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 POS machines at any store for credit card consumption services.

1. ICBC credit card withdrawals are equivalent to debit cards and savings cards, and no additional handling fee will be charged for the amount of cash withdrawal

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.

Why does ICBC recommend applying for a 36-term credit card?

ICBC recommends applying for a 36-term credit card because the interest we need to pay for 36 periods is higher, and the bank’s income is higher. ICBC credit cards can choose to handle installment business of 3 months, 6 months, 9 months, 12 months, 18 months, and 24 months. In some areas, it can be divided into 36 installments or longer. Please refer to the actual application for details

What are the advantages of ICBC credit card? Please answer! !

The advantages and disadvantages of Bank of Communications credit card: Advantages: The threshold is very low; the initial limit is very high; there are many discounts; repayment is quite convenient. Disadvantages: The system can only actively raise the limit, but cannot apply for a raise, and manual intervention is not possible; cheating SMS reminder fees; cash withdrawal fees are very expensive; full penalty interest; strict risk control, violations can easily block the card and affect the credit report.

Advantages and Disadvantages of ICBC Credit Card: Advantages: The maximum credit limit of a personal card is 50,000 yuan; it can be used at overseas acceptance points with "VISA" and "MasterCard" logos; it is settled in RMB and a designated foreign currency, and it has overdraft consumption and transfer settlement , deposit and withdraw cash and other functions; you can use RMB to purchase foreign exchange for repayment; Disadvantages: It is not very convenient to use ICBC credit cards abroad. There is no handling fee through UnionPay channels at POS or ATMs, but it is not very popular compared to such merchants; use American Express or VISA There are handling fees for all channels, and the cost of use is relatively high;

Is the ICBC credit card good? What are the characteristics?

ICBC credit cards have always been very popular in forums and major forums. As the largest bank in the world, its credit card business has been booming in recent years. There are many branches, many points discounts, and high-quality services. So what are the advantages of ICBC credit cards that are worth applying for? Is ICBC credit card any good?

ICBC Credit Card Classification

Peony Card is divided into Peony Credit Card and Debit Card according to whether it has consumer credit function.

Peony Credit Card is divided into Peony Credit Card and Debit Card according to whether it enjoys interest-free repayment. It is divided into Peony credit card and Peony quasi-credit card;

It is divided into platinum card, gold card and ordinary card according to credit grade.

According to the account currency, it is divided into RMB card, dual-currency card and multi-currency card.

I conducted a poll online and 98% of users said that ICBC credit card is easy to apply for and has high praise.

So what are the specific advantages of ICBC credit cards?

1. For all ICBC credit cards, local bank cash withdrawals are free of charge

2. For all ICBC credit cards, ICBC counter deposits across the country are free of charge

3. If you have an ICBC international debit card, ICBC online banking across the country will give you free remittance fees

4. You can receive text message reminders for all purchases, free of charge

5. You can use the consumption password Choose from three methods: no password is required for all transactions; a password is required for all transactions; a password is required for transactions above the limit

6. All ICBC credit cards can be processed after registering for online banking and activating the "e-commerce" function. Online payment; if you use U-Shield, there is no limit to online payment

7. All ICBC credit cards are billed on a natural monthly basis, which is convenient for memory (for some cardholders, it may be an inconvenience to not be able to adjust the billing date) )

8. ICBC credit card (including RMB credit card and dual-currency credit card)

The interest-free period is up to 56 days

9. ICBC credit cards (including RMB credit cards and dual-currency credit cards) do not charge interest on the part that has been repaid when the repayment is not in full, which is unique among all bank credit cards

10. Rich card types and wide choices - quasi-credit card, RMB credit card, dual-currency credit card (USD, EUR, HKD); VISA, MASTER, AE, and UnionPay standard cards are available

11. There are many outlets and card acceptance is good. It is rare to hear that there are places where you can swipe cards that do not accept ICBC credit cards

12. Most cards have independent limits (the newly issued one is RMB 62,223) Most of the credit card limits are shared, such as the "Dream Realization" series of pig card credit cards and sports cards), and the RMB account and foreign currency of the dual-currency credit card are independent of each other (in some special cases, some people may prefer If you like the limit ***)

So how to improve the success rate of ICBC credit card application?

1. Prepare all the documents

Income certificate and work certificate are necessary materials. In addition, we also need to prepare deposit certificate, real estate certificate and vehicle operation certificate. If you are unable to provide high-quality proof of financial resources, you can also choose to submit academic certificates, professional title certificates, etc. as auxiliary materials. The most important thing is "more"!

2. Assistance from other banks

If the applicant has credit cards from other banks or deposits from other banks, it is best to submit them when applying for an ICBC credit card. Both platinum cards and large deposits can help applicants obtain higher success rates and credit limits.

3. Purchase financial management

In addition to various application materials, applicants can also consider purchasing deposits into ICBC financial products. Regardless of the limit, it can effectively improve the success rate of your credit card application.

What are the benefits of using an ICBC credit card?

1. When you first start working, the income of many people is not very high. Since your income is not high, it is difficult to apply for a credit card with a high limit from ICBC. At the same time, if you want to apply for a credit card you like, you may not be able to get approved. Even if you are approved, the limit will be very low, but it can be accumulated slowly.

2. Of course, many people apply for credit cards for the convenience of traveling, shopping, etc., so my personal suggestion is to apply for some city-based cards. For example, if you are in Shenzhen, you can apply for a credit card with Shenzhen Pass activated, which will make it convenient to take buses and subways.

3. Of course, if you want to go to Hong Kong, Macau, Taiwan, etc., or go abroad because of your work needs or personal reasons, I personally recommend that you apply for a dual-currency credit card, that is, US dollars and RMB of. After all, the US dollar is used in a wider range and is easier to settle. Of course, there are many on ICBC’s official website.

4. The feeling of swiping a credit card is really good, especially the credit card has the function of overdraft in advance. But when enjoying this convenience, you must not blindly swipe your credit card, and learn to cherish your credit. Once there is a stain on your credit, it will bring unnecessary trouble to your life, work, etc.

This is the end of the introduction on why industrial and commercial credit cards are recommended and why industrial and commercial credit cards show that they are pending activation. Have you found the information you need?