How many types of ICBC credit cards are there? What are their functions?
Peony Credit Card is a quasi-credit card issued by the Industrial and Commercial Bank of China. The cardholder is required to deposit a certain amount of reserve fund. When the reserve account balance is insufficient to pay, it is a quasi-credit card that can be overdrafted within the specified credit limit. Peony Credit Card can be used for settlement in RMB at UnionPay acceptance points in China and in Hong Kong, Macau, Thailand, South Korea, Singapore and other regions, and has functions such as transfer settlement, cash deposits and withdrawals, and credit consumption[1]. This kind of Peony credit card is a credit card with Chinese characteristics. There is no precedent in other countries in the world. The emergence of this kind of credit card is a reflection of China's imperfect credit system. At present, Peony credit card is on the decline. Peony credit cards and Peony international credit cards that truly meet the needs of the public are the direction of development.
Peony International Credit Card
Peony International Credit Card is an international-level credit card product launched by the Industrial and Commercial Bank of China. International cards are used both at home and abroad, and are settled in RMB and a designated foreign currency. The Peony International Card adopts a loop credit transaction method. For consumption overdrafts within the credit limit, if the payment is repaid in full before the due repayment date, you can enjoy the interest-free repayment discount. Special reminder: International cards can also be used domestically.
Peony Credit Card Peony Credit Card is a credit card issued by the Industrial and Commercial Bank of China that gives the cardholder a certain credit limit and the cardholder can consume within the credit limit and then repay. The credit card adopts the loop credit transaction method. For consumption overdrafts within the credit limit, if you repay in full before the due repayment date, you can enjoy the interest-free repayment discount. The Peony credit card can be used at UnionPay acceptance points in China and in Hong Kong, Macau, Thailand, South Korea, Singapore and other regions. It is settled in RMB and has functions such as transfer settlement, cash deposits and withdrawals, and credit consumption. There are several self-service credit limit raising methods for ICBC credit cards
1. Use your credit card frequently and win by the number of card swipes. In daily life, credit cards are used wherever they can be swiped for consumption. Frequent use will definitely help cardholders increase their credit limit as soon as possible.
2. Guarantee the amount of credit card consumption every month. It is best to generate consumption records with a total credit card limit of more than 30 yuan every month. If you persist for more than half a year, the bank system will easily recognize the cardholder's spending power and actively invite the cardholder to increase the credit limit of the credit card.
3. Ensure that credit card payments can be repaid in full and on time. This is very important for credit card holders who want to increase their limit. If you cannot repay in full and on time, resulting in a bad credit card repayment record, it will not only affect the cardholder's personal credit report, but also greatly extend the time it takes for the credit card to increase its credit limit.
4. Enrich the consumption types of credit cards. Different consumption types will reflect the different consumption concepts and spending abilities of cardholders, which will also affect the progress of increasing credit card limits to a certain extent. Within the scope of your ability, increase the opportunities for large-scale purchases on credit cards, thereby promoting the increase of credit card limits as soon as possible.
5. Increase the number of times you apply for temporary credit card limits. Multiple applications for the temporary limit of credit cards also show the eager desire of credit card holders to increase their credit card limits, which in turn can speed up the process of increasing their credit card limits.
6. Take the initiative to apply for an increase in your credit card credit limit. You can take the initiative to express your eagerness to increase the credit limit of your credit card to the bank through various channels, and proactively provide relevant asset certification files, as well as relevant certificates of the continuous improvement of your own consumption capacity, so as to accumulate more benefits for the bank when conducting system evaluations. evidence to increase the credit limit of your credit card as soon as possible.
There are roughly the following methods:
1. Bring your ID card and credit card to the ICBC teller machine for processing
2. Self-service online banking and mobile banking Process
3. Call the 95588 service hotline
It should be almost done
How many foreign currencies are covered by ICBC credit cards?
There are eleven currencies: RMB, US dollar, British pound, Japanese yen, Swiss franc, Australian dollar, New Zealand dollar, euro, Singapore dollar, Canadian dollar, Hong Kong dollar.
Foreign currency is the abbreviation of "foreign currency", which refers to the currencies of other countries or regions other than the domestic currency. It is often used in the external settlement business of enterprises due to economic activities such as trade and investment. Foreign currency means an other currency used within an official currency area or a payment request made in an other currency.
Different currencies have different exchange ranges
Freely convertible foreign currencies can be freely converted into other currencies without restriction.
Limited convertible foreign currency can only be exchanged under certain conditions, such as only certain people can exchange it, or the amount of exchangeable currency is limited, etc.
Non-convertible foreign currencies are not allowed to be exchanged for other currencies or can only be exchanged for other currencies by special permission. What are the benefits of ICBC credit cards?
Discount projects:
Spend first and pay later, enjoy the interest-free repayment period
No deposit is required for Peony Credit Card As a reserve fund, cardholders can spend money first and repay later within the credit limit given by the bank. There is also an interest-free repayment period. Cardholders can enjoy an interest-free repayment period of a minimum of 25 days and a maximum of 56 days from the date of consumption (excluding cash withdrawals and transfers).
Enjoy preferential services from nationwide special merchant networks
Cardholders who join the ICBC Peony Card national special merchant network can enjoy air ticket bookings, hotel accommodation and meals, car rental services, and car rescue services. , you can enjoy convenient and considerate services from specially appointed merchants at relatively favorable prices.
Credit consumption and sufficient credit limit
After confirming that the cardholder meets the application conditions, the card issuer will determine a credit limit suitable for the cardholder's consumption needs based on the cardholder's personal credit status. , up to RMB 50,000. The credit limit increases as the cardholder's credit profile improves.
Easy consumption, rewarded with points
Cardholders can not only easily swipe their cards to complete consumption, but also receive corresponding points based on the accumulated consumption amount. When your points reach a certain value, you can enjoy different types of value-added services and consumption rewards, such as points for mileage, points for big prizes, etc.
Flexible repayment methods
Business outlets - repayment can be made at any ICBC business outlet, and the repayment will be credited to the account on the same day in this city;
Telephone Banking ——Transfer funds from other personal accounts to the Peony Card account through the ICBC telephone banking system.
Around-the-clock service, no worries
Telephone banking and online banking services have been opened. Cardholders can call the customer service hotline 24 hours a day for consultation or account enquiries. If you lose your Peony RMB credit card, you can handle emergency payment stops through the customer service hotline no matter where you are. How many types of ICBC credit cards are there? What is the maximum transparency that can be achieved? What is the repayment policy?
There are many types of cards, which can be seen by logging on to the ICBC official website.
The limit is related to the type of card, but it is not absolute. Some people apply for the most common ordinary card at first. Later, their asset status may become very good, and ICBC will increase their limit. For ordinary cards, It can reach tens of thousands or hundreds of thousands. If the limit can be increased, the bank will invite him to apply for a platinum card. ICBC has a black and white card (commonly known as) with a very high limit. There are still many ICBC cards with a 50W limit (high-quality ICBC customers are approved for this limit)
Repayment: the interest-free period is as short as 25 days and as long as 56 days, ATM repayment, counter repayment, online banking repayment , debit cards can be bundled for repayment, and repayment is convenient with multiple outlets.
What are the benefits of ICBC credit card?
The biggest advantage of ICBC credit card is that there is no handling fee for local cash withdrawals, and basically other banks charge it.
There are no other special offers. Can I apply for an ICBC credit card with a card? How many ICBC credit cards can I apply for?
It is useless to apply for several credit cards. The credit card limit under the same person's name is exclusive. ICBC Credit Card Validity Period What to do when the ICBC Credit Card Validity Period expires
Contact the bank
They will send you another one
There is a phone number on the back of the card to apply for an ICBC Credit Card What are the requirements
1. Age requirement: between 18 and 65 years old;
2. Income and asset requirements: stable career and income;
3. Credit and ability requirements: good credit and the ability to pay interest on time;
4. Have full capacity for civil conduct;
5. Provide various certificates original.