Differences between two ICBC credit cards

The logos of two ICBC credit cards are different, one of which is UnionPay card and the other is MasterCard or visa card. Cards with UnionPay logo are suitable for domestic consumption, while MasterCard or visa cards are more convenient to use abroad. Now, many types of ICBC credit cards are two when they are issued.

ICBC credit card is entitled to two credit cards, and the total amount is subject to the highest of the two cards. No matter which card is used for consumption, it will occupy the total amount. You can activate it selectively when you receive two cards. If you only swipe your card in China, it is best to activate only UnionPay cards.

two ICBC credit cards are activated separately, and activation of one card and the other card will not be automatically activated. There is no annual fee for inactive credit cards. If users often move at home and abroad, then both cards can be activated. At this time, it is necessary to know how to collect or reduce their annual fees.

after ICBC's credit card is activated, don't brush up the credit line directly, but step by step, otherwise the bank will think that the cardholder is suspected of cashing out, which is very unfavorable for the subsequent increase of credit card limit. At the same time, the use of ICBC credit cards must be repaid on time, so as not to be overdue.

Today is the repayment date of my credit card. I went back to before liberation overnight.

What happened when ICBC gave me two cards?

is the main card and its subsidiary cards.

The Notice on Printing and Distributing the Measures for the Administration of Credit Card Business has corresponding provisions:

Article 33 Any unit that has opened a basic deposit account in financial institutions in the People's Republic of China and China may apply for a company card. A number of corporate cards can be applied for, and the cardholder qualification shall be designated and cancelled in writing by the legal representative of the applicant or his entrusted agent.

Every citizen with full capacity for civil conduct can apply for a personal card. The main cardholder of a personal card may apply for supplementary cards for his spouse and relatives over the age of 18, and the maximum number of supplementary cards shall not exceed two. The main cardholder has the right to request cancellation of his supplementary cards.

Extended information:

Relevant provisions of the Notice on Printing and Distributing the Measures for the Administration of Credit Card Business:

Article 18 In conducting intermediary business, banks should strengthen communication and consultation with their peers to prevent vicious competition and unfair competition in monopolizing the market. Commercial banks charge fees according to the unified national standards for intermediary services with unified national charging or pricing standards.

for the intermediary business for which the state has not formulated a unified charging or pricing standard, the People's Bank of China authorizes China Banking Association to determine the charging or pricing standard according to the principle of commerce and fairness, and commercial banks should charge according to the standard determined by China Banking Association.

Article 2 A bank should improve its internal management mechanism, strengthen its internal control, and ensure the effective management and standardized development of intermediary business. Commercial banks should formulate an internal authorization system for intermediary business and report it to the People's Bank of China for the record.

Baidu Encyclopedia-Notice on Printing and Distributing the Measures for the Administration of Credit Card Business

Why are there two cards for ICBC's credit card application

There are two ICBC credit cards, indicating that the user has applied for a set of cards. For example, ICBC's Struggle Credit Card adopts the "1+1" card handling method. After successful application, two credit cards will be issued, which are divided into UnionPay cards and MasterCard. This credit card cannot handle supplementary cards, but the two credit cards remain independent when used.

users can selectively activate two credit cards according to their own usage. For example, only UnionPay cards can be activated when using credit cards in China, and the other one can be selected not to be activated. When the credit card is not activated, it will not generate any fees. After the validity period, it will become invalid, and users can also choose to cancel it.

ICBC's Struggle Credit Card has three grades: general card, gold card and platinum card. This kind of card adopts the "1+1" card handling method, and each grade has two card organizations: UnionPay and MasterCard. ICBC's Struggle Credit Card can't handle supplementary cards, but you can get UnionPay and MasterCard when you apply.

if a user activates two credit cards, the credit lines of the two credit cards will be enjoyed by * * * at the time of use. Generally, the credit lines enjoyed by * * * will be calculated with the highest credit line. For example, if two credit cards have a limit of 5, yuan and the other 7, yuan, then the two credit cards can be swiped at most 7, yuan.

users must pay back on time after using credit cards at ordinary times, and there should be no overdue repayment. If an individual can't repay the debt on time, he can borrow it from his friends around him and return it to his friends when his personal funds are sufficient, but he can't always borrow money to repay the credit card debt.

I am in this situation

Why there are two ICBC credit cards

The reason why there are two ICBC credit cards may be that the applicant has applied for a set of ICBC cards.

At present, ICBC's Struggle Credit Card has three grades: general card, gold card and platinum card. This kind of card adopts the "1+1" card handling method, and each grade has two card organizations: UnionPay and MasterCard.

ICBC's Struggle Credit Card can't handle supplementary cards, but you can get UnionPay and MasterCard upon application.

at the same time, the two cards received by the cardholder can be used independently, and all functions are consistent, except that the credit card is entitled to * * *, and generally * * * enjoys the highest credit card.

Main features of credit card:

1. Credit card is one of the fastest-growing financial services, which can replace traditional cash circulation in a certain range;

2. Credit cards have both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also obtain certain loans from card issuers by using credit cards;

3. Credit card is a high-tech product integrating financial business and computer technology.

4. Credit cards can reduce the use of cash currency;

5. Credit card can provide settlement service, which is convenient for shopping and consumption and enhances the sense of security;

6. Credit cards can simplify the collection procedures and save social labor;

7. Credit cards can promote commodity sales and meet social needs.

Main types

According to different card issuers, it can be divided into bank cards and non-bank cards

Bank cards. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or withdraw cash at any time at all branches of the issuing bank or places with ATMs.

non-bank card. This kind of card can be divided into retail credit card and travel entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are dedicated to shopping in designated stores or filling gas stations, etc., and are settled regularly. Travel and entertainment cards are credit cards issued by service industries, such as airlines and travel companies, which are used for ticket purchase, dining, accommodation and entertainment.

according to different card issuers, it can be divided into corporate cards and personal cards

corporate cards. Corporate cards are issued to all kinds of industrial and commercial enterprises, scientific research and education institutions, state party and government organs, military units, organizations and other legal organizations.

personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. Personal cards are applied for in the name of individuals and bear all the responsibilities of using them.

According to the credit status of cardholders, it can be divided into ordinary cards and gold cards.

Ordinary cards. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and their requirements are not high.

gold card. Gold card is an advanced credit card that pays high membership fee and enjoys special treatment. Card issuers are those with high credit, strong repayment ability and credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are much wider, so the requirements for related service fees and guarantee money are also higher.

that's enough for the introduction of two ICBC credit cards.