The advantages and disadvantages of the ICBC Baby Growth Card

The advantages of the ICBC Baby Growth Card:

The card can choose any card face, and is free of production fees and 16 Annual fees for each year before the age of 10;

You can enjoy exclusive regular savings products, including ICBC crusher, baby piggy bank and family dream gold;

There are many processing channels, and you can Apply online and offline.

Disadvantages of the ICBC Baby Growth Card:

This card is issued in a set of cards and must be processed in the form of "Baby Card + Father's Love Card + Mother's Love Card". There are restrictions on users. Large;

Because it is a special debit card product, not all offline outlets support the processing, and only some outlets can handle it; a fee of 100 yuan per card will be charged for customizing the card surface.

The process for applying for a credit card and a debit card is different. When applying for a credit card, you need to bring your valid documents (ID card or copy of ID card or household registration book or copy of household registration book), proof of residence, proof of unit income or proof of personal assets and other materials to the bank counter to go through the relevant procedures and fill out the application. Form, the information filled in must be true. After filling out the application form, it must be filed with the head office of the account opening bank. After the head office of the account opening bank reviews the application materials, it will take approximately 20 working days before the card can be issued to the customer.

Credit cards are only available to customers who are 18 years of age or older. Minors are not allowed to apply for credit cards.

Applying for a debit card is relatively simple. You only need to bring your valid documents (ID card or household registration book) and fill out the application form at the bank where the account is opened. The card can be issued to the applicant at that time.

There is no age limit for debit card application, and minors can also apply. When customers under the age of 16 apply for a debit card, their guardian must hold the account book (if they are not in the same account book, relevant certificates must be provided) to the bank branch counter to apply for it, and the person being processed does not need to be present; if you are over 16 years old, If minors under the age of 18 are already working, they can go to the bank counter with their work certificate and ID card to apply for a debit card on their own. If they are not working, they still need the assistance of their guardian, and the person being processed does not need to be present; Applicants who are 18 years old or above can directly go to the counter of a bank branch or a self-service card application machine with their ID card to apply for a debit card, and get it immediately.

Report the loss of a bank card

The procedures for reporting the loss of a bank card are not exactly the same among major banks. If you lose your bank card, you can first use the phone or online banking to temporarily report the loss, and then bring your ID card and other proof. Report the loss of materials at the bank counter.

Notes

1. When entering the password, be sure to cover it with your hands. If there is any abnormality in the password shield and card entry protection slot of the ATM machine, for safety reasons, do not use it. At the same time, inform the bank immediately;

2. In order to prevent fake ATM machines, customers should try to choose self-service banks with obvious signs and use ATM machines under the bank’s video surveillance;

3. It is best to store bank cards and ID cards separately, do not lend bank cards to others, and do not disclose bank card numbers and passwords at will;

4. When swiping cards for consumption, do not let bank cards out of sight. Pay attention to the number of times the cashier swipes the card. When you get the purchase order and card, check whether the amount on the purchase order is correct and whether it is your card;

5. Enable mobile phone text messaging service to keep track of account changes at any time If you find an abnormal transaction, call the bank immediately to report the loss;

6. If you suspect that funds have been stolen, you should immediately call the bank customer service number and report the loss of the bank card account in a timely manner.

7. Do not put bank cards together with electrical appliances with strong magnetic fields such as mobile phones, TVs, stereos, microwave ovens, etc. It is best to put them far away. Do not keep multiple bank cards and passbooks together.

8. Use pieces of paper to separate cards as much as possible to act as a distance.

9. You can use special bank card holders or anti-magnetic card holders.