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 later 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been downloaded are approved in batches of 100% seconds, 100% will not be checked for credit information, and 100% will not be published in newspapers.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 convenient for instant repayment of consumption. At this time, you can manually purchase foreign exchange for repayment.

There are three kinds, which are advantages for some people and disadvantages for others, depending on the demand.

According to the standard of 1, all currency conversion fees for universal multi-currency cards are free. 10 currency is recorded in local currency and can be repaid directly (if it is a dual-currency card with US dollars, I obviously have pounds, so I have to convert pounds into US dollars when I swipe my card, and then buy US dollars to repay it, which will lead to two exchange rate losses, so multi-currency cards can be repaid directly in pounds without any exchange rate losses), and the repayment of foreign exchange purchases is not subject to real.

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.

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.

Advantages and disadvantages analysis of ICBC credit card!

ICBC credit card has always been a headache for many cardholders, and it has even been dubbed as "Aunt Card". But in fact, ICBC credit card has stood for so long, and its advantages are still obvious. Let me sort out the advantages and disadvantages of ICBC credit cards!

1. Advantages of ICBC Credit Card:

1, the first holder in the industry, the leading bank in China, with a high B! It is of great reference value for most joint-stock commercial banks to handle cards with cards. The most business outlets! There are more than 30,000 outlets nationwide, which is convenient for business.

2. Cash withdrawal without card is supported! With the advantage of many outlets, you won't be embarrassed without cash or cards! Of course, the cost of withdrawing cash by credit card is very high!

3, the installment fee is the lowest in the country! Half of the installment fees of other banks are even lower.

4. ICBC's credit card and ordinary card have no upper limit! Most gold cards and ordinary cards in other banks have an upper limit of 10W, while China Merchants Bank has an upper limit of 6W. ......

Second, the shortcomings of ICBC credit card:

1, the bid threshold is too high, the quota is too low, and there are even cards with a quota of 0;

2. Banks don't have 800 telephones, and 400 telephones are not open to individual users;

3. SMS service fee 2 yuan/month;

4. The points needed to exchange gifts are high, and there are few kinds of gifts.

The above is the analysis of the advantages and disadvantages of ICBC credit card that I introduced to you! I hope this article I compiled is useful to you. Want to know more about credit cards, I suggest you pay attention to Jintou Credit Card!

Disclaimer: The operation suggestions in this paper only represent the views of third parties and have nothing to do with this platform. Investment is risky, so be cautious when entering the market. Deal with it accordingly at your own risk.

Do you know the advantages and disadvantages of ICBC credit cards? I don't know. Come in and have a look!

At present, the four major state-owned banks, namely Bank of China, Agricultural Bank of China, Industrial and Commercial Bank of China and China Construction Bank, have issued more than 1 100 million credit cards. Many cardholders have credit cards from these banks. ICBC credit card is the bank with the largest number of cards issued, and credit cards are sought after by many cardholders. But have you carefully analyzed the advantages and disadvantages of ICBC credit cards? Let me analyze the advantages and disadvantages of ICBC credit cards for you!

ICBC Credit Card has the following advantages:

1, good card. As long as there is no problem with the credit record and the credit report is not too messy, it is not difficult to put a few thousand cards after swiping the star.

2. The installment rate is low. The annual installment interest rate for many years is less than 4%, except for a few banks that can be lower than this interest rate when doing activities. The installment interest rate of other banks is at least twice that of ICBC.

3. There is no handling fee for withdrawal. No handling fee is required for cash withdrawal at local ICBC, whether it is overflow deposit or credit card limit. Although I don't recommend you to withdraw cash, under special circumstances, ICBC's credit card withdrawal can be exempted from handling fees.

But the shortcomings of ICBC are also obvious:

1, it is not easy to raise the amount. For the rich, it is quite easy to raise the amount. You can raise 200,000, 500,000 and 654.38+00,000 in a short time, as long as you have assets. However, for most cardholders, there is almost no hope to increase the quota. Those skills of using credit card to raise the amount are not applicable in ICBC, unless ICBC takes the initiative to raise the amount, the low amount can be raised by one liter, and it is difficult to break through 565,438+10,000. This year, many card friends in many areas raised the amount through tax payment and provident fund, but now it has been closed, and some card friends' quotas have been reduced again. It is uncertain whether ICBC will open a similar financing channel in the future.

2. There are few activities. ICBC basically has no activities, unlike other banks, which often have preferential activities such as shopping discounts and cash back, and there are fewer types of merchants who can get ICBC points than other banks. Only some merchants with past rates of 0.78 and 1.25 have points.

The above is my analysis of the advantages and disadvantages of ICBC credit cards.

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's credit card is the credit card with the highest circulation in China. The main types of ICBC's 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.

So much for the introduction of ICBC credit cards.