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.
Peony quasi-credit card is a quasi-credit card issued by Industrial and Commercial Bank of China. The cardholder deposits a certain amount of reserve fund according to the regulations. When the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the specified credit limit. Peony quasi-credit card can be settled in RMB at UnionPay acceptance points in China, Hongkong, Macau, Thailand, South Korea, Singapore and other regions, and has the functions of transfer settlement, cash deposit and withdrawal, credit consumption and so on. 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 quasi-credit card has stopped issuing. Peony Credit Card and Peony International Credit Card, which truly meet the needs of the public, are the development direction.
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What is the general card of industrial and commercial credit card?
ICBC credit card is the credit card with the highest circulation in China. At present, there are many types of ICBC credit cards. I'm going to explain the general card of industrial and commercial credit card to you, hoping to help you.
Industrial and commercial credit card ordinary card content
The differences among ICBC credit cards, gold cards and platinum cards are as follows:
1, line
General card (with a quota of 0- 1 10,000 yuan), gold card (with a quota of 1 10,000-50,000 yuan) and platinum card (with a quota of more than 50,000 yuan 1 10,000 yuan).
2. Annual fee standard:
The annual fee for domestic ordinary cards is 50 yuan, gold card 100 yuan, international dual-currency card 100 yuan, gold card 200 yuan, business ordinary card 200 yuan, gold card 400 yuan and platinum card 2000 yuan.
3. Free annual fee policy:
The annual fee for all supplementary cards is half of the annual fee for the main card, and the annual fee for the following year is exempted for five times for the Puka Gold Card, and the annual fee for the current year is exempted for five or five thousand yuan (three student cards or 3,000 yuan, and 654.38+060,000 points for the Platinum Card are exchanged for the annual fee or 200,000 yuan). Platinum cardholders who spend a total of 4 million yuan can be given a permanent annual fee-free discount for the main and deputy cards, while ICBC credit cards do not charge annual fees.
4. Preferential policies for card use;
ICBC credit cards with different joint themes, such as Platinum Card, Gold Card and Puka, enjoy different promotional preferential policies at different times. Platinum card enjoys discounts and discounts compared with gold card, and gold card enjoys discounts. For details, please refer to the real-time promotion activities of ICBC Credit Card in official website.
The main characteristics of China Industrial and Commercial Bank credit card
Consumption first and then repayment, enjoy interest-free repayment period.
Peony credit card does not need to deposit the reserve fund, and the cardholder can spend first and then repay within the credit limit given by the bank. And there is an interest-free repayment period. Cardholders can enjoy an interest-free repayment period of at least 25 days and at most 56 days from the date of consumption (except cash withdrawal and transfer).
Enjoy the preferential service of the national special merchant network.
Cardholders can enjoy the convenient and thoughtful service of special merchants when they join the ICBC Peony Card National Special Merchants Network for air ticket reservation, hotel accommodation and catering, car rental service and car rescue, and the price is relatively favorable.
Adequate credit consumption and quota
After confirming that the cardholder meets the application conditions, the card issuer shall, according to the cardholder's personal credit status, verify the credit line suitable for the cardholder's consumption demand, with the maximum not exceeding RMB 50,000. The credit limit increases with the improvement of the cardholder's credit status.
Convenient consumption, courtesy and restraint.
Cardholders can not only easily swipe their cards to complete consumption, but also get corresponding points according to accumulated consumption. When the points reach a certain score, you can enjoy different kinds of value-added services and consumption rewards, such as points for mileage, points for grand prizes and so on.
Flexible repayment method
Business outlets-any ICBC business outlets can repay, and the repayment will be received on the same day in this city;
Telephone Banking-Transfer money from other personal accounts to Peony Card account through the telephone banking system of Industrial and Commercial Bank of China.
All-weather service, carefree.
Telephone banking and online banking services have been opened, and cardholders can call the customer service hotline for consultation or account inquiry 24 hours a day. If you lose your Peony RMB credit card, no matter where you are, you can stop paying urgently through the customer service hotline.
China Industrial and Commercial Bank Credit Card Value-added Service
1, peony credit card VIP service
Customers include: Peony Credit Card (Platinum Card, Gold Card) customers of Industrial and Commercial Bank of China.
The service scope includes:
I. Basic services
1. Basic counter services: you can enjoy priority channel treatment, card application, account inquiry, electronic statement application, credit line adjustment, credit card confidential line application, card upgrade and other services.
2. You can also enjoy self-service such as 4006695588 special line and online banking provided by Peony Credit Card VIP Customer Service Center.
Second, emergency assistance services.
1. Emergency loss reporting: If your card is stolen or lost, you can immediately report the loss to Peony Credit Card VIP Customer Service Center. At the same time, you can also call our 7×24 hour 4006695588 service line to report the loss.
2. Emergency cash withdrawal: If you need to withdraw RMB urgently after your card is stolen or lost in another place, Peony Credit Card VIP Customer Service Center can provide you with emergency cash withdrawal service. You can withdraw no more than RMB 2,000 in cash (no more than RMB 65,438+00,000 in platinum card) on the premise of not exceeding the available credit limit of peony card account.
3. Emergency card replacement: If your card is stuck due to theft, loss, expiration, magnetic stripe damage, information error, etc. Peony Credit Card VIP Customer Service Center will accept your application for card replacement in time. After 5 working days, you can go to Peony Credit Card VIP Customer Service Center to get a new card with your ID card and card receipt voucher.
Third, value-added services.
Services include local tourism consultation, shopping consultation, guidance and reservation of preferential merchants, and consultation on local special promotions.
2.24-hour national highway car rescue special offer
Pay with Peony Platinum Card, you can enjoy a 30% discount on the price of the National Rescue Member of China United Car Alliance, and pay with Peony Zhong You Dual-currency Credit Card, you can enjoy a 20% discount on the gold card and a 10% discount on the ordinary card on the price of the National Rescue Member of China United Car Alliance.
Tips:
What types of credit cards does ICBC have?
According to different standards, ICBC's credit cards are divided into different categories, which can be roughly divided into: peony standard credit card, peony joint credit card and peony theme credit card. Other classifications are as follows:
1. ICBC credit cards are divided into: Peony Visa Card, Peony MasterCard and Peony American Express Card by brand;
2. According to the credit rating, it is divided into: platinum card, gold card and ordinary card;
3. 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.
I. Peony Standard Credit Card
Peony RMB Credit Card is issued by Industrial and Commercial Bank of China, and adopts the internationally accepted circulating overdraft consumption mode. The card issuer gives the cardholder a credit line according to the credit status of the cardholder, and the cardholder will spend first and then repay within the credit line.
Second, Peony Joint Credit Card
Joint credit card is a derivative product of peony card issued by commercial banks in cooperation with various institutions, and the logo of joint unit is printed on the card surface. The essence of its operation mode is that banks introduce preferential value-added services from another industry through the resources of joint partners, so joint cards not only have the financial service function of general credit cards, but also can enjoy discounts or other special services from joint companies.
Third, peony theme credit card
There are many kinds of peony theme credit cards. For example, Peony Food Card is a theme credit card issued by China Industrial and Commercial Bank, with the connotation of "love food and love life". Cardholders can not only enjoy the basic financial functions and services of ICBC Peony Credit Card, but also experience the preferential treatment of ICBC catering merchants all over the country, and enjoy the warm service provided by ICBC while enjoying the delicious food.
Extended data:
ICBC 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.
References:
ICBC Credit Card-Baidu Encyclopedia
What kinds of ICBC credit cards are there?
1. Divided into ordinary cards, gold cards and platinum cards according to grades; 2. Divided into RMB cards, single currency cards and multi-currency cards according to accounts; 3. According to the repayment responsibility, it is divided into corporate responsibility business card, corporate responsibility personal card and personal responsibility personal card; 4. According to the card issuing object, it is divided into company (business) card and personal card, in which personal card is divided into main card and subsidiary card attached to main card (subsidiary card); 5. According to the brand, it is divided into brand cards such as Peony UnionPay Card, Peony Visa Card, Peony MasterCard, Peony American Express Card and Peony JCB Card.
The credit card limit of ICBC is 3000- 10000 RMB, the gold card limit is 1000-50000 RMB, and the platinum card limit is more than 50000 RMB. The amount of the first card is affected by the user's credit status and assets, but the user insists on repayment on time and has the opportunity to raise the amount in about three months. You can avoid the annual fee if you use ICBC's ordinary card and gold card for 5 times, and there is no handling fee for ICBC's credit card to withdraw cash at the local ATM.
Cardholders can not only easily swipe their cards to complete consumption, but also get corresponding points according to accumulated consumption. When the score reaches a certain value, you can enjoy different kinds of value-added services and consumption incentives. ICBC credit cards can be repaid at any branch of ICBC and on the same day in this city.
What's the difference between various credit cards of ICBC?
The difference between ICBC credit card gold card and ordinary card is as follows:
1. The credit line is different.
The credit line of ICBC credit card gold card and ordinary card is very different. The credit limit of a general card is generally 3000 yuan to 10000 yuan, while the credit limit of a credit card gold card is usually 10000 yuan to 50000 yuan, which is much higher than that of a general card.
2. The annual fee is different.
Because the amount of gold card is higher, the annual fee of credit card gold card is much higher than that of ordinary card. Take Peony Dual-currency Credit Card as an example. The annual fee for a gold card is 200 yuan, and the annual fee for an ordinary card is only 100 yuan.
3. Different quotations.
Because the credit card gold card is higher than the ordinary card, there are usually some discounts that the ordinary card does not have.
Extended data:
The popular types of ICBC credit cards are as follows:
1, ICBC Monetary Fund Credit Card (UnionPay).
Standard quasi-credit card financial function; Clever financial management and intelligent investment; Automatic redemption and intelligent repayment; The deposit bears interest and the income is tax-free.
2. ICBC Air China Companion Peony Credit Card (American Express).
Flexible currency choice, take you around the world; Many miles, easy and affordable; Global car rental, driving the world; Easily accumulate and redeem offers; Enjoy the golf reservation service.
3. ICBC Southern Airlines Pearl Peony (Group Customer) Commercial Credit Card.
Distinguished customers identification of China Southern's major customers; Safe and quick account balance change reminder; Revolving credit, sufficient interest-free repayment period; One card, two coins, universal; Comprehensive business travel insurance.
4. ICBC Anbang Credit Card (UnionPay Puka).
Deposit and withdrawal, consumption real-time arrival; Real-time SMS balance change reminder; 24-hour online banking and telephone banking services; Year-end financial settlement billing service; Paper or electronic reconciliation service.
5. ICBC Peony Netcom Credit Card (China UnionPay Silver Card).
You can agree on automatic repayment of the account; Can shop online at home and abroad; 24-hour online banking and telephone banking services; Self-service quota adjustment service; Year-end financial settlement billing service; Paper or electronic reconciliation service.
Industrial and Commercial Bank of China-Card World
So much for the introduction of the industrial and commercial credit card Puka.