At present, the number of credit cards issued by the four major state-owned banks, Bank of China, Agricultural Bank of China, Industrial and Commercial Bank of China and China Construction Bank, has exceeded 1 million. Many cardholders have credit cards from these banks, and ICBC credit card is the bank with the largest number of cards issued, and credit cards are sought after by many cardholders. But have you seriously analyzed the advantages and disadvantages of ICBC credit cards? Let me analyze the advantages and disadvantages of ICBC credit cards for you!

ICBC credit card has the following advantages:

1. It is easy to get off the card. As long as there is no problem with the credit record and the credit report is not too messy, it is not difficult to place a few thousand cards after brushing the stars.

2. The installment rate is low. The annual installment rate for many years is less than 4%, except for a few banks that can be lower than this rate when doing activities. The installment rate of other banks is at least twice that of ICBC.

3. There is no handling fee for cash withdrawal. Cash withdrawal at local ICBC, whether it is overflow deposit or credit card limit, does not need to pay handling fee. Although I don't recommend you to withdraw cash, in special circumstances, ICBC credit card withdrawal can be exempted from handling fees.

But the shortcomings of ICBC are also obvious:

1. It is not easy to raise the amount. It is quite easy for the rich to raise the amount. It can be raised to 2,, 5, or 1 million in a short time, as long as there are assets. However, for most cardholders, there is almost no hope of raising the amount. Those skills of raising the amount by using the card are not applicable to ICBC, unless ICBC takes the initiative to raise the amount generally, the low amount can be raised by one liter, and it is difficult to break through 5, to 1,. This year, many card friends in some areas raised the amount through tax payment and provident fund, but now it has been closed, and some card friends' quotas have been reduced again. It is uncertain whether ICBC will open a similar channel for raising the amount in the future.

2. Less activities. ICBC basically has no activities, unlike other banks, which often have preferential activities such as shopping discounts and cash back, and there are fewer types of merchants who can get ICBC points compared with other banks. Only some merchants with past rates of .78 and 1.25 have points.

these are the advantages and disadvantages of ICBC credit cards that I analyzed.