The benefits of ICBC Credit Card are as follows:
1. The interest-free period of 56 days is extremely long
2. A single consumption in 6 yuan can be divided into stages
3. The local bank is free of cash withdrawal fees
4. Credit card repayment is free of charge
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Advantages of credit card:
1. Cardholders can get goods and services without paying cash.
2. Banks can use this as a means to win deposits from merchants and customers with credit cards, and charge a certain percentage of commission according to the total amount of advance payment.
3. The credit card closely connects the issuing bank, the cardholder, the special merchants and the agency bank, forming a cyclical chain of creditor's rights and debts, and the establishment and development of this relationship depends on the credit provided by each other.
4. Cash is heavier and more complicated than credit cards in terms of area, weight and amount.
5. Cash is easy to be stolen and difficult to recover;
6. The defects of the check itself. First, the check book is not easy to carry. The weight of the check book is 14 times that of the credit card, but the volume is 11 times that of the credit card. Second, checks are difficult to use across regions, mainly to prevent the risk of empty checks. Check guarantee service can only partially prevent the risk of bad checks, and the guarantee fee is high, generally 1%-2.2%, and the drawer with high risk even needs to pay as high as 5% guarantee fee.
credit card application:
1. In most cases, citizens who have full capacity for civil conduct (citizens aged 18 or above in Chinese mainland) and have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.
2. The object of applying for a credit card can be divided into units and individuals. The applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal personality within the territory of China.
each unit can get a main card and several (5-1) supplementary cards when applying for a credit card. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.
3. Generally, the application method is to fill in a credit card application form. The contents of the application form generally include the name, basic information, economic status or income source, guarantor and its basic information of the applicant. And submit certain copies of certificates and certificates to the issuing bank. After the customer fills in the application form truthfully, he should submit the completed application form and relevant credit certificate.
the application forms are accompanied by a credit card use contract, and the applicant authorizes the issuing bank or relevant departments to investigate its relevant information, and submit a statement on the authenticity of the information, the issuing bank's privacy protection policy, etc., with the applicant's autograph.