Advantages and Disadvantages of ICBC Army Soul Card
Many discounts; 3-day grace period; free inter-bank transfer; inconvenient to use. ICBC Military Spirit Credit Card is an exclusive credit card tailor-made by ICBC for military personnel, military families, and military fans across the country. It is a UnionPay single-logo single-currency card with a gold card level. The advantages of the Military Soul Card are:
1. There are many discounts. Within 3 months after the card is activated, you can enjoy the discount service of aircraft upgrade if you make 3 purchases.
2. The grace period is 3 days, and the unpaid portion of the minimum repayment amount of the bill less than 10 yuan (inclusive) is deemed to have been repaid the minimum repayment amount.
3. Inter-bank transfers are free and equipped with a series of preferential financial products and precious metal products with low starting points and high interest rates.
4. The disadvantage is that ICBC's financial products have many restrictions. Most of the troops are in mountainous areas, and ICBC has few outlets, making them inconvenient to use.
Can non-military personnel apply for the Industrial and Commercial Military Soul Card
Yes.
The ICBC Military Spirit Credit Card is not only applicable to military personnel. Soldiers, military family members, and military fans can all apply for this credit card. Judging from the scope of the card released by ICBC, the ICBC Military Spirit Credit Card is mainly issued to three categories of people: military personnel (including active duty and retired), military family members, and military fans. As long as the applicant meets the ICBC card application conditions, you can try it. applied for.
What are the rights and interests of the ICBC Military Soul Card:
1. Soldiers who hold or have held the ICBC Military Service Card, Military Security Card or Military Pay Card auxiliary card and Their family members, who successfully applied for the Military Soul Card in 2017 and made three purchases within three months after opening the card, can use the Military Soul Card to purchase domestic flight or train tickets and enjoy free upgrades.
2. Cardholders enjoy a 3-day repayment grace period. At the same time, on the due repayment grace date, if the unpaid minimum repayment amount of the previous period's bill is less than or equal to 10 yuan, it will be deemed to have been paid. Pay the minimum payment.
3. ICBC Military Spirit Credit Card is equipped with "Yongjunbao" deposits, "Great Wall Series" financial management, themed precious metals, military exclusive insurance, military "e-borrowing" credit consumption loans, and military security card inter-bank fees A series of exclusive products and services for military personnel such as exemptions and reductions, service star upgrades, etc.
Internal reform:
The Industrial and Commercial Bank of China stated that in 2019, in accordance with the deployment of the State Council, the Ministry of Finance promoted the implementation of the reform of the salary determination mechanism of state-owned financial enterprises and determined the total salary in accordance with market-oriented principles. The total salary is linked to the overall operating conditions, and decisions are made after corporate governance procedures are implemented. As of now, ICBC has no unified arrangements for salary cuts.
Bank card business:
ICBC is the largest credit card issuer in China and one of the issuers with the most complete range of credit card brands. New products such as Euro Credit Card, Peony Express Business Card, Peony UnionPay Card, Peony Sports Card, and the new version of Peony Transportation Card have been launched successively; the establishment of channels such as business outlet service system and VIP customer service center has been promoted; the Bank has actively selected overseas institutions to issue cards as agents, and further strengthened cooperation with Cooperation with international card organizations.
What’s so special about the ICBC Military Soul Card?
What’s special is that this card is an ICBC UnionPay single-logo gold card, classified according to the Army, Navy, Air Force, Rocket Force and Strategic Support Forces 5 The major military branches are divided into 5 types of card faces, which are mainly issued to three categories of people: military personnel (including active duty and retired), military families, and military fans.
What are the benefits of the Industrial March Army Soul Card:
1. Annual fee exemption. The ICBC Military Soul Credit Card is valid for 10 years, and cardholders enjoy an unconditional annual fee exemption during the validity period of the card.
2. Play military games for free. Cardholders of the ICBC Military Soul Credit Card can register for free on the "Orangutan Kaleidoscope" APP and play military games.
3. "Time tolerance" rights. As we all know, overdue ICBC credit cards do not enjoy the "time tolerance" service for overdue repayments, but ICBC Military Soul Card cardholders enjoy special rights. Enjoy a 3-day repayment grace period. At the same time, on the due repayment grace date, if the unpaid portion of the minimum repayment amount of the previous period's bill is less than or equal to 10 yuan, it will be deemed that the minimum repayment amount has been paid.
4. Free class and seat upgrade rights.
All military personnel and their family members who hold or have held our military service card, military security card or military salary card auxiliary card in 2017 can successfully apply for the military soul card in 2017 and make three purchases within three months after opening the card. , you can use the Military Spirit Card to purchase domestic flight or train tickets and enjoy free class and seat upgrades.
5. Exclusive financial services for military personnel. The ICBC Military Soul Credit Card is equipped with a series of features such as "Yongjunbao" deposits, "Great Wall Series" financial management, themed precious metals, military exclusive insurance, military "e-borrowing" credit consumer loans, military security card inter-bank fee reductions, service star upgrades, etc. Products and services exclusive to military personnel.
Industrial and Commercial Bank of China (INDUSTRIALANDCOMMERCIALBANKOFCHINA, ICBC for short) was established on January 1, 1984. The head office is located at No. 55 Fuxingmennei Street, Beijing. It is a large state-owned bank managed by the central government and a national deputy ministerial level unit. The basic mission of ICBC is to raise social funds through domestic and foreign financing activities in accordance with national laws and regulations, strengthen credit fund management, support enterprise production and technological transformation, and serve my country's economic construction.
Through more than 21,000 domestic institutions, 100 overseas branches and thousands of agency banks around the world, ICBC uses leading information technology and electronic networks to serve more than 8 million corporate customers and 100 million Multiple individual customers are provided with a full range of financial services in domestic and foreign currencies, including wholesale, retail, electronic banking and international business. As of the end of 2004, the company had more than 3,700 cash management contract customers and provided cash management services to 19,600 upstream, downstream or affiliated units of these customers; the number of personal consumer credit customers was 3.97 million, with a loan balance of 483.9 billion yuan; personal financial business The total number of high-end product-Elite Club account customers exceeds 1.24 million.
What are the benefits of the Military Soul Card?
For all military personnel and their family members who hold or have held the Military Service Card, Military Security Card or Military Salary Card auxiliary card of the National Bank of China, 2017 If you successfully apply for a Military Soul Card within the year and make three purchases within three months after opening the card, you can use the Military Soul Card to purchase domestic flight or train tickets and enjoy free class and seat upgrades.
Cardholders enjoy a 3-day grace period for repayment. At the same time, on the due repayment grace date, if the unpaid portion of the minimum repayment amount of the previous period's bill is less than or equal to 10 yuan, it will be deemed that the minimum repayment amount has been paid. Repayment amount.
ICBC Military Soul Credit Card is equipped with "Yongjunbao" deposits, "Great Wall Series" financial management, themed precious metals, military exclusive insurance, military "e-borrowing" credit consumption loans, military security card inter-bank fee reduction, A series of military-specific products and services including service star improvement.
What should I do if the limit of the Industrial Marching Soul Card is too low?
1. Frequently swipe the card
Every bank’s credit card limit increase technique requires the cardholder to swipe the card frequently, and the same is true for the ICBC Military Soul Card. No matter whether it is large or small amounts, it can be swiped anywhere, and the types of merchants should be as diverse as possible. There are more card swipes in physical stores than online shopping. To successfully raise the credit limit, it is best to ensure that the consumption in each billing period reaches about 80 of the credit card limit.
2. Purchase financial products
In ICBC online banking, you need to pay a small handling fee to trade precious metals through the financial investment section. You can do this: open ICBC online banking U-shield, debit card, and then link the General Soul Card to the savings card online banking. Then go to the bank counter to open a precious metals trading account, then deposit some money with your debit card, buy some precious metals and trade several times. After that, I wanted to apply for a credit card limit increase because I didn’t have enough funds.
3. Provide additional proof of financial resources
If the limit of the ICBC Military Soul Card you applied for is too low, do not rush to cancel the card. If you have new financial proof documents, you can submit them to the bank. , such as real estate certificates, vehicle ownership certificates, large deposit receipts, etc. The deposit must be deposited with ICBC.
4. Maintain a good credit record
The basic condition for credit card limit increase is that the cardholder has good consumption and repayment habits. If the bank has doubts about your consumption behavior , such as cashing out, it will be difficult to raise the limit. If it is overdue, it will also affect the bank's trust in you and affect the raise.
Which ICBC credit card is the best to use? There is a lot of choice!
The number of people who want to apply for a credit card has increased dramatically. Among many banks, ICBC is actually more ideal, but you need to have better credit conditions, especially the star rating of ICBC is very important. Today I will introduce to you which ICBC credit card is easy to use, and I will introduce it with conscience.
ICBC credit card rankings, all the hot deals are here!
Lifestyle consumption: ICBC China Resources Co-branded Card
The cards are rich in levels, including regular cards, gold cards, and platinum cards, which can meet the card application needs of customers with different credit conditions.
Card holders enjoy dual benefits, one is ICBC credit card finance and discounts; the other is China Resources Pass premium/exclusive membership. 399 CR Touch points can be redeemed for cash coupons at China Resources Vanguard, Ole’s Supermarket, Pacific Coffee, MixC, Didi Private Car, KFC, McDonald’s, movies, etc.
Business travel: ICBC WeHotel Credit Card
There are two card levels: gold card and platinum card. Cardholders can enjoy booking discounts from major hotel brands under the WeHotel platform:
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Sign up to get a 320 yuan gift certificate; monthly rebate coupons up to 600 yuan; get free V3/V4 membership, enjoy 15/82% discount on room booking; get 9 nights of free accommodation, and can redeem five-star hotels, etc.
Car owners: ICBC Car Plus Credit Card
The Car Plus card is divided into three levels: platinum card, gold card and regular card. Car owners can enjoy the following discounts:
1) Cash rebates for refueling at 6 designated PetroChina gas stations across the country every Sunday;
2) Massive discounts of “iGo Weekend” as low as 50% off, and “iGo Global” rebates The current maximum is 21;
3) Apply for a card to win free car wash, 300 yuan/1000 yuan electronic refueling recharge code or 4999 yuan cash back.
Preferred for military personnel: ICBC Military Soul Credit Card
Gold card level, ICBC five-star or above customers can apply with confidence, and there are five card types to choose from, Army, Navy, There are cards of advanced weapons and equipment for the five major services of the Air Force, Rocket Force and Strategic Support Force, it depends on which one you prefer.
In terms of credit card rights, many privileges are provided for military personnel and their families, such as free upgrades, "Military Support" deposits, exclusive insurance for military personnel, "e-Lending" credit consumption loans for military personnel, and military protection. Cards and so on.
What is the general limit of ICBC Military Soul Credit Card?
Generally speaking, ICBC credit cards are divided according to the following limit standards: regular card limit is between 3,000-10,000 yuan; gold card limit The limit is between 10,000-50,000 yuan; the platinum card limit is more than 50,000 yuan. The ICBC Military Soul Credit Card was positioned as a gold card when it was issued, so the floating range of the ICBC Military Soul Credit Card limit is 10,000-50,000 yuan. (If the personal qualifications are poor, there is also the possibility of a limit of several thousand)
How to apply for a high-limit ICBC Military Soul Credit Card:
1. Provide substantial proof of assets, such as real estate Certificates, vehicle ownership certificates, etc., to show your ability to repay debts;
2. Highlight your stable job and considerable income. You can attach academic certificates and qualification certificates to improve the bank's overall quality score;
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3. Maintain good consumer credit and repayment credit. In the past, you have used credit cards for many purchases at many types of merchants, and your credit record has not been overdue.
If you are not satisfied with the limit, it is recommended that you continue to use the card for half a year before applying to ICBC for a limit increase. It is best to use the card for more consumption during this period and ensure that your personal credit report is good. , then you can get a higher limit.
ICBC Military Soul Credit Card application conditions: Applicants must be over 18 years old and under 65 years old, and have full capacity for civil conduct; have a good personal credit record, no loans, credit card overdue records, and no credit cards Bad behavior such as cashing out.
That’s it for the introduction of ICBC Military Credit Card.