How about the ICBC Peony Real Gold Credit Card
The ICBC Peony Real Gold Credit Card is very nice. The main body of the super discount card is designed with peony, dragon and phoenix as the main elements, supplemented by the patterns of "Fu, Lu, Longevity, Happiness and Wealth". A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit.
Is the ICBC real gold credit card a platinum card?
No
The platinum card has a black background, and the gold card has a red background.
Peony super discount real gold credit card. The 20th Anniversary Edition is a huge reward product jointly created by China UnionPay and ICBC Peony Card Center for new and old customers on the occasion of their 20th anniversary.
It is made of simple platinum grade, issued for the 20th anniversary, and made of 24K real gold collection-grade craftsmanship. The main body of the card uses peony and dragon and phoenix as the main elements, supplemented by the patterns of "Fu, Lu, Longevity, Happiness, and Wealth". The design and creation imply auspiciousness, wealth, happiness and contentment
ICBC Peony Super Preferential Real Gold Credit Card does not issue physical cards
The reasons why ICBC Peony Super Preferential Real Gold Credit Card does not issue physical cards are as follows.
1. The super-favorable real gold credit card will be issued in 2022. It is a UnionPay brand credit card jointly created for customers by ICBC Peony Card Center and China UnionPay on the occasion of the 20th anniversary of its establishment. It is made with 24K real gold inlay technology. The card surface uses peonies, dragons and phoenixes as the main elements. It is issued with a simple platinum card level and is valid for 10 years.
2. A 24K real gold card version will be given only after the first successful application. Each person is limited to 1 card. If you apply again or replace the card, it will be replaced with a hot-stamped version.
How about unboxing the ICBC super discount real gold credit card?
In May, ICBC released a set of "super discount series credit cards". The biggest selling point is the 24K real gold craftsmanship. In the past, cards made of real gold were considered ultra-high-end credit cards and were difficult for ordinary people to access. The super discount real gold card is different, the application threshold is very low (after all, it is just a small platinum card), so it is not surprising that it is sought after by card friends.
It is said that "beauties are destined to have a bad fate", and the same is true for super discount cards. After a gust of wind, the heat has dropped. Besides, everyone has different opinions on the design style of the card surface. Anyway, Shuaishuai doesn't really like this "classical luxury style". But while we pay attention to its 24K gold production process, we ignore the rights and interests of this card itself. And this is its most bragging capital.
Before introducing the gameplay, we need to understand the composition of this set of cards. The "Super Preferential Series Credit Card" is composed of two sets of cards of different levels:
Peony Super Preferential Real Gold Credit Card: Simple platinum level (little platinum), free of annual fees for 5 purchases. The card is made of 24K real gold and is only available to invited customers.
Peony Super Credit Card: Gold card level, no special process, all customers can apply.
A simpler way to distinguish: the black card surface is a real gold card, and the red card surface is a gold card.
Even the super discounted real gold card is only a small platinum card, and everyone knows that the rights and interests of ICBC's large platinum cards are just like this, let alone small platinum cards. Therefore, most of the rights granted by the Super Premium Gold Card come from Union Quick Pass, but it itself does not have many rights.
However, there are always exceptions to everything, such as a bug inadvertently?
Little Platinum enjoys the benefits of Big Platinum
Some friends found out and got super discounts After purchasing the real gold card, I discovered that there are actually 6 VIP room privileges on "ICBC e-Life", and this privilege is exclusive to ICBC's Platinum Card.
Everyone knows the value of ICBC’s VIP lounge rights (Longteng). It is the full version of Longteng. You can enter the VIP lounge and eat at the Longteng dining experience hall at the airport/high-speed rail. It is considered to be one of the few dragon points that can be used to earn money. Many friends spend 200,000 every year to apply for platinum just for this reason.
Now you can enjoy it with a simple platinum card. It is definitely a bug. The problem lies in the card bin. The first 6 digits of the super discount card are 625858, and the first 6 digits of some ICBC Platinum cards are also the same, so the system mistakenly thinks they are Platinum cards.
It’s enough to know this, use it in a low-key manner, and don’t ask customer service. But since it is a bug, it will definitely get cold at any time, so use it and cherish it.
As low as 22% off in installments
This is another highlight of the super discount series of credit cards. Whether it is a super discount card or a super discount real gold card, you can enjoy ICBC's three major installment discounts (bill installment, cash installment, and E installment).
ICBC’s installment product interest rates are actually very conscientious. Generally, the interest rate is more than 3 points. With the 40% discount of the super discount card, the interest rate can even be reduced to 2.2 points.
Take 50,000 yuan as an example, divided into 12 installments, with a 40% discount on the interest rate. In the end, the final use of 50,000 yuan for one year only costs 600 yuan in handling fees.
We usually buy financial management, and buy a T0 fund base of 50,000 yuan. The annualized rate is generally around 2.7, and the annual income is around 1,350 yuan.
If you buy a closed fund, the annualized return is generally more than 3.5, and you can get more than 1,750 yuan a year.
In addition, ICBC's installment products will not show "loan" on the credit report, but are exclusive for installments, which is more friendly to credit reports.
It can be seen that this "40% off installment" is the biggest advantage of the super discount card. If you want to enjoy this benefit, you don’t need to apply for a super discounted real gold card (it’s best to be invited). The super discounted gold card that everyone can apply for is enough.
So, if you ask Shuaishuai Super Discount Card if you want to get on the bus. The answer is simple. First, I like the real gold craftsmanship of the cards; second, I have a need for funds and want to buy a leg of lamb or even a whole lamb. If you need any of them, you can get on the bus.
What star rating do you need to apply for the ICBC Peony Super Discount Real Gold Credit Card?
Five stars or above. ICBC and Peony Super Preferential Real Gold Credit Card have higher application conditions, and you need to invite customers and achieve five-star rating or above before you can apply. The super-favorable real gold credit card is an exclusive credit card issued to commemorate the 20th anniversary of the establishment of the Peony Card Center of the head office. ICBC, whose full name is Industrial and Commercial Bank of China Co., Ltd., was established on January 1, 1984. It is the first of China's five largest banks and one of the world's top 500 companies.
Is there any difference between the Peony Super Discount Real Gold Credit Card and ordinary credit cards?
Is there any difference between the Peony Super Discount Real Gold Credit Card and ordinary credit cards? Peony Super Preferential Real Gold Credit Card is an exclusive credit card issued to commemorate the 20th anniversary of the establishment of the Peony Card Center of the head office. It is divided into regular card, gold card and platinum card. It is a huge reward product jointly created for new and old customers.
That’s it for the introduction of real gold credit cards.