Is ICBC credit card good?

Okay.

ICBC credit card has the following advantages: ICBC credit card is the most popular credit card in my country. It can enjoy an interest-free period of up to 56 days, and local withdrawals are free of cash and handling fees. In addition, ICBC has many business outlets, and you can make cash withdrawals at any bank in China. It also supports VISA, MasterCard and American Express Bank organizations, and also supports card swiping services at any store POS machine.

1. ICBC credit card withdrawals are equivalent to debit cards and savings cards, and no additional handling fees will be charged for cash withdrawals

2. ICBC credit cards have issuers across the country, and It is easy to apply and the card is issued quickly. You can apply online and you can open the card immediately after re-signing when you get the card. Normally it takes no more than 2 weeks from sending the email to getting the card.

3. All domestic transactions will be accounted for in real time, and points can be checked in real time, which is highly efficient.

4. If there is no overdraft in the account, cash withdrawals are interest-free. And you can withdraw it the same day you transfer it in, which is convenient and fast.

ICBC credit cards are the credit cards with the highest circulation in China. The main types of ICBC credit cards include: Peony International Credit Card, Peony Credit Card, and Peony Credit Card; according to the brand of ICBC credit cards, they are divided into: Peony Visa Card, Peony MasterCard and Peony Express Card; according to credit level, they are divided into: Platinum Card, Gold Card and Ordinary Card; according to the issuing objects, they are divided into business cards and personal cards, of which personal cards are divided into primary cards and supplementary cards.

The application conditions for ICBC credit cards are:

1. To apply for an ICBC credit card, you must be over 18 years old.

2. To apply for an ICBC credit card, you need to have a stable job and a legal source of income.

3. If the applicant has a high position, high education, high income, and a good company, the approval rate of applying for an ICBC credit card can be greatly improved.

4. Applying for an ICBC credit card also requires a certain financial foundation.

5. If you want to apply for a credit card with a higher ICBC credit card rating, the applicant needs to provide the bank with certain financial proof, such as stocks and securities, a real estate certificate with the applicant’s name on it, a car driving license, a bank card, etc. Certificate of deposit, etc.

6. To apply for an ICBC credit card, you must be a natural person with full capacity for civil conduct.

7. There is another necessary condition, the applicant needs to have a good personal credit report, because ICBC relatively values ??the cardholder’s personal credit report.

How about ICBC credit card?

ICBC is a state-owned enterprise. ICBC is a state-owned bank, which refers to a large bank directly managed by the Ministry of Finance. It is also one of the four major banks in the country and has a relatively strong customer base. Its main mode of operation is to unify the operation and management system of commercial banks authorized by legal persons. Its main goal is to achieve stable development and improve economic efficiency.

ICBC can provide 24-hour online telephone service. If you have any problems at any time, you can call the online customer service number to solve them. It also provides electronic and paper reconciliation services, which can bring great convenience to customers.

The benefits of ICBC credit card are:

1. Interest-free days. The maximum interest-free days of ICBC reaches 56 days, so you can provide more days for your repayment.

2. SMS reminder. When applying for a credit card at ICBC, if the customer service on your card is due, the system will send you a free text message to remind you to pay it back in time. This prevents you from being busy with work and forgetting to repay the loan, resulting in more overdue fees on your bill.

3. Automatic repayment is possible. ICBC has its own software, where you can set which card will be used for automatic repayment when your credit card expires. This way, you no longer need to go to the bank to deposit money and repay it, and you can directly bind it to the savings card.

4. Enjoy points. When credit card purchases are made, points will be saved for customer service, and the points can be used to buy things. So when you have enough points, you can use the points to collect items on the online software platform.

5. Provide 24-hour service hotline.

There is a 24-hour service hotline for all questions about ICBC. When you have questions about ICBC, you can make a manual service call.

Is the ICBC credit card easy to use?

ICBC credit card is very easy to use. If it is a regular card (regular card/gold card), you only need to make purchases 5 times a year and the annual fee will be waived.

But if you are using a card for the first time, you must first understand the credit card repayment matters. Otherwise, late payment fees may easily occur, which will not only make you spend more money but also affect your credit. (Shizuka said Card A)

As long as you take some time to understand it clearly, credit cards are definitely a good thing.

That’s it for the introduction of ICBC credit card.