How is Huawei Credit Card good?
Good. Huawei card has been online for some time, and I believe users who have applied for it will have their own user experience.
1. Advantages: In essence, the Huawei card credit card is a digital virtual card, which is more convenient to use. The card can be directly bound to the Huawei wallet without manually entering the mobile phone number, verification code, etc.
In terms of benefits, you can enjoy no annual fee for the first year, no annual fee for the following year with HuweiPay payment, cash rebates, VIP room benefits, flight delay insurance, fraud protection insurance, aviation accident insurance, 9 Discounts such as sharing redemption, watching movies for 9 yuan, wonderful 365, etc.
2. Disadvantages: There are restrictions on consumption rebates, and not every transaction is cashback. You need to choose Huawei Wallet for online payment; in terms of limit, some users reported that if you have applied for a credit card at CITIC Bank before, then apply for a Huawei card credit card. The amount has an impact.
If users want to apply for a Huawei card, they can directly enter the Huawei Wallet APP and click "Apply Now", or they can apply through the official channels of CITIC Bank and get a physical card at the same time
Three. Application conditions
Huawei Credit Card is open to Huawei users. Applicants must be aged 18-65, have full capacity for civil conduct, have good personal credit, have legal and stable economic income, and be able to repay the principal and interest of the loan. A natural person with abilities. In addition, Huawei credit card limits application cities, and applicants must live in a city that supports application.
Four. How to apply for Huawei digital credit card
It is very simple to apply for Huawei digital credit card virtual card. You can apply directly in Huawei Wallet, and then a virtual card will be generated. After activation, HuaweiPay will be opened simultaneously. No need Bind the card and you can make purchases through HuaweiPay. However, Huawei's digital credit card physical card has not yet opened the application channel. It will be launched on an invitation-only basis in June, but it requires a mobile phone with HuaweiPay function.
It should be noted that Huawei’s digital credit card has not yet been officially launched, and you need to wait for Huawei’s official release before you can apply. In addition, the Huawei digital credit card has benefits such as cash rebates on every purchase, annual fee exemption for the first year, Huawei app membership gift packs, and VIP room privileges at airports and high-speed rails, which are quite good.
What is the payment limit of ICBC HuaweiPay?
ICBC has different limits for debit cards and credit cards. The specific limits are as follows:
①SamsungPay debit card: the single and daily cumulative payment limit is 5,000 yuan; SamsungPay debit card The single and daily cumulative payment limit for card simulated magnetic stripe transactions is 2,000 yuan. Users can reduce the amount within this limit.
②SamsungPay credit card: The card limit is consistent with the bound credit card. The single payment limit is 20,000 yuan, and the daily cumulative payment limit is 50,000 yuan.
:
1. What are the working hours of ICBC?
①Business hours from Monday to Friday: 9 am to 17 pm. Rest time: 12 noon to 13:00 or 14:00 in the afternoon (no corporate business will be handled, personal business will be handled normally).
②Saturday and Sunday business hours: 9 am to 17:00 or 16:30. Rest time: no break at noon, no corporate business on weekends, personal business can be handled normally.
③Holiday business hours: ICBC will arrange holidays and working hours on its own during national statutory holidays.
2. What does ICBC Messenger extension mean?
ICBC Messenger extension deduction refers to the fee deducted for automatic renewal after the "SMS Reminder Service" expires, and extension means The service automatically renews the messenger service period on a monthly or yearly basis. After the extension deduction is successful, a text message will be sent to the customer's mobile phone.
3. ICBC interest rate
The demand deposit interest rate announced on the official website of ICBC is 0.3; the three-month deposit interest rate is 1.35, and the six-month deposit interest rate is 1.55. The one-year deposit interest rate is 1.75, the two-year deposit interest rate is 2.25, the three-year deposit interest rate is 2.75, and the five-year deposit interest rate is 2.75. Each province and city has the right to make adjustments on this basis. Generally, the actual listed interest rate of banks is slightly higher than the official website interest rate.
4. Why did ICBC deduct 20 yuan from the card issuance and replacement fee?
ICBC deducted 20 yuan from the card issuance and replacement fee. Normally, the user applies for card replacement at ICBC. A card replacement fee is charged during the business. In other words, if the user handles the card replacement business at ICBC, ICBC needs to make a new bank card for the user, which will incur the cost of card replacement. This The fee needs to be paid by the user. Under normal circumstances, the ICBC card replacement fee is deducted directly from the ICBC card account. Users can also choose to pay directly with cash when handling business at the counter.
What are the requirements for credit card application?
1. There are certain age requirements for applying for a credit card: you must have full civil capacity, that is, 18 years old and above;
2. Have legal and stable income and good credit;
3. Provide corresponding identity documents: copy of ID card or military officer's certificate;
4. Work certification documents. Some banks also require proof of income and financial resources. Proof of financial resources can include a copy of the real estate certificate, a copy of the motor vehicle driving license, a bankbook, etc. Anyway, the proof of financial resources depends on the individual's repayment ability, which is easier to handle;
5. The proof of residence can be a copy of the household registration book, or a certification document issued by the street, or other certification materials. This is easier to do;
6. There is also an application form for applying for a credit card.
Legal basis:
Notice of the People's Bank of China on matters related to credit card business: Bank card clearing agencies should work with card issuers and acquirers to strictly follow the relevant regulatory regulations on bank card business. Further improve the rules and technical standards for credit card transactions. Each card issuer and acquirer should truly reflect and accurately identify business types such as cash withdrawals, cash transfers, cash recharges, etc., completely transmit transaction information, and ensure the authenticity, completeness, traceability and consistency of transaction information in the payment process. , to facilitate card issuers to identify and judge risks and ensure the safety of credit card transactions.
Article 35 of the "Commercial Bank Law of the People's Republic of China": Commercial banks shall strictly examine the borrower's purpose of borrowing, repayment ability and repayment method when granting loans.
Commercial bank loans implement a separation of review and loan approval and a hierarchical review and approval system.
Article 36 of the "Commercial Bank Law of the People's Republic of China": For commercial bank loans, the borrower shall provide guarantee. Commercial banks should strictly examine the repayment ability of the guarantor, the ownership and value of the mortgage and pledge, and the feasibility of realizing the mortgage and pledge.
After review and evaluation by a commercial bank, it is confirmed that the borrower has good credit and is able to repay the loan, and no guarantee is required.
Article 37 of the "Law of the People's Republic of China on Commercial Banks": A commercial bank shall enter into a written contract with the borrower when granting loans. The contract should stipulate the type of loan, purpose of loan, amount, interest rate, repayment period, repayment method, liability for breach of contract and other matters that both parties deem necessary to agree upon.
That’s it for the introduction of ICBC Huawei Credit Card.