ICBC credit card allows over-spending, but the maximum over-spend is 10% of the original credit limit. For example, the cardholder's credit card limit is 10,000, then the maximum over-spend can be 1,000 yuan. And after excessive consumption, ICBC may charge over-limit fees. After overspending with an ICBC credit card, you need to make repayments to restore the credit card limit before you can continue to use the card.
Extended information:
Industrial and COMMERCIAL BANK OF CHINA (ICBC, ICBC) was established on January 1, 1984. The head office is located at No. 55 Fuxingmennei Street, Beijing. It is a large state-owned bank managed by the central government and a national deputy ministerial level unit.
The basic mission of ICBC is to raise social funds through domestic and foreign financing activities in accordance with national laws and regulations, strengthen credit fund management, support enterprise production and technological transformation, and serve my country's economic construction.
ICBC’s three-dimensional electronic banking service system consisting of self-service banking, telephone banking, mobile banking and online banking has become increasingly mature. The transaction volume of electronic banking business has grown rapidly, from 1.93 trillion yuan in 2000 to It was 38.4 trillion yuan in 2004, an increase of 20 times. In 2004, the revenue from electronic banking business was 235 million yuan, and the online payment transaction volume was 5.7 billion yuan. It is the largest e-commerce online payment service provider in China.
Through more than 21,000 domestic institutions, 100 overseas branches and thousands of agency banks around the world, ICBC uses leading information technology and electronic networks to serve more than 8 million corporate customers and 100 million Multiple individual customers are provided with a full range of financial services in domestic and foreign currencies, including wholesale, retail, electronic banking and international business.
ICBC (Asia) will continue to develop a wide range of banking and financial businesses, including various types of deposits and loans, trade financing, and remittances, leveraging ICBC’s vast branch network advantages, leadership position and rich experience. , clearing, industrial and commercial loans, syndicated loans, import and export bills, China business consulting and financing, securities business and gold trading brokerage services and insurance agents, etc.
ICBC is the largest credit card issuer in China and one of the issuers with the most complete range of credit card brands. New products such as Euro Credit Card, Peony Express Business Card, Peony UnionPay Card, Peony Sports Card, and the new version of Peony Transportation Card have been launched successively; the establishment of channels such as business outlet service system and VIP customer service center has been promoted; the Bank has actively selected overseas institutions to issue cards as agents, and further strengthened cooperation with Cooperation with international card organizations.