Industrial Bank adopts the policy of automatic card replacement when the card expires. As long as the cardholder meets the requirements for automatic card replacement, the banking system will automatically generate a new card (the main card and the auxiliary card will generate new cards respectively) some time before the card expires, and send it to the cardholder by registered mail according to the mailing address of the main card registered in the bank. If the card renewal is unsuccessful, the cardholder can call the credit card customer service hotline for processing.
If the cardholder does not receive a new card from the bank before the validity period of the credit card expires, the cardholder can take the initiative to contact the bank to consult the process and method of changing the card.
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Industrial Bank's credit card expires with the following precautions:
1. Cardholders need to inform the bank in advance if they don't need to renew their cards. Otherwise, it is deemed that the cardholder (cardholder) voluntarily replaces the new card when it expires. If the cardholder or unit applies for account cancellation after the new card is made, it also needs to pay the corresponding fee.
2. There is no charge for the replacement of Industrial Bank's credit card due.
3. After the Industrial Credit Card expires, the new card will be the same as the old card number, and the points and deposits of the old card will also be transferred to the new card.
4. After the Industrial Bank credit card is changed, the new card needs to be activated before it can be used.
5. The validity period of the Industrial Bank credit card for the first time is generally 3 years, and the validity period of the credit card after card replacement is generally 5 years.
6. After the new card is activated, the magnetic stripe of the old card should be cut off to ensure information security.
Industrial Bank was established in 1988 and its head office is located in Fuzhou, Fujian Province. It is one of the first joint-stock banks in China and ranks among the top 300 banks in the world. Industrial Bank Credit Card Center was established in July 2004. It is a directly affiliated institution of the head office headquartered in Shanghai, and is fully responsible for the operation and management of the credit card business of Industrial Bank. [ 1]
Basic characteristics of editing and broadcasting
Optional credit card password
You can choose whether to spend by signing or adding password protection. Industrial credit card fully takes care of your convenience and security needs.
Zero loss reporting risk
If the card is lost, you can call the 24-hour customer service hotline 9556 1 or complete the loss reporting procedure through the interactive SMS service, and the loss reporting will take effect immediately, without worrying about all the risks afterwards.
A card and two coins.
Specially provide RMB and USD for distinguished cardholders, which can be used for signing accounts in more than 200 countries and regions around the world. Consumption abroad can be repaid in RMB, which is popular all over the world.
A variety of repayment methods
We provide you with up to seven repayment methods, such as cash repayment, ATM transfer repayment, automatic transfer repayment, online banking repayment and telephone banking repayment, so that you can easily repay anytime and anywhere, which is very worry-free.
Featured service editing and broadcasting
withhold and pay
In order to better serve customers and enrich the product functions of credit cards, Industrial Bank credit cards have promoted a number of withholding and remittance services in different cities across the country. Business types mainly include: China Unicom mobile phone fee withholding, telecom fee withholding, tap water fee withholding, electricity fee withholding, gas fee withholding, gas card withholding and so on. With the continuous development of new business, Industrial Bank will strive to develop diversified withholding services according to market conditions to meet the payment needs of different customers.
Business introduction:
Withholding business
Customers need to sign an entrusted withholding agreement with bank outlets or agencies. Bank outlets or agencies handle debit transactions for customers on a regular or real-time basis according to the entrusted withholding agreement, and banks deduct money from customers' credit cards according to the bill consumption amount. For the business bills that have signed the entrustment withholding agreement, customers do not need to pay at the designated outlets. The system will keep the withholding transaction records for customers to inquire.
Remittance business
Remittance business refers to the payment transaction conducted by cardholders at the outlets or channels of Industrial Bank. The system can deduct the business bill in real time and feed back the payment status to the cardholder in time.
Enterprise name:
Fujian electric power charge payment service
Fujian mobile phone bill withholding service
Fujian Expressway Toll Withholding Business
Credit card ATM payment service in Fuzhou area
Shanghai public utility payment service
Shenzhen "EPS" self-service payment service
Credit card payment service in Tianjin area
Urumqi telephone payment service
Xiamen public utility fee withholding service
Editing and playing of loss reporting method
In order to ensure the safety of your credit card, once your credit card is lost, stolen or occupied by others, please go through the following procedures for reporting the loss immediately.
Method 1: Write a short message "last four digits of 34+ card number (34 * * *)" on my mobile phone and send it to 9556 1. After receiving the reply message, confirm that the loss was reported successfully.
Method 2: Log in to Industrial Bank's credit card online bank to report the loss;
Method 3: Call the 24-hour customer service hotline 9556 1 and report the loss of the Industrial Bank credit card according to the voice prompt;
Method 4: Report the loss at the counters of various outlets of Industrial Bank.
Method 5: Log in to mobile banking (normal version or 3G version), enter a credit card → select "Report the loss of credit card" to report the loss.
Apply for inquiry, editing and playing
Method 1: Call customer service to check the application progress.
Call the customer service number of Industrial Bank (pay attention to the time of calling the customer service number of Industrial Bank, it is generally easier to get through in the morning and evening, otherwise it will be difficult to get through in many cases), press "1" according to the prompt to enter the credit card business inquiry, and then press "1" to inquire about the credit card application progress of Industrial Bank.
Method 2: Inquire about the application progress in official website of Industrial Bank.
Enter the credit card website of Industrial Bank first, and there is "progress inquiry" under the online through train column on the right. Click enter, enter the certificate type and certificate number for inquiry.
Method 3: Inquire through business outlets.
If you don't have a computer and don't want to inquire by phone, you can also inquire at the nearby business outlets of Industrial Bank.
Editing and playing repayment methods
First, automatic deduction repayment-once and for all repayment method.
If you have already applied for the wealth management card or current account of Industrial Bank, you can open the "automatic transfer repayment" service. On the due repayment date indicated in your credit card bill, we will automatically transfer the current deposit from your designated wealth management card or current account, and repay the credit card debt according to the full or minimum repayment amount you set, without you going to the outlet to repay in person.
You can open the autopay repayment service in the following ways:
1. Counter application: Bring my valid ID card, credit card and wealth management card directly to the counter of Industrial Bank to apply for opening.
2. Log in to online banking self-service: Log in to the online Industrial Credit Card page, click "Credit Card Login", click "Automatic Repayment" after successful login, and apply for opening according to the prompts.
3. Self-service opening of mobile banking: the mobile phone logs into the wireless industry, selects "Automatic Repayment Relationship Settings" of "Credit Card" and opens according to the prompts.
Tips:
1. Please note that the account name, certificate type and number of the repayment account must be exactly the same as your credit card. In order to ensure the normal repayment, please prepare enough demand deposits in the repayment account before the due repayment date. If the balance is insufficient, all the balance in the account will be transferred out for repayment. The insufficient part needs to be repaid by other means. Otherwise, the interest will be calculated normally according to the incomplete repayment.
2. If both RMB and USD need automatic repayment, they need to be opened separately.
3. You can set full repayment or minimum repayment according to the use demand, and the minimum repayment will normally calculate the cyclic interest.
Second, bank counter repayment-the safest repayment method
You can use a credit card to make cash repayment at the business outlets of Industrial Bank of China before the due repayment date; Please fill in the Industrial Bank credit card number accurately. Real-time arrival, no handling fee, no card repayment.
Third, ATM repayment-ATM self-service repayment method
1.ATM transfer repayment: You can transfer the money from the Industrial Bank debit card to your Industrial Bank credit card through the ATM of Industrial Bank to complete the repayment.
Self-service deposit repayment in 2.CDM/CDS: You can use the cash deposit function to complete the repayment directly on the CDM/CDS machine with credit card deposit function.
Please click to inquire about the details of the deposit and withdrawal machines of Industrial Bank.
3. Inter-bank ATM transfer repayment: you can also use the local bank card participating in the inter-bank ATM transfer business at the ATM of the Bank.
(ATM) Transfer payment to Industrial Bank credit card.
Tips: Please consult the debit card issuer and the local UnionPay customer service hotline at 955 16 for the application of ATM transfer function of other banks' cards and specific business regulations such as transfer limit and handling fee.
Fourth, online bank repayment-the most convenient repayment method
1. If online banking is enabled in your current account, you can log in to Industrial Bank online and transfer the funds in your current account to Industrial Bank's credit card account by means of transfer, so that you can easily repay without leaving home.
2. If the online banking function is not enabled in your current account, you can log in to Xingye Online and make repayment to Xingye Credit Card through the same name transfer function. As long as your industrial card or current account is consistent with the name and ID number of the credit card to be repaid, you can make repayment. You can also support the repayment of foreign exchange in dollars!
3. If you have successfully enabled the inter-bank transfer function of other banks' debit cards, you can also transfer the funds from other banks' debit card accounts to Industrial Bank credit cards through other banks' online banking to complete the repayment.
Tips:
1. For online banking of Industrial Bank, please bring your ID card and current account/wealth management card.
2. Different banks have different arrival times and charging standards. For details, please consult the bank where the debit card or passbook belongs. Use our debit card to repay the credit card in online banking, and there is no handling fee.
Five, telephone bank repayment-anytime, anywhere.
If you already have a current account with Industrial Bank and have started the telephone banking transfer business, you can easily complete the repayment anytime and anywhere by calling the 24-hour customer service hotline 9556 1.
Tips:
1. To handle the telephone banking transfer business of Industrial Bank, please bring your ID card and wealth management card.
2. Call 9556 1 and only charge basic local calls, and there is no handling fee for telephone banking transfer business.
Intransitive verb cash repayment at other banks-counter repayment method.
At present, Industrial Bank has opened the "Counter Connect" service in Shanghai, Shenzhen, Hangzhou, Ningbo, Shandong, Jiangsu, Henan, Guangzhou, Tianjin, Dalian and other places (known as "Yinjietong" service in Guangzhou). All you need to do is take the Industrial Bank credit card to the bank outlet that has opened the "Counter Connect" and repay it in cash. This service will be launched in other parts of China.
Tips: Some outlets of the above banks have not been opened for other reasons. Please pay attention to the sign of "counter connection" or "bank connection" at each outlet. Please consult the counter of the business handling bank for specific business opening and charging standards.
Seven, inter-bank transfer remittance repayment-the most traditional way of repayment.
You can go to other branches and remit the money to your Industrial Credit Card account by remittance. Please fill in the following information for remittance: payee's name (and indicate "credit card repayment" in the purpose column), payee's account number-credit card number 16, payee's bank-local branch of Industrial Bank (if there is no local branch of Industrial Bank, payee's bank should fill in: Shanghai Branch of Industrial Bank). 1-3 days.
Industrial Bank recommends paying in cash at any outlet marked "Repayment Pass" of China CITIC Bank, Minsheng Bank, Shenzhen Development Bank and Guangfa Bank, which is convenient and worry-free!
Tips:
1. To accept repayment by others and repayment without a card, be sure to fill in the accurate credit card number of Industrial Bank;
2. If you choose this repayment method, you need to pay a handling fee for inter-bank transfer in the same city or inter-bank remittance in different places. Generally, it will be received within 1-3 working days. Please consult the business acceptance bank for details.