ICBC is a state-owned enterprise. China Industrial and Commercial Bank is a state-owned bank, which is a large bank directly managed by the Ministry of Finance. It is also one of the four largest banks in China, with a relatively strong customer base. Its main operation mode is to unify the management system of commercial banks authorized by legal persons, and its main goal is to achieve development and stability and improve economic benefits.
ICBC can provide 24-hour online telephone service. If you have any questions, you can call online customer service at any time to solve them. But also provides electronic and paper reconciliation services, which can bring great convenience to customers.
The advantages of ICBC credit card are:
1. Interest-free day. The longest interest-free days of ICBC reach 56 days, so you can provide more days for your repayment.
Second, SMS reminder. When handling credit card customer service in ICBC, if the arrears on your card are due, the system will send a free text message to remind everyone to repay in time. In order to avoid being too busy to pay back the money, there will be more overdue fines on the bill.
Third, it can be repaid automatically. ICBC has its own software, on which you can set which card to use to automatically return when the credit card expires, so that you don't have to go to the bank to deposit money and pay back the money, just bind it directly with the savings card.
Fourth, enjoy the points. When credit card consumption will save points for customer service, points can be used for consumption and shopping, so when everyone has enough points, they can collect items according to points on the network software platform.
Five, provide 24-hour service telephone. All questions about ICBC have a 24-hour service telephone number. When you have questions about ICBC, you can call the manual service number.
Is ICBC credit card easy to use?
ICBC credit card is quite easy to use. If it is an ordinary card (Puka/Gold Card), you can avoid the annual fee as long as you spend it five times a year.
However, if it is the first time to use the card, you must first understand the repayment situation of the credit card, otherwise it will easily lead to overdue repayment, which will not only cost you more money, but also affect your credit. (Shizuka said card A)
As long as you take the time to understand clearly, credit cards are definitely a good thing.
How about ICBC credit card?
All right.
ICBC Credit Card has the following advantages: ICBC Credit Card is the best credit card in China, which can enjoy a maximum interest-free period of 56 days, and local withdrawals are free of cash withdrawal fees and handling fees. Moreover, ICBC has many business outlets, which can withdraw cash from any bank in China, and supports organizations such as Visa International, MasterCard and American Express Bank, as well as POS card swiping services in any store.
1. ICBC's credit card withdrawal is equivalent to debit card and savings card, and no extra handling fee will be charged for the withdrawal amount.
2. ICBC credit cards have card issuers all over the country, which is convenient to apply and fast to issue cards. You can apply online and open the card immediately after you get it. It usually takes no more than 2 weeks from sending an email to receiving a greeting card.
3. All domestic transactions will be recorded in real time, and the points will be queried in real time, with high efficiency.
4. If the account is not overdrawn, the withdrawal is interest-free. And it can be taken out on the same day, which is convenient and fast.
ICBC credit card is the credit card with the highest circulation in China. The main types of ICBC credit cards are: 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.
ICBC credit card application conditions are:
1. You must meet the age requirement of 18 to apply for an ICBC credit card.
2. Applying for an ICBC credit card requires a stable job and a legitimate source of income.
3. If the applicant has a high position, high education, high income and good company, the pass rate of applying for ICBC credit card can be greatly improved.
4. Applying for an ICBC credit card also requires a certain economic foundation.
5. If you want to apply for a credit card with a higher credit card rating of ICBC, the applicant needs to provide certain financial certificates to the bank, such as stock securities, real estate license with the applicant's name on it, automobile driving license, bank deposit certificate, etc.
6. To apply for an ICBC credit card, you need to be a natural person with full civil capacity.
7. There is another necessary condition. Applicants need to have good personal credit information, because ICBC pays more attention to the personal credit information of cardholders.
How about ICBC credit card?
Advantages of ICBC:
1 Local cash withdrawal fee is unconditionally free (unique)
2 Cash withdrawal, cash installment and credit loan fees/interest are the lowest (at least one), which does not affect the cash withdrawal amount. In some areas, fees can be charged by stages, and no subsequent fees will be charged after prepayment, and there is no penalty interest. Cash installment can be cancelled on the same day.
2. The minimum repayment amount is not full penalty interest (only once)
3 The starting point of bill installment is low (the total amount of RMB bill exceeds that of 600 yuan), and the handling fee is low.
4 long interest-free period (up to 56 days)
Free SMS reminder (for financial customers, some areas provide 5-star service)
6 There are basically no sales calls, few risk control calls, and a large number of credit cards are brushed, and the risk control is almost the loosest.
Starting from the second card, cards of the same level can choose independent accounts or multiple cards can share accounts. The latter is similar to China Merchants Bank system, and accounts are shared. However, the annual fee waiver of each card in China Merchants Bank system must be counted separately. For example, 10 unionpay gold card must be swiped 6 times to avoid the annual fee, while ICBC can avoid the annual fee as long as 10 card is swiped 5 times. The same is true for platinum cards (only one, and so are other banks).
8. All the cards that have been downloaded are approved in batches of 100% seconds, 100% will not be checked for credit information, and 100% will not be published in newspapers. (only one)
9. The annual fee-free Platinum Card will be launched from time to time (during the promotion period of the Diner Platinum Card, the annual fee will be exempted during the validity period, and the next single-label Platinum Card will be unconditionally exempted. Many regions have applied for global annual fee-free platinum cards. In some regions, the annual fee of platinum cards can be exempted by purchasing financial applications, and all platinum cards can enjoy VIP services at airports and high-speed rail for unlimited times.
10 You can apply for manual cash withdrawal at least once a month from the card opening. After the recommended limit of the system is exceeded, the withdrawal range of low-value cards is often 5-10 times, and the withdrawal range of tens of thousands of cards is often 1W to several w.
1 1 Some types of cards are opened during the promotion period (about one year), and the annual fee is free for life.
12 instant repayment is convenient for foreign currency consumption. At this point, manual foreign exchange purchase repayment and foreign currency repayment are resumed.
There are three kinds, which are advantages for some people and disadvantages for others, depending on the demand.
1 Standard and universal multi-currency cards are free of all foreign currency conversion fees. 10 is recorded in local currency, and can be repaid directly in local currency (if it is a dual-currency card with US dollars, I obviously have pounds, so I have to convert them into US dollars when I swipe pounds, and then I have to buy US dollars to repay, which will lead to exchange rate losses twice, so multi-currency cards can be repaid directly in British pounds without any exchange rate losses).
The repayment order is interest first, then interest-free, that is to say, cash withdrawal first, then bill.
3 The withdrawal amount mainly depends on the stability of work income, assets (and liabilities), and the protection fee is not very important for cards with at least 10W. Except in a few areas, it is not difficult to withdraw money from 20W to 10W, and it is not difficult to withdraw money from 10W to 5W. Even if it is only a few hundred per month, most of them are paid online at 0.38.
This is the end of the introduction of industrial and commercial credit cards and credit cards worth doing. I wonder if you have found the information you need?