How to use ICBC's mobile banking for credit card repayment

Now, mobile phone operation can also be used for repayment without going to the bank. Next, let's talk about how to use ICBC's mobile banking for quick loan repayment.

1

First, we need to download an industrial and commercial mobile banking software from the mobile phone app store.

2

If you have registered, log in with your ID number, and if you have not registered, register one first.

3

Enter the main interface of ICBC Mobile Banking, and you will see the column of credit card, and then click Enter to find the column of automatic repayment of credit card.

4

Then click "Enter" and find a credit card for automatic repayment, which is convenient and quick.

how to use the mobile phone credit card

How to use the mobile phone credit card:

1. Download and install the Netease Rich App (version APP(3.2.) in the iOS15. version of the iPhone13, and log in (you can log in by using 163 email, WeChat and Weibo, and you can save data and synchronize data on different devices after logging in).

2. click "add assets" on the home page of assets and select "credit card".

3. Select the credit card to be managed and add it. At present, this APP supports the synchronization of 21 credit cards, which makes it convenient to manage credit cards. Basically, mainstream bank credit cards can directly obtain information such as billing date, repayment date, points, limit, arrears and bill details, which is very convenient. (To start synchronization, you need to log in to the online banking in the APP, but they are covered by Pacific Property Insurance, which is more secure than the small company APP)

4. When you need to get the latest credit card bill and debt information, just click Synchronization on the page.

5. if your credit card supports automatic synchronization, you can see the latest credit card details by opening the APP every day, and there will be a message prompt after the automatic synchronization is completed.

6. Every card will be reminded by a message one day before the repayment date, so it is not easy to miss the overdue repayment date.

Skills of using mobile credit card:

1. Change the billing date and extend the interest-free period. Many banks' credit cards can change the billing date. If the credit card is not available for a while due to special circumstances, you can modify the billing date before the billing date and push the billing date back, thus extending the billing time. However, it should be noted that the billing date can only be modified once or twice a year, so please modify it carefully.

2. Time to apply for repayment. Most bank credit cards will have a grace period of 1-3 days after the final repayment date (ICBC does not). If they are not up by the final repayment date, you can call the bank to explain the situation and then repay them in a day or two. This will not be overdue, but it must not exceed the final grace period, otherwise it will be overdue.

3. No minimum repayment. Some people will choose the minimum repayment when they don't pay for it for a while, but people who use credit cards for a long time generally don't choose the minimum repayment. Because the minimum repayment interest is quite high, and there is no interest-free period, and often the minimum repayment will affect the credit card withdrawal.

4. Pay off the full bill with a low amount. That is, you can pay off the bill in full with about one tenth of the bill amount. The method is to start repayment after the bill comes out, then brush out the money and return it, and so on, so that it can be paid off before the final repayment date. This method is very clever, but you must pay attention to the details when operating. When the details are done, you can easily repay the loan and also play the role of raising the card. If you don't pay attention, it may lead to a credit card downgrade.

5. bill for future consumption. The most basic skill in using credit cards is to make rational use of the interest-free period. If you spend after the bill date, you can enjoy the interest-free time to the greatest extent. Especially when making large purchases, you must pay attention to the billing date of the credit card. After the bill is spent, you can get more than 5 days of interest-free time. However, if you spend money before the bill, you may spend it today and repay it tomorrow, which will lose the meaning of using a credit card.

6. Repay on the last repayment date. Many novices who use credit cards can't figure out what the billing date is and what the final repayment date is. Always pay back as soon as the monthly bill comes out, which greatly reduces the interest-free time of credit cards. From the billing date of a credit card to the final repayment date, there is generally a repayment grace period of about 2 days, and the interest-free period can be effectively used for repayment on the final repayment date. There is no benefit in early repayment, so it is better to put your cash in the money fund to earn some interest.

7. Set automatic repayment. In order to effectively use the longest interest-free period and avoid overdue, automatic repayment must be used. At present, the credit card repayment functions of Alipay and WeChat are very easy to use. Set up automatic repayment or scheduled repayment in advance, and don't bother to remember the repayment date. Note that when using automatic repayment, we must pay attention to the "fund pool" and ensure that the monetary fund or debit card for repayment has enough money, otherwise it will be overdue.

how to use ICBC's digital credit card?

① To apply for an ICBC digital card, you can go to ICBC branch with your ID card, or call ICBC customer service hotline 95588 to apply for an entity card. You can also APPly for a physical card on the mobile app, and the bank will reissue the physical credit card to the cardholder, unchanged.

② In addition, the ICBC digital card does not need a physical card, and can be used through ICBC's self-operated platforms (online banking, mobile banking, etc.) or bound to other third-party payment platforms (Alipay, WeChat, flash cloud payment, etc.).

③ ICBC digital cards generally refer to virtual cards (credit cards) issued by ICBC. After users apply for activation, they can be bound to mobile banking or third-party platforms for use. Other functions, such as bill installment, account security lock and rights inquiry, can be operated on ICBC E Life APP. At the same time, it also refers to the digital credit card, which is a virtual card with platinum card level. It is not supported to apply for a supplementary card or handle it in the form of an attached card.

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① The online settlement function of ICBC's online banking can make customers change the traditional settlement mode of manually filling out paper vouchers and sending them to the bank, and adopt online submission of safer and more efficient electronic payment instructions, which can complete most daily settlement work such as transfer in the same city and remittance in different places without leaving the office, making you more convenient and relaxed, and experiencing the new feeling of online office in the E era.

②. The mall has the following functions:

a: instruction inquiry;

b: The head office of a group enterprise can inquire each completed electronic payment instruction or each uploaded batch instruction file one by one, check the detailed information of the instruction, and determine the status of the instruction, so as to monitor and manage the whole process of filling, approving and voiding electronic payment instructions.

c: flow direction combination authorization;

d: online shopping;

e: customer service; Home page customization: customers can choose the home page displayed after logging in to ICBC corporate online banking, so as to adapt to their own usage habits, reduce the waiting time for logging in, and directly carry out business processing. Customer data management: customers can browse and modify their basic information online, such as contact number, fax, e-mail, company name, legal representative, etc. Online help: customers can get online operation guidance and help when they encounter difficulties in operation. Customer certificate maintenance: customers can modify the login password of customer certificate offline at any time;

f: financial information;

g: group financing mode;

h: service remote monitoring and authorization mode;

i: support BtoB and other business models.

operating environment: Huawei nova7Pro2...168 China Industrial and Commercial Bank of China 12.6.

How to use ICBC digital credit card

The usage methods of ICBC digital credit card are mainly as follows:

1. Users should bind with third-party payment software, such as Alipay and WeChat payment, before using it.

2, payment is to change the payment method to ICBC digital credit card. If there is a physical card, the user can swipe the card directly on the pos machine or bind it to the third-party payment software.

1. A credit card, also called a debit card, is a credit certificate issued by a commercial bank or credit card company to a qualified consumer. It is in the form of a card with the name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to special commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.

2. The credit card stipulated in the relevant laws of our country (Interpretation of the NPC Standing Committee on the Provisions on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or some functions such as consumer payment, credit loan, transfer settlement, cash deposit and withdrawal [1-2]. On December 1, 217, the Standard for English Translation and Writing in Public Service Field was officially implemented, stipulating that the English name of the credit card standard is CreditCard[3].

3. Credit card consumption is a non-cash transaction payment method. You don't need to pay cash when you consume, and you can make repayment on the BillingDate. Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which cardholders have a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the specified credit limit. The credit card generally refers to a credit card.

4. from January 1, 221, the credit card overdraft interest rate will be determined by the card issuer and the cardholder through independent negotiation, and the management of the upper and lower limits of the credit card overdraft interest rate will be cancelled (the original upper limit is .7 times of the daily interest rate, and the lower limit is .7 times of the daily interest rate).

operating environment: vivo mobile phone: y938.1. wechat: 8..13 AliPay: 1.2.33 ICBC: v6.1..92

how to use ICBC credit card

the usage of ICBC credit card is as follows:

1. Log in to personal online banking and select "Credit Card".

2. Log in to ICBC Mobile Banking and click "Credit Card Inquiry" in the "Credit Card" service to inquire about credit card details;

3. Pay attention to ICBC WeChat WeChat official account "Customer Service of China Industrial and Commercial Bank", and you can click on "Smart Finance", "Credit Card", "Get Card Now" and "Application Progress Inquiry" to inquire.

4. Call the customer service hotline of ICBC, select manual service, and open the credit card and ID number.

Let's stop here for the introduction of how to use ICBC's mobile credit card.