, a star point value between 0 and 50 is a quasi-star customer and a star point value between 50 and 500 is a three-star customer.

2. When the star integral value reaches 500 and is lower than 2000, they become four-star customers, and can successfully apply for ordinary credit cards and enjoy financial services provided by ordinary financial centers, 95588 service lines, mobile phones/online banking and other channels.

3. When the star point value is between 2000 (inclusive) and 1 000, they will become five-star customers, and can successfully apply for a wealth management gold card or a credit card gold card, and enjoy 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 points are between10,000 (inclusive) and 80,000, six-star customers can successfully apply for platinum credit cards and enjoy exclusive wealth management services and related business rate concessions provided by wealth management centers, VIP service lines, mobile phones/online banking and other channels.

5. When the star score reaches 80,000, it will reach the highest star level and become a seven-star customer, who can successfully sign a private banking agreement and enjoy 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 star standard of ICBC credit card?

What is the definition standard of ICBC's credit card star rating? In order to help you fully understand this problem, I have compiled the star rating standards of ICBC credit cards for your reference!

Star of service and star of contribution

1. Contribution star rating: refers to the star rating based on the total star rating calculated by the star rating model, which reflects the actual contribution of individual bank users and is the basis for performance appraisal and information disclosure. The contribution star rating cycle is monthly.

Service star rating: refers to the rating results adjusted according to certain rules on the basis of contributing star ratings to meet the expansion and business development needs of individual users of the Bank, and is also the basis for individual users of the Bank to enjoy various preferential services of the Bank. The adjustment of service star rating can be divided into three types: immediate adjustment by the system, manual adjustment by the account manager and daily adjustment by fixed rating. Customers who meet one of the following conditions will be automatically upgraded to the corresponding star level immediately if their current service star level is low:

(1) signed a private banking service agreement, and the service star was adjusted 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 an ordinary credit card and adjust the service star to four stars.

2. The downgrade of service star (latest)

From June 20th11,the end of each month is the evaluation day for the rise of service stars. That is, at the end of each month, the contribution star is higher than the service star, and the service star is immediately raised. At the same time, our bank will send SMS reminders to customers with rising service stars every month.

June 30th and February 30th 12 and 3 1 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 enters a buffer period of star decline. For customers whose service star rating has entered the buffer period of star rating decline and the buffer period has passed, the service star rating will be lowered according to the current contribution star rating.

Different star-rated customers refused to implement differentiated buffer period management. 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 stars.

3. Calculation of star value

Customer stars are divided into contribution stars and service stars. The contribution star rating is based on the total star rating, which is calculated by summarizing your assets, liabilities and intermediary business in the six months before the fixed rating date of the bank (the whole bank). Service star rating is the rating result adjusted according to certain rules on the basis of contributing star rating.

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: current 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: fixed-term savings deposits (including fixed-term deposits and fixed-term deposits), provident fund deposits, wealth management products (excluding smart express trains), funds (excluding money market funds) and China.

Liabilities, insurance, precious metals (including account precious metals, agent physical gold, brand gold), etc. You can get 100 star points per 10,000 yuan of medium-and long-term assets.

With instructions:

Precious metal delay is not included in the calculation of star point value for the time being. (Note that this refers to the star value of assets, that is, it is calculated according to the average daily balance, and the star value of transactions is introduced later. )

2. Personal liabilities

Personal debt index consists of three details: personal housing mortgage loan, other personal loans and card overdraft. The calculation caliber of this index is the half-year average daily balance of each personal debt.

Credit Card Scoring Skills of Industrial and Commercial Bank of China

Conditional processing flow is required

(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) Personal loans are calculated according to the paid interest, and the star value is calculated according to the average interest rate. Because different customers enjoy different interest rates,

The obtained star point values are also different. For example, the average daily mortgage balance of two customers for half a year is 654.38+0 million, but the customer with a 30% discount rate has a star value lower than the benchmark interest rate.

(4) Credit card interest overdraft 1 10,000 yuan can get 200 stars.

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 amount of a single transaction exceeds the upper limit of the service fee standard, the upper limit will be taken as the transaction amount and included in the index statistics. If a single transaction has enjoyed 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 (please pay attention to the revision of 20 13), insurance subscription, precious metals in accounts, physical precious metals, brand gold, foreign exchange transactions, etc., and you can get 200 stars for every 10,000 yuan of investment and wealth management transactions.

20 13 revision: 50 stars for every 10,000 yuan of book-entry treasury bonds; You can get 100 star points for every 10,000 yuan of precious metals (account gold/silver, physical gold, brand gold and gold/silver extension).

With instructions:

① The accumulated star point value of precious metals, physical precious metals and brand gold in the account according to the transaction amount of 0.02.

② Foreign exchange transactions are not included in the calculation of star point value for the time being.

(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 star points for every 10,000 yuan transaction.

20 13 revision: use smart cards, wealth management account cards (including ICBC wealth management account cards), credit cards, credit cards, quasi-credit cards and other cards to calculate the star points according to the accumulated consumption amount, and you can get 200 star points for every 1 10,000 yuan.

With instructions:

① The star point value generated by the credit card transaction is included in 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 category

Transactions refer to deposits and withdrawals from different places, remittances from different places and inter-bank remittances. You can get 200 stars for every 10 thousand yuan settlement transaction.

In addition, you can get 50-star points for every salary you pay 1 10,000 yuan in half a year.

With instructions:

① Cross-border remittance is not included at present.

(2) The star point value is only calculated for the transaction that charges you the handling fee, and it is not calculated if the handling fee is not charged due to preferential reasons. The specific calculation method is based on the paid handling fee, and the star point value of each business is the paid handling fee multiplied by 2.

(revised on 20 13: the star point value is calculated according to the accumulated handling fee of the following businesses: the star point value obtained from handling foreign exchange trading business is twice the paid handling fee; The star point value obtained by remote deposit and withdrawal, remote remittance and inter-bank remittance through electronic channels and self-service channels is 2 times of the actually paid handling fee, and the transaction through counter channels is 1 times of the actually paid handling fee (the star point value is only calculated for settlement transactions that have received the handling fee, but not for those that have not received the 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 with suspicious loan rating, overdraft of secondary or quasi-credit cards for 7 months or more, and credit card default for 6 months or more, the debt balance is not included in the calculation scope of the star rating model; For customers with loan grade of loss, credit card overdraft 12 months or more, and credit card default 1 1 month or more, the star rating is quasi-star.

The star value corresponding to the star, and the automatic adjustment rules.

Individual customers are subdivided 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 customer are as follows:

(1) Seven-star customers: the star point value is above 80000 (inclusive).

(2) Six-star customers: star point value 10000 (inclusive) ~ 80000.

(3) Five-star customers: star point value 2000 (inclusive) ~ 10000.

(4) Four-star customers: the star point value is 500 (inclusive) ~ 2000.

(5) Three-star customers: the star point value is 50 (inclusive) ~ 500.

(6) Quasi-star customers: the star point value is 0 (excluding) ~ 50.

(7) Customers with a star point value 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 to the corresponding star rating immediately:

(1) signed a private banking service agreement, and the service star was adjusted 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 an ordinary credit card and adjust the service star to four stars.

Credit Card Scoring Standard of Agricultural Bank of China

Agricultural Bank of China credit card star members are divided into six grades, from low to high, namely Volkswagen, gold, platinum, jade, diamond and crown. Gold members need to reach the growth value of 100; Platinum members need to reach a growth value of 500; Emerald members need to reach a growth value of 3,000 yuan and spend more than 5,000 yuan on points; Diamond members need to reach a growth value of 20,000 yuan, with a cumulative consumption of 20,000 yuan; Crown members require a growth value of 80,000 and an integral consumption of 50,000.

The scoring criteria are as follows:

1, jinsui jinka

(1) The daily average financial assets of existing customers reached RMB 654.38+10,000 yuan (inclusive) 12 months before the application date of the Bank (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 654.38+10,000 (inclusive) (specifically subject to the standards published by local branches).

2. Jinsui Platinum Card

(1) The daily average financial assets of existing customers reached RMB 1 ten thousand yuan (inclusive) or more in two months before the application date of the Bank;

(2) New marketing customers who apply for daily average financial assets or purchase investment financial products of RMB 6,543,800+0,000 (inclusive).

3. Jinsui Diamond Card

1. The daily average financial assets of existing customers reached RMB 5 million (inclusive) before the application date of the Bank 12 months (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 subject to the standards published by local branches).

Supplementing ABC IC debit card function:

Our IC debit card has the functions of payment and settlement, automatic payment, binding repayment, portable consumption, payroll payment, personal loan, automatic water and electricity payment, investment and wealth management, and electronic banking. , and can provide you with services in social security, traffic management, telecommunications industry, park management, membership management, public services and other industries according to the agreements signed between the Bank and its partners.

Matters needing attention of IC debit card of Agricultural Bank of China:

(1) If the IC debit card is lost, please apply to the issuing bank for loss reporting immediately. Electronic cash account registration, no interest, no loss reporting.

(2) Please contact local business outlets or 95599 customer service hotline for details of business handling and use.

(3) Some of the above business functions have not been put into use in a few provinces and cities. Please refer to the local actual situation.

(4) China Agricultural Bank Co., Ltd. reserves the right to modify the above functions without prior notice to customers.

How to query the star value of ICBC credit card star customers?

Log in to the online banking to inquire, or call 95588 ICBC customer service to inquire, or bring a card to the ICBC counter to inquire;

The evaluation criteria for each type of customer are as follows:

1, seven-star customer: the star point value is above 80000 (inclusive).

2. Six-star customers: star point value 10000 (inclusive) ~ 80000.

3. Five-star customers: star point value 2000 (inclusive) ~ 10000.

4. Four-star customers: the star point value is 500 (inclusive) ~ 2000.

5. Three-star customers: the star point value is 50 (inclusive) ~ 500.

6. The star point value is calculated by summarizing your assets, liabilities and intermediary business in our bank (the whole bank) for nearly six months.

ICBC star point value calculation method:

1, short-term assets such as demand 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.

2. Long-term assets such as time savings deposits, provident fund deposits, wealth management products, funds, national debt, insurance, gold, etc. You can get 100 star points for every ten thousand yuan.

3. Investment and financial management can earn 200-star points per 10,000 yuan, and bank card consumption can earn 400-star points per 10,000 yuan.

4. Remote deposit and withdrawal, remote remittance, etc. You can get 200 star points for every ten thousand yuan.

5. You can get 100 star points per 10,000 yuan personal housing mortgage loan; Credit card interest overdraft 1 10,000 yuan can get 200 stars.

What are the criteria for the star-rated customers of Guangfa Credit Card?

What are the criteria for the star-rated customers of Guangfa Credit Card?

1, Samsung customers: the staging standard is 0- 1 10,000 yuan, of which 1 10,000 yuan; The accumulated points consumption standard is 20000-65438+ million, of which 65438+ million points;

2. Four-star customers: staging standard 10000-50000, including 50000 yuan; The accumulated points consumption standard is 6.5438+10,000-400,000, including 400,000 points;

3. Five-star customers: the staging standard is more than 50,000; Accumulated points consumption standard is more than 400,000;

Extended data:

How to become a five-star customer of Guangfa

1. Actively participating in the credit card activities launched by Guangfa Bank can not only show the bank that you are actively referring to their activities, but also help you kill two birds with one stone; By the way, the credit card food discount of Guangfa Bank is still quite powerful. Many friends around Xiao Xiao applied for Guangfa Card because they took a fancy to the credit card food discount of Guangfa Bank. If you are a foodie, it is quite good to apply for a Guangfa credit card as a "foodie card".

2. Actively spend by credit card and become a quality customer of Guangfa Bank. The credit card star standard of Guangfa Bank should have appeared only recently, and it should be much easier than upgrading the star level of ICBC. So try to use credit cards and increase the frequency of swiping cards.

3. Buy the wealth management products of Guangfa Bank. It is said that this method is very effective for improving the star standard of Guangfa Credit Card. There is feedback from card friends ahead, buy a Guangfa wealth management product and get a five-star rating in minutes; Therefore, if you want to win a five-star Guangfa credit card, you may wish to try wealth management products;

4. Basic conditions must be met. The above three points can be said to be skills to improve the star standard, so the fourth basic condition is equally important, mainly including personal credit record, credit card repayment ability, credit consumption ability and so on. If these conditions are not met, the star rating will also be affected.

The credit card application conditions of all banks are similar, and the basic application conditions are as follows:

1, applicant's age

The main card applicant must be 18 years old or above, but the maximum age limit of each bank is different. For example, China Merchants Bank, China CITIC Bank and Shanghai Pudong Development Bank are all 60 years old. Guangfa, Bank of Communications, Minsheng, Ping An and Huaxia are 65 years old; CCB is 70 years old.

Supplementary card applicants can generally apply for 16 years old, among which China Merchants Bank and Agricultural Bank require 14 years old or above, while Minsheng and China Construction Bank can apply for 13 years old.

2. Personal economic strength

Applicants should have a stable job and legal income, and have certain repayment ability.

3. Credit information

Personal credit information is good, and there is no bad credit record, especially no credit card, loans overdue, cash withdrawal and other behaviors.

Of course, these are the most basic conditions. Even if you meet these conditions, you may not be able to pass the examination and approval 100%. In addition, some cards require special conditions, such as assets reaching a certain scale and so on.

Credit card grading standard

The grade of credit card is divided according to the rating of credit record, the amount of assets and wealth, reputation, fame, contacts and so on. According to the above standards, it can be divided into five categories: Puka, Gold Card, Platinum Card, Diamond Card and Black Card (not limited to cards).

First of all, Puka

Generally, the amount of a general card ranges from 3000 yuan to 65438+2000 yuan, and there are also student cards ranging from 1000 yuan to 2000 yuan. Generally, the privileges that Puka users can enjoy are only discounts for designated merchants, doubling birthday points and so on. The advantage of Puka is that the annual fee is relatively low, and it can be reduced or exempted if certain conditions are met. Puka's application conditions are relatively relaxed. As long as you 18 years old, have a stable job and income, and have a good personal credit record, you can apply for a general card.

Second, the gold card

The amount of a gold card is generally between 8000-65438+ 10,000 yuan. With a gold card, you can enjoy services such as card replacement, quick loss reporting, transfer and remittance, free handling fees for deposits and withdrawals in different places, and aviation accident insurance with a quota of up to 4 million. The annual fee for gold cards ranges from 200 yuan to 800 yuan. The application conditions for gold cards are stricter than those for ordinary cards. In addition to a good credit record, there are certain requirements for job stability and income.

Three. Platinum card and diamond card

Platinum cards and diamond cards are roughly the same. Applying for platinum card and diamond card requires hundreds of thousands of fixed assets in addition to good credit information and high-paying jobs. In addition, real estate, automobile output and daily consumption documents are also reference conditions. The amount of a platinum card is generally between 6.5438+million and 6.5438+million. Platinum card is the highest level card that the general public can access, and it is also the main card type promoted by banks. Platinum card can not only enjoy all the benefits of gold card, but also enjoy VIP-level benefits such as cash back, airport VIP room service, five-star hotel occupancy qualification, free medical examination and driving service. The advantage of the diamond card is that you can get a gold card member of a high-end brand or luxury store for free.

Fourth, black cards.

Black cards are credit cards owned by very few people. It is a symbol of contacts, power, wealth, reputation and prestige, and it is the royal family in credit cards. Black cards cannot be obtained through application, and are usually specially invited by banks. The credit line is generally between 1 10,000-1 10,000, and some banks have no credit line for black cards. Black card is the highest-end card that banks are proud of. With a black card, you can enjoy the highest-end and best service wherever you go.

I see, the unreachable platinum card, diamond card and black card!

So much for the introduction of credit card stars.