How to repay with ICBC credit card

ICBC provides you with a variety of repayment methods. If you owe money in RMB, you can repay in any of the following ways according to your personal circumstances:

1. Repay after logging in to ICBC e-Life, ICBC e-Bank (mobile banking), and online banking. When operating through the credit card repayment function, the payment account must be: an electronic banking account registered at the counter (including cards and current multi-currency passbooks) and an online banking interconnected account.

2. Sign up for automatic repayment. Automatic repayment can be signed through ICBC e-Life, ICBC e-Bank (mobile banking), online banking, telephone banking and other channels.

3. Deposit or transfer repayment at self-service machines or business outlets.

4. Transfer money for repayment from other banks and third-party payment institutions. Different banks and third-party institutions may have different arrival times for repayment funds. Please inquire with the transfer bank and third-party payment institution for details.

(Answer time: April 21, 2022. In case of business changes, please refer to the actual situation.)

How to repay industrial and commercial credit cards

1. ICBC credit card repayment methods include the following:

Online bank transfer repayment. You only need to log in to the bank's website to deduct money from your savings account through online banking and transfer repayment. (Banks generally require the online banking functions of debit card (savings account) and credit card to be opened in advance, and the two cards must be linked before operation.)

Telephone banking transfer repayment. By calling the bank's 24-hour customer service hotline, you can transfer and repay from your debit card or savings account through telephone banking. (Please activate the phone banking function in advance and associate it with your credit card.)

Repay via automatic teller machine (ATM) transfer. You can transfer funds between credit cards of the same bank through bank branches or ATMs in 24-hour self-service banks. The maximum daily transfer limit is approximately 5,000 yuan. (Because according to the regulations of some banks, the money you transfer through ATMs does not arrive immediately, so it is recommended to make the repayment 2-3 days before the final payment date to avoid unnecessary overdraft interest and late payment fees. )

Cash repayment over the counter. Go to the counter of any bank branch to make RMB cash repayment. All funds are credited instantly.

1. What are the benefits of credit cards?

The following points are listed below: Credit cards do not require guarantees and mortgages, and you can consume first and repay later. Cardholders who use bank funds to swipe their cards for consumption can enjoy the interest-free period as long as they repay the amount in full before the due payment date. Credit cards have powerful installment functions. They can not only buy appliances and cars in installments. Credit cards can also apply for cash installments, that is, apply for a large sum of cash and repay it in installments. Credit card purchases can accumulate points according to rules, and cardholders can use the points to redeem various point gifts. Credit card discount merchants are located all over the country, and they often hold various discounts, draws and other promotional activities. International credit cards with the logos of VISA, MasterCard, JCB, American Express, etc. can be used for overseas purchases, and can also be used for convenient shopping on foreign websites.

2. What is the repayment mechanism for using the card?

Credit card repayment mechanism. Credit card repayment refers to the period from the statement date to the repayment date. If the credit card credit reaches the bill amount, the bank will consider you to have paid off all the bills. For example: Xiaoqiang’s bill date and repayment date are better on the 5th and the 20th. On the 5th, the bill came out and required a repayment of 8,000 yuan. On the 6th, Xiaoqiang had 4,000 yuan on him. He paid it back to the credit card first, so the remaining repayment on his bill was 4,000 yuan. On the 8th, he went shopping with his friends and spent 3,000 yuan on his credit card. At this time, the amount that Xiaoqiang needed to repay on the card on the 20th was still 4,000 yuan, not 7,000 yuan, because he had to repay the bill on the repayment day. Just for the previous bill, the record of his consumption on the 8th will not be available until the 5th of next month. There is no need to repay this month. He now only needs to repay before the 20th

How to repay the ICBC credit card

There are many ways to repay. 1. Online bank transfer repayment requires linking the account and deducting the money from the savings account through online banking. 2. Call the 24-hour customer service hotline to make repayment. 3. ATM machine transfer and repayment can automatically transfer funds between credit cards of the same bank through bank branches 24 hours a day. 4. For cash repayment at the bank counter, go to the business hall outlet counter to find professional staff for cash repayment.

In-bank repayment

This repayment method mainly includes: card issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. After repayment, the credit card limit will be restored immediately, and the payment will generally be credited to the account after the system processes it on the same day.

Mobile repayment

The mobile phone is a personal payment terminal of the mobile financial system, which can be used to directly repay the loan by swiping the card, and can also perform transfers and other services. Instant payment!

Convenience store repayment

Convenience store repayment is mainly completed through the "Lakala" smart payment terminal installed in the convenience store. It usually takes 2 to 3 working days to arrive in the account, and there is no handling fee for repayment using this method.

Online repayment

The more common online repayment methods in China include: Baidu Wallet, UnionPay Online, Kuaiqian, Shengfutong, Alipay, Yipay, etc. Depending on the platform and bank you choose, the charging standards and specific payment arrival time will be different.

Inter-bank transfer

Inter-bank transfer/remittance repayment is mainly divided into two methods: inter-bank in the same city and inter-bank in different places. Regardless of the method of transfer or remittance, the remittance bank will charge a certain fee. At the same time, the time it takes for the money to arrive and the convenience of repayment are not as good as intra-peer repayment, online repayment, convenience store repayment and other methods.

Counter Pass

Counter Pass refers to the bank cards issued by various networked financial institutions. RMB current deposits can be made through the counters of other bank branches registered in the UnionPay Exchange Center host system. Withdrawal transactions.

Lakala

Cardholders can complete credit card repayments, mobile phone recharges, online bill payments and other services through convenience stores, bank outlets or purchasing "Lakala" device terminals.

Xinfutong

The "Xinfutong" smart card swiping phone was independently developed by China UnionPay, certified by the Bank Card Testing Center, and provided with financial service support by China UnionPay's inter-bank information exchange network of innovative electronic products.

Repayment Tong

Use "Repayment Tong" to repay, and the fees are generally charged according to the fee standards for intra-city inter-bank transfers and long-distance inter-bank remittances stipulated by the local People's Bank of China.

Intelligent repayment

The new industry, its main function is to use the balance of about 5%-10% in the card to formulate a consumption and repayment plan and then use a licensed payment company Execute automatic recurring consumption repayment to achieve full repayment, and charge a certain handling fee. The basic functions include bill management, local payment, free card application, etc.

How to repay ICBC credit card?

ICBC credit card repayment date

1. Explanation of ICBC credit card repayment date

Repayment due date: refers to the credit card stipulated by the card issuer The last date by which cardholders should repay their full amount due or the minimum payment amount.

2. Calculation of repayment date for ICBC credit cards

The bill date for ICBC credit cards is uniformly the end of the month, which is the last day of the natural month. For example: the billing date in March is March 31st; the billing date in April is April 30th. The repayment due date for ICBC credit cards is the 25th day after the statement date, which is the 25th of the next month.

The interest-free repayment period starts from the statement date to the due repayment date. The longest interest-free period for ICBC credit cards is 56 days and the shortest is 26 days. You can enjoy the longest interest-free period by swiping your card on the 1st of each month. Interest-free period.

ICBC credit card repayment methods

1. ICBC credit card repayment methods - RMB repayment

1. Counter, ATM deposit or transfer Repayment

Warm reminder: Large deposits over the counter [50,000 yuan (inclusive) and above] must present the identity documents of the person and the agent.

2. Transfer money from other banks for repayment

When filling in the remittance receipt, fill in the "cardholder name" as the "full name of the beneficiary unit" and fill in the "credit card" as the "account number of the beneficiary unit". ", "Bank of Account" fill in "Peony Card Center of Industrial and Commercial Bank of China Co., Ltd.", and "Remarks/P.S." indicate credit card repayment. If the remittance bank requires the beneficiary bank number, the customer is asked to inform the remittance bank of our bank number "102100005001".

3. Automatic repayment

You can register, modify and cancel the automatic repayment business through our bank's card issuer, designated outlets, online banking or telephone banking. It expires every month Repayment Our bank will automatically deduct the money from the designated account for your repayment on the agreed date.

4. Repayment by telephone banking transfer

5. Repayment by online banking transfer

2. ICBC credit card repayment method - repayment

1. Deposit cash for repayment at ICBC branches

If you deposit cash other than the account currency, it will be converted into the account currency according to the quoted price on that day. .

2. Remittance from ICBC’s foreign exchange account

When filling in the remittance receipt, fill in your name in the “Full name of the beneficiary unit” and your name in the “Account number of the beneficiary unit”. "Bank of Account" fill in "Industrial and Commercial Bank of China Co., Ltd. Peony Card Center", and "Remarks" column indicates "Peony Dual Currency Credit Card Repayment". The account name of the remittance account and the account name of the receiving card must be consistent.

3. Remittance from foreign exchange accounts of other domestic banks

4. RMB foreign exchange purchase and repayment

Telephone banking foreign exchange purchase and repayment: You can call customer service Hotline (95588)/VIP hotline (4006695588), entrust our bank to purchase foreign exchange as your agent.

Over-the-counter foreign exchange purchase and repayment: You can go to the branch of our bank that provides foreign exchange trading business, and use local money-saving cards, credit cards, quasi-credit cards, dual-currency credit cards, RMB accounts, international Use debit card RMB accounts and other personal settlement accounts of our bank to handle foreign exchange purchase and repayment.

Online banking foreign exchange purchase and repayment: You can conduct RMB foreign exchange purchase and repayment business through our bank's online banking.

5. Automatic repayment

6. Overseas repayment.

How to repay with ICBC credit card

The repayment methods with ICBC credit card are:

1. Repayment at the outlet counter:

Hold Cardholders can bring their ID card and credit card to the counter of an ICBC outlet, submit a repayment application to the staff, and then follow the prompts to deposit money into the credit card.

2. ATM deposit and repayment:

Card holders can bring their credit card to the ATM teller machine, then follow the prompts to insert the credit card, find the deposit option, and follow the prompts to deposit money into the credit card. .

3. Card transfer and repayment:

Card holders can bind an ICBC credit card to an ICBC savings card through online banking, and then the payment will be automatically deducted upon maturity.

(1) According to different card issuers, they can be divided into bank cards and non-bank cards

(1) Bank cards. This is a credit card issued by a bank. Cardholders can shop at the card-issuing bank's special merchants, and can also withdraw cash at any time at any branch of the card-issuing bank or at places with ATMs.

(2) Non-bank card. Such cards can be specifically divided into retail credit cards and travel and entertainment cards. Retail credit cards are credit cards issued by commercial institutions, such as department stores, petroleum companies, etc., which are specially used for shopping in designated stores or refueling at gasoline stations, etc., and are settled regularly. Travel and entertainment cards are credit cards issued by the service industry, such as airlines, travel companies, etc., and are used for purchasing tickets, meals, accommodation, entertainment, etc.

(2) According to the different objects of card issuance, it can be divided into corporate cards and personal cards

(1) Corporate cards. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, national party and government agencies, military units, groups and other legal organizations.

(2) Personal card. Personal cards are issued to urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable sources of income. A personal card is applied for in the name of an individual and he/she bears all responsibilities for using the card.

(3) According to the credit status, status and other credit conditions of the cardholder, it can be divided into ordinary cards and gold cards.

(1) Ordinary cards. Ordinary cards are issued to cardholders with average financial strength, credibility and status, and their various requirements are not high.

(2)Gold card. A gold card is a high-end credit card that pays high membership fees and enjoys special benefits. Cards are issued to those with higher credit standing, stronger repayment ability and credit, or those with a certain social status. The authorization limit of the gold card starts from a higher level, and the additional service items and scope are much wider, so the requirements for relevant service fees and security deposits are also relatively high.

(4) According to different repayment methods, credit cards can be divided into credit cards and debit cards

(1) Credit cards. It is a card-issuing bank that provides bank credit. When making a payment, it is first used as an overdraft, and then repaid or paid in installments. Most of these cards are used internationally.

That is to say, the way that cardholders are allowed to pay off their credit card accounts without deposits is "spend first, deposit later". Most of the cards currently used internationally are of this type.

Credit card (2) Debit card. It is a credit card issued by a bank that allows you to deposit money first and spend later. When applying for a credit card, cardholders need to deposit a certain amount of money in the card-issuing bank for backup. Cardholders need to use the deposit balance as a basis when using the card. Overdrafts are generally not allowed.

(5) According to the different circulation scope of credit cards, they can be divided into international cards and regional cards

(1) International cards. An international card is a credit card that can be used outside the country of issue and is accepted worldwide. The five major overseas groups (MasterCard, Visa International, American Express, JCB and Diners Club) issued MasterCard, VISACard, American ExpressCard and JCB respectively. (JCBCard) and DinersClubCard are mostly international cards.

(2)Regional card. A regional card is a credit card that can only be used within the issuing country or within a certain region. Most of the various credit cards issued by commercial banks in my country are regional cards.

ICBC credit card repayment methods

ICBC credit card repayment methods, in order to facilitate cardholders to repay their credit cards more quickly and conveniently, the bank provides a variety of methods, such as online , ATM, telephone, mobile phone, online banking, etc. The specific ones are as follows.

1. Deposit cash at an ICBC branch.

2. Deposit cash or transfer money through self-service equipment. (RMB)

3. Registered customers of telephone banking and online banking can handle transfer and repayment through corresponding channels. (RMB/)

4. Transfer money to the credit card account through other banks.

5. Some units repay credit cards through financial POS through financial reimbursement.

6. Foreign exchange purchase and repayment.

7. Automatic transfer and repayment.

It is best to bind a savings card for automatic repayment. Automatic repayment means registering an ICBC account in advance as a transfer account. When the repayment is due, ICBC will automatically deduct the money from the account to return the specified amount. Peony credit card account debt processing business.

That’s it for the introduction on how to repay the ICBC credit card.