Which ICBC credit card is the most practical

1. The first is the World Struggle Credit Card. This credit card can reduce the annual fee during the validity period, and the repayment period is extended by 3 days.

2. The second is the ICBC WeHotel Credit Card. This credit card will give you 320 gift certificates when you sign up, including hotel coupons, travel coupons, etc.

3. Of course, ICBC’s credit card is like the Universal Financing Credit Card. The Universe Constellation Credit Card and ICBC Tuniu Niu Ren Credit Card are also good, and you can choose according to your own needs.

4. ICBC credit card is the credit card with the highest circulation in China. The main types of ICBC credit cards include: Peony International Credit Card, Peony Credit Card, and Peony Credit Card; according to the brand of ICBC credit cards, they are divided into: Peony Visa Card, Peony MasterCard and Peony Express Card; according to the credit level, they are divided into: Platinum Card, Gold cards and ordinary cards; divided into business cards and personal cards according to the issuance objects, of which personal cards are divided into main cards and supplementary cards.

Which is the best way to apply for an ICBC credit card?

The application conditions for an ICBC credit card are relatively strict, especially if the assets do not meet the standards, the card will be rejected easily. In fact, ICBC also has some easier-to-use cards with looser conditions. Here are three types of cards for you to review.

1. ICBC Endeavor Lang Ping Credit Card: The credit card endorsed by Lang Ping has three levels: regular card, gold card, and simple platinum card. They are all free of annual fees within the validity period and can provide 3 days of repayment. Grace period, free foreign exchange fees, mobile phone insurance up to 1,990 yuan and other benefits. As the main card promoted by ICBC, this credit card has a good credit card acceptance rate.

2. Cosmic Constellation Credit Card: A card type with the theme of the twelve zodiac signs. It is an exclusive black card for young people with good looks. It has two levels: gold card and simple white, both of which are free within the validity period. With an annual fee, you can enjoy service benefits such as a 3-day grace period, 0 foreign exchange fees, 10 times points for purchases on your birthday, free account security insurance, and account security locks. As the main card recommended by ICBC, it is easier to pass the card.

3. ICBC UnionPay Zodiac Credit Card: With the theme of the 12 zodiac animals, the card face is designed with large seal oracle bone inscriptions, highlighting the charm of traditional culture. It has two levels: gold card and platinum card, both of which can provide conditional tax exemptions. fee. It can provide 3-day repayment grace period, travel inconvenience insurance, account security insurance and other service rights, as well as the opportunity to waive the first cloud quick payment of each month, 12306 ticket purchase up to 20 yuan and other discounts.

These three credit cards are all relatively easy to use with ICBC, but each credit card has several levels. It is best to choose a card based on the ICBC star level. For example, Samsung can choose regular cards, and Five-star cards can be used. Choose the gold card, and choose the platinum card for six stars.

Extended information:

How to apply for a credit card:

1. Go to a bank branch to apply, and bank staff will help you complete the application;

2. Apply for a credit card on the bank's official website. Just search your favorite bank on your computer, such as "Industrial and Commercial Bank of China". After entering, you can see the credit card column, and then follow the prompts to apply for a credit card;

Note that to apply for a credit card, you must be over 18 years old, have a stable source of payment, and have good credit. These are the conditions that must be met to apply for a credit card. If you do not meet the requirements, the bank will refuse you to apply for a credit card.

The specific conditions for different credit cards are different, most of them require the following conditions:

1. There are certain age requirements for applying for a credit card: you must have full civil capacity, that is, 18 years old and above;

2. Have legal and stable income and good credit;

3. Provide corresponding identity documents: copy of ID card or military officer's ID card;

4. Employment certification documents. Some banks also require proof of income and financial resources. Proof of financial resources can include a copy of the real estate certificate, a copy of the motor vehicle license, a bankbook, etc. Anyway, the proof of financial resources depends on the individual's repayment ability, which makes it easier to apply for;

5. Documents proving the place of residence, It can be a copy of the household registration book, or certification materials issued by the street, or other certification materials. This is relatively easy to do;

6. There is also an application form to apply for a credit card.

The repayment methods are as follows:

1. Within the card issuing bank

The repayment methods include: card issuing bank counter, ATM, online banking, automatic transfer, telephone Bank repayment, etc. After repayment, the credit card limit will be restored immediately, and the payment will generally be credited to the account after the system processes it on the same day.

2. Weiyintong pos mobile phone

Weiyintong pos mobile phone is a personal payment terminal of the mobile financial system, which can be used to pay directly by swiping the card, or to perform transfers and other services . Instant payment.

3. Transfer/remittance repayment

It is mainly divided into two methods: inter-bank in the same city and inter-bank in different places. Regardless of the method of transfer or remittance, the remittance bank charges a certain fee. At the same time, the time it takes for the money to arrive and the convenience of repayment are not as good as intra-peer repayment, online repayment, convenience store repayment and other methods.

4. Online repayment

The more common domestic online platforms include: UnionPay Online, Kuaiqian, Shengfutong, Alipay, Tenpay, etc. Depending on the platform and bank you choose, the charging standards and specific payment arrival time will be different.

Which ICBC credit card is the most practical?

For users, the card that suits them is the best. It does not mean that a certain card is the best compared with all ICBC credit cards. of. It depends on your occupation. If you are an office worker, it is better to choose the sealed card of ICBC, because the application threshold for this card is not high; and for car owners, it is better to choose ICBC Car Plus Credit Card, because this card provides cash rebates on fuel, and also There are related car rights and interests; for college students, it is better to choose the Universe Financing Credit Card. As long as full-time college students over 18 years old can apply for this card.

ICBC Struggle Card

Suitable for: office workers

Comments: Co-designed by Lang Ping, black, red and blue, it is comparable to ordinary cards and gold cards. It’s easy. Recently, ICBC’s cards are very good-looking.

Benefits: annual fee reduction, time tolerance, 0 foreign exchange fees, account security insurance, cash back for overseas shopping of trendy brands, etc. The Simple Platinum Card enjoys free overseas WIFI, visa discounts, 1 yuan parking at the airport and other preferential rights.

2. ICBC Car Plus Credit Card

Suitable people: car owners

Comments: The annual fee is RMB 100 for regular cards and RMB 200 for gold cards. , Platinum card is 2,000 yuan, and supplementary cards are halved. However, there are plenty of discounts when using the card, including cash rebates on gas, the benefits of the i(I) car card platform, etc.

Benefits: 6% cash rebate at designated PetroChina gas stations across the country every Sunday; i(I) car card platform benefits, such as car purchase discounts, car wash discounts, maintenance discounts, driving and roadside assistance rights, Exclusive discounts for Longteng Travel and more.

Time tolerance, UnionPay multi-currency, 0 foreign exchange fee, new account card gift, etc. The Platinum Card also enjoys free ICBC airport and high-speed rail VIP lounges, global car rental discounts, 4 million aviation accident insurance, and more.

3. Universe Financing Credit Card

Suitable people: college students

Comments: This card is only for those over 18 years old and full-time college students. , gold card level, you get two cards when you place a card. A co-branded card functions the same as a credit card, except that it cannot withdraw cash. Another consumption card can only be used for consumption and cash withdrawal at Fenqile.

Benefits: No annual fee, interest-free for up to 56 days, tolerance within 10 yuan for 3 days, and various installment discounts on card opening purchases, up to a thousand yuan.

4. Cosmic Constellation Credit Card

Suitable people: white-collar office workers

Overall comments: This card is really good-looking, and the gold card is particularly special. easy. The unique birthday bonus of ten times points can be said to be a generous move by ICBC. It’s just a multi-currency card, and once you open the card, you have more than a dozen accounts.

Benefits: Annual fee reduction, ten times points on birthdays, 0 foreign exchange fees, 10 yuan tolerance for three days, etc.

5. ICBC China Resources Co-branded Card

The cards are available in various levels, including regular, gold and platinum cards, which can meet the card application needs of customers with different credit conditions.

Cardholders enjoy dual rights and interests, one is ICBC credit card finance and discounts; the other is China Resources Pass preferential/exclusive membership. 399 CR Touch points can be redeemed for cash coupons from China Resources Vanguard, Ole Supermarket, Pacific Coffee, MixC, Didi Private Car, KFC, McDonald's, movies, etc.

6. 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; get freebies when opening the card 320 yuan gift certificate; monthly rebate coupons up to 600 yuan; free V3/V4 membership, enjoy 15/82% discount on room booking; free 9-night accommodation, and can redeem five-star hotels, etc.

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:

p>

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) 6% rebate at designated PetroChina gas stations across the country every Sunday;

2) Massive discounts as low as 50% off during “iGo Weekend”, “iGo Global” Cash back up to 21%;

3) Apply for a card to win free car wash, 300 yuan/1,000 yuan electronic refueling recharge code or 4,999 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.

I would like to ask which ICBC credit card is better

Different types of ICBC credit cards have different characteristics and cannot be generalized. The currently popular products are:

1. ICBC Struggle Card.

This card is suitable for office workers to apply for, and it is relatively easy to apply for both regular and gold cards. Users can enjoy related rights and interests such as tolerance, 0 foreign exchange fees, account security insurance, etc.

2. ICBC Auto Plus Credit Card.

This card is suitable for users with cars to apply for. Users can enjoy a 6% cash back discount when refueling at designated Sinopec gas stations on Sundays, and also enjoy the discounts of the i(I) car card platform (car purchase, car washing, etc.).

3. Universe Financing Credit Card.

This card is suitable for college students to apply for, and the application threshold is low. After successful application, the user will receive two cards, one is a co-branded card and the other is a consumption card specially used for consumption and cash withdrawal on the "Fengqile" platform. Users can enjoy an interest-free period of up to 56 days using this card. .