The main function of Peony Yidai Credit Card is to realize installment payment. Cardholders use Yidai Credit Card to purchase goods of more than 600 yuan at designated merchants, directly swipe the card at the merchant to make installment payment, and sign the printed receipt for confirmation. Consumption can be completed in real time, and the loan can be truly realized immediately, eliminating the cumbersome procedures of going to the bank to apply for a loan.

After introducing Yida Card, let the editor tell you the data: According to the editor’s understanding, the installment rate for ordinary credit cards of some banks can reach more than 7% in 12 installments, which means For a purchase of 10,000 yuan, repaid in 12 installments, the handling fee paid was as much as 1,440 yuan! The Yida credit card launched by the Industrial and Commercial Bank of China is specially used for installment payments at designated merchants. The annual interest rate is only 3.42%, which is not only nearly half the rate of some banks, but also waives all handling fees for the first three years. Based on this calculation, if a product worth 10,000 yuan is paid in installments with Yidai Card and repaid in 12 installments, the handling fee required is a maximum of 342 yuan. The latter saves more than 1,000 yuan than the former.

The application steps for ICBC Easy Loan are as follows: First, please call the ICBC customer service hotline 95588 and transfer directly to the manual for detailed consultation with "Easy Loan"; second, go to any nearby ICBC branch and bring Use your ID card and your salary card (or mortgage loan card, car loan card, or credit card) to check the "Yidai" loan limit; in the third step, submit the relevant information for applying for ICBC Yidai and wait for the bank's reply.