This Shanku card is used for small and fast payments.

1. The card type of the flash memory card is a personal card, and the card medium is a contactless chip card. Flashcards are swiped contactlessly for quick payments, eliminating the need for PINs and signatures.

2. The Shanku Card cannot be used for cash withdrawal, transfer and online consumption, and the maximum amount of electronic cash cannot exceed 1,000 yuan.

3. ICBC Shanku Card is a supplementary card of ICBC personal credit card. All payments are included in the attached credit card account and are repayable in accordance with the credit card repayment rules. Flash cards can be used for offline small-amount quick payments, but cannot handle cash withdrawals, transfers and online purchases.

1. Shanku card products have the following characteristics: multiple forms of choice. Flash Cards offers many forms of flash card products. Users can choose independently according to their own characteristics and preferences. Available immediately. As long as users hold an ICBC personal credit card (excluding escape credit cards), they can immediately apply for a flash card at an ICBC branch. Fast payment: When users use flash cards to make small purchases, they only need to tap the card in front of the sensor to complete the transaction, without password input or signature. At the same time, users can independently set a payment limit of less than 1,000 yuan to ensure the safety of funds to the greatest extent. Cards are small. Compared to standard credit cards, flash memory cards are small and easy to carry. There are more than 600,000 contactless fast payment acceptance devices with the UnionPay logo across the country, covering departments, restaurants, cinemas, entertainment, supermarkets and other industries.

2. There are five hidden dangers in bank “sleeping cards”

Hazard 1: Affecting personal credit records. As long as the credit card application is approved by the bank, the card will appear on the cardholder's credit report whether it is issued and activated. Cardholders are likely to default on annual fees without knowing it, affecting their personal credit history.

Hazard 2: Increased cardholder expenditures. For some special credit cards of individual banks, regardless of whether they are opened or not, once the cardholder signs and confirms, the bank will charge an annual fee to increase the cardholder's consumption.

Hazard 3: Increased risk of theft. A "sleeping card" remains dormant for a long time and is not easily noticed by the cardholder after being obtained by others, greatly increasing the risk of being stolen.

Hazard 4: It lays hidden dangers for buying and selling accounts, opening accounts under false names, and opening accounts under false agency relationships. According to the public security agency, in the current new illegal and criminal activities on the telecommunications network, one of the bank accounts and payment accounts used by criminals to transfer fraudulent funds is to directly purchase bank accounts and payment accounts opened by individuals.

Hazard 5: Waste of management resources. This results in a waste of bank management resources, and long-term fixed accounts have also become an internal risk point for the bank.