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Hello, I just got approved for an ICBC credit card. I would like to ask if there is any reserve fund in it.

Yes.

The Peony quasi-credit card is issued by the Industrial and Commercial Bank of China. The cardholder deposits a certain amount of reserve as required. When the reserve account balance is insufficient to pay, it is a quasi-loan that can be overdrafted within the prescribed credit limit. Credit card.

The Peony quasi-credit card can be used for settlement in RMB at UnionPay acceptance points in China and Hong Kong, Macau, Thailand, South Korea, Singapore and other regions, and has functions such as transfer settlement, cash deposits and withdrawals, and credit consumption.

ICBC credit cards are the credit cards with the highest circulation in China. Currently, 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, it is divided into: platinum card, gold card and ordinary card; according to the issuing object, it is divided into business card and personal card, among which personal card is divided into main card and supplementary card.

Extended information

If the card meets the following standards and has no bad credit record, ICBC can automatically upgrade the credit limit:

1. No less than 3 years after opening the account If you have spent more than 500 yuan (inclusive) per month and accumulated consumption, the credit limit can be adjusted to 500 yuan;

2. After reaching the 500 yuan quota level, it will be no less than 3 months after reaching the 500 yuan limit level and the accumulated consumption is 500 yuan (inclusive) The credit limit can be adjusted to 1,000 yuan for the above;

3. The credit limit can be adjusted to 2,000 yuan for no less than 3 months after reaching the 1,000 yuan limit level and the cumulative consumption is more than 500 yuan (inclusive).

If the local card issuer has special regulations, this service will not apply.

You can also call the ICBC customer service hotline to request a credit limit adjustment. The credit limit after adjustment will not be higher than 2,000 yuan.

Baidu Encyclopedia--ICBC Credit Card