As long as the customer has a payroll agency business with ICBC and has a good credit status, he or she can apply for Yidai credit card through various channels such as ICBC branches in the city and the ICBC portal website. Moreover, Peony Yida Credit Card targets people with new financial concepts, strong consumer desire, good financial management awareness, stable income and certain repayment ability.

The main function of Peony Yidai Credit Card is to realize installment payment. Cardholders use Yidai Credit Card to purchase goods of more than 600 yuan at designated merchants, directly swipe the card at the merchant to make installment payment, and sign the printed receipt for confirmation. Consumption can be completed in real time, and the loan can be truly realized immediately, eliminating the cumbersome procedures of going to the bank to apply for a loan.

The launch of Peony Yida Credit Card is conducive to strengthening the risk management and healthy and sustainable development of the credit card business. The international financial crisis has exposed the problems existing in the traditional Western credit card management model. Yidai Credit Card faces the customer group that ICBC pays wages on its behalf. This group of customers has stable cash flow income. In addition, ICBC has formulated strict risk control processes for Yidai Credit Card's credit approval, marketing, card issuance, merchant management and other aspects. , especially in the repayment process, the Yida credit card is linked to the customer's salary payment account, and the salary payment account is used as the second source of repayment, which effectively reduces the loan risk. For cardholders, they can also avoid the high penalties and interest incurred by "inadvertent" overdue payments in the past.

The application steps are as follows: First, please call the ICBC customer service hotline 95588 and transfer directly to the manual for detailed consultation with "Yidai"; second, go to any nearby ICBC branch, bring your ID card, and Use your salary card (or mortgage card, car loan card, or credit card) to check the "Yidai" loan limit; the third step is to submit relevant information for applying for ICBC Yidai and wait for the bank's reply.