According to different purposes, there are different grades, which are divided into gold cards and ordinary cards.

Mudan international credit card

Peony International Credit Card is an international credit card product launched by Industrial and Commercial Bank of China. International cards are commonly used at home and abroad, and are settled in RMB and a designated foreign currency. This card is universal.

Peony credit card

Peony Credit Card is a credit card issued by Industrial and Commercial Bank of China, which gives the cardholder a certain credit limit, within which the cardholder can spend first and then repay. It is settled in RMB and has the functions of transfer settlement, cash deposit and withdrawal, credit consumption and so on.

Peony credit card

Peony Credit Card is a credit card issued by Industrial and Commercial Bank of China, which is limited to RMB credit cards used in People's Republic of China (PRC). Settlement in RMB, with credit consumption, transfer settlement, cash deposit and withdrawal and other functions. Peony credit cards are divided into business cards and personal cards according to different card issuers; According to different credit ratings, it is divided into gold cards and ordinary cards.

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security issue

Credit card: criminals or criminal groups use forged or invalid cards (expired/lost/invalid/damaged tapes, etc.). ) pretending to be a real card, directly deceiving merchants or card issuers.

Cardholder: improper card storage/handling (expired/tape-invalid credit cards are not destroyed, or they are not immediately invalid after being lost, etc. ), and personal identity information is inadvertently stolen or defrauded. In order to avoid such problems, citizens should not easily provide personal identification information, and it is best not to entrust others to handle credit cards.

Consumer merchants: the service personnel swindle the cardholder in the process of consumption, or steal his credit card information to other merchants for consumption. This situation can happen whether it is a physical business or a network virtual business.

Baidu Encyclopedia-ICBC Credit Card

Baidu encyclopedia-credit card

What kinds of ICBC credit cards are there?

1. Divided into ordinary cards, gold cards and platinum cards according to grades; 2. Divided into RMB cards, single currency cards and multi-currency cards according to accounts; 3. According to the repayment responsibility, it is divided into corporate responsibility business card, corporate responsibility personal card and personal responsibility personal card; 4. According to the card issuing object, it is divided into company (business) card and personal card, in which personal card is divided into main card and subsidiary card attached to main card (subsidiary card); 5. According to the brand, it is divided into brand cards such as Peony UnionPay Card, Peony Visa Card, Peony MasterCard, Peony American Express Card and Peony JCB Card.

The credit card limit of ICBC is 3000- 10000 RMB, the gold card limit is 1000-50000 RMB, and the platinum card limit is more than 50000 RMB. The amount of the first card is affected by the user's credit status and assets, but the user insists on repayment on time and has the opportunity to raise the amount in about three months. You can avoid the annual fee if you use ICBC's ordinary card and gold card for 5 times, and there is no handling fee for ICBC's credit card to withdraw cash at the local ATM.

Cardholders can not only easily swipe their cards to complete consumption, but also get corresponding points according to accumulated consumption. When the score reaches a certain value, you can enjoy different kinds of value-added services and consumption incentives. ICBC credit cards can be repaid at any branch of ICBC and on the same day in this city.

How many kinds of ICBC cards are there?

ICBC credit cards mainly include: Peony International Credit Card, Peony Credit Card and Peony Credit Card; ICBC credit cards are divided into: Peony Visa Card, Peony MasterCard and Peony American Express Card by brand; According to the credit rating, it is divided into: platinum card, gold card and ordinary card; According to the issuing object, it is divided into business cards and personal cards, in which personal cards are divided into main cards and auxiliary cards.

1. Peony International Credit Card is a credit card product with international standards launched by China Industrial and Commercial Bank. International cards are commonly used at home and abroad, and are settled in RMB and a designated foreign currency. Peony International Card adopts the circulating credit transaction mode, and overdraws consumption within the credit limit. If you repay in full before the due date, you can enjoy the interest-free repayment discount. This card is universal.

2. Peony Credit Card is a credit card issued by Industrial and Commercial Bank of China, which gives the cardholder a certain credit limit, within which the cardholder can spend first and then repay. The credit card adopts the circulating credit transaction mode, and overdraws consumption within the credit limit. If you repay in full before the due date, you can enjoy the interest-free repayment discount.

Peony Credit Card can be used at UnionPay acceptance points in China, Hongkong, Macau, Thailand, South Korea, Singapore and other regions, and settled in RMB, with functions of transfer settlement, cash deposit and withdrawal, credit consumption and so on.

3. Peony Credit Card is a credit card issued by Industrial and Commercial Bank of China, which is limited to RMB credit cards used in People's Republic of China (PRC). Settlement in RMB, with credit consumption, transfer settlement, cash deposit and withdrawal and other functions. Peony credit cards are divided into business cards and personal cards according to different card issuers; According to different credit ratings, it is divided into gold cards and ordinary cards.

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Advantages of bank cards:

1: Fully realize paperless trading.

Most of the bills and documents used before were replaced by electronic checks, electronic bills of exchange and electronic receipts; The original paper money was replaced by electronic money, that is, electronic cash, electronic wallet and electronic credit card; The original paper document is sent by mail through the data communication network.

2. Convenient, fast, efficient and reliable service.

Through online banking, users can enjoy convenient, fast, efficient and reliable all-round services. You can use the online banking service whenever and wherever you need it.

3. Low operating cost.

Due to the adoption of virtual reality information processing technology in online banking, online banking can reduce the number of business points without reducing the original business volume.

4: Simple and easy to use.

Online e-mail communication is also very flexible and convenient, which is convenient for communication between customers and banks and within banks.

Baidu Encyclopedia-ICBC Credit Card

What types of credit cards does ICBC have?

According to different standards, ICBC's credit cards are divided into different categories, which can be roughly divided into: peony standard credit card, peony joint credit card and peony theme credit card. Other classifications are as follows:

1. ICBC credit cards are divided into: Peony Visa Card, Peony MasterCard and Peony American Express Card by brand;

2. According to the credit rating, it is divided into: platinum card, gold card and ordinary card;

3. According to the issuing object, it is divided into business cards and personal cards, in which personal cards are divided into main cards and auxiliary cards.

I. Peony Standard Credit Card

Peony RMB Credit Card is issued by Industrial and Commercial Bank of China, and adopts the internationally accepted circulating overdraft consumption mode. The card issuer gives the cardholder a credit line according to the credit status of the cardholder, and the cardholder will spend first and then repay within the credit line.

Second, Peony Joint Credit Card

Joint credit card is a derivative product of peony card issued by commercial banks in cooperation with various institutions, and the logo of joint unit is printed on the card surface. The essence of its operation mode is that banks introduce preferential value-added services from another industry through the resources of joint partners, so joint cards not only have the financial service function of general credit cards, but also can enjoy discounts or other special services from joint companies.

Third, peony theme credit card

There are many kinds of peony theme credit cards. For example, Peony Food Card is a theme credit card issued by China Industrial and Commercial Bank, with the connotation of "love food and love life". Cardholders can not only enjoy the basic financial functions and services of ICBC Peony Credit Card, but also experience the preferential treatment of ICBC catering merchants all over the country, and enjoy the warm service provided by ICBC while enjoying the delicious food.

Extended data:

ICBC credit card is the credit card with the highest circulation in China. At present, ICBC credit cards mainly include Peony International Credit Card, Peony Credit Card and Peony Credit Card.

ICBC credit cards are divided into: Peony Visa Card, Peony MasterCard and Peony American Express Card by brand; According to the credit rating, it is divided into: platinum card, gold card and ordinary card; According to the issuing object, it is divided into business cards and personal cards, in which personal cards are divided into main cards and auxiliary cards.

References:

ICBC Credit Card-Baidu Encyclopedia

So much for the general introduction of ICBC credit cards.