Yes, you can apply for installment payment when your RMB consumption reaches 600 yuan. The handling fee is 1.65% for the 3rd period, 3.6% for the 6th period, 5.4% for the 9th period, 7.2% for the 12th period, and 11.7% for the 18th period. 15.6% in period 24.

At the same time, installment payment handling fees are collected in one lump sum according to different standards when handling business. The characteristic is that the fewer installments, the lower the cost. At the same time, please note that there is no minimum repayment for a cash advance, it must be repaid in full, and of course, you cannot apply for installment payment.

ICBC credit card officially cancels the full penalty interest requirement:

ICBC’s newly revised "ICBC Peony Credit Card Articles" clearly states: "Cardholders can follow the instructions indicated on the statement If you repay according to the minimum repayment amount, the card issuer will only charge overdraft interest from the bank accounting date to the repayment date. Extended information:

Card fee standards

1. Annual fee standards:

The annual fee for domestic ordinary cards is 50 yuan, and the gold card is 100 yuan; international dual currency The ordinary card fee is 100 yuan, the gold card is 200 yuan; the business ordinary card is 200 yuan, the gold card is 400 yuan; the platinum card is 2,000 yuan; the annual fee for all supplementary cards is half of the annual fee for the main card.

2. Annual fee-free policy:

ICBC’s annual fee charging standard is to collect the annual fee after use, that is, the annual fee will not be charged until one year after the account has been opened. During this year , as long as you make 5 transactions or 5,000 yuan (3 transactions or 3,000 for the student card, 160,000 points for the annual fee or 200,000 for the platinum card), the annual fee for that year will be waived. At the same time, there is no annual fee for ICBC credit cards if you do not open the card.

3. Permanent annual fee exemption policy for ICBC credit cards:

For platinum card holders who have accumulated a consumption of 4 million yuan, their primary and secondary cards can be permanently exempted from annual fees. discount. For personal card holders of gold and regular cards.

If the cardholder has no bad credit record and has continuously held various ICBC credit cards for more than 10 years (including 10 years) since the date of implementation of these measures, the cardholder can be given a primary and secondary credit card in the account. The card has a permanent annual fee exemption. In addition, there is no annual fee for ICBC credit cards if you do not open the card.

4. Cash advance handling fee:

The local bank has no handling fee; RMB cash withdrawals in other places are charged at 1% of the amount, with a minimum of RMB 1 and a maximum of RMB 100; foreign currencies are charged 2.9% of the amount is charged, with a minimum of 3 Hong Kong dollars or 3 US dollars or 3 euros (including domestic and overseas). Domestic transactions with Platinum Card are free.

5. Interest-free repayment period:

The longest is 56 days, and the bill date is the last day of each month.

6. Loss reporting fee:

20 yuan per card, express delivery fee for replacement card is 20 yuan/package; free for platinum cards. Request statements from two months ago for 5 yuan/month/month; free for platinum cards.

7. Overpayment:

Local counterparts can collect overpayment free of charge.

8. Late payment fee:

Charged at 5% of the unpaid portion of the minimum repayment amount, with a minimum of RMB 1 and a maximum of RMB 500; the minimum repayment amount is 10% of the overdraft balance .

Baidu Encyclopedia-ICBC Credit Card