2. Collection, payment and online shopping.
3, can enjoy mail order, telephone booking and other services.
4. Through online banking, 95508 automatic voice service desk or manual service desk, you can handle credit card inquiry, loss reporting, fax bills and credit card accounts 24 hours a day.
5. Value-added functions such as credit card installment payment and double insurance.
Extended data:
Advantages of ICBC credit card:
1, you don't need to bring cash, but you can also overdraw. In modern society, finance is highly developed, so people can avoid the trouble of carrying cash by using bank cards. Credit cards naturally have this advantage. With a few cards, work, travel and study can help you pay easily, both at home and abroad.
Compared with other bank cards, credit cards can be overdrawn, that is, when your capital turnover is not enough or you don't have enough money on you, the credit line of credit cards can help you repay in advance, and then you can repay on time when it expires, which is equivalent to a temporary loan that can be used at any time.
2. There are many preferential activities and many gifts. Credit cards are still in the promotion stage of banks, and there are many opportunities for cooperation between credit cards and merchants, so you can naturally enjoy these benefits by using credit cards, such as various co-branded cards:
Air co-branded card points can be exchanged for air miles, car co-branded cards can enjoy free car wash service, and hotel co-branded cards can book hotel discounts. These are real preferential services in life. In addition, there are gifts when you open the card, and there are a lot of gifts during the event. Points can also be exchanged for gifts. As long as you put your heart into it, you can get many favorite small gifts.
3. Help you build a good personal credit. In the future, China will follow the footsteps of developed countries and enter the credit economy society. Good personal credit will make you feel at home in social and economic activities. A person who has no credit record does not mean good credit, but when dealing with financial institutions such as banks.
The most important basis for them to judge your personal economic quality and reputation is your personal credit record. Only if you have a good credit record will the bank be willing to deal with you and trust you. A very simple example, if your credit history is good, then your chances of applying for mortgage and car loan will be much higher.
4. Sufficient interest-free period for working capital for investment. Credit cards generally have an interest-free period of up to 55 days. After the overdraft, you can use the cash on hand as working capital and invest it where you need it more, or invest it without paying any interest during this period.
By using several credit cards reasonably, you can basically turn over your daily expenses without paying any interest, and the rest of the money is used for investment and making money. Of course, you must remember to pay back the account on time to avoid overdue penalty interest.
5. Clarify the consumption bill to help you develop a good habit of rational consumption. The consumption bill of credit card is detailed, and the amount and place of each consumption are specific, so that every time you receive the bill, you can make a summary of personal finance according to these bills, which consumption is necessary and which consumption is unreasonable and avoidable, and make plans to correct those bad consumption habits, so that you will naturally develop the habit of rational consumption and help personal finance get on the right track.
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