Overseas credit card processing fee 1.5%.
Extended data
ICBC's overseas remittance fee
Remittance to other overseas banks: the handling fee is charged at 1‰ of the remittance amount, with a minimum of 50 yuan per transaction and a maximum of 260 yuan per transaction, plus the telecommunication fee (if any). Remittance to overseas ICBC (ICBC Express Peer-to-Peer Remittance): The handling fee is charged at 0.5‰ of the remittance amount, with a minimum of 50 yuan per transaction and a maximum of 260 yuan per transaction, and the telecommunication fee is exempted.
How much is the handling fee for online payment of overseas fees by ICBC credit card?
At present, the mainstream foreign exchange online payment channels charge sellers' fees, so you can shop with confidence and don't have to worry about the fees.
Is there a handling fee for using ICBC's visa credit card overseas? How to calculate
There is no handling fee if you use VISA credit card for consumption abroad. For cash withdrawal, international credit card organizations will withdraw cash through channels (including Hong Kong, Macao and Taiwan): 2.9% of the cash withdrawal amount is charged for each cash withdrawal, with a minimum of HK$ 3/MOP/USD/Euro, and other++minimum US$ 3 is equivalent to++.
Interest-free repayment is not available for overdraft withdrawal, and interest is charged at the daily rate of 0.5 ‰ from the bookkeeping date, and compound interest is calculated monthly (quasi-credit card is calculated at simple interest).
The handling fee for overseas withdrawal of credit cards is as follows:
1. Overseas UnionPay channels (including Hong Kong, Macao and Taiwan): the amount of each withdrawal is RMB 1%+ 12 yuan, with the lowest 14 yuan and the highest1/2 yuan;
2. International credit card organizations (including Hong Kong, Macao and Taiwan) withdraw money: a handling fee of 2.9% is charged for each withdrawal, with a minimum of HK$ 3/MOP/USD/Euro, and other++minimum US$ 3 is equivalent to++.
What is the handling fee for overseas inquiry/withdrawal of ICBC bank cards?
Cross-border ATM inquiry fee: 4 yuan/transaction, and++account is charged according to the equivalent value++.
The handling fee for overseas withdrawal of credit cards is as follows:
1. Overseas UnionPay channels (including Hong Kong, Macao and Taiwan): the amount of each withdrawal is RMB 1%+ 12 yuan, with the lowest 14 yuan and the highest1/2 yuan;
2. International credit card organizations (including Hong Kong, Macao and Taiwan) withdraw money: a handling fee of 2.9% is charged for each withdrawal, with a minimum of HK$ 3/MOP/USD/Euro, and other++minimum US$ 3 is equivalent to++.
Tips:
Overdraft cash withdrawal does not enjoy interest-free repayment period, and interest is charged at the daily rate of 0.5 ‰ from the bookkeeping date, and compound interest is calculated monthly (quasi-credit card is calculated at simple interest).
How much is the installment fee for ICBC credit cards?
ICBC credit card installment fee calculation formula:
Handling fee = installment interest rate of installment principal.
ICBC's credit cards are divided into six periods: 3, 6, 9, 12, 18 and 24. The handling fees are 3 1.65%, 6/3.6%, 9/5.4%, 12 and 7.2% respectively.
Staging methods include summary staging, cash staging and consumption staging. The handling fee is a one-time payment in the first installment and cannot be paid in installments. Moreover, the installment function can only be used if a single consumption reaches 600 yuan. There are two repayment methods: full repayment, application for early repayment and partial early repayment.
The most common 12 installment fee of 7.2% is equivalent to the annual interest rate of 7.2/(12+1) 24 =13.29%.
The handling fee of ICBC 12 is 3.58%, and the annualized interest rate is 6.6 1%, which is equivalent to 1. 1 times of the one-year loan benchmark interest rate of 6.0%.
0.0358/1324 = 0.06609 = 6.61%will be collected by stages.
For the first installment, the annualized interest rate should be divided by (1- installment fee).
The down payment is 0.0358/1324/(1-0.0358) = 0.06854 = 6.85%.
Extended data
Credit card bill installment application requirements:
1. Time to apply for installment bills
From the trading day to the repayment date, you can freely choose the installment transaction under RMB or USD account.
For unbilled transactions: you can apply for installment payment between the transaction date of 19:30 and the billing date of the bill corresponding to the transaction.
For bills that have been issued, you can apply for installment from the day after the billing date to the due repayment date (for customers with automatic repayment in the account, the deadline for application is due repayment date 17:00).
2. Conditions for applying for installment bills
The applicant must hold a personal card with a bank credit card, have a good record of using the card and have no delay in repayment in the current period. Customers who only hold business cards, business cards, purchasing cards, ANA protection cards or supplementary cards cannot apply for bill installment for the time being.
3. Bill installment application amount
For the installment payment of RMB bills, the minimum application amount shall not be less than 300 yuan RMB each time; For the installment payment of USD bills, the minimum application amount shall not be less than USD 65,438+000 each time. After the installment of RMB or USD bill is successful, the principal and handling fee of each installment will be credited to RMB account, that is, the installment amount of USD bill will be converted into RMB at the exchange rate specified at the time of application.
Icbc credit card withdrawal fee and interest
The handling fee for domestic withdrawal or transfer (including off-site) of RMB account of credit card is as follows: 1% of the cash withdrawal amount, with the lowest 2 yuan and the highest 100 yuan. For domestic cross-bank ATM withdrawals, charge: credit card: 4 yuan/pen, quasi-credit card: 3.5 yuan/pen.
From July 25th, 20021year, ICBC temporarily exempted the handling fee for RMB withdrawal or transfer transactions with quasi-credit cards and the handling fee for domestic ATM interbank withdrawals.
Overdraft cash withdrawal does not enjoy interest-free repayment. In addition to the cash withdrawal fee, the overdraft cash withdrawal part will be charged with overdraft interest of 0.5 ‰ on a daily basis from the bank bookkeeping date until it is paid off.
Tips:
1. Handle the self-owned deposit in the account in the card-issuing area and pay the handling fee for the transfer transaction between domestic interbank accounts;
2. Military official cards are free, domestic transactions of platinum cards and above are free, and international debit cards do not charge local withdrawals and handling fees;
3. Budget business cards (including provincial budget business cards) and armed police business cards are temporarily exempt from handling fees for withdrawing cash or transferring their own deposits in card-issuing areas.
(Answer time: April 22, 2022. In case of business changes, please refer to the actual situation. )
Does ICBC charge for swiping cards in different places?
ICBC's credit card has no geographical concept, and there is no handling fee for credit card consumption in the country.
The credit card itself does not have local and remote problems. If you swipe your card directly on the POS card reader, the handling fee will be borne by the merchant, and the cardholder will not bear the handling fee. If you withdraw cash directly from ATM, there will be differences between local and remote places. For example, ICBC's credit card does not charge a handling fee for local withdrawals, while banks such as China Merchants Bank charge a handling fee of 1% for ATM withdrawals, whether local or off-site.
ICBC's bank cards are divided into credit cards and savings cards, and the fees charged for withdrawals from different places are different, as follows:
1, China Industrial and Commercial Bank's savings card is free of charge for withdrawal from other places. For withdrawals from different places, 4 yuan and a handling fee of 0.5% of the withdrawal amount will be charged, with a maximum charge of 50 yuan.
2. The handling fee for withdrawing RMB from ICBC credit cards in China (including other places) is charged at 1% of the amount, ranging from 2 yuan to 100 yuan.
There is no handling fee for ICBC credit card swiping in different places. No matter which bank's credit card is swiped, no matter where it is swiped, there is no need to pay extra handling fees. A handling fee of 1% is charged for cash withdrawal, with a minimum of 10 yuan per transaction.
When using a credit card, please follow the following methods:
1. When swiping your card, please don't put your credit card away from your sight to avoid misuse or theft; 、
2. Don't sign a blank or unfilled bill at will;
3. Before signing, please be sure to confirm whether the++and the signed amount listed in the signed bill are correct, and pay attention to whether the consumption currency and the amount expressed in words and figures are correct;
When using a credit card, you must sign to confirm the consumption. Generally, you don't need to show your ID card or enter your password. However, please cooperate in the following situations: due to the operating specifications, POS machines in some cities still need to enter passwords, so please enter 6 digits at will. If you spend a lot of money or buy goods that are easy to realize, it is recommended that you enter an accurate ATM private password.
How to calculate the handling fee of ICBC credit card?
I. Credit card charging institutions
1, the issuing bank, that is, the bank that handles credit cards for you. Credit cards are also credit products and cost money. Of course, banks will not do business at a loss, which is the biggest expense. Since the exchange reform on September 6th, the overall charge has been around 1 10,000 60 yuan, and the card issuer has to deduct at least 40 to 50 yuan.
2. The clearing institution, namely the UnionPay clearing organization under the central bank, shall pay all normal transactions on the second working day after the liquidation of UnionPay, and the maximum single amount shall not exceed 7.5 yuan. Usually it takes about 3 1 5 yuan to trade 10000 yuan.
3. The acquiring institution is mainly composed of banks and third-party payment licensees. After deducting the above 1 and 2 fees from the handling fee, the rest will go to the first acquiring institution.
Second, the credit card rate:
How much is the charge for credit card? What is the handling fee standard for POS card swiping?
On September 6, 20 16, the National Development and Reform Commission and the People's Bank of China issued the Notice on Improving the Pricing Mechanism of Credit Card Handling Fees, which was officially implemented. The credit card rate has been adjusted, and the sharing ratio of the whole system has also changed. The original share ratio of 7:/kloc-0: 2 of issuing bank, UnionPay and payment company was broken, which was called 96 fee reform.
96. The main contents of the fee reform:
1. The upper limit rate of credit card (credit card) fee change was cancelled.
2. Integrate multiple rates. After integration, there are only two types (standard merchants and non-standard merchants).
3. The proportion of three-party credit card fees is clearly defined.
0.78% of the general category and 1.25% of the catering and entertainment industries such as clothing, ktv, catering, gold jewelry, stationery, hairdressing and dry cleaning. All of them have been merged into the current standard category.
That's the end of the introduction of the handling fee for ICBC credit cards.