Relevant provisions of China Industrial and Commercial Bank's official card:
1. The virtual counter set up by the bank on the Internet. Banks use network technology to provide customers with traditional services such as account opening, account closing, inquiry, reconciliation, intra-bank transfer, inter-bank transfer, credit, online securities, investment and wealth management. Through the internet, customers can safely and conveniently manage current and time deposits, checks, credit cards and personal investments without leaving home.
2. Service innovation to provide customers with diversified and personalized services. Selling financial products such as insurance, securities and funds through bank outlets is often greatly restricted, mainly because it is difficult for ordinary outlets to provide customers with detailed and low-cost information consulting services.
Using the Internet and bank payment system, it is easy to meet the needs of customers for consulting, buying and trading various financial products. In addition to banking, customers can easily buy and sell stocks and bonds online, and online banking can provide customers with more suitable personalized financial services.
3. It is mainly applicable to the daily consumption payment and transfer of individuals and families. Customers can complete real-time inquiry, transfer, online payment and remittance through personal online banking service. The appearance of personal online banking service indicates that the bank's business tentacles directly extend to the home computer desktop of individual customers.
4, for enterprises and government departments and other enterprises and institutions. Enterprises and institutions can know the financial operation of the enterprise in real time through the online banking service of the enterprise, allocate funds within the organization in time, easily handle large online payment and salary payment business, and handle the business related to letters of credit.
Therefore, the official card of ICBC cannot be cancelled.
Extended data:
The function of ICBC official card;
1. Consume first and then repay, and enjoy an interest-free repayment period (up to 56 days) with a minimum repayment amount. In case of overdraft, customers can repay by installments. Customers need to pay a certain amount of annual fee to the applicant bank.
2. Prepaid wallet debit card that transfers funds to the card for storage according to the cardholder's requirements and directly deducts money from the card during the transaction.
3. The cardholder should deposit a certain amount of reserve fund according to the requirements of the bank. If the reserve fund is insufficient to pay, the credit card can be overdrawn within the credit limit stipulated by the issuing bank.
4. Single currency single account credit card with interest-bearing deposit and RMB consumption by swiping card, which has the functions of transfer settlement, cash deposit and withdrawal, credit consumption, online banking transaction and so on. When the balance of credit card consumption and cash withdrawal account is insufficient to pay, the cardholder can overdraw consumption and cash withdrawal within the specified limited credit limit and charge a certain interest. There is no interest-free repayment period.
Baidu Encyclopedia-Industrial and Commercial Bank of China
Baidu encyclopedia-business card
Articles of Association of the Official Website of China Industrial and Commercial Bank-China Industrial and Commercial Bank Credit Card