Which is the best way to apply for an ICBC credit card?

The application conditions for an ICBC credit card are relatively strict, especially if the assets do not meet the standards, the card will be rejected easily. In fact, ICBC also has some easier-to-handle cards with looser conditions. Here are three types of cards for you to review.

1. ICBC Endeavor Lang Ping Credit Card: The credit card endorsed by Lang Ping has three levels: regular card, gold card, and simple platinum card. They are all free of annual fees within the validity period and can provide 3 days of repayment. Grace period, free foreign exchange fees, mobile phone insurance up to 1,990 yuan and other benefits. As the main card promoted by ICBC, this credit card has a good credit card acceptance rate.

2. Cosmic Constellation Credit Card: A card type with the theme of the twelve zodiac signs. It is an exclusive black card for young people with good looks. It has two levels: gold card and simple white, both of which are free within the validity period. With an annual fee, you can enjoy service benefits such as a 3-day grace period, 0 foreign exchange fees, 10 times points for purchases on your birthday, free account security insurance, and account security locks. As the main card recommended by ICBC, it is easier to pass the card.

3. ICBC UnionPay Zodiac Credit Card: With the theme of the 12 zodiac animals, the card face is designed with large seal oracle bone inscriptions, highlighting the charm of traditional culture. It has two levels: gold card and platinum card, both of which can provide conditional tax exemptions. fee. It can provide 3-day repayment grace period, travel inconvenience insurance, account security insurance and other service rights, as well as the opportunity to waive the first cloud quick payment of each month, 12306 ticket purchase up to 20 yuan and other discounts.

These three credit cards are all relatively easy to use with ICBC, but each credit card has several levels. It is best to choose a card based on the ICBC star level. For example, Samsung can choose regular cards, and Five-star cards can be used. Choose the gold card, and choose the platinum card for six stars.

Extended information:

How to apply for a credit card:

1. Go to a bank branch to apply, and bank staff will help you complete the application;

2. To apply for a credit card on the bank's official website, just search your favorite bank on your computer, such as "ICBC". After entering, you can see the credit card column, and then follow the prompts to apply for a credit card;

Note that to apply for a credit card, you must be over 18 years old, have a stable source of payment, and have good credit. These are the conditions that must be met to apply for a credit card. If you do not meet the requirements, the bank will refuse you to apply for a credit card.

Different credit cards have different specific conditions, most of which require the following conditions:

1. There are certain age requirements for applying for a credit card: you must have full civil capacity, that is, 18 years old and above;

2. Have legal and stable income and good credit;

3. Provide corresponding identity documents: copy of ID card or military officer's ID card;

4. Employment certification documents. Some banks also require proof of income and financial resources. Proof of financial resources can include a copy of the real estate certificate, a copy of the motor vehicle driving license, a bankbook, etc. Anyway, the proof of financial resources depends on the individual's repayment ability, which makes it easier to apply for;

5. Documents proving the place of residence, It can be a copy of the household registration book, or certification materials issued by the street, or other certification materials. This is relatively easy to do;

6. There is also an application form to apply for a credit card.

The repayment methods are as follows:

1. Within the card issuing bank

The repayment methods include: card issuing bank counter, ATM, online banking, automatic transfer, telephone Bank repayment, etc. After repayment, the credit card limit will be restored immediately, and the payment will generally be credited to the account after the system processes it on the same day.

2. Weiyintong pos mobile phone

Weiyintong pos mobile phone is a mobile financial system personal payment terminal, which can be used to directly repay by swiping the card, and can also perform transfers and other services . Instant payment.

3. Transfer/remittance repayment

It is mainly divided into two methods: inter-bank in the same city and inter-bank in different places. Regardless of the method of transfer or remittance, the remittance bank charges a certain fee. At the same time, the time it takes for the money to arrive and the convenience of repayment are not as good as intra-peer repayment, online repayment, convenience store repayment and other methods.

4. Online repayment

The more common online platforms in China include: UnionPay Online, Kuaiqian, Shengfutong, Alipay, Tenpay, etc. Depending on the platform and bank you choose, the charging standards and specific payment arrival time will be different.

Which ICBC credit card is better

Many friends have asked which bank’s credit card is easier to apply for. I’m afraid I have to answer you, you have to choose from among the commercial banks, among the four major state-owned banks. The difficulty will be relatively greater. But if you insist on falling in love with the four major state-owned banks, it is recommended that you choose a credit card among them that is easier to apply for, so that the probability of applying for the card will be greater. Let’s take a look at the specific ones.

1. Industrial and Commercial Bank of China: Universe Constellation Credit Card

ICBC’s Universe Constellation Card is relatively easy to apply for, and it is also the main credit card recommended by Industrial and Commercial Bank of China. The appearance and benefits are both online. The key point is that the annual fee is waived during the validity period, which is awesome!

In terms of benefits, as long as new customers make a single purchase, they can receive a one-month VIP membership on Youku or iQiyi, giving them the benefits of being a drama-watching expert. In addition, there are discounts on overseas portable wifi, hotels, and airport parking.

2. Bank of China: Taobao Credit Card

The threshold of Bank of China is actually not too difficult, and the threshold is not very high. You can apply by providing proof of identity and residence. If you are an expert in online shopping, it is easy to apply for this BOC Taobao Card. The annual fee for the first year is waived when you purchase the card, and the annual fee for the following year is waived when you spend 5 times of any amount.

3. Agricultural Bank of China: Beautiful Upgrade Mom Credit Card

This Agricultural Bank of China’s Beautiful Upgrade Mom Credit Card is also easier to apply for. The gold card and platinum card can waive the annual fee by swiping the card. The visa platinum card is also free of annual fees during its validity period.

You can apply for a free trial course of Disney English. There is a 1,200 discount for purchasing the course, an instant discount of 60 for purchases over 350 at Kidswant, and random instant discounts for purchases over 300 at Donkey Mama on Saturdays.

4. China Construction Bank: The most popular card in the world

This card from China Construction Bank is also relatively easy to apply for, and is mainly more suitable for overseas travel, shopping, etc. Gold and Platinum cards are free of annual fees based on the number of card swipes. Visa and MasterCard cards are free of annual fees during their validity period.

Overseas wifi, special discounts on air tickets and hotels, cash rebates for overseas purchases, etc. are very suitable for overseas consumption or overseas shopping. It is called CCB’s “magic card”.

This is the introduction to the easy-to-apply credit cards from the four major banks. I hope it will be helpful to everyone. It is recommended that everyone prepare sufficient information before applying for a card, as well as proof of assets, etc. It can be of great help!

The most worthwhile credit card from ICBC

1. ICBC Struggle Card

It is a credit card specially designed for office workers. It is free of charge during the validity period of the card. There is an annual fee and support for time tolerance services. The color of the card is divided according to the level of the credit card. Blue is a regular card, red is a gold card, and black is a platinum card. It has various benefits such as 0 foreign exchange fees, account security insurance, and cash back for fashion brands overseas.

2. ICBC Car Plus Credit Card

It is the best choice for car owners. This card has a rigid annual fee that cannot be reduced. The regular card fee is 100 yuan/card/year. The gold card is 200 yuan/card/year, and the platinum card is 2,000 yuan/card/year. But the benefits are very practical, such as 6% refueling cash rebate at designated China Petroleum gas stations across the country every Sunday, 0 foreign exchange fees, card gifts for new users, and additional platform benefits, such as credit card discounts for car purchases, car washing, maintenance, and driving services. Promotions.

3. ICBC Tuniuniuren Credit Card

One of the must-have credit cards for travel enthusiasts. There are exclusive special offers from ICBC every year. Cardholders can enjoy discounts on annual fees and account security insurance. , 20% off on Tuniu products, free handling fees for multi-currency exchanges and other benefits; the Platinum Card also enjoys travel inconvenience insurance and aviation accident insurance.

4. Cosmic Constellation Credit Card

This card has a good appearance and is suitable for friends who control their appearance. Moreover, compared with other credit cards, the application threshold for this card is lower. , Friends with poor qualifications can also consider starting with a gold card. The benefits that cardholders can enjoy include annual fee reduction, ten times the points on birthdays, zero redemption fee, and a ten-yuan tolerance for three days. Among them, the Simple Platinum Card can also enjoy free valet parking at designated airports across the country and afternoon tea privileges in five-star hotels.

5. Shangri-La Co-branded Platinum Card

By applying for this credit card, you can enjoy Shangri-La Golden Circle gold membership, cash rebates for luxury stores, and food and accommodation in other high-end hotels. Discounts, etc., suitable for high-end consumers;

6. Jingdong Xiaobai Card

If you apply for this card, you can enjoy a minimum 50% discount on outgoing purchases, meals, etc., and you can also exchange foreign exchange for free etc., suitable for people who usually spend a lot of money outside;

7. Global Travel Card

As the name suggests, this card is suitable for people who like to travel, because after application, there will be two MasterCard and UnionPay cards The set of cards is convenient for use at home and abroad.

The above 7 credit cards are the most worthwhile ICBC credit cards. The rankings are in no particular order. Just choose what suits you. Users can choose according to their own needs!

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.

Which type of ICBC credit card is better

ICBC credit card mainly depends on your needs. It is better to choose a credit card that suits you.

1. According to the brand of ICBC credit cards, they are divided into: Peony Visa Card, Peony MasterCard and Peony Express Card;

2. According to the credit rating of ICBC credit cards, they are divided into: Platinum Cards, gold cards and ordinary cards;

3. According to the issuance objects of ICBC credit cards, they are divided into: business cards and personal cards, of which personal cards are divided into main cards and supplementary cards.

4. According to the currency of ICBC credit card account, it is divided into: RMB card, dual-currency card and multi-currency card.

Extended information:

1. ICBC is called the Bank of the Universe. ICBC has so many outlets that can be found all over the universe. This may be a bit exaggerated, but ICBC cards are like that. magic. Novices can choose ICBC to apply for their first credit card, because after applying for an ICBC credit card, it is much easier to apply for a card from another bank.

2. Several types of ICBC credit cards

1. ICBC Struggle Card

Suitable group: office workers

Comment: You Lang Ping Co-branded design, black, red and blue, it’s easy to buy the Puka Gold Card. Recently, ICBC’s cards are very good-looking.

Benefits: Annual fee reduction, time tolerance, 0 foreign exchange fees, account security insurance, cash rebates for overseas shopping of trendy brands, etc. The Simple Platinum Card enjoys free overseas WIFI, visa discounts, 1 yuan parking at the airport and other preferential rights.

2. ICBC Car Plus Credit Card

Suitable group: car owners

Comments: Rigid annual fee is 100 yuan for regular cards and 200 yuan for gold cards. , Platinum card is 2,000 yuan, and supplementary cards are halved. However, there are plenty of discounts when using the card, including cash rebates on gas, the benefits of the i(I) car card platform, etc.

Benefits: 6% cash rebate at designated PetroChina gas stations across the country every Sunday; i(I) car card platform benefits, such as car purchase discounts, car wash discounts, maintenance discounts, driving and roadside assistance rights, Exclusive discounts for Longteng Travel and more.

Time tolerance, UnionPay multi-currency, 0 foreign exchange fee, new account card gift, etc. The Platinum Card also enjoys free ICBC airport and high-speed rail VIP lounges, global car rental discounts, 4 million aviation accident insurance, and more.

3. Universe Financing Credit Card

Suitable people: college students

Comments: This card is only for those over 18 years old and full-time college students. , gold card level, you get two cards when you place a card. A co-branded card functions the same as a credit card, except that it cannot withdraw cash. Another consumption card can only be used for consumption and cash withdrawal at Fenqile.

Benefits: No annual fee, interest-free for up to 56 days, tolerance within 10 yuan for 3 days, and various installment discounts for card opening purchases, up to a thousand yuan.

4. Cosmic Constellation Credit Card

Suitable people: white-collar office workers

Overall review: The appearance of this card is really good, and the gold card is particularly special. easy. The unique birthday bonus of ten times points can be said to be a generous move by ICBC. It’s just a multi-currency card, and once you open the card, you have more than a dozen accounts.

Benefits: Annual fee reduction, ten times points on birthdays, 0 foreign exchange fees, 10 yuan tolerance for three days, etc.

5. ICBC "Minion" Credit Card

Suitable for: Minion fans

Comments: Every card in this series is cute Yes, it is very suitable for fans to collect, but it requires a card production fee of 50 yuan and is available in multiple currencies. However, the card benefits are also quite good, and ICBC has also started to become younger.

Benefits: annual fee reduction, time tolerance, 0 foreign exchange fees, account security insurance, etc.

6. ICBC Tuniuniuren Credit Card

Suitable for: travel friends

Comments: Cardholders who travel frequently can get one, and there are exclusive special offers from ICBC every year line.

Card benefits: annual fee reduction, account security insurance, and no follow-up fees for foreign exchange conversion in multiple currencies. 20% off on Tuniu products, matching Tuniu membership, exclusive special routes. The Platinum Card also enjoys travel inconvenience insurance, aviation accident insurance, etc.

7. ICBC Kids King Baby Credit Card

Suitable for: Parents of babies

Comments: ICBC has teamed up with Kids King to specially design a card for parents with children. Exclusive card to enjoy various discounts on Kids King maternal and infant products.

Privileges: 1,288 for 2,188 Kids King annual amusement passes, 400 for 500 amusement passes, 5% off on designated Kidswant products, 5% off on international Bluebaby maternal and infant products, etc. The Platinum Card also enjoys visa discounts, one-yuan airport parking, teeth cleaning discounts, etc.

Which ICBC credit card is easier to use? Which ICBC credit card is better?

Which ICBC credit card is easier to use? Which ICBC credit card is better? Nowadays, more and more people are using credit cards. Among many banks, ICBC is actually more ideal, but the credit conditions you need to have are better, especially the star rating of ICBC is very important. So, now ICBC Which credit card is the best to use? Follow me to learn about the types of ICBC credit cards.

Introduction to card types in ICBC credit cards:

1. ICBC Monetary Fund Credit Card (UnionPay)

Standard quasi-credit card financial functions; clever Financial management, smart investment; automatic redemption, smart repayment; deposits are interest-bearing, and income is tax-free.

2. ICBC Air China Zhiyin Peony Credit Card General Card (American Express)

Flexible currency selection, take you around the world; accumulate mileage, easy and affordable; global car rental , dominate the world; easily accumulate and redeem discounts; enjoy premium golf booking services.

3. Industrial and Commercial Bank of China China Southern Airlines Pearl Peony (Group Customer) Business Credit Card

Identification of distinguished customers of China Southern Airlines; safe and fast account balance change reminders; revolving credit, sufficient and free interest repayment period; one card with two currencies, universally accepted; comprehensive business travel insurance.

4. Industrial and Commercial Bank of China Anbang Credit Card (UnionPay regular card)

Real-time arrival of deposits, withdrawals, and consumption; real-time SMS balance change reminders; 24-hour online and telephone banking services; year-end Financial settlement billing services; paper or electronic reconciliation services.

5. ICBC Peony Netcom Credit Card (China UnionPay Bank Card).

You can agree on automatic repayment of the account; you can shop online at home and abroad; 24-hour online and telephone banking services; Self-service balance adjustment service; year-end financial settlement bill service; paper or electronic reconciliation service.

Which ICBC credit card is the most practical

1. The first is the World Struggle Credit Card. This credit card can reduce the annual fee within the validity period, and the repayment period is extended by 3 days.

2. The second is the ICBC WeHotel Credit Card. This credit card will give you 320 gift certificates when you sign up, including hotel coupons, travel coupons, etc.

3. Of course, the ICBC Credit Card is like the Universal Financing Credit Card. The Universe Constellation Credit Card and ICBC Tuniu Niu Ren Credit Card are also good, and you can choose according to your own needs.

4. ICBC credit card is the credit card 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 the credit level, they are divided into: Platinum Card, Gold cards and ordinary cards; divided into business cards and personal cards according to the issuance objects, of which personal cards are divided into main cards and supplementary cards.

That’s it for the introduction of which ICBC credit card to choose.