Debit cards handled by users in ICBC are divided into one, two and three types of accounts, of which one type of account has the highest authority and basically no use restrictions; There will be restrictions on the amount of the second and third types of accounts. Among them, the three types of accounts do not have physical cards, and only one card number can be obtained after application.
Debit card second-class accounts are generally used for investment and wealth management, and third-class accounts are bound to mobile banking or third-party platforms. The daily usage limit of Class II cards is 1 10,000 yuan, and the annual limit is 200,000 yuan. The balance of three types of cards cannot exceed 1 0,000 yuan, with a daily limit of 5,000 yuan and an annual cumulative limit of 1 0,000 million yuan.
The ICBC credit card owned by users must be returned on time after use, and there can be no overdue situation, because there will be penalty interest after overdue, and the longer the time, the more penalty interest. And the bank will collect it after the deadline. If you can't return it on time, you can use installment repayment or minimum repayment amount.