1, "big bank style", the application threshold is relatively high, and in some places, ICBC and branch business personnel will set additional requirements by themselves, so it is difficult to inquire about the card processing process.

2. The service is "humble" and there is little information such as "card guide" (fortunately, Kayou.com can supplement it)

3. The manual service interface is sometimes not good enough, and front-line tellers are sometimes unfamiliar with "advanced" businesses such as credit card business and online banking, which tests the knowledge and patience of cardholders.

4. Although online banking is rich in functions, its interface is not friendly and easy to use, which once again tests users' knowledge and patience.

5. The card return procedure is complicated: you need to go to the counter, and it seems that you have to go twice. Now some areas can support the cancellation of 95588 calling cards.

6. The RMB account and foreign currency account of international cards are independent of each other, so it is impossible to directly increase the available foreign currency quota by depositing RMB.

7. Fixed as a natural month, monthly 1 pays the bill of last month, and 25th is the final repayment date, which cannot be modified, which may bring inconvenience to some cardholders.

8. There is no 800 telephone. Although 95588 provides roaming function, it doesn't need long-distance charges, which is inconvenient for some cardholders who like to talk completely free of charge.

9. Recently, the system upgrade of ICBC has been frequent. In addition to the business suspension caused by the upgrade itself, there are also failures. If you only use ICBC's card, you may encounter embarrassment (although the probability is small).

10. Some people think that the card face design of ICBC is not good-looking. Personally, among the common ICBC cards, the ugliest is PetroChina Express, followed by the pig card, and then the ordinary PetroChina.

1 1. ICBC online banking does not provide "actual bills payable this month" query. Some cardholders think that if the bill is paid several times, they may not remember how much to pay back in the future, and it is ok to pay back the bill (I personally think this is not a problem).

12. The display of "consumer place/business name" in the bill is often messy and confusing.

The advantage of ICBC's credit card is 12, for the reference of friends who need to apply for a credit card. The copyright of this article belongs to Mr. 50e.

1. All ICBC cards and local banks are free of handling fees.

2. ICBC credit cards and ICBC counter deposits are all free nationwide.

3. If you have an ICBC international card, ICBC online banking all over the country will remit money to you for free.

4. All purchases can be reminded by SMS, free of charge.

5. There are three ways to choose the consumption password: no password is needed for all transactions; All transactions require a password; A password is required for transactions exceeding the limit.

6. All ICBC cards can make online payment after registering online banking and opening the "e-commerce" function; If you use U shield, there is no limit to online payment.

7. ICBC credit cards are charged on a natural monthly basis, which is convenient for memory (for some cardholders, it may be inconvenient not to adjust the billing date).

8. The longest interest-free period of a credit card is 56 days.

9. ICBC's RMB credit card does not charge interest on the repaid part when it is not fully repaid, which is unique among all bank credit cards.

10. There are many kinds of cards, including quasi-credit cards, RMB credit cards (ready to upgrade to dual currency, which has not yet officially started) and international credit cards (US dollars, euros and Hong Kong dollars); VISA, MASTER, AE and UnionPay standard cards are available.

1 1, many outlets, good card collection. It is rare to hear that ICBC cards are not accepted in places where you can swipe your card.

12. Most cards have independent credit lines (newly issued credit cards of 62,223 RMB are shared, such as pig credit cards and sports cards of "Dream Journey" series), and RMB accounts and foreign currencies of international cards are independent of each other (some people may prefer to share credit lines under some special circumstances).