There is no essential difference between ICBC etc credit card and other credit cards, but the credit card itself contains different rights and interests. For example, if you use ICBC etc credit card, you can enjoy 15% discount on highway tolls, 9.5% discount on cashback, 30% discount on cash installment, and free handling fee for early repayment, which is quite suitable for car owners.
ICBC etc credit card can be processed directly at the bank counter, and the grade of this card is gold card. It should be noted that this credit card is also a multi-currency credit card, with RMB account and four accounts of USD, EUR, MOP and HKD. Payment methods such as swiping, inserting, waving and scanning are supported when using.
Users usually use ICBC etc credit card to repay in time, and there can be no overdue repayment, because overdue repayment will generate penalty interest, and banks will also upload overdue records to the credit information center, which will affect the handling of various loans after personal credit information becomes bad.
If you can't repay on time after using the credit card, you can use installment repayment or minimum repayment amount at this time. Users can also borrow money from friends around them to avoid overdue repayment, and they can return it to their friends in the future. In order to avoid not being able to repay the loan on time after using the credit card, the user's consumption should not exceed the personal economic burden.
Can ICBC handle ETC credit cards?
ICBC can handle ETC credit cards. ICBC ETC Credit Card is a livelihood service credit card product tailored by China Industrial and Commercial Bank for the majority of car owners, which has both convenient ETC high-speed transportation and preferential rights for car use.
ICBC ETC credit card is issued as a gold card, and the annual fee is free within the validity period. This product is a UnionPay brand multi-currency card, RMB account, and four accounts of USD, EUR, MOP and HKD. The card medium is a magnetic stripe PBOC non-connected chip card, which supports the payment modes of swiping, inserting, waving and scanning cards, and the domestic and foreign payments are unimpeded.
Extended data:
All ICBC ETC credit card customers who successfully handle the ETC business in ICBC online and offline channels can get an ETC electronic tag (that is, OBU equipment, one for each vehicle) for free. If you apply through online channels, we will mail OBU equipment directly to the designated address filled in when applying.
Online channels include ICBC e-Life APP and Rong e-Bank Mobile Banking App; China Industrial and Commercial Bank, China Industrial and Commercial Bank Electronic Bank, China Industrial and Commercial Bank Credit Card WeChat official account and China Industrial and Commercial Bank branches online channels. The offline channel is nearly 5,000 one-stop service outlets of ICBC and other ICBC external ETC processing stations.