Which ICBC credit card is the most practical? Choose according to the actual situation

In daily life, many people will apply for ICBC credit cards. So which ICBC credit card is the most practical? In fact, ICBC credit cards are generally divided into standard platinum card, gold card and regular card. Different types are introduced according to the level of the card. When choosing, users can choose according to their actual situation to maximize the benefits of the credit card.

If users travel a lot on business or travel on a daily basis, they can choose ICBC’s business travel service series credit cards, such as ICBC Global Travel Card, China Southern Airlines Sky Pearl Peony Credit Card, ICBC China Eastern Airlines Co-branded Card, and ICBC Ctrip Credit Card , ICBC WeHotel Credit Card, ICBC Global Travel Plus Credit Card, etc. These credit cards bring convenience to travel.

The credit cards launched by ICBC in the leisure and entertainment series include ICBC Chimelong co-branded credit card, World iQiyi Credit Card, and World Himalaya Credit Card; the credit cards launched in the department store retail series include ICBC China Resources Co-branded Credit Card and ICBC Golden Eagle Credit Card. . Credit cards for car owners include ICBC ETC Credit Card, ICBC First Deposit Plus Credit Card, and ICBC Car Plus Credit Card.

Users can directly log in to the ICBC official website when applying for a credit card. In the credit card channel of the official website, they can view the specific rights and interests included in various credit cards and know the validity period of the rights and interests. Then the user can select an application. However, after the application submitted online is approved, the user needs to go to the bank counter for an interview. After passing the application, the bank will release the card.

It usually takes about 30 days to get the card when applying for a daily credit card. It may take longer in remote areas. It is worth noting that you must activate the newly applied credit card in time before you can use it. And you can choose different channels when activating, such as SMS, bank counter, mobile banking, etc.

After using a credit card for consumption, you must return it on time. There must be no overdue payment, because penalty interest will accrue after overdue payment. The longer the time, the greater the penalty interest. In fact, when the credit card cannot be returned on time, you can use installment repayment or Minimum repayment amount, so that the monthly repayment amount can be lowered and no overdue payment will occur.

Which ICBC credit card is the best to use? There is a lot of choice!

The number of people who want to apply for a credit card has increased dramatically. Among many banks, ICBC is actually more ideal, but you need to have better credit conditions, especially the star rating of ICBC is very important. Today I will introduce to you which ICBC credit card is easy to use, and I will introduce it with conscience.

ICBC credit card rankings, all the hot deals are here!

Lifestyle consumption: ICBC China Resources Co-branded Card

The cards are rich in levels, including regular cards, gold cards, and platinum cards, which can meet the card application needs of customers with different credit conditions.

Card holders enjoy dual benefits, one is ICBC credit card finance and discounts; the other is China Resources Pass premium/exclusive membership. 399 CR Touch points can be redeemed for cash coupons at China Resources Vanguard, Ole’s Supermarket, Pacific Coffee, MixC, Didi Private Car, KFC, McDonald’s, movies, etc.

Business travel: ICBC WeHotel Credit Card

There are two card levels: gold card and platinum card. Cardholders can enjoy booking discounts from major hotel brands under the WeHotel platform:

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Sign up to get a 320 yuan gift certificate; monthly rebate coupons up to 600 yuan; get free V3/V4 membership, enjoy 15/82% discount on room booking; get 9 nights of free accommodation, and can redeem five-star hotels, etc.

Car owners: ICBC Car Plus Credit Card

The Car Plus card is divided into three levels: platinum card, gold card and regular card. Car owners can enjoy the following discounts:

1) Cash rebates for refueling at 6 designated PetroChina gas stations across the country every Sunday;

2) Massive discounts of “iGo Weekend” as low as 50% off, and “iGo Global” rebates The current maximum is 21;

3) Apply for a card to win free car wash, 300 yuan/1000 yuan electronic refueling recharge code or 4999 yuan cash back.

Preferred for military personnel: ICBC Military Soul Credit Card

Gold card level, ICBC five-star or above customers can apply with confidence, and there are five card types to choose from, Army, Navy, There are cards of advanced weapons and equipment for the five major services of the Air Force, Rocket Force and Strategic Support Force, it depends on which one you prefer.

In terms of credit card rights, many privileges are provided for military personnel and their families, such as free upgrades, "Military Support" deposits, exclusive insurance for military personnel, "e-Lending" credit consumption loans for military personnel, and military protection. Cards and so on.

Which ICBC credit card is easier to apply for? These three are the first choices for getting started

For all card lovers, of course they all want to get their favorite credit card quickly, but the most annoying thing about applying for a credit card is being rejected, which affects both efficiency and mood. So there are so many types of credit cards from major banks, how should we choose? Which credit cards are easy to apply for?

1. CITIC Bank Taobao Card can greatly improve the efficiency and success rate of card approval by the card issuer when checking customers' credit by binding the customer's Taobao account. CITIC Bank's credit card approval speed has always had a good reputation among cardholders. According to tests, when applying for a credit card online from CITIC Bank, you will usually receive an SMS message from the bank within 24 hours. The efficiency is quite impressive! Apply for CITIC Taobao Card online now and get an instant discount of 30 yuan on your first quick payment. Don’t miss this offer!

2. GF True Love Card is the first credit card exclusively for women in China, with a transparent card design, advocating the female life philosophy of "independence, calmness, intelligence, and frankness", and has a three-fold points plan for merchants of your choice, Functional services such as optional insurance plans, as well as discounts from many merchants, provide women with more personalized choices and more considerate services. More importantly, applying for this card is simple and quick. As long as you provide proof of stable income and personal information, there is no obstacle to applying for this card.

3. Guangfa Car Owner Card is specially customized for private car owners. Provide a full range of discounts and services for car owners and their cars. Enjoy 100 kilometers of free roadside assistance nationwide, 5x points or 1 cashback discount for refueling with your card, optional high-value insurance protection, and many other features and discounts. Naturally, the application for the Guangfa Car Owner Card has reduced a lot of trouble for many car enthusiasts. When applying for the Guangfa Car Owner Card, users only need to provide the driving license of their car to greatly increase the success rate of applying for a credit card!

4. New users of China Merchants Bank’s QQ co-branded credit card will receive a free American Traveler fashion backpack of RMB 388 with a full credit card payment. New card customers only need to make three credit card purchases within two months, with each payment exceeding RMB 188. Receive a free American Traveler fashion backpack worth 388 yuan. The first cash withdrawal of each month is free of charge.

5. The best card to apply for is the China Merchants Young Card. This card is one of the most popular among young people. White-collar workers who have just graduated can apply, and college students over 18 years old with a formal internship contract can also apply. If the cash withdrawal limit of up to 100 credit limit is not enough, then the first cash withdrawal in every calendar month is free of charge!

6. Ping An Bank’s credit cards are very down-to-earth, such as car owners’ cards for car owners, standard cards for supermarket shopping, platinum cards for airport discounts, and green channels to go directly to movie theaters. Card promotions cover food, fitness, entertainment, shopping, etc. The most popular and easiest credit card to apply for.

What kind of credit card is most suitable for ICBC?

ICBC Peony Credit Card is a credit card issued by the Industrial and Commercial Bank of China. It is a RMB credit card that can only be used within the territory of the People's Republic of China and the People's Republic of China. Settled in RMB, it has functions such as credit consumption, transfer settlement, cash deposits and withdrawals, etc.

1. Installment business: Support interest-free installments (3, 6, and 12 installments) for specific merchants. After spending more than 600 yuan in RMB, 600 Hong Kong dollars, 100 US dollars, and 100 euros, you can apply for free installments (3, 6, 9, 12, 18, 24 installments) by phone. Each installment will have different procedures depending on the number of installments. fee.

2. Annual fee standard: domestic ordinary card annual fee is 50 yuan, gold card 100 yuan; international dual currency card ordinary card fee 100 yuan, gold card 200 yuan; business ordinary card 200 yuan, gold card 400 RMB 2,000 for Platinum Card; the annual fee for all supplementary cards is half of the annual fee for the main card. Annual fee-free policy: If you swipe the card 5 times with the Puka Gold Card, you will be exempted from the annual fee for the following year.

3. Interest-free repayment period: the longest is 56 days, and the billing date is the last day of each month

ICBC’s newly revised "ICBC Peony Credit Card" The Articles of Association clearly states: "Cardholders can repay according to the minimum repayment amount indicated on the statement. If the repayment is made in accordance with the minimum repayment amount, the card issuer will only charge the unpaid portion from the bank accounting date to the repayment date. Overdraft interest until the end of the day. ”

4. Flexible repayment methods

Business outlets - repayment can be made at any ICBC business outlet, and the repayment in this city will be credited on the same day.

Telephone banking - transfer funds from other personal accounts to the Peony Card account through the ICBC telephone banking system.

Extended information:

Instalment payment

Instalment payment with ICBC credit card means that when the cardholder uses the credit card to make large purchases, ICBC pays the merchant once It is a business that regularly pays the consumption funds of the goods (or services) purchased by the cardholder, and based on the cardholder's application, the consumption funds are deducted from the cardholder's credit card account in installments, and the cardholder repays according to the monthly account amount.