The online application for an ICBC credit card requires an interview.

After placing the credit card, you need to take the card to the ICBC business hall to activate the credit card.

For credit cards applied through the ICBC website, ICBC online banking, or ICBC mobile banking, you will generally receive a notification from the local ICBC in about 24 days before you can collect it at a designated ICBC branch with valid documents.

If you apply for a credit card online and haven’t received a notification within about 30 days, it only means that you have not been approved.

However, you can continue to apply for an ICBC credit card in online banking or ICBC APP immediately.

Anyone who is over 18 years old, has a good personal credit record, and has not been overdue for three consecutive periods can apply for an ICBC credit card.

There are usually three ways to activate a credit card:

1. Activating through the counter of the bank where the credit card is located requires personal presence and the original ID card and credit card,

2 . Call the credit card service phone number on the card to activate;

3. Log in to the credit card online banking and activate online.

Service phone activation method:

1. Call the 24-hour customer service hotline shown on the back of the credit card. After selecting the appropriate language, please enter the cardholder's card number and query password.

2. Follow the voice prompts and select the card activation option under the "Credit Card Activation and Password Management" menu.

3. Enter the cardholder's last printed signature in the signature field on the back of the credit card. 3 digits, press # key to confirm,

4. Enter the cardholder’s home phone number, press # key to confirm,

5. Enter 6 digits as the cardholder’s transaction Password, press the # key to confirm,

6. Enter the 6-digit transaction password again, and press the # key to confirm,

7. The transaction password is set successfully.

How to activate credit card online:

1. First log in to the online banking page of the Bank of Communications credit card and enter the cardholder’s card number and password;

2. Log in Please change the query password in time;

3. When the credit card initial password is successfully changed, please log in to online banking again;

4. After logging in for the second time, please click "Credit Card Activation". According to the prompts on the page, enter the signature box on the back of the credit card and print it

5. The last three digits and home phone number;

6. After successful activation, enter the six-digit number as the transaction password according to the prompts;

7. If the "Use password to confirm transaction" function is not checked on the application form, you can change the transaction mode to password + signature after the setting is completed.

Extended information:

Features of using ICBC credit cards

Consumption first and repay later, enjoy the interest-free repayment period

Peony Loan There is no need to deposit a reserve fund when debiting a card. Cardholders can consume first and repay later within the credit limit given by the bank. There is also an interest-free repayment period. Cardholders can enjoy an interest-free repayment period of a minimum of 25 days and a maximum of 56 days from the date of consumption (excluding cash withdrawals and transfers).

Enjoy preferential services from the nationwide special merchant network

When cardholders join the ICBC Peony Card national special merchant network, they can enjoy air ticket booking, hotel accommodation and catering, car rental services, and car rescue. You can enjoy convenient and considerate services from specially appointed merchants at relatively favorable prices.

Credit consumption and sufficient credit limit

After confirming that the cardholder meets the application conditions, the card issuer will determine a credit limit suitable for the cardholder's consumption needs based on the cardholder's personal credit status. , up to RMB 50,000. The credit limit increases as the cardholder's credit profile improves.

Easy consumption, rewarded with points

Cardholders can not only easily swipe their cards to complete consumption, but also receive corresponding points based on the accumulated consumption amount. When your points reach a certain value, you can enjoy different types of value-added services and consumption rewards, such as points for mileage, points for big prizes, etc.

Flexible repayment methods

Business outlets - repayment can be made at any ICBC business outlet, and the repayment will be credited to the account on the same day in this city;

Telephone banking ——Transfer funds from other personal accounts to the Peony Card account through the ICBC telephone banking system.

All-weather service, no worries

Telephone banking and online banking services have been opened. Cardholders can call the customer service hotline 24 hours a day for consultation or account enquiries. If you lose your Peony RMB credit card, you can handle emergency payment stops through the customer service hotline no matter where you are.

Baidu Encyclopedia-ICBC Credit Card