How to use ICBC's credit card? Can I repay it in installments?
ICBC credit card holders can use their credit cards to spend money online or offline.
you can also use a credit card for cash withdrawal.
Individual customers of Peony Credit Card handled by ICBC can make repayment in installments.
Extended information:
Fee for credit card installment repayment:
Generally, the fee for credit card installment payment for one year is lower than the annual cash withdrawal interest of 18%, which is higher than the bank's commercial loan interest of 5.31% for one year. It is worth mentioning that the loan interest rate of commercial banks has been lowered many times since last year, but the standard of credit card installment fee and cash withdrawal interest has rarely changed. Although the standards of credit card installment fees in different banks are different, the calculation methods are roughly the same.
suppose the installment amount is 12 yuan, divided into 12 installments, and 1 yuan will be repaid in each installment (month). The handling fee is .6%/ month, and the actual monthly deduction is 1+12×.6%=17.2 yuan. If other factors are not considered, the convertible nominal annual interest rate is 7.2%. However, the cardholder does not always owe the bank 1,2 yuan. In the last month, he actually owes the bank 1 yuan, but the bank still charges a handling fee of 1,2 yuan.
according to the calculation, the real annual interest rate that the cardholder has to pay is about 15.48%. According to the correct calculation formula, it should be 126% (1+6%) 12/((1+b) 12-1) = 13.94 yuan, with an extra 3.2% handling fee for each period.
Baidu Encyclopedia-Credit Card Installment Payment
How to use industrial and commercial credit cards
The usage of ICBC credit cards is as follows:
1. Log in to personal online banking and select "Credit Card Inquiry" in the "Credit Card" service to make credit card binding consumption;
2. Log in to ICBC Mobile Banking and click "Credit Card Inquiry" in the "Credit Card" service to inquire about credit card details;
3. Pay attention to ICBC WeChat WeChat official account "Customer Service of China Industrial and Commercial Bank", and you can click on "Smart Finance", "Credit Card", "Get Card Now" and "Application Progress Inquiry" to inquire.
4. Call the customer service hotline of ICBC, select manual service, and open the credit card and ID number.
how to activate the ICBC credit card processed online
The activation method of the ICBC credit card processed online:
1. The card collection method is self-picked, and the bank staff needs to activate the card simultaneously when collecting the card.
2. If you collect your card by mail, deliver it to your door, or entrust someone else to collect it, and the card is the first credit card of ICBC, you need to bring your card and valid ID to any branch of ICBC in the card issuing area to complete the card activation.
Start-up process:
1. Fill in the application form.
2. provide the materials needed to apply for personal or business cards and sign the corresponding contract with the card issuer.
3. activate the card after receiving the card and password.
Extended information
According to the relevant provisions of the Articles of Association of Peony Credit Card of Industrial and Commercial Bank of China:
Article 1 After receiving the Peony Credit Card, the cardholder shall promptly activate the card. For the card with signature column, he shall immediately sign the signature column on the back of the card and use this signature as required, otherwise he shall bear the consequences and losses arising therefrom.
According to the Articles of Association of Peony Credit Card of Industrial and Commercial Bank of China:
Article 8 Individuals and units applying for Peony Credit Card should fill in the application form correctly, completely and truthfully according to the requirements of the card issuer, and submit the relevant application materials required by the card issuer, and sign a contract with the card issuer.
article 9 peony credit cards can be used at card issuers, special merchants designated by corresponding bank card organizations, business outlets, ATMs and other acceptance points or other acceptance channels.
China Industrial and Commercial Bank of China China Website-How to Enable Credit Cards
China Industrial and Commercial Bank of China Website-Credit Card Service
China Industrial and Commercial Bank of China China Website-Peony Credit Card Charter of China Industrial and Commercial Bank of China
How to use ICBC's digital credit card?
① To apply for an ICBC digital card, you can go to ICBC branch with your ID card, or call ICBC customer service hotline 95588 to apply for an entity card. You can also APPly for a physical card on the mobile app, and the bank will reissue the physical credit card to the cardholder, unchanged.
② In addition, the ICBC digital card does not need a physical card, and can be used through ICBC's self-operated platforms (online banking, mobile banking, etc.) or bound to other third-party payment platforms (Alipay, WeChat, flash cloud payment, etc.).
③ ICBC digital cards generally refer to virtual cards (credit cards) issued by ICBC. After users apply for activation, they can be bound to mobile banking or third-party platforms for use. Other functions, such as bill installment, account security lock and rights inquiry, can be operated on ICBC E Life APP. At the same time, it also refers to the digital credit card, which is a virtual card with platinum card level. It is not supported to apply for a supplementary card or handle it in the form of an attached card.
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① The online settlement function of ICBC's online banking can make customers change the traditional settlement mode of manually filling out paper vouchers and sending them to the bank, and adopt online submission of safer and more efficient electronic payment instructions, which can complete most daily settlement work such as transfer in the same city and remittance in different places without leaving the office, making you more convenient and relaxed, and experiencing the new feeling of online office in the E era.
②. The mall has the following functions:
a: instruction inquiry;
b: The head office of a group enterprise can inquire each completed electronic payment instruction or each uploaded batch instruction file one by one, check the detailed information of the instruction, and determine the status of the instruction, so as to monitor and manage the whole process of filling, approving and voiding electronic payment instructions.
c: flow direction combination authorization;
d: online shopping;
e: customer service; Home page customization: customers can choose the home page displayed after logging in to ICBC corporate online banking, so as to adapt to their own usage habits, reduce the waiting time for logging in, and directly carry out business processing. Customer data management: customers can browse and modify their basic information online, such as contact number, fax, e-mail, company name, legal representative, etc. Online help: customers can get online operation guidance and help when they encounter difficulties in operation. Customer certificate maintenance: customers can modify the login password of customer certificate offline at any time;
f: financial information;
g: group financing mode;
h: service remote monitoring and authorization mode;
i: support BtoB and other business models.
operating environment: Huawei nova7Pro2...168 China Industrial and Commercial Bank of China 12.6.
ICBC credit card activation process
1 official website activation: log in to ICBC Credit Card Center, select "Online Activation" on the home page of the credit card, and then go through the credit card activation procedures according to the page display;
2. activation of outlets: you can go to the counter of ICBC outlets with your personal ID card and credit card to activate the credit card;
3. Telephone activation: Call ICBC's credit card customer service hotline 95588 or 4-669-5588 to activate the credit card, and follow the voice prompts to enter the credit card activation;
4 ICBC e-Life APP: Log in to ICBC e-Life APP and find "Card Activation" on the financial page to activate the credit card.
Extended information:
China Industrial and Commercial Bank of China (ICBC) was established on January 1, 1984.
The basic task of China Industrial and Commercial Bank is to raise social funds through financing activities at home and abroad, strengthen the management of credit funds, support enterprise production and technological transformation, and serve China's economic construction.
in February 217, BrandFinance released the list of the top 5 brands in the world in 217, and China Industrial and Commercial Bank ranked 1th.
on June 2th, 218, the analysis report of China 5 Most Valuable Brands was released, and China Industrial and Commercial Bank ranked 4th.
in July 218, the British "banker" magazine published the list of the top 1 global banks in 218, and China Industrial and Commercial Bank ranked first.
In p>218, Fortune Global 5 ranked 26th.
on December 18th, 218, the "Top 5 World Brands in 218" compiled by World Brand Lab was announced, and China Industrial and Commercial Bank ranked 43rd.
on June 26th, 219, eight banks, including China Industrial and Commercial Bank, launched the first batch of enterprise information networking verification system.
In July 219, it was selected as the Fortune 5 in 219, ranking 26th.
in December 219, China industrial and commercial bank was selected as one of the top 1 brands in the 219 China brand power ceremony.
On December 18th, 219, People's Daily published the China Brand Development Index 1 list, and China Industrial and Commercial Bank ranked 9th.
on January 4, 22, it won the evergreen award of 22 Caijing "Sustainable Development Benefit Award".
in March, 22, it was selected as the 6th among the top 5 global brands in 22.
in August p>22, the Fortune Global 5 list was released, and China Industrial and Commercial Bank ranked 24th.
on September 28th, 22, it was selected as the top 5 Chinese enterprises in 22, ranking fifth.
bank card business
ICBC is the largest credit card issuer in China and one of the most complete credit card issuers.
new products such as euro credit card, peony express business card, peony unionpay card, peony sports card and new peony transportation card have been launched one after another; Promote the construction of service system of business outlets, VIP customer service centers and other channels; Actively choose overseas institutions to issue cards as agents, and further strengthen cooperation with international card organizations.
at the end of p>27, the number of credit cards issued was 23.38 million, and the consumption was 161.9 billion yuan, which continued to maintain the leading market position in both card issuance and consumption. The credit card overdraft balance was 8.241 billion yuan, an increase of 59.5%.
By the end of 29, the number of credit cards issued by ICBC exceeded 52 million, an increase of nearly 13 million a year, with an increase of 33%. It not only remained the first credit card issuing bank in China, but also surpassed the three world-class credit card giants of Discovery Card, American Express and First Capital in a year, achieving a perfect "triple jump" and becoming the fourth largest credit card issuing bank in the world after JPMorgan Chase, Bank of America and Citigroup.
how to activate ICBC credit card?
the customer service hotline is activated. Users can call ICBC customer service hotline 95588 and activate it according to voice prompts.
the due repayment date of ICBC credit card is the last date for ICBC credit card holders to repay the current bill. If the loan is repaid in full before this date, the user can avoid paying interest on the money owed to the bank for this transaction (except cash withdrawal).
ICBC's credit card repayment due date is generally 25 days after the bill date (whichever is shown in the bill). ICBC's credit card billing statement can be revised once a year. At present, the available billing statements include the original No.1 and 19 new billing statements, which are No.8-26 respectively.
Extended information:
Note:
Please keep the card properly, and don't put the card, ID and password together or disclose the card password to others. Avoid placing the card near the magnetic field, and avoid card breakage or scratch of the magnetic stripe. Please check whether the card is lost regularly, and don't lend it to others.
if the credit card is lost, please report the loss through ICBC e-Life, ICBC e-Finance (mobile banking), online banking, telephone banking or business outlets (electronic cash is not allowed to report the loss).
after trading by card, please carefully check the date, amount and other important information on the transaction voucher, sign it after confirmation (except visa-free transactions), and keep the transaction voucher.
China Industrial and Commercial Bank of China China Website-ICBC Credit Card Usage Guide
Baidu Encyclopedia-ICBC Credit Card
So much for the introduction of how to use ICBC credit card.