Advantages of ICBC:
1 The local cash withdrawal fee is unconditionally waived.
2 Cash withdrawal, cash installment and credit loan fee/interest are the lowest, and the cash withdrawal amount is not affected. In some areas, fees can be charged by stages, and no subsequent fees will be charged after prepayment, and there is no penalty interest. Cash installment can be cancelled on the same day.
2 default interest for insufficient minimum repayment.
3 the starting point of bill installment is low, and the handling fee is low
4 long interest-free period
5 free SMS reminder
6 There are basically no sales calls, few risk control calls, and a large number of credit cards are brushed, and the risk control is almost the loosest.
Starting from the second card, cards of the same level can choose independent accounts or multiple cards can share accounts. The latter is similar to China Merchants Bank system, and accounts are shared. However, the annual fee waiver of each card in China Merchants Bank system must be counted separately. For example, 10 unionpay gold card must be swiped 6 times to avoid the annual fee, while ICBC can avoid the annual fee as long as 10 card is swiped 5 times. The same is true for platinum cards.
8. All the cards that have been downloaded are approved in batches of 100% seconds, 100% will not be checked for credit information, and 100% will not be published in newspapers.
9. Launch the annual fee-free platinum card from time to time.
10 You can apply for manual cash withdrawal at least once a month from the card opening. After the recommended limit of the system is exceeded, the withdrawal range of low-value cards is often 5-10 times, and the withdrawal range of tens of thousands of cards is often 1W to several w.
1 1 Some types of cards are opened during the promotion period, and the annual fee is free for life.
12 instant repayment is convenient for foreign currency consumption. At this point, return to manual foreign exchange purchase repayment and foreign currency repayment.
There are three kinds, which are advantages for some people and disadvantages for others, depending on the demand.
1 Standard and universal multi-currency cards are exempt from all foreign currency conversion fees. 10 is recorded in the local currency, and repayment can be made directly in the local currency. Repayment of foreign exchange purchase is not affected by real-time exchange rate fluctuation, so you can choose the best time to repay foreign exchange.
The repayment order is interest first, then interest-free, that is to say, cash withdrawal first, then bill.
3. The withdrawal amount mainly depends on the stability of work income and assets, and there are not many cards with a protection fee of at least 10W. Except in a few areas, it is not difficult to withdraw cash from 20W to 10W and from 10W to 5W. Even if only a few hundred cards are swiped every month, most of them are paid by 0.38 and online.
Advantages and disadvantages analysis of ICBC credit card!
ICBC credit card has always been a headache for many cardholders, and it has even been dubbed as "Aunt Card". But in fact, ICBC credit card has stood for so long, and its advantages are still obvious. Let me sort out the advantages and disadvantages of ICBC credit cards!
1. Advantages of ICBC Credit Card:
1, the first holder in the industry, the leading bank in China, with a high B! It is of great reference value for most joint-stock commercial banks to handle cards with cards. The most business outlets! There are more than 30,000 outlets nationwide, which is convenient for business.
2. Cash withdrawal without card is supported! With the advantage of many outlets, you won't be embarrassed without cash or cards! Of course, the cost of withdrawing cash by credit card is very high!
3, the installment fee is the lowest in the country! Half of the installment fees of other banks are even lower.
4. ICBC's credit card and ordinary card have no upper limit! Most gold cards and ordinary cards in other banks have an upper limit of 10W, while China Merchants Bank has an upper limit of 6W. ......
Second, the shortcomings of ICBC credit card:
1, the bid threshold is too high, the quota is too low, and there are even cards with a quota of 0;
2. Banks don't have 800 telephones, and 400 telephones are not open to individual users;
3. SMS service fee 2 yuan/month;
4. The points needed to exchange gifts are high, and there are few kinds of gifts.
The above is the analysis of the advantages and disadvantages of ICBC credit card that I introduced to you! I hope this article I compiled is useful to you. Want to know more about credit cards, I suggest you pay attention to Jintou Credit Card!
Disclaimer: The operation suggestions in this paper only represent the views of third parties and have nothing to do with this platform. Investment is risky, so be cautious when entering the market. Deal with it accordingly at your own risk.
Is ICBC credit card easy to use?
ICBC credit card is quite easy to use. If it is an ordinary card, you can avoid the annual fee as long as you spend it five times a year.
However, if it is the first time to use the card, you must first understand the repayment situation of the credit card, otherwise it will easily lead to overdue repayment, which will not only cost you more money, but also affect your credit.
As long as you take the time to understand clearly, credit cards are definitely a good thing.
How about ICBC credit card?
All right.
ICBC Credit Card has the following advantages: ICBC Credit Card is the best credit card in China, which can enjoy a maximum interest-free period of 56 days, and local withdrawals are free of cash withdrawal fees and handling fees. Moreover, ICBC has many business outlets, which can withdraw cash from any bank in China, and supports organizations such as Visa International, MasterCard and American Express Bank, as well as POS card swiping services in any store.
1. ICBC's credit card withdrawal is equivalent to debit card and savings card, and no extra handling fee will be charged for the withdrawal amount.
2. ICBC credit cards have card issuers all over the country, which is convenient to apply and fast to issue cards. You can apply online and open the card immediately after you get it. It usually takes no more than 2 weeks from sending an email to receiving a greeting card.
3. All domestic transactions will be recorded in real time, and the points will be queried in real time, with high efficiency.
4. If the account is not overdrawn, the withdrawal is interest-free. And it can be taken out on the same day, which is convenient and fast.
ICBC credit card is the credit card with the highest circulation in China. The main types of ICBC credit cards are: 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.
ICBC credit card application conditions are:
1. You must meet the age requirement of 18 to apply for an ICBC credit card.
2. Applying for an ICBC credit card requires a stable job and a legitimate source of income.
3. If the applicant has a high position, high education, high income and good company, the pass rate of applying for ICBC credit card can be greatly improved.
4. Applying for an ICBC credit card also requires a certain economic foundation.
5. If you want to apply for a credit card with a higher credit card rating of ICBC, the applicant needs to provide certain financial certificates to the bank, such as stock securities, real estate license with the applicant's name on it, automobile driving license, bank deposit certificate, etc.
6. To apply for an ICBC credit card, you need to be a natural person with full civil capacity.
7. There is another necessary condition. Applicants need to have good personal credit information, because ICBC pays more attention to the personal credit information of cardholders.
How about ICBC credit card?
ICBC is a state-owned enterprise. China Industrial and Commercial Bank is a state-owned bank, which is a large bank directly managed by the Ministry of Finance. It is also one of the four largest banks in China, with a relatively strong customer base. Its main operation mode is to unify the management system of commercial banks authorized by legal persons, and its main goal is to achieve development and stability and improve economic benefits.
ICBC can provide 24-hour online telephone service. If you have any questions, you can call online customer service at any time to solve them. But also provides electronic and paper reconciliation services, which can bring great convenience to customers.
The advantages of ICBC credit card are:
1. Interest-free day. The longest interest-free days of ICBC reach 56 days, so you can provide more days for your repayment.
Second, SMS reminder. When handling credit card customer service in ICBC, if the arrears on your card are due, the system will send a free text message to remind everyone to repay in time. In order to avoid being too busy to pay back the money, there will be more overdue fines on the bill.
Third, it can be repaid automatically. ICBC has its own software, on which you can set which card to use to automatically return when the credit card expires, so that you don't have to go to the bank to deposit money and pay back the money, just bind it directly with the savings card.
Fourth, enjoy the points. When credit card consumption will save points for customer service, points can be used for consumption and shopping, so when everyone has enough points, they can collect items according to points on the network software platform.
Five, provide 24-hour service telephone. All questions about ICBC have a 24-hour service telephone number. When you have questions about ICBC, you can call the manual service number.