ICBC credit card deposits have no interest.

The process of applying for a credit card is as follows:

First, apply for an appointment online; Submit application materials

Second, after the application materials are submitted, the bank will conduct a preliminary examination. After the application is approved, the bank staff will contact to confirm and collect personal information (identity certificate, work certificate, financial certificate); Or you can go to the bank to submit proof materials yourself.

1, and the age must be between 18-60 years old;

2. Identification certificate: generally, it is an ID card (if a new ID card is used, a copy of the front and back is required), and soldiers need to provide a copy of their ID cards;

3. Work certificate: it can be the original work certificate issued by the employer (please indicate the specific company name, department, position and income, and affix the official seal or personnel seal of the company), or a copy of the work permit/card verified and marked by the sponsor;

4. Proof of financial resources: it can be a payroll record issued by a bank, an income tax withholding certificate, or a market value certificate of a house, a car, a deposit or an investment (such as a copy of the real estate license/car driving license/bank time deposit certificate) and other materials that can prove the financial level.

Other documents for reference include: personal account list of social insurance in the last 6 months, water, electricity and gas bills, credit card bills of other banks, etc.

3. After the data is approved, mail the card according to the filled mailing address information;

Fourth, activate the binding card opening.

Can I deposit money with a credit card? You may have done something stupid!

Credit cards and debit cards belong to different types of cards. Debit card is a kind of credit tool, which has the functions of transfer settlement, cash deposit and withdrawal, shopping and consumption, but it does not have overdraft function. Credit card is a payment card that provides cardholders with consumer credit and pays after purchase. We all know that debit cards (savings cards) can save money, but can credit cards save money?

1. Interest-free deposit

It is ok to deposit money by credit card. The money deposited is called overpayment. Unlike deposits in debit cards or passbooks, overpayment will not generate interest. In fact, an interest-free deposit is equivalent to an interest-free debit card. For example, ICBC credit card.

2. Cash withdrawal expenses

If you want to take it out, you have to pay a certain handling fee and you can only spend it by credit card. Cash withdrawal by credit card is regarded as cash advance, and a handling fee is charged, but no interest is charged (provided that the cash withdrawal amount is within the credit card deposit limit), and according to the regulations of the People's Bank of China, a credit card (debit card) can only withdraw 2,000 yuan or equivalent RMB and foreign currency every day. For overpaid cash withdrawals, the fees charged by banks are not uniform, ranging from the lowest handling fee to the lowest basic fee 1 yuan -30 yuan, and the highest capping fee is 50-500 yuan.

However, some banks have cancelled the fees for recovering the overpayment. Six banks, including Huaxia, Beijing and Ningbo, are free of charge, while banks such as Bank of China, China Construction Bank, ICBC, Agricultural Bank of China, Bank of Communications, Minsheng and China Everbright are free in the local area. The standards of all banks are not updated regularly. It is recommended that the cardholder call the bank customer service at any time to confirm that there is no extra charge for taking out the overpaid part.

Can I save money with my ICBC credit card?

You can deposit money in a credit card, but unlike a debit card, no matter how much or how long you deposit it, there is no interest. Not only that, if you want to withdraw the money from the deposit, most banks will charge an overpayment to get back the handling fee. The so-called overpayment refers to the overpayment of funds by credit card users or the funds deposited in credit card accounts, and a certain fee must be paid when they take them out. Simply put, there are some deposits in the credit card that exceed the bills that should be repaid, and there is a charge for taking them out.

Although credit cards can save money, it's best not to deposit money in credit cards. You have to save money.

Therefore, it is recommended not to do so. Because you have to pay a handling fee to take out the money you have saved and turn it upside down, banks don't distinguish between their own money and overdraft bank money. In the end, you have no choice but to pay by credit card. Of course, if you just want to make more money, of course you can.

Can I deposit money with a credit card? Is there a handling fee for withdrawing credit card deposits?

Generally speaking, credit cards can deposit money, but standard credit card deposits have no interest, and you need to pay a handling fee when you take out the deposited money (this situation is called overpayment recovery).

For the overpayment, banks charge different fees, ranging from 0.5% to 3%, from 1 yuan -30 yuan to 50 yuan -500 yuan. Some banks even charge the lowest fees, and the highest fees are not capped. Cardholders need to pay a fee if they want to withdraw extra deposits.

So credit cards and debit cards are very different. Before and after handling the credit card, you must know more about the relevant knowledge and the charging situation, so as to avoid unnecessary expenses and trouble in the process of using it.

Is there a handling fee for withdrawing credit card deposits?

1. It is easier to deposit money into a credit card account than to take it out.

A few days ago, Mr. Zhang deposited a large sum of money into his credit card account for business needs. He wants to take it out, but he is afraid of the handling fee. After consulting ICBC, I learned that it is free to withdraw the money from the local ICBC credit card, and there is no charge for transferring it to the local ICBC card, but the card transferred to other banks will be charged a handling fee of 1%, ranging from 2 yuan to 100 yuan. Other banks also have their own regulations, and the cash withdrawal fee rate ranges from 0.5% to 2.5%. In addition, the transfer of self-owned funds may also incur expenses, and some banks do not even support transfer, such as Agricultural Bank of China, China Construction Bank and Guangfa (see the table below for details). This means that if you don't want to pay cash withdrawal or transfer, the money saved in the credit card can only be deducted from the monthly credit card amount until it is deducted.

Interviewing the relevant personnel of the bank said that the credit card mainly supports credit card consumption, and the amount deposited in it does not pay interest, so it is not cost-effective to put money on the credit card.

Credit card can save money, but there is a handling fee for withdrawing money. Details of credit card withdrawal fees of major banks.

Xiao Li is a salesman of a company in Qingdao and occasionally travels. No, a friend who borrowed money from him just returned him 5000 yuan when he was on a business trip the other day. After Xiao Li got the money, he was worried that it was not safe to put it on him and it was inconvenient to take the train, so he put the money on his credit card.

A few days later, Xiao Li returned to Qingdao and just needed money, so he took it out directly from his credit card. He feels that there is no debt on his credit card, and there should be no handling fee for taking out the 5000 yuan he has saved. But when the credit card bill was sent to him later, he found that the 5000 yuan he had withdrawn was still deducted by the bank.

Xiao Li wondered that his credit card was not in arrears. How much is the deposit? With doubt and a little anger, Xiao Li got through the bank hotline. The customer service staff told him that the extra money saved by credit cards is called overpayment. Although it is the customer's own deposit, credit card and debit card are different, which is stipulated in the agreement for handling credit card, so a certain handling fee will be charged for taking it out. Xiao Li suddenly realized this and understood the reason. Now, when Xiao Li is asked, "Can a credit card save money?" He will definitely tell you, "Yes, but unlike debit cards, there is a handling fee for withdrawing money."

Through Xiao Li's experience, we can find that credit cards are not suitable for saving money. Credit cards and debit cards are different in nature. There is a handling fee for saving money by credit card. If there is a credit card balance, you can only spend it by credit card, but you can't take it out. Another point is different from debit cards. Credit card deposits generally do not generate interest. That is to say, even if you deposit 654.38+00,000 yuan on a credit card, 654.38+0 months will not generate interest income of 654.38+0 cents. It seems to be "Can a credit card save money?" Will never bother us again. If you want to deposit money, you should honestly deposit it on a savings card.

In fact, the reason why credit card users have such questions as "Can credit cards save money" is to find reasons from themselves. When individuals apply for credit cards, the bank's explanations and regulations on this issue can generally be found on the bank's credit card application form. Friends who don't have credit cards should pay more attention when they do it. For friends who already have credit cards, it is really necessary to make up their knowledge of using credit cards.

3. Credit card "deposit" fee.

Not long ago, Mr. Yuan Min's business partner wanted to repay him a loan of 80,000 yuan. According to the bank designated by the other party, Mr. Yuan reported an account number. When he went to the bank, he found that due to negligence, Yuan Min actually reported a credit card account number, and this credit card has never been used, and I don't know where it is. Asked what the bank should do, the bank gave a solution: first report the loss, then reissue the card, and then consume the money or withdraw it.

According to the bank's suggestion, Yuan Min spent 50 yuan to report the loss of his credit card, and then made up a new card. "When withdrawing money through the new card, the bank will charge a handling fee according to the standard of 0.5%, with the lowest 2 yuan and the highest 50 yuan, which is said to be an overpayment withdrawal fee." Yuan Ning is a little depressed. "Why don't you go through the bank and the city? Why do you have to charge such a high handling fee to get the money out of the card? "

Bing Wang, a citizen, had a similar experience. He told me that when he applied for a bank credit card, the salesman didn't introduce the usage and precautions of the credit card in detail. As soon as the card was done, he deposited thousands of dollars in the card, only to learn later that the money deposited had no interest at all. When you know and want to withdraw your deposit, you have to pay the relevant handling fee for convenience.

Can ICBC credit card business card deposit and withdraw money like ordinary savings card?

Yes, business cards are credit cards, and there is no interest on deposits. If you need to deposit money, just deposit it directly into the official card. This card is mainly used for official expenses of employees in financial budget units. Of course, it can also be used as a personal consumption credit card.

1. Withdrawals are basically the same as savings cards. There is no handling fee for local ICBC to use its own card to withdraw deposits. The use of business cards is no different from ordinary credit cards. Credit card overdraft limit can enjoy an interest-free repayment period of 25 to 56 days, and the repayment date is fixed. You need to call customer service for consultation, and interest will be charged at the rate of five ten thousandths per day for overdraft withdrawal and overdraft transfer.

2. Business Card Solution According to the settlement requirements of business cards, China Industrial and Commercial Bank strongly recommends Peony Credit Card with credit consumption and revolving credit function, Peony Credit Card with cash and consumer credit and Peony Link Card with simple application procedures as the main peony card products of business cards. When using the above products, business card units will use the unique financial POS system provided by ICBC to make reimbursement, transfer and settlement with the help of ICBC's powerful network resources.

Can ICBC credit cards save money? Can ICBC credit cards save money? Now the introduction is over. I wonder if you have found the information you need?