Card sorting
Peony quasi-credit card is a quasi-credit card issued by Industrial and Commercial Bank of China. Cardholders deposit a certain amount of reserve fund according to regulations, and when the balance of the reserve fund account is insufficient to pay, they can overdraw within the prescribed credit limit.
This peony quasi-credit card is a quasi-credit card with China characteristics, which has no precedent in other countries in the world. The appearance of this quasi-credit card is a reflection of the imperfection of China's credit system. Peony Credit Card and Peony International Credit Card, which truly meet the needs of the public, are the development direction.
Mudan international credit card
Peony International Credit Card is an international credit card product launched by Industrial and Commercial Bank of China. International cards are commonly used at home and abroad, and are settled in RMB and a designated foreign currency. Peony International Card adopts the circulating credit transaction mode, and overdraws consumption within the credit limit. If you repay in full before the due date, you can enjoy the interest-free repayment discount. This card is universal.
Peony credit card
Peony Credit Card is a credit card issued by Industrial and Commercial Bank of China, which gives the cardholder a certain credit limit, within which the cardholder can spend first and then repay. The credit card adopts the circulating credit transaction mode, and overdraws consumption within the credit limit. If you repay in full before the due date, you can enjoy the interest-free repayment discount.
Peony Credit Card can be used at UnionPay acceptance points in China, Hongkong, Macau, Thailand, South Korea, Singapore and other regions, and settled in RMB, with functions of transfer settlement, cash deposit and withdrawal, credit consumption and so on.
Peony credit card
Peony Credit Card is a credit card issued by Industrial and Commercial Bank of China, which is limited to RMB credit cards used in People's Republic of China (PRC). Settlement in RMB, with credit consumption, transfer settlement, cash deposit and withdrawal and other functions. Peony credit cards are divided into business cards and personal cards according to different card issuers; According to different credit ratings, it is divided into gold cards and ordinary cards.
Extended data:
ICBC's credit card is the credit card with the highest circulation in China. At present, ICBC credit cards mainly include:
Peony International Credit Card, Peony Credit Card and Peony Credit Card;
ICBC credit cards are divided into: Peony Visa Card, Peony MasterCard and Peony American Express Card by brand;
According to the credit rating, it is divided into: platinum card, gold card and ordinary card;
According to the issuing object, it is divided into business cards and personal cards, in which personal cards are divided into main cards and auxiliary cards.
Credit card policy
Annual fee-free policy: Puka Gold Card swipes the card for 5 times to avoid the annual fee for the following year.
Cash withdrawal fee: there is no fee for local ATM.
Multi-account management: independent quota, independent bookkeeping date and independent repayment.
Online payment: you need to open it at the bank counter first.
Installment business: support interest-free installment for specific merchants (3, 6, 12). You can apply for free installment (3, 6, 9, 12, 18, 24) by telephone if you spend RMB in 600 yuan HKD 600 yuan, and different fees will be charged for each installment according to the number of installments.
Billing date: every month 1 day is the billing date and cannot be changed.
Card types: Puka (RMB 0-20,000), Gold Card (RMB 6.5438+RMB 0-50,000) and Platinum Card (RMB 50,000 or more).
Charge standard for card use
Annual fee standard:
The annual fee for domestic ordinary cards is 50 yuan, gold card 100 yuan; Ordinary card fee of international dual-currency card 100 yuan, Gold Card 200 yuan; Business Ordinary Card 200 yuan, Golden Card 400 yuan; Platinum card 2000 yuan; The annual fee of all supplementary cards is half of the annual fee of the main card.
Free annual fee policy:
The annual fee of ICBC is charged after the first use, that is, one year after the account is opened. As long as you pay 5,5000 yuan (3 student cards or 3,000 yuan, Platinum Card10.6 million points free of annual fee or 200,000 free of annual fee) in this year, you will be exempted from the annual fee of that year. At the same time, ICBC does not charge an annual fee for opening credit cards.
China Industrial and Commercial Bank's permanent credit card annual fee reduction policy;
Platinum card holders who spend more than 4 million yuan can give the main and auxiliary cards a permanent annual fee-free discount. Individual cardholders of gold cards and ordinary cards who have no bad credit records and have held various credit cards of ICBC for more than 10 years (including 10 years) since the implementation of these Measures may be given a permanent annual fee-free discount for the main and secondary cards in an account. In addition, ICBC does not charge an annual fee for opening credit cards.
Cash expenses in advance:
Local banks have no handling fees; RMB withdrawn from different places is charged at 1% of the amount, with the lowest 1 yuan and the highest 100 yuan; Foreign currency is charged at 2.9% of the amount, with a minimum of HK$ 3, US$ 3 or Euro (including domestic and overseas). Platinum cards are free for domestic transactions.
Interest-free repayment period:
The longest is 56 days, and its accounting date is the last day of each month.
Loss reporting fee:
For each card in 20 yuan, the express fee for card replacement is 20 yuan/letter; Platinum cards are free. Ask for 5 yuan/month/statement two months ago; Platinum cards are free.
Overpayment:
Local counterparts paid more and got it back for free.
Late payment fee:
5% of the unpaid part of the minimum repayment amount, with the minimum of 65,438 yuan +0 yuan and the maximum of 500 yuan; The minimum repayment amount is 65438+ 00% of the overdraft balance.
Installment fee:
If RMB consumption reaches 600 yuan, you can apply for installment payment. Commission for the third installment 1.65%, 3.6% for the sixth installment, 5.4% for the ninth installment, 7.2% for the second installment 1 1.7%, and 24 installments 15.6%. At the same time, the installment fee is charged at one time according to different standards when handling business.
The characteristic is that the fewer stages, the lower the cost. At the same time, it should be noted that the minimum cash advance can not be repaid, and it must be repaid in full. Of course you can't apply for installment payment.
Baidu Encyclopedia-ICBC Credit Card