I. Conditions and procedures for applying for a card

(1) Basic requirements

1, aged 18-65 years old;

2, the city's household registration (or non-local accounts with real estate in this city, Hong Kong, Macao and Taiwan people are not included) and the city's household registration;

3. Working in this city;

4. Provide 1 immediate family members (who can live in different places) and 1 friends who work in this city as card contacts.

(2) required information

1. Basic information that must be provided (copies of all information must be checked with the original):

(1) Copy of identity certificate (proof of ownership is required for non-local household registration);

(2) Copy of employment permit or work permit.

2. Select the information provided (as the basis for approving gold cards and high-value cards).

(1) proof of income

The original certificate of income or rank issued by the labor or personnel department of the unit, the details of the salary account issued by the bank, the personal income tax payment certificate for the past 3 months, or the payment of the social security fund account obtained through audit.

(2) Professional qualification certificate

Lawyer's practice certificate, certified public accountant's certificate, certified asset appraiser's certificate, certified tax accountant's certificate, teacher's qualification certificate, etc. , graduate diploma or master's degree certificate, senior professional title qualification certificate or letter of appointment.

(3) Proof of financial resources

Property certificate of self-owned house, passbook, deposit certificate, national debt, deposit certificate issued by commercial bank, self-owned car driving license, personal investment certificate, or personal deposit information certificate provided by other specialties of our bank.

(4) Proof of permanent residence

Ownership certificate of self-owned housing, use certificate of public rental housing, public rental housing lease agreement, housing mortgage loan contract, details of repayment accounts of our housing loan customers, purchase invoices and bills (water, electricity and gas) in the last three months or relevant certificates issued by our mortgage department.

(5) Other (other materials that can prove personal credit status, such as work certificate, credit cards of other banks, etc. ).

(3) Precautions

The information you provide will be used as the basis for the bank to judge the credit status of customers. Note that the application form should be filled in completely (including contact information), otherwise it will affect the applicant's credit score.

Second, a wonderful life with a card

(1) Using Peony Credit Card helps you to establish personal credit.

With personal credit, it helps to improve the trust of all walks of life. For example, in the financial system, help you get personal loans.

(2) Using Peony Credit Card will show your personal distinguished status and gain public respect and trust.

(3) With the Peony Credit Card, you can spend the bank's money on overdraft consumption within the credit line given to you by ICBC, and then repay it within the interest-free period; During the interest-free period, I can not only enjoy interest-free consumer loans, but also earn more deposit interest.

(4) Using Peony Credit Card can avoid the risk and trouble of carrying a lot of cash and enjoy the fast service channel.

(e) Peony Credit Card, you can enjoy the preferential merchant network established by China Industrial and Commercial Bank for you, "spend less money and enjoy more favorable prices of goods and services".

Third, the surprise card harvest

(1) As long as you successfully apply for the card, you can get the welcome package from ICBC. Welcome to our bank. Here you are:

Free Silver Lake Golf Practice Voucher, you can play 100 at the Silver Lake Golf Driving Range;

Free "compulsory insurance" accident insurance of Taiping Life Insurance Company. The insured amount is as high as 25,000 yuan;

With Peony Credit Card, you can enjoy VIP card discount when shopping in Shenzhen Friendship City Department Store.

With Peony Credit Card, you can apply for VIP Gold Card at Jin Guanghua Department Store Plaza for free;

With peony credit card, get the special price of Jiulong Mountain Golf Course;

With Peony Credit Card, you can enjoy the special price of booking hotels and air tickets nationwide through Peony Card Special Business Network.

(2) Free annual card fee.

After the card is successful, as long as it is activated and consumed for a certain number of times or a certain amount, it can be free of charge.

ICBC will continue to introduce the latest courtesy. For details, please consult the bank counter staff or the 95588 service hotline.

Fourth, enrich credit card products.

-Peony Credit Card, Peony International Card, Peony American Express Card, Peony HNA Card and Peony Platinum Card.

Peony series credit cards issued by China Industrial and Commercial Bank give cardholders a certain credit limit, and have the functions of credit consumption, transfer settlement, cash deposit and withdrawal, etc. The credit line can be recycled.

Verb (abbreviation for verb) Excellent product function and service.

(1) enjoys an interest-free repayment period.

You can spend first and then repay within the credit line granted by the bank, and you don't need to deposit the reserve fund in advance. You can enjoy an interest-free repayment period of 25 days at the shortest and 56 days at the longest from the bank bookkeeping date (except cash withdrawal and transfer). Deposits do not generate interest.

(2) Revolving credit line

According to the credit status of the cardholder, the credit line suitable for the cardholder is approved. The credit limit can be recycled and can be improved with the improvement of the credit status of cardholders.

(3) the repayment method is flexible

Cardholders can repay in full before the repayment period, or they can choose the minimum repayment amount. Repayment can be made at any branch counter of ICBC, or self-service repayment can be made through online banking express repayment channel. You can deduct money through self-service transfer of telephone banking or apply for automatic repayment through associated account.

(4) Zero risk of loss reporting.

If the card is lost, stolen or robbed, as long as the cardholder has gone through the formal reporting procedures, he will not bear any economic losses caused by the transaction after reporting the loss.

(5) Providing emergency rescue services.

If the cardholder is in urgent need of funds after losing his card in a different place, the local bank can provide emergency rescue service within 2000 yuan without exceeding the credit limit of the cardholder's account to solve the cardholder's urgent need.

(six) a wide range of use

Peony credit card is a RMB account card, which is used all over the country (merchants and ATMs with UnionPay logo in Hong Kong, Macau, Vietnam and South Korea can also use it); Peony International Card (VISA or MASTER), Peony American Express Card, Peony HNA Card and Peony Platinum Card are all one card and two coins, which are universal.

(7) Services are guaranteed.

1. ICBC has the largest number of outlets in China, providing convenient services for cardholders;

2. Customer service telephone number 95588 provides 24-hour service.

3. Investment in the early stage of product development, mature products and systems, and unimpeded use of cards.

4. ICBC's national clearing network is mature and leading, with timely deposit remittance and deposit withdrawal.

Sixth, give priority to cardholders.

(1) Personal loan customers of the Bank;

(2) Bank wealth management account;

(3) Our bank pays wages on behalf of customers;

(4) government civil servants and regular employees of public institutions.