Can I borrow money and transfer money with ICBC credit card?
Can I borrow money and transfer money with ICBC credit card.
ICBC credit cards can be used to borrow money and transfer funds in the following two ways. The first is overpayment transfer: Overpayment refers to the money deposited by the cardholder in the credit card, and the cardholder can transfer it to the ICBC savings card in his or her name. The second is overdraft transfer: equivalent to a cash advance, you can transfer part of the credit card balance to an ICBC savings card. From the date of transfer, ICBC will charge an interest of 0.05% of the transferred amount every day.
ICBC credit cards are the credit cards with the highest circulation in China. The main types of ICBC credit cards include: Peony International Credit Card, Peony Credit Card, and Peony Credit Card; according to the brand of ICBC credit cards, they are divided into: Peony Visa Card, Peony MasterCard and Peony Express Card; according to credit level, they are divided into: Platinum Card, Gold Card and Ordinary Card; according to the issuing objects, they are divided into business cards and personal cards, of which personal cards are divided into primary cards and supplementary cards.
Can I borrow money with a commercial credit card?
Yes.
1. Installment amount: The starting amount for cash installment is 600 yuan.
2. Number of installments: Cardholders can apply for cash installment business in 3, 6, 9, 12, 18, and 24 installments, and can repay in full or in part in advance, and cannot extend the period.
3. Application channels: Cardholders can apply through business outlets.
4. Card types that can handle cash installments
ICBC credit cards (including dual-currency credit cards, multi-currency credit cards, and RMB credit cards, excluding Yi Special products such as loan credit cards, business cards, and credit card products otherwise agreed upon) personal card master card.
Extended information:
When the cardholder applies for cash installment, it is deemed to apply for credit limit adjustment at the same time, and has the right to evaluate and use the credit limit based on the cardholder's credit status and credit limit. The situation determines whether to adjust the credit limit on your credit card. Regardless of whether the cardholder accepts our bank's adjustment to the credit limit of his or her account, the cardholder is responsible for repaying the outstanding debts.
Cash installment business charges cash installment handling fees from cardholders, which are collected according to the current installment business charging method.
If the cardholder cancels the entire credit card during the repayment period, the outstanding installment balance and remaining unapplied handling fees of the cash installment business that has been successfully processed must be paid off in one lump sum in advance.
Industrial and Commercial Bank of China-Credit Card Cash Installment
Can I get a loan with a new ICBC credit card (debit card)?
New ICBC credit cards (debit cards) can be used for loans. You can apply for a loan with an ICBC credit card (debit card). ICBC's e-Loan is a credit card (debit card) loan product that is unsecured, unsecured and purely credit-based. The maximum amount applied for is 200,000 yuan, and the maximum loan period is 2 years. Generally, as long as the user is over 18 years old, has a stable job and income, and has no bad credit record, he or she can apply for a loan on the ICBC mobile APP.
Warm reminder, loans made with credit cards (debit cards) can only be paid in installments, and the ICBC e-loan limit is exclusive to credit cards (debit cards).
Can I borrow money with an industrial and commercial credit card?
It is possible to apply for a loan with an industrial and commercial credit card. If a user directly applies for cash installment or cash withdrawal, it is equivalent to applying for a loan. Or use a credit card to apply for credit card-related loan products. The loan limit and credit card credit limit of this loan product are not exclusive and independent of each other, but the credit card cannot be applied for if it has a record of overdue repayment.
In addition, users with poor credit cannot apply for credit card loan products because banks are unwilling to lend money to users who are not willing to repay or have insufficient repayment ability.
How to borrow money with ICBC credit card (debit card)?
Credit cards (credit cards) have a certain credit limit. After successfully applying for an ICBC credit card (credit card), the cardholder can use the credit card (credit card) to make purchases or withdraw cash within the limit. , borrow money through the overdraft function of a credit card (debit card), and then pay off the balance before the repayment date.
There is a certain interest-free period for credit card (debit card) purchases. As long as the repayment is made before the repayment date, the bank will not charge interest. However, if you use a credit card (debit card), you will not be charged interest. ) Withdrawing cash requires a certain handling fee, and after withdrawing cash, interest will be charged at 0.5% of the withdrawal amount every day until it is paid off.
This ends the introduction on whether you can borrow money with an industrial and commercial credit card and whether you can borrow money with a newly-applied industrial and commercial credit card. Did you find the information you need?