1. What does ICBC Baby Growth Card mean? Can I apply for a loan?
The ICBC Baby Growth Card cannot apply for loans.
☆Baby Growth Card Introduction
The "Baby Growth Card" is specially designed by our bank for infants, teenagers, primary and secondary school students and other minor customers under the age of 16 and their parents. Theme cards. The card is issued on a family-by-family basis in the form of "Baby Card, Father's Love Card, Mother's Love Card".
☆ Product connotation: Promote scientific education and cultivate financial awareness. Using the "Baby Growth Card" as a carrier, parents can inspire their children's financial awareness through parent-child activities, teach them how to use bank cards and financial services, and help them establish a correct outlook on wealth, values ??and society. Promote scientific financial management and cultivate a sense of responsibility. Both parents must jointly accumulate growth funds for their children and reasonably plan financial expenditures such as education, which embodies the parents' selfless dedication to their children and their responsibility to the family. Promote love education and cultivate a sense of gratitude. When a child becomes an adult, becomes a talented person, and starts a family, this "baby growth card" that records the child's growth trajectory will become the best gift for parents to give to their children. Whenever a child sees and uses this card, it will remind him to always be grateful to his parents and society, encourage him to repay his parents, serve the motherland, and enhance his sense of responsibility.
☆ Product functions: One card can do many things. With the card, you can handle personal financial services such as savings and financial management, transfers and remittances, card consumption, and self-service. The card bears the UnionPay logo at ICBC branches, ATMs, POS, self-service terminals, online banking, telephone banking, mobile banking, and at home and abroad. Used at ATMs and POS. Growth Fund. The father's love card and mother's love card automatically deposit funds into the baby's card on a regular basis, and parents can accumulate growth funds for their children together. Parents can also teach their children to deposit pocket money, new year's money, scholarships, etc. into the card to cultivate their children's saving habits. Growth guaranteed. We provide an exclusive children's education insurance product - "Taiping Happy Baby Comprehensive Financial Plan", which allows you to enjoy services such as pediatrician appointments, weekly health text messages, and domestic and international emergency assistance (subject to the insurance product description). Growth commemoration★. Make an appointment to customize personalized card faces, exclusive precious metal products, growth greeting cards, flash memory cards, electronic photo frames and other ancillary products and services to record every bit of your child's growth, which will become an extremely precious souvenir and beautiful memory for your parents. The love will accompany the child throughout his life. Gratitude in return★. After the children work, they can automatically deposit funds into the father's love card and mother's love card through the baby card on a regular basis, so that the parents can live a worry-free life and enjoy their old age in peace, reflecting the children's gratitude and sense of responsibility to their parents. Study assistant. When children are studying in other places, we provide a package of services such as transfers and remittances, tuition payment, foreign exchange purchases for studying abroad, remittances, account opening witnesses, overseas consumption tax refunds, etc., becoming a good assistant and partner for children in their study and life, and helping them realize their desire to study.
Note: The launch time of products and services marked with ★ shall be subject to the announcement of our bank.
☆Responsibility Statement
The contents of this page are for reference only. Specific business handling standards shall be subject to the regulations of the local branch of Industrial and Commercial Bank of China. To save your time, please consult your local Industrial and Commercial Bank of China in detail before completing relevant procedures.
2. What is the ICBC loan card?
Credit card or
Generally, we divide bank cards into three categories, namely: debit
1. Debit card, we transfer money Depositing in a bank is equivalent to lending us money, so the bank will pay us interest. With this type of card, you can only use as much as you save.
2. Credit card, the bank lends us money and does not charge interest within the credit limit and within the specified time. Generally, the longest loan can be 5656 days and a high amount will be charged
3. Quasi-credit card, the bank requires us to deposit and borrow part of our money. When you spend the money you have saved, you can use the bank loan to calculate interest when it is not enough, and it must be paid back in one go within a specified time (usually within 30 days).
That is to say, there is no interest-free period and no installment repayment is allowed!
3. What is the ICBC Yidai Card?
The overdraft limit is determined by the individual’s salary. I personally think it is still necessary to apply for it
But A single purchase must be more than 600 yuan
You are not allowed to deposit money into it, remember! Because you are not allowed to withdraw cash after depositing it, you cannot withdraw cash or transfer money at ATMs or counters, you can only spend money
The interest rate is the central bank’s benchmark interest rate, which is relatively cost-effective
The maximum overdraft is 24 months ,installment.
4. What is the ICBC loan card?
Credit card or quasi-credit card.
Generally, we divide bank cards into three categories: debit cards, credit cards, and quasi-credit cards.
1. Debit card, when we deposit money in the bank, it is equivalent to borrowing our money from the bank, so the bank will pay us interest. With this type of card, you can only use as much as you save.
2. Credit card, the bank lends money to us, and does not charge interest within the credit limit and within the specified time. The longest period of borrowing is generally 56 days. If you borrow money for more than 56 days, you will be charged. High interest rates. Of course, banks also allow you to repay in installments.
3. Quasi-credit card, the bank requires us to deposit a certain amount of money, pays us interest; and then lends us part of the money. When you are consuming, spend the money you have saved first, and when it is not enough, you can use the money borrowed from the bank. However, interest will be calculated on the money from the day it is spent, and it must be paid back in one go within a specified time (usually within 30 days). That is to say, there is no interest-free period and no installment repayment is allowed!