Pay off the balance before the repayment date, and you can use the funds now.

1. Before using an ICBC credit card, you must apply for an ICBC credit card. When applying for an ICBC credit card, it will go through a very strict review process to see if you have the ability to repay the loan. If If so, it will give you the qualifications to apply for a credit card, and it will also determine the overdraft limit you can have based on your repayment ability.

2. After the credit card application is completed, we can go to shopping malls, supermarkets or online Taobao. For shopping and consumption, we can use credit cards to pay. It is very convenient to just review. You only need to swipe your card, enter the payment password, and sign your name.

3. Repayment is also very convenient. Generally, the repayment time for credit cards is on the 15th of each month. We can apply for a savings card and bind the savings card to the credit card. Every month, the repayment time is on the 15th. , the credit card will automatically be deducted from the savings card, and the amount we consumed last month will be enough.

4. Of course, if we feel pressure to repay the loan, or if we spent too much last month, we can apply to ICBC. Repaying the loan in installments can reduce our stress. Installments can be divided into three months, six months or 12 months. Different installments have different interest rates.

5. When using credit cards, you must spend according to your ability. Sometimes the credit card limit is very large, tens of thousands. We must control ourselves when spending, do not spend excessively, and make it according to the limit. Spend according to your own ability.

6. If you accidentally overspend and you can't afford it at the time, you'd better find a way to pay it back, because if you don't pay it back, you'll have exceeded your repayment amount. After the term, the daily interest is very high. It is generally twice the usual borrowing interest. So we have to pay it off in time. Extended information

Report loss at an outlet

If a cardholder loses his or her credit card, he or she can apply for a loss report at a nearby ICBC outlet. Loss reporting applications can be made at any ICBC outlet, and there is no need to go to the card issuing outlet to report the loss. Applying for a loss report at an outlet is a formal loss report. If you need to cancel the loss report, please go to the Peony Card issuing department in the region where your credit card account is located to handle the relevant procedures.

Self-service loss reporting

Self-service loss reporting means that you can temporarily report the loss of your online banking or telephone banking registered card, linked card or linked account to fully protect the security of your funds. .

Features and Advantages Service Channel Application Conditions Operation Steps Notes

A. Features and Advantages

It is convenient for you to register a card, link a card or link an account If it is accidentally lost, you can effectively avoid financial losses by promptly completing the temporary loss reporting procedures.

B. Service channels

"Financial@Home" personal online banking, telephone banking

C. Application conditions

1. Registration "Finance@Home" personal online banking

2. Registered customers of personal telephone banking can use the self-service loss reporting function of telephone banking to report loss. If you have not registered for personal telephone banking of our bank, you can also use the manual service of telephone banking. Report loss.

D. Notes

1. Reporting the loss of international cards cannot be handled through online banking. Please make a formal loss report through telephone banking.

2. All types of bank cards and accounts (except international cards) can be reported online for loss through online banking. This type of loss report is temporary and is generally valid for 5 days. To ensure the safety of your funds, please Go to an ICBC business outlet to complete the written loss reporting procedures within five days. Expired loss reports will become invalid.

3. After reporting the loss of the registered card, our bank will stop the business handled with the card, such as ATM cash withdrawals and POS consumption, etc., but the card will retain the function of entering online banking. Money-link cards and Elite Club account cards cannot conduct account inquiries, transfers, payments, etc. on the card or linked sub-accounts in online banking; credit cards, debit cards, and business cards can conduct account inquiries in online banking, but cannot make transfers or payments. and other functions.

4. After reporting the loss of the linked account, our bank will stop the business handled with the account, such as cash withdrawals; after reporting the loss of the linked card, our bank will stop the business handled with the card, such as ATM cash withdrawals and POS consumption, etc. .

5. After reporting the loss of Peony credit card and Peony credit card through telephone banking, the loss report will be valid for a long time. After reporting the loss, customers must go to our bank's Peony Card Center to report the loss in writing before they can apply for a card replacement.

6. We can only temporarily report the loss of our bank’s wealth management gold cards, transportation cards, money cards and passbooks through telephone banking. After applying for temporary loss report, customers must go to our bank's business outlets to go through formal loss report procedures within five days, otherwise the temporary loss report will automatically become invalid after five days.

7. When handling self-service loss reporting, if the following "error prompt" appears, please operate according to the prompt:

·Such accounts cannot self-service loss reporting, please go to the business outlets

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·Others’ accounts cannot be reported as lost, please re-enter

·The account has been canceled/reported as lost/frozen

·The account code is wrong, please re-enter

Reference: Baidu Encyclopedia-ICBC Credit Card