Is the ICBC credit card easy to use?

ICBC credit card is very easy to use. If it is a regular card (regular card/gold card), you only need to make purchases 5 times a year and the annual fee will be waived.

But if you are using a card for the first time, you must first understand the credit card repayment matters. Otherwise, late payment fees may easily occur, which will not only make you spend more money but also affect your credit. (Shizuka said Card A)

As long as you take some time to understand it clearly, credit cards are definitely a good thing.

Is ICBC credit card good?

Okay.

ICBC credit card has the following advantages: ICBC credit card is the most popular credit card in my country. It can enjoy an interest-free period of up to 56 days, and local withdrawals are free of cash and handling fees. In addition, ICBC has many business outlets, and you can make cash withdrawals at any bank in China. It also supports VISA, MasterCard and American Express Bank organizations, and also supports card swiping services at any store POS machine.

1. ICBC credit card withdrawals are equivalent to debit cards and savings cards, and no additional handling fees will be charged for cash withdrawals

2. ICBC credit cards have issuers across the country, and It is easy to apply and the card is issued quickly. You can apply online and you can open the card immediately after re-signing when you get the card. Normally it takes no more than 2 weeks from sending the email to getting the card.

3. All domestic transactions will be accounted for in real time, and points can be checked in real time, which is highly efficient.

4. If there is no overdraft in the account, cash withdrawals are interest-free. And you can withdraw it the same day you transfer it in, which is convenient and fast.

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.

The application conditions for ICBC credit cards are:

1. To apply for an ICBC credit card, you must be over 18 years old.

2. To apply for an ICBC credit card, you need to have a stable job and a legal source of income.

3. If the applicant has a high position, high education, high income, and a good company, the approval rate of applying for an ICBC credit card can be greatly improved.

4. Applying for an ICBC credit card also requires a certain financial foundation.

5. If you want to apply for a credit card with a higher ICBC credit card rating, the applicant needs to provide the bank with certain financial proof, such as stocks and securities, a real estate certificate with the applicant’s name on it, a car driving license, a bank card, etc. Certificate of deposit, etc.

6. To apply for an ICBC credit card, you must be a natural person with full capacity for civil conduct.

7. There is another necessary condition, the applicant needs to have a good personal credit report, because ICBC relatively values ??the cardholder’s personal credit report.

How about ICBC credit card?

ICBC is a state-owned enterprise. ICBC is a state-owned bank, which refers to a large bank directly managed by the Ministry of Finance. It is also one of the four major banks in the country and has a relatively strong customer base. Its main mode of operation is to unify the operation and management system of commercial banks authorized by legal persons. Its main goal is to achieve stable development and improve economic efficiency.

ICBC can provide 24-hour online telephone service. If you have any problems at any time, you can call the online customer service number to solve them. It also provides electronic and paper reconciliation services, which can bring great convenience to customers.

The benefits of ICBC credit card are:

1. Interest-free days. The maximum interest-free days of ICBC reaches 56 days, so you can provide more days for your repayment.

2. SMS reminder.

When applying for a credit card at ICBC, if the customer service on your card is due, the system will send you a free text message to remind you to pay it back in time. This prevents you from being busy with work and forgetting to repay the loan, resulting in more overdue fees on your bill.

3. Automatic repayment is possible. ICBC has its own software, where you can set which card will be used for automatic repayment when your credit card expires. This way, you no longer need to go to the bank to deposit money and repay it, and you can directly bind it to the savings card.

4. Enjoy points. When credit card purchases are made, points will be saved for customer service, and the points can be used to buy things. So when you have enough points, you can use the points to collect items on the online software platform.

5. Provide 24-hour service hotline. There is a 24-hour service hotline for all questions about ICBC. When you have questions about ICBC, you can make a manual service call.

Is ICBC credit card good? What are the characteristics?

ICBC credit cards have always been very popular in forums and major forums. As the largest bank in the world, its credit card business has been booming in recent years. There are many branches, many points discounts, and high-quality services. So what are the advantages of ICBC credit cards that are worth applying for? Is ICBC credit card any good?

ICBC Credit Card Classification

Peony Card is divided into Peony Credit Card and Debit Card according to whether it has consumer credit function.

Peony Credit Card is divided into Peony Credit Card and Debit Card according to whether it enjoys interest-free repayment. It is divided into Peony credit card and Peony quasi-credit card;

It is divided into platinum card, gold card and ordinary card according to credit grade.

According to the account currency, it is divided into RMB card, dual-currency card and multi-currency card.

I conducted a poll online and 98% of users said that ICBC credit card is easy to apply for and has high praise.

So what are the specific advantages of ICBC credit cards?

1. For all ICBC credit cards, local bank cash withdrawals are free of charge

2. For all ICBC credit cards, ICBC counter deposits across the country are free of charge

3. If you have an ICBC international debit card, ICBC online banking across the country will give you free remittance fees

4. You can receive text message reminders for all purchases, free of charge

5. You can use the consumption password Choose from three methods: no password is required for all transactions; a password is required for all transactions; a password is required for transactions above the limit

6. All ICBC credit cards can be processed after registering for online banking and activating the "e-commerce" function. Online payment; if you use U-Shield, there is no limit to online payment

7. All ICBC credit cards are billed on a natural monthly basis, which is convenient for memory (for some cardholders, it may be an inconvenience to not be able to adjust the billing date) )

8. ICBC credit card (including RMB credit card and dual-currency credit card)

The interest-free period is up to 56 days

9. ICBC credit cards (including RMB credit cards and dual-currency credit cards) do not charge interest on the part that has been repaid when the repayment is not in full, which is unique among all bank credit cards

10. Rich card types and wide choices - quasi-credit card, RMB credit card, dual-currency credit card (USD, EUR, HKD); VISA, MASTER, AE, and UnionPay standard cards are available

11. There are many outlets and card acceptance is good. It is rare to hear that there are places where you can swipe cards that do not accept ICBC credit cards

12. Most cards have independent limits (the newly issued one is RMB 62,223) Most of the credit card limits are shared, such as the "Dream Realization" series of pig card credit cards and sports cards), and the RMB accounts of dual-currency credit cards are independent of each other (some people may prefer it in some special circumstances) Limit ***)

So how to improve the success rate of ICBC credit card application?

1. Prepare all the documents

Income certificate and work certificate are necessary materials. In addition, we also need to prepare deposit certificate, real estate certificate and vehicle operation certificate.

If you are unable to provide high-quality proof of financial resources, you can also choose to submit academic certificates, professional title certificates, etc. as auxiliary materials. The most important thing is "more"!

2. Assistance from other banks

If the applicant has credit cards from other banks or deposits from other banks, it is best to submit them when applying for an ICBC credit card. Both platinum cards and large deposits can help applicants obtain higher success rates and credit limits.

3. Purchase financial management

In addition to various application materials, applicants can also consider purchasing deposits into ICBC financial products. Regardless of the limit, it can effectively improve the success rate of your credit card application.

How about ICBC credit card?

Benefits of ICBC:

1 Local cash withdrawal fees are unconditionally waived (the only one)

2 Cash withdrawals, cash installments, and credit loan fees/interests are the lowest (At least one), and it will not affect the amount increase. In some areas, handling fees can be collected in installments. After early repayment, subsequent handling fees will not be charged and there will be no penalty interest. Cash installments can be canceled on the same day.

2 Penalty interest for incomplete minimum repayment (the only one)

3 Low starting point for bill installments (total RMB bill exceeds 600 yuan), low handling fees

4Long interest-free period (up to 56 days)

5Free text message reminder (Elite Club customers, 5 stars can be issued at 0 in some areas)

6There are basically no sales calls. There are very few risk control calls, large credit card swiping is done in one go, and the risk control is almost the loosest.

7 Starting from the second card, cards of the same level can choose independent accounts, or you can choose to link multiple cards to share the account. The latter is similar to the CMB system, with unlimited account sharing, but CMB Annual fee reductions and exemptions for each card in the system must be counted separately. For example, each of the 10 UnionPay gold cards needs to be swiped 6 times to be exempted from the annual fee. However, ICBC only needs to swipe 10 total cards 5 times to waive the annual fee. For Platinum cards, the annual fee is waived. The same applies to the card (the only one, other banks are either independent or shared, and the second card does not have a 100-second approval or credit check channel)

8 All card types that have been opened 100 seconds for approval, 100 without credit check, 100 without credit report. (The only one)

9 Platinum cards with no annual fee are launched from time to time (Diners Club Platinum Card is free of annual fees within the validity period by swiping a single payment during the promotion period, and the Platinum Card is unconditionally free of annual fees when placing an order. It is launched in many areas. Apply for free annual fee through Universal. In some areas, the annual fee of Platinum Card can be waived by purchasing financial management. All Platinum Cards can enjoy unlimited airport and high-speed rail VIP services)

10 Starting from the card opening, every You can apply for a manual limit increase at least once a month. The system recommends a limit in seconds. The limit increase for low-deposit cards is often 5 to 10 times. The limit increase for cards with tens of thousands of limits is often 10,000 to several thousand.

11 Some types of cards, including gold cards and regular cards, are free of annual fees for life during the promotion period (about one year).

12. Instant repayment for consumption is convenient. At this point, you can go back to manual foreign exchange purchase and repayment.

There are three more, which are advantages for some people and disadvantages for others. It depends on each. People need it.

1 All consumption currency conversion fees for standard and global multi-currency cards are waived. The 10 currencies are recorded in local currencies and can be repaid directly in local currencies (if it is a US dollar dual-currency card, I obviously have pounds, When swiping pounds, I have to convert it into U.S. dollars, and then I have to buy U.S. dollars to repay, which means two exchange rate losses. With a multi-currency card, I can repay directly in pounds without any exchange rate loss), and the repayment of foreign exchange purchases is not affected. Affected by real-time exchange rate fluctuations, you can choose to purchase foreign exchange and repay at the best time of exchange rate (the only one)

2. The order of repayment is that the ones with interest are paid first, and then the ones are interest-free, that is to say, repay in cash first, and then withdraw money. Pay the bill later.

3 The limit increase mainly depends on the stability of work income and assets (and liabilities). Cards that do not exceed 10W at least do not care about the protection fee. Except for a few areas, the long-term daily average limit is 20W to 10W. It is basically not difficult to increase the average daily balance from 100,000 to 50,000, even if you only spend a few hundred dollars a month, most of them are 0.38 and online payment.

This is the end of the introduction about ICBC credit card and how to check the credit bill with ICBC credit card. Did you find the information you need?