How to repay ICBC credit card?

ICBC credit card repayment date

1. Explanation of ICBC credit card repayment date

Repayment due date: refers to the credit card stipulated by the card issuer The last date by which cardholders should repay their full amount due or the minimum payment amount.

2. Calculation of repayment date for ICBC credit cards

The bill date for ICBC credit cards is uniformly the end of the month, which is the last day of the natural month. For example: the billing date in March is March 31st; the billing date in April is April 30th. The repayment due date for ICBC credit cards is the 25th day after the statement date, which is the 25th of the next month.

The interest-free repayment period starts from the statement date to the due repayment date. The longest interest-free period for ICBC credit cards is 56 days and the shortest is 26 days. You can enjoy the longest interest-free period by swiping your card on the 1st of each month. Interest-free period.

ICBC credit card repayment methods

1. ICBC credit card repayment methods - RMB repayment

1. Counter, ATM deposit or transfer Repayment

Warm reminder: Large deposits over the counter [50,000 yuan (inclusive) and above] must present the identity documents of the person and the agent.

2. Transfer money from other banks for repayment

When filling in the remittance receipt, fill in the "cardholder name" as the "full name of the beneficiary unit" and fill in the "credit card" as the "account number of the beneficiary unit". ", "Bank of Account" fill in "Peony Card Center of Industrial and Commercial Bank of China Co., Ltd.", and "Remarks/P.S." indicate credit card repayment. If the remittance bank requires the beneficiary bank number, the customer is asked to inform the remittance bank of our bank number "102100005001".

3. Automatic repayment

You can register, modify and cancel the automatic repayment business through our bank's card issuer, designated outlets, online banking or telephone banking. It expires every month Repayment Our bank will automatically deduct the money from the designated account for your repayment on the agreed date.

4. Repayment by telephone banking transfer

5. Repayment by online banking transfer

2. ICBC credit card repayment method - foreign currency repayment< /p>

1. Deposit foreign currency cash for repayment at an ICBC branch that handles foreign currency business

If you deposit cash other than the account currency, it will be converted into account currency according to the quoted price on that day. Currency entry.

2. Remittance from ICBC’s foreign exchange account

When filling in the remittance receipt, fill in your name in the “Full name of the beneficiary unit” and your name in the “Account number of the beneficiary unit”. "Bank of Account" fill in "Industrial and Commercial Bank of China Co., Ltd. Peony Card Center", and "Remarks" column indicates "Peony Dual Currency Credit Card Repayment". The account name of the remittance account and the account name of the receiving card must be consistent.

3. Remittance from foreign exchange accounts of other domestic banks

4. RMB foreign exchange purchase and repayment

Telephone banking foreign exchange purchase and repayment: You can call customer service Hotline (95588)/VIP hotline (4006695588), entrust our bank to purchase foreign exchange as your agent.

Over-the-counter foreign exchange purchase and repayment: You can go to the branch of our bank that provides foreign exchange trading business, and use local money-saving cards, credit cards, quasi-credit cards, dual-currency credit cards, RMB accounts, international Use debit card RMB accounts and other personal settlement accounts of our bank to handle foreign exchange purchase and repayment.

Online banking foreign exchange purchase and repayment: You can conduct RMB foreign exchange purchase and repayment business through our bank's online banking.

5. Automatic repayment

6. Overseas repayment.

Trouble with ICBC foreign currency repayment

You can log in to mobile banking, use the "Credit Card - Immediate Repayment" function, and follow the prompts to make repayments for foreign exchange purchases with a credit card. For self-service foreign exchange purchase and repayment, the transfer-out account must be the cardholder’s own online banking or mobile banking counter-registered card, and the transfer-in account must be a self-service add-on card to handle foreign exchange purchase and repayment. The transfer-out and transfer-in accounts must be in the same region, not the same card.

If the status of the credit card you need to repay is normal, the status of the RMB account is normal, and the RMB account has sufficient available deposits (overdraft cannot be used to purchase foreign exchange), you can also call 95588 before the repayment date and transfer to manual service. You try to handle online foreign exchange purchase and repayment.

(Answer time: April 26, 2022. In case of business changes, please refer to the actual situation.

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ICBC credit card repayment in foreign currency

ICBC currently provides a variety of foreign currency repayment channels, such as online banking, mobile banking, telephone banking, automatic repayment, etc.

1. You can log in to online banking and click "Credit Card Services-Credit Card Repayment-Repayment" to make foreign currency repayments;

2. Log in to mobile banking and click "Favorites- Credit Card - Credit Card Repayment", select to handle foreign currency repayment;

The operating environment is: QQ browser latest version: 12.0.6.609164

3. The credit card you need to repay is in After registering for telephone banking at a business outlet, you can purchase foreign exchange through self-service voice dialing 95588; you can also enter a manual agent to purchase foreign exchange without telephone banking registration for payment processing. Whether it is self-service or manual service, you need to have a sufficient balance in RMB on this card. Additionally, you can set up automatic repayments in foreign currencies. You can register an ICBC foreign exchange account as a transfer account in advance. After signing the automatic repayment agreement, the bank will automatically deduct foreign currency from the account before the due date and return the outstanding amount to your credit card foreign currency account. Due to the same day repayment, if there is a credit card with a foreign currency account balance, the bank will automatically use the deposit balance of the RMB account to purchase foreign exchange with this card and return the card with the same foreign currency account balance.

Our bank has optimized the foreign exchange purchase and repayment function of dual-currency/multi-currency credit cards: on the due repayment date, if there are deposits in the RMB account and foreign currency accounts in your card, If the outstanding balance is unpaid, our bank will give priority and automatically use the RMB deposit in your card to purchase foreign exchange for you according to the exchange rate announced by our bank on the day of deduction to repay the outstanding outstanding balance in the foreign currency account of the same card.

If you have any questions, please call our customer service hotline 95588.

You can handle the repayment of foreign currency purchases through the following methods:

1. Online banking: After logging in, please go to "All-Credit Card-Repayment" and select "Repayment- "Overdraft Currency" and follow the prompts;

2. Mobile Banking: After logging in, please go to "Credit Card - Immediate Repayment" to display the outstanding balances in all currencies under the card. You can check up to Choose 5 currencies to purchase foreign exchange and repay at the same time;

3. ICBC e-Life: After logging in, please go to "Finance - Immediate Repayment" to display the arrears in all currencies under the card , you can check up to 5 currencies at the same time to purchase foreign exchange and repay at the same time.

Warm reminder:

1. To purchase foreign exchange on the card, the card must be within the validity period and the "account status" of the RMB account must be normal;

2. Transfer out of the account The card must be registered at the counter, and the transfer-out and transfer-in accounts must be in the same region and may not be the same card. During the processing, U-Shield, electronic cipher, etc. are required to be verified;

3. Purchase Excess foreign exchange purchase and overdraft purchase are not supported for remittance repayment. Foreign exchange can only be purchased for the arrears in foreign currency accounts and the interest generated by overdrafts that have passed the interest-free period.

You can also take RMB to the counter to pay it back, or you can directly convert the money into US dollars, deposit the equivalent amount in RMB, and then call customer service

Buy foreign exchange

ICBC That’s all for the introduction of how to purchase foreign exchange and repay with a credit card.