I would like to ask which ICBC credit card is better

Different types of ICBC credit cards have different characteristics and cannot be generalized. The currently popular products are:

1. ICBC Struggle Card.

This card is suitable for office workers to apply for, and it is relatively easy to apply for both regular and gold cards. Users can enjoy related rights and interests such as tolerance, 0 foreign exchange fees, account security insurance, etc.

2. ICBC Auto Plus Credit Card.

This card is suitable for users with cars to apply for. Users can enjoy a 6% cash back discount when refueling at designated Sinopec gas stations on Sundays, and also enjoy the discounts of the i(I) car card platform (car purchase, car washing, etc.).

3. Universe Financing Credit Card.

This card is suitable for college students to apply for, and the application threshold is low. After successful application, the user will receive two cards, one is a co-branded card and the other is a consumption card specially used for consumption and cash withdrawal on the "Fengqile" platform. Users can enjoy an interest-free period of up to 56 days using this card. .

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Which ICBC credit card is better

Many friends ask which bank’s credit card It's easier to apply. I'm afraid I have to answer you, you have to choose from a commercial bank. The four major state-owned banks will be relatively more difficult. But if you insist on falling in love with the four major state-owned banks, it is recommended that you choose a credit card among them that is easier to apply for, so that the probability of applying for the card will be greater. Let’s take a look at the specific ones.

1. Industrial and Commercial Bank of China: Universe Constellation Credit Card

ICBC’s Universe Constellation Card is relatively easy to apply for, and it is also the main credit card promoted by Industrial and Commercial Bank of China. The appearance and benefits are both online. The key point is that the annual fee is waived during the validity period, which is awesome!

In terms of benefits, as long as new customers make a single purchase, they can receive a one-month VIP membership on Youku or iQiyi, giving them the benefits of being a drama-watching expert. In addition, there are discounts on overseas portable wifi, hotels, and airport parking.

2. Bank of China: Taobao Credit Card

The threshold of Bank of China is actually not too difficult, and the threshold is not very high. You can apply by providing proof of identity and residence. If you are an expert in online shopping, it is easy to apply for this BOC Taobao Card. The annual fee for the first year is waived when you purchase the card, and the annual fee for the following year is waived when you spend 5 times of any amount.

3. Agricultural Bank of China: Beautiful Upgraded Mom Credit Card

This Agricultural Bank of China’s Beautiful Upgraded Mom Credit Card is also easier to apply for. Both gold and platinum cards can waive annual fees based on the number of card swipes. The visa platinum card is also free of annual fees during its validity period.

You can apply for a free trial course of Disney English. There is a 1,200 discount for purchasing the course, an instant discount of 60 for purchases over 350 at Kidswant, and random instant discounts for purchases over 300 at Donkey Mama on Saturdays.

4. China Construction Bank: The most popular card in the world

This card from China Construction Bank is also relatively easy to apply for, and it is mainly more suitable for overseas travel, shopping, etc. Gold and Platinum cards are free of annual fees based on the number of card swipes. Visa and MasterCard cards are free of annual fees during their validity period.

Overseas wifi, discounted air tickets and hotels, cash rebates for overseas purchases, etc. are very suitable for overseas consumption or overseas shopping. It is called CCB’s “magic card”.

This is the introduction to the easy-to-apply credit cards from the four major banks. I hope it will be helpful to you. It is recommended that everyone prepare sufficient information before applying for a card, as well as proof of assets, etc. It can be of great help!

Which is the best way to apply for an ICBC credit card?

The application conditions for an ICBC credit card are relatively strict, especially if the assets do not meet the standards, the card will be rejected easily. In fact, ICBC also has some easier-to-handle cards with looser conditions. Here are three types of cards for you to review.

1. ICBC Endeavor Lang Ping Credit Card: The credit card endorsed by Lang Ping has three levels: regular card, gold card, and simple platinum card. They are all free of annual fees within the validity period and can provide 3 days of repayment. Grace period, free foreign exchange fees, mobile phone insurance up to 1,990 yuan and other benefits. As the main card promoted by ICBC, this credit card has a good credit card acceptance rate.

2. Cosmic Constellation Credit Card: A card type with the theme of the twelve zodiac signs. It is an exclusive black card for young people with good looks. It has two levels: gold card and simple white, both of which are free within the validity period. With an annual fee, you can enjoy service benefits such as a 3-day grace period, 0 foreign exchange fees, 10 times points for purchases on your birthday, free account security insurance + account security lock, etc.

As the main card recommended by ICBC, it is easier to pass the card.

3. ICBC UnionPay Zodiac Credit Card: Themed with the 12 zodiac signs, the card face is designed with seal script and oracle bone inscriptions, highlighting the charm of traditional culture. It has two levels: gold card and platinum card, both with conditional exemptions. Annual fee. It can provide 3-day repayment grace period, travel inconvenience insurance, account security insurance and other service rights, as well as the opportunity to waive the first cloud quick payment of each month, 12306 ticket purchase up to 20 yuan and other discounts.

These three credit cards are all relatively easy to use with ICBC, but each credit card has several levels. It is best to choose a card based on the ICBC star level. For example, Samsung can choose regular cards, and Five-star cards can be used. Choose the gold card, and choose the platinum card for six stars.

Extended information:

How to apply for a credit card:

1. Go to a bank branch to apply, and bank staff will help you complete the application;

2. Apply for a credit card on the bank's official website. Just search your favorite bank on your computer, such as "Industrial and Commercial Bank of China". After entering, you can see the credit card column, and then follow the prompts to apply for a credit card;

Note that to apply for a credit card, you must be over 18 years old, have a stable source of payment, and have good credit. These are the conditions that must be met to apply for a credit card. If you do not meet the requirements, the bank will refuse you to apply for a credit card.

The specific conditions for different credit cards are different, most of them require the following conditions:

1. There are certain age requirements for applying for a credit card: you must have full civil capacity, that is, 18 years old and above;

2. Have legal and stable income and good credit;

3. Provide corresponding identity documents: copy of ID card or military officer's ID card;

4. Employment certification documents. Some banks also require proof of income and financial resources. Proof of financial resources can include a copy of the real estate certificate, a copy of the motor vehicle license, a bankbook, etc. Anyway, the proof of financial resources depends on the individual's repayment ability, which makes it easier to apply for;

5. Documents proving the place of residence, It can be a copy of the household registration book, or certification materials issued by the street, or other certification materials. This is relatively easy to do;

6. There is also an application form to apply for a credit card.

The repayment methods are as follows:

1. Within the card issuing bank

The repayment methods include: card issuing bank counter, ATM, online banking, automatic transfer, telephone Bank repayment, etc. After repayment, the credit card limit will be restored immediately, and the payment will generally be credited to the account after the system processes it on the same day.

2. Weiyintong pos mobile phone

Weiyintong pos mobile phone is a personal payment terminal of the mobile financial system, which can be used to pay directly by swiping the card, or to perform transfers and other services . Instant payment.

3. Transfer/remittance repayment

It is mainly divided into two methods: inter-bank in the same city and inter-bank in different places. Regardless of the method of transfer or remittance, the remittance bank charges a certain fee. At the same time, the time it takes for the money to arrive and the convenience of repayment are not as good as intra-peer repayment, online repayment, convenience store repayment and other methods.

4. Online repayment

The more common domestic online platforms include: UnionPay Online, Kuaiqian, Shengfutong, Alipay, Tenpay, etc. Depending on the platform and bank you choose, the charging standards and specific payment arrival time will be different.

I would like to ask which ICBC credit card is more cost-effective

The following ICBC credit cards are more cost-effective:

1. ICBC World Endeavor Lang Ping Card:

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This card is a RMB gold card with a maximum interest-free period of 56 days, no annual fee, and a cash withdrawal limit of 50%.

2. ICBC China Southern Sky Pearl Peony Card:

This card is a RMB/USD dual-currency general card with an interest-free period of up to 56 days. The annual fee is waived in the first year of opening the card, and the annual fee for the current year is waived if you make 5 purchases or a total of RMB 5,000 in a year.

3. ICBC Kids King Baby Card:

This card is a RMB/USD dual-currency gold card with an interest-free period of up to 56 days. Holding this card can enjoy Swiss Er Dental Clinic offers 15% off on routine treatment, 10% off on major treatment, and a NT$300 teeth cleaning package. If the accumulated card consumption reaches 5 transactions or 5,000 yuan (including the equivalent in foreign currencies) every year, the annual fees of the primary and secondary cards for the year will be automatically reduced.

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The most worthwhile ICBC credit card

1. ICBC Struggle Card< /p>

It is a credit card specially designed for office workers. It is free of annual fees during the validity period of the card and supports time tolerance services. The color of the card is divided according to the level of the credit card. Blue is a regular card, red is a gold card, and black is a platinum card. It has various benefits such as 0 foreign exchange fees, account security insurance, and cash back for fashion brands overseas.

2. ICBC Car Plus Credit Card

It is the best choice for car owners. This card has a rigid annual fee that cannot be reduced. The regular card fee is 100 yuan/card/year. The gold card is 200 yuan/card/year, and the platinum card is 2,000 yuan/card/year. But the benefits are very practical, such as 6% refueling cash rebate at designated China Petroleum gas stations across the country every Sunday, 0 foreign exchange fees, card gifts for new users, and additional platform benefits, such as credit card discounts for car purchases, car washing, maintenance, and driving services. Promotions.

3. ICBC Tuniuniuren Credit Card

One of the must-have credit cards for travel enthusiasts. There are exclusive special offers from ICBC every year. Cardholders can enjoy discounts on annual fees and account security insurance. , 20% off on Tuniu products, free handling fees for multi-currency exchanges and other benefits; the Platinum Card also enjoys travel inconvenience insurance and aviation accident insurance.

4. Cosmic Constellation Credit Card

This card has a good appearance and is suitable for friends who control their appearance. Moreover, compared with other credit cards, the application threshold for this card is lower. , Friends with poor qualifications can also consider starting with a gold card. The benefits that cardholders can enjoy include annual fee reduction, ten times points on birthdays, zero handling fee for foreign currency exchange, and a tolerance of ten yuan for three days. Among them, the Simple Platinum Card can also enjoy free valet parking at designated airports across the country and afternoon tea privileges in five-star hotels.

5. Shangri-La Co-branded Platinum Card

By applying for this credit card, you can enjoy Shangri-La Golden Circle gold membership, cash rebates for luxury stores, and food and accommodation in other high-end hotels. Discounts, etc., suitable for high-end consumers;

6. Jingdong Xiaobai Card

If you apply for this card, you can enjoy a minimum 50% discount on outgoing purchases, meals, etc., and you can also exchange foreign exchange for free etc., suitable for people who spend a lot of money outside;

7. Global Travel Card

As the name suggests, this card is suitable for people who like to travel, because after application, there will be MasterCard + UnionPay The set of two cards is convenient for use at home and abroad.

The above 7 credit cards are the most worthwhile ICBC credit cards. The rankings are in no particular order. Just choose what suits you. Users can choose according to their own needs!

ICBC credit cards are the credit cards with the highest circulation in China. The main types of ICBC credit cards include: Peony International Credit Card, Peony Credit Card, and Peony Credit Card; according to the brand of ICBC credit cards, they are divided into: Peony Visa Card, Peony MasterCard and Peony Express Card; according to credit level, they are divided into: Platinum Card, Gold Card and Ordinary Card; according to the issuing objects, they are divided into business cards and personal cards, of which personal cards are divided into primary cards and supplementary cards.

Which card type is better for ICBC credit cards?

Recommend the following ICBC credit cards with richer benefits and higher credit limits:

1. ICBC Shangri-La Co-branded Platinum Card;

2. ICBC Universe Constellation Credit Card;

3. ICBC JD Little White Card.

These card types are all worth applying for. You can refer to them and choose the most suitable card according to your needs.

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This is the introduction about which credit cards to apply for from ICBC and which credit cards to apply for from ICBC are easy to pass. It's over. Did you find the information you need?