ICBC Star Card has a quota of only 5,000 yuan. Whether it is worth raising depends on the needs of users. The card has a variety of rights and interests, such as spending 10 times points on the birthday, giving away free account security insurance account security locks, binding WeChat, and enjoying points when paying in Jingdong. If users need to use these rights, they can cultivate cards. If the user just needs a large credit card (debit card) to spend money, then this card may not be suitable.
The card also has other advantages, such as reducing the annual fee within the validity period and having a three-day grace period for repayment.
Is ICBC Constellation Credit Card Dangerous?
ICBC Constellation Credit Card is no longer dangerous, safer and can be used normally.
How about ICBC's constellation credit card?
I think ICBC Constellation Credit Card is quite good. Friends who want to apply can apply at ICBC.
China Industrial and Commercial Bank Constellation Credit Card Financial Characteristic Rights and Interests
1. Annual fee reduction. Anyone who successfully applies for the Star Constellation Card, whether it is a simple platinum card, a gold card or an ordinary card, is exempt from the annual fee within the validity period.
2. Time, the repayment grace period is 3 days, that is, the three-day repayment grace period service is provided for the constellation card holders. If the cardholder repays within 3 days, it is deemed that the cardholder repays on time.
3. Tolerance: the difference of the minimum repayment grace is 10 yuan. When the minimum outstanding amount of the last bill is less than or equal to 10 yuan during the grace period of repayment due (the grace period of repayment due), it can be regarded as the minimum repayment amount paid by the constellation card holder.
4. There is no foreign exchange fee for multi-currency, and 0 foreign exchange fee for overseas consumption at will. The currency of this card is US dollar, Euro, HKD, British pound, Japanese yen, Singapore dollar, Canadian dollar, Australian dollar, Swiss franc and New Zealand dollar 10.
When the 10 VISA card of the corresponding country or region is used on the network, it is directly recorded in the corresponding currency, without currency conversion, and the cardholder does not have to pay foreign exchange handling fees. When used in countries or regions other than 10, the foreign exchange handling fee is automatically exempted.
5. Account security insurance, the latest online credit card account security insurance launched by the Bank. As long as you activate the card and successfully spend 1, you can get a gift. The insurance coverage of simple platinum card, gold card and ordinary card is 50,000 yuan, 20,000 yuan and 5,000 yuan respectively.
During the insurance period, you can apply for insurance compensation indefinitely, but the accumulated compensation amount does not exceed the insured amount.
During the insurance period, if your Star Card or all other ICBC credit cards under your name are lost, stolen or stolen, or you give ICBC credit cards to others for use, or disclose your bank and password to others.
As a result, your ICBC credit card was stolen or transferred by others through bank counters, ATM machines, POS machines and Internet transactions, and you suffered economic losses. The insurance company will provide you with insurance compensation for the transaction 72 hours before reporting the loss.
ICBC Cosmos Constellation credit cards are divided into three grades: simple platinum, gold and ordinary (only the first batch of gold cards are issued at present).
The design of the card surface is the same, which is distinguished by the color of the base on the card side. Black is simple platinum, red is gold card and blue is ordinary card. Among them, Simple Platinum Card enjoys the rights and interests of VISA Platinum Card and UnionPay Platinum Card, and all the rights and interests of Platinum Card except airport VIP room, aviation accident insurance and travel inconvenience insurance.
The introduction of how to use the business constellation credit card and how to use the business constellation card ends here. I wonder if you have found the information you need?