ICBC Peony Credit Card is also a kind of ICBC Credit Card:

ICBC Credit Card Related Matters:

Cardholders can spend first and then repay within the approved credit line (the current credit line is 5,000 yuan), and they do not need to deposit in advance to control funds more reasonably; In addition, you can enjoy and participate in various credit card and debit card preferential activities.

According to the customer's credit status, the bank will give the customer a credit limit of up to 50 thousand yuan. Customers can spend or withdraw cash within the credit line approved by the bank without going through other loan procedures. According to the usage,

Repayment for the establishment of credit files, as long as a good credit record is maintained, the credit line will be recycled, and the bank will increase the credit line according to the usage, so that it can have a higher credit line when purchasing bulk commodities and enjoy interest-free treatment, and then it can enjoy the convenience provided by the bank when lending to the bank.

For example, simplify the examination and approval procedures, shorten the examination and approval time, increase the loan amount, or offer preferential interest rates. On the contrary, if the credit record is bad, the bank will probably not lend you money.

If the cardholder uses the credit card correctly, the credit card limit can almost be regarded as the biggest interest-free loan in my life.

In addition, when a cardholder holds a credit card in consumption abroad, he can repay foreign exchange in RMB directly with the current statement, without going through complicated procedures for purchasing foreign exchange, and without the limit, thus avoiding the troubles of insufficient foreign exchange and complicated procedures for purchasing foreign exchange that plague many people.

Debit cards do not have these functions.

: security issues:

Due to the convenience and rapidity of using credit cards, coupled with the rapid development of science and technology, the security problems faced by credit cards are becoming more and more serious, and major international credit card groups and global card-issuing financial institutions are facing severe challenges.

The security problems of credit cards are mainly divided into the following five aspects:

Credit card: criminals or criminal groups use forged or invalid cards (expired/lost/invalid/damaged tapes, etc.). ) pretending to be a real card, directly deceiving merchants or card issuers.

Cardholder: improper card storage/handling (expired/tape-invalid credit cards are not destroyed, or they are not immediately invalid after being lost, etc. ), and personal identity information is inadvertently stolen or defrauded. In order to avoid such problems, citizens should not easily provide personal identification information, and it is best not to entrust others to handle credit cards.

Consumer merchants: the service personnel swindle the cardholder in the process of consumption, or steal his credit card information to other merchants for consumption. This situation can happen whether it is a physical business or a network virtual business.

Issuer: The computer system has been maliciously invaded, stealing the basic/transaction information of customers. There are also unscrupulous employees who steal from the house, or the evil inside the house.

Trading system and mechanism: as long as it is formulated or handled by human beings, human errors and omissions will inevitably occur; No matter how rigorous the trading mechanism is, with the world-class trading system from confirmation to settlement, it is still possible to be invaded, and the so-called "invasion" is actually divided into levels.

Credit card Baidu encyclopedia