Can the ICBC salary card be overdrafted? Although the salary card has the word "gold card" in its name, it is not a credit card, so it does not have the overdraft consumption function of a credit card, but it has all the functions of a smart card. And everyone knows that the credit card overdraft limit can be said to be lent to you by the bank, and you must repay it after using it, while the salary card limit is your own money, and your company transfers your salary to this card every month, so Although it can be used in various daily consumption scenarios (physical POS machines) like a credit card, there is no need to repay it.
Although you cannot overdraw for consumption, the benefits of the salary card are beyond your imagination. 1. 7 fees can be waived when applying for a salary card: 12 inter-regional deposits or remittance fees within the ICBC system can be waived each year, inter-bank transfers at the same counter are free, salary card annual fees are waived, salary card account management fees are waived, and new salary cards are issued. (Replacement or replacement) of the card is free, balance change reminders are free, and Shanku debit cards are issued free of charge. 2. When applying for a salary card, you can enjoy three priority comprehensive services: Salary card customers can have priority in applying for Yidai consumer loans and other loan services, as well as credit cards, electronic banking, precious metals and other products, and can also give priority to loading chip card industry applications. 3. When applying for a salary card, you can also enjoy two customized services: that is, the bank will regularly provide customized asset management plans to salary card customers, and customize exclusive financial management funds, such as ICBC Salary Yi No. 1, which can allow your current deposits to be paid regularly. Deposit interest rate. Summary: Although the ICBC Salary Card cannot be overdrafted, you can enjoy more value-for-money benefits than a credit card. However, the salary card can only be applied for by the company and cannot be applied for by yourself.