Industrial Bank’s Peach Blossom Credit Card: It’s right to use points for online shopping

Industrial Bank has a Peach Blossom Credit Card, which is very good. In addition to the beautiful appearance of the card, another highlight of this card is that you can earn points for online purchases using it. If you are interested in this credit card, it is recommended that you have a general understanding of some aspects of the card before applying, such as application conditions, annual fees, limits, benefits, etc. Let’s take a look below.

Let’s take a look first, what kind of credit card is this?

Industrial Peach Blossom Credit Card is a DIY product of Industrial PASS Credit Card. The card surface design is very beautiful, with pink as the main tone. The colorful peach blossoms on the picture give people a very gentle feeling.

In addition to the basic benefits of Industrial Credit Card, this card also provides points for every online transaction using this card. Customers who use a credit card to satisfy any card transaction of more than 100 yuan (inclusive) in the current month can enjoy the discount of points accumulated for online transactions in the following month.

Next, let me introduce the application situation of this credit card

This Peach Blossom Credit Card has several ways to apply for the card, such as counter, salesperson, and online application, and online application is undoubtedly the fastest. The most convenient way.

Under normal circumstances, it usually takes 10 working days to get the result when applying for an Industrial Credit Card. However, if you apply online, you can get the review result in as fast as 5 minutes. However, the review time is also different depending on the applicant's qualifications. The review time for cardholders is much faster than for customers applying for a card for the first time.

However, Wangshen Industrial Credit Card will send you a virtual card text message after it is approved, and you will often be asked to bring your valid ID and go to the local branch to activate it with the text message notification sent by the bank. You can obtain a virtual credit card information, which can be directly bound to Alipay, WeChat, etc. for online consumption.

Then evaluate how much credit limit you can get by applying for the card

Like all credit cards, the Peach Blossom Credit Card limit is mainly given by the bank based on the comprehensive score of the information submitted by the applicant. The items include age, gender, unit, income, position, housing, education, marriage, real estate, professional title, etc. The higher the comprehensive score, the higher the amount.

In addition, the credit limit of Peach Blossom Credit Card has a great relationship with the card level. You must know that Industrial Bank Credit Card has regular card, gold card, platinum card and other levels. Different levels correspond to different limit ranges. Generally speaking, Industrial Bank credit cards have different levels. The overdraft limit for credit card and gold card is less than 50,000 yuan, while the overdraft limit for platinum card is generally more than 50,000 yuan. The specific overdraft limit is subject to actual approval.

If you want to get a high credit limit, you can start by filling in the application form. You must know that when filling in the information, the bank will evaluate the card applicant based on your personal information, resume, etc., and some will add extra time to the evaluation. If you fill in the divided items and pay attention to the skills, you will achieve the goal of high quota.

It should be reminded that all cards under the same account of Industrial Credit Card holders, including the main card and supplementary cards, are entitled to a limit, but this limit is only shared, not cumulative. , when any card or account spends a certain amount, the available credit limits of these cards and accounts will be reduced accordingly.

In addition to the limit, let’s learn about the annual fee of the card

This credit card has two levels: regular card and gold card. Credit card charging standards for different levels are different, as follows:

1. Regular card: The annual fee for the main card is 80 yuan/card/year, and the annual fee for the supplementary card is 40 yuan/card/year;

2. Gold card: The annual fee for the main card The annual fee for additional cards is 200 yuan/card/year, and the annual fee for additional cards is 100 yuan/card/year.

In addition, Industrial Bank stipulates that the annual fee for the Jinpu Card will be waived in the first year. If you swipe the card or withdraw cash 5 times within a year, with no limit on the amount, the next annual fee will be waived, and so on. If the account Not activated, no annual fee charged.

Note: The annual fee exemption rule for Industrial Bank credit cards applies to accounts. The main card and the supplementary card belong to the same account. Therefore, as long as the account (including the main card and supplementary card) swipes the card or withdraws cash 5 times within a year, the main card will be exempted. The annual fee for the following year is waived for all additional cards.

Next, let’s take a look at the cash withdrawal matters of this credit card

Industrial Bank’s credit card can be withdrawn through ATM machines, bank counters, online banking, Industrial Bank customer service hotlines, and Industrial Mobile Banking, etc. You can withdraw cash through various channels, including cash advance and overpayment recovery. Some channels also support inter-bank cash withdrawal, and Taohua Credit Card is no exception.

However, please be reminded that handling fees will be incurred when you withdraw cash. The cash withdrawal amount and handling fees will be recorded into your account at the same time and entered into the current bill. The sum of the cash withdrawal amount and cash withdrawal handling fees cannot exceed the available cash withdrawal limit of your credit card.

Peach Blossom Card cash withdrawal fees can be divided into two situations, one is withdrawing cash within the credit limit, and the other is withdrawing cash due to overpayment of the credit card or depositing money into the credit card. The specific fees are as follows :

1. Overdraft cash withdrawal handling fee

When withdrawing cash with Industrial Bank credit card, whether at our bank or another bank, the handling fee is charged at 2% of the cash withdrawal amount, with a minimum of RMB 20 yuan (even if you only withdraw 100 yuan, a handling fee of 20 yuan will be charged), there is no upper limit. No inter-bank handling fee will be charged.

2. Overpayment retrieval handling fee

It is charged at 0.5% of the cash withdrawal or transfer amount, with a minimum of RMB 5.

Industrial Peach Blossom Credit Card is a DIY card of the Industrial Bank PASS Credit Card. Its benefits are similar to those of pass, especially the points that can be exchanged for online transactions.

So, you can use this credit card to earn points by swiping your card on all online shopping websites. It’s no problem to swipe your card to earn points at Taobao, JD.com, Yihaodian and other comprehensive online shopping malls. You can also use this credit card to earn points by swiping your card at specific online shopping malls such as Didi and Kuaidi Taxi. Points are also calculated for transactions on the required website, and points can be calculated normally whether using "UnionPay Online" payment, Alipay, WeChat payment and other payment channels:

January 1, 2017 to December 2017 On March 31st, as long as cardholders spend any amount of 100 yuan in the month when they apply for card opening, they can enjoy the discount of points accumulated for online transactions in the following month. This activity can earn up to 10,000 points for the month.

The above is an analysis and introduction to all aspects of this Industrial Peach Blossom Credit Card. If you think it is good, please give it a thumbs up. If you think it is not comprehensive enough, please give us feedback on the questions you want to know and we will make up for it later. , I sincerely hope this guide can be helpful to everyone.

How to apply for Industrial Peach Blossom Credit Card/Application Conditions

Industrial Peach Blossom Credit Card is a DIY product of Industrial PASS Credit Card. The card surface is designed with pink peach blossom as the main tone, giving people a very warm feeling. Feel. In addition to the beautiful appearance of the card, this card can accumulate points through online transactions. Women who love beauty can apply for one. So, how to apply for this peach blossom credit card? What conditions need to be met are introduced below.

1. Application conditions

(1) Principal card applicant: 18-60 years old and above, with full capacity for civil conduct, a legal and stable source of income and good credit.

(2) Supplementary card applicant: over 16 years old and capable of civil conduct;

(3) Provide corresponding supporting documents: copy of ID card, proof of work income.

2. Application method

This Peach Blossom Credit Card has several ways to apply for the card, including counter, salesperson, and online application. Online application is undoubtedly the fastest and most convenient way.

3. Application tips

Tip 1. The unit is very important, and it is more reliable to apply in a group with colleagues

The bank has the final say on whether it is a high-quality unit. For example, employees affiliated with state-owned enterprises, public institutions, Fortune 500 companies, etc. can more easily gain the trust of banks and it is relatively easy to apply for a card.

Tip 2: The success rate of applying for a card is higher

If you have a large credit card from another bank that has been used for more than one year, you can use the card as proof of financial resources to apply. With the Little Yellow Duck Credit Card, the success rate of applying for the card is very high. Of course, the premise is that you must repay on time and have no bad credit.

Tip 3: Seize the opportunity to apply for a credit card

March, April and May in the first half of each year are the best times to apply for a credit card.

It is said that with the same information and applicant conditions, the success rate of submitting an application at this time will be greatly increased.

Tip 4: Use high-quality bank customers as introducers

When applying for a credit card, the applicant will be asked to fill in the "introducer" item. It is best for the introducer to write about a high-quality customer of Industrial Bank. You must know that the credit status of high-quality customers will more or less affect the result of the application. Let high-quality customers introduce you to apply for a card. Firstly, it will increase the chance of successful card application and the credit limit. Secondly, it can also let the introducer get some introductions from the bank.

Does the Industrial Peach Blossom Credit Card have points for online shopping?

Many credit cards do not have points for online shopping. Of course, there are also some special credit cards, such as this Peach Blossom Credit Card from Industrial Bank, which can be used when shopping online. It has points for every payment, which can be said to be a must-have credit card for online shoppers. Let’s learn about the points of this credit card together.

Industrial Peach Blossom Credit Card is a DIY card of the Industrial Bank PASS Credit Card. Its benefits are similar to those of pass, especially the points that can be exchanged for online transactions.

So, you can use this credit card to earn points by swiping your card on all online shopping websites. It’s no problem to swipe your card to earn points at Taobao, JD.com, Yihaodian and other comprehensive online shopping malls. You can also use this credit card to earn points by swiping your card at specific online shopping malls such as Didi and Kuaidi Taxi. Points are also calculated for transactions on the required website, and whether you use "UnionPay Online" payment, or payment channels such as Alipay and WeChat payment, points can be calculated normally.

So, what are the online shopping points of this credit card?

1. From January 1, 2017 to December 31, 2017, as long as cardholders spend any amount of 100 yuan in the month when they apply for card opening, they can enjoy the points accumulated for online transactions in the following month. offers. This activity can earn up to 10,000 points for the month.

For example: Xiaoqi successfully applied for a Peach Blossom Credit Card in March and made a purchase of 100 yuan in the supermarket that month. Then, if Xiao Wang’s online shopping amount reaches 3,000 yuan in April, he can get 3,000 yuan. integral.

2. The transactions with the additional card will be recorded into the main card account. When the main card meets the conditions and can enjoy this benefit that month, the additional card can also enjoy it at the same time. The points earned will be recorded into the main card account. The main card will receive points that month. The total number of bonus points is up to 10,000 points. If a customer applies for multiple PASS credit card master cards, the total number of bonus points for all cards in the month is capped at 10,000 points.

In addition, in addition to the points for online shopping with Peach Blossom Credit Card, the Industrial Bank Taobao Co-branded Credit Card also has points for online shopping. Cardholders can use "Quick Payment" when shopping at merchants marked "support credit card payment" on Taobao. After completing the transaction, you can not only enjoy the reward points, but also use the points to deduct cash at the ratio of 500 points to 1 yuan.

The validity period of the Industrial Bank Credit Card Peach Blossom Card

The Industrial Bank Credit Card Peach Blossom Card is calculated on an annual basis, and the annual fee is RMB 200.

The Industrial Bank Peach Blossom Credit Card is an exclusive credit card tailor-made for female friends. The card design is very beautiful. If you apply for the Industrial Bank Peach Blossom Credit Card at present, you can waive the first-year annual fee. Applicants applying for the Industrial Bank Peach Blossom Credit Card need to be between 18 and 60 years old, have a stable job and stable income, and be able to repay the interest on the credit card consumption amount on time. It is reported that this Peach Blossom Credit Card currently has several ways to apply for the card, including counter, salesperson, and online application, and online application is undoubtedly the fastest and most convenient way. It is reported that the annual fee for the main card of Industrial Bank Peach Blossom Credit Card is RMB 200. The annual cash advance limit is 50% of the credit card limit, and the interest-free period of the credit card is between 20 and 50 days. After consumption with the Industrial Bank Peach Blossom Credit Card, if there is no interest-free period, an interest of 0.05 will be charged every day. The SMS notification fee for credit card consumption is 3 yuan per account per month.

That’s it for the introduction of Xingye Peach Blossom Credit Card.