How long is the validity period of ICBC etc credit card? You need to do this when you change your card when it expires.

ICBC etc credit card can provide cash back, high-speed toll concessions and other benefits for car owners, which is very good, especially within the validity period, without the pressure of annual fees. Many cardholders want to know how long the ICBC etc credit card is valid, and what should I do if the card expires? Let's have a look.

How long is the validity period of 1. ICBC etc credit card?

ICBC credit cards are generally valid for five years, but some chip cards of ICBC are valid for up to eight years.

Usually, the validity period of the ICBC card is embossed on the front of the card, with the first two digits being the month and the last two digits being the year (such as MM/YY). You can check the validity of the card through the information printed on ICBC etc credit card.

Because ICBC etc is free of annual fee within the validity period, there is no need to worry about the annual fee pressure whether it can open the card or not after activation.

2. What should I do if ICBC etc credit card expires?

Under normal circumstances, ICBC will send a new card to the billing address for free in the month when the card expires. After activation, it can be used normally, and the old card is invalid at the same time. In order to prevent information leakage, it is best to cut the old card after activating the new card.

However, it should be noted that ICBC etc credit card is bound with etc high-speed traffic service. After the card expires, it is necessary to replace the bound etc credit card at ICBC etc outlets. After all, the CVV2 code of the new card is different from that of the old card. Failure to replace it in time will affect the use of etc services.

The above is the introduction of "How long is ICBC etc credit card valid?" I hope it will help you. If you have any questions about ICBC etc credit card, you can call ICBC credit card service hotline and consult customer service.

What is the limit of ICBC etc credit card?

The limit of ICBC's ETC credit card is between 1000-50000 yuan, and how much personal limit can be reached depends on your use.

ICBC will make a detailed understanding based on the information provided by individuals and a series of information such as credit information and personal income within the bank, so as to determine your initial etc quota. The credit limit of ETC credit card will increase with the increase of use time, consumption, credit and repayment. You can also apply to ICBC to increase the etc quota after using it for a period of time. ETC credit card is a functional credit card, which is issued by banks for a single purpose and field.

How to change the temporary credit limit into a fixed credit limit?

Credit card temporary limit cannot be converted into fixed limit. Temporary credit line is the total amount of credit temporarily increased according to the temporary needs of customers.

According to the regulations of the bank, the general temporary credit line is 20% higher than the permanent credit line, and it has a certain validity period. The validity period is generally 1-2 months, after which the original fixed quota will be restored.

If you want to increase the quota, you can try the following methods:

First, try to use up the credit card limit. It is best to use up the amount given by the bank every month, and the monthly consumption of cardholders is also the main reference for the bank to consider how much to increase the amount.

Second, spend as much money as possible. If you have a credit card, you should use it as much as possible. The information system of the issuing bank will record and count the frequency of credit card swiping. If you can maintain a high number of credit card swipes and a good repayment record for about half a year, you can generally apply for increasing the credit limit, and even the issuing bank will automatically increase the credit limit.

Third, there is no late payment fee. If the repayment is not timely, you will not only have to pay a high late fee, but also be recorded in the bank's credit information system and registered in the central bank's personal credit information system, which will affect your credit card application and increase the amount and consumption.

ICBC credit card quota promotion needs to meet the following conditions:

1. ICBC's credit card limit needs to be activated by users for more than half a year (180 days or six bills), and ICBC credit card holders can apply to the credit card center to increase the limit.

2. For the first withdrawal, you need to use the card for more than half a year, and it is in normal use (generally, the average monthly consumption is required to be above 30%/ limit) and there is no bad record in the last 6 months. Peony credit card has a fixed amount and does not provide adjustment service.

3. In addition, the repayment credit status without bad records within half a year is only the basic condition for ICBC to increase the credit card limit. Can quitting succeed? Is it possible?

What is the general limit of industrial and commercial etc credit card?

About 1 ten thousand-1 ten thousand. ICBC etc Credit Card is UnionPay Gold Card. According to the previous credit situation of ICBC, the credit line of ICBC etc credit card is generally around 1 0,000-10,000. The specific credit limit is based on the comprehensive evaluation of the applicant's credit status. Please refer to the actual credit limit.

Credit card is a credit certificate issued by commercial banks or credit card companies to qualified consumers.

Two, the form of credit card is a card with the name of the issuer, the validity period, the number, the name of the cardholder and other contents printed on the front. [1] Consumers with credit cards can go to special commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.

Third, the earliest credit card appeared at the end of 19. In the 1980s, the British clothing industry developed the so-called credit card, followed by the tourism and business sectors. However, at that time, the card could only be used for short-term commercial credit, and the money had to be paid back as needed. There was no long-term default and no credit line. In 1950s, McNamara, an American Manhattan credit expert, dined in a restaurant. Because he didn't bring enough money, he had to ask his wife to send money. This made him feel embarrassed, so he organized DinersClub (English: Diners Club). Members can bring their dining charge cards to 27 designated restaurants for consumption without paying cash. This is the earliest credit card. Franklin National Bank was the first bank to issue credit cards, and other American banks followed suit.

It is said that one day, Frank McNamara, an American businessman, entertained guests in a restaurant in new york. After eating, he found that he forgot to bring his wallet. He was deeply embarrassed and had to ask his wife to bring cash to the restaurant to settle the bill. So McNamara came up with the idea of creating a credit card company. 1 In the spring of 950, McNamara and his friend Schneider jointly invested110,000 US dollars to establish DinersClub in new york, the predecessor of Diners Credit Card Company. Diners' Club provides members with a card that can prove their identity and ability to pay. With this card, members can keep accounts and spend money. This kind of credit card that does not need to be handled by a bank is still a commercial credit card.

Fourthly, another way of saying credit card is that credit card is a non-cash transaction payment method and a simple credit service. Credit cards are generally plastic cards with a length of 85.60 mm, a width of 53.98 mm and a thickness of 65,438+0 mm, which are issued to cardholders by banks or credit card companies according to users' credit and financial resources. Cardholders do not need to pay cash when using credit cards, and make repayment on the checkout date. Except for some credit cards combined with financial cards, credit cards are different from debit cards and ATM cards, and credit cards will not directly deduct money from users' accounts. 20 12 February, the bank confirmed that the credit card is safer without password, and if it is stolen, it will share the responsibility with the bank. Enjoy an interest-free period of 25-56 days (or 20-50 days). Credit card consumption enjoys an interest-free period, and the bill amount is paid off before the due repayment date, without any cost. There is no interest-free repayment period for cash withdrawal, and five ten thousandths of daily interest will be charged from the date of cash withdrawal, and the bank will also charge a certain percentage of cash withdrawal fee. About 1 ten thousand-1 ten thousand. ICBC etc Credit Card is UnionPay Gold Card. According to the previous credit situation of ICBC, the credit line of ICBC etc credit card is generally around 1 0,000-10,000. The specific credit limit is based on the comprehensive evaluation of the applicant's credit status. Please refer to the actual credit limit.

Is there an annual fee for ICBC etc credit card?

Yes

The annual fee of ICBC ETC credit card is single currency card 50 yuan, supplementary card 25 yuan, dual currency card 100 yuan, and supplementary card 50 yuan.

ICBC ETC Credit Card swipes the card for five times within one year from the date of self-checking, or if the unlimited consumption amount reaches 5,000 yuan or equivalent, the annual fee for the current year can be exempted.

ETC is a non-stop electronic toll collection system, and ETC lanes are used for vehicles equipped with ETC on-board equipment.

ETC (Electronic Toll Collection) system is the most advanced road and bridge toll collection method in the world. The vehicle-mounted electronic tag installed on the windshield of the vehicle communicates with the microwave antenna on ETC lane of the toll station in short distance, and the computer networking technology is used to make background settlement with the bank, so that the vehicle can pay the road and bridge fees without stopping at the road and bridge toll station.

After 20 18 1, the toll paid by ETC card or user card, and the recharge fee of ETC card can be invoiced electronically without paper bill. 2065438+May 19, Dai Dongchang, vice minister of the Ministry of Transport, said that after canceling the provincial toll stations, it is necessary to ensure that the utilization rate of ETC reaches over 90% before the end of this year and ensure the smooth operation of the whole road network.

Electronic Toll Collection (ETC) is one of the service functions of intelligent transportation system, which is especially suitable for use in highway or bridge tunnel environment with heavy traffic. At present, there is a special ETC toll collection channel at the expressway toll collection office. As long as the owner installs an induction card on the front windshield of the vehicle and pre-stores the fees, there is no need to pay or stop manually when passing through the toll booth, and the high-speed toll will be automatically deducted from the card, which can realize automatic charging. This charging system charges less than two seconds for each car, and the capacity of the charging channel is 5 to 10 times that of the manual charging channel.

The use of automatic electronic toll collection system can make expressway toll collection move towards paperless and cashless management, fundamentally put an end to the loss of toll tickets and solve the financial management confusion in expressway toll collection. In addition, the implementation of fully automatic electronic toll collection system can also save capital construction costs and management costs.

The system needs to install vehicle-mounted equipment carrying vehicle information on the vehicle. When the vehicle enters the crowd in the electronic toll collection channel, the station-level equipment of the expressway data acquisition and processing system reads the vehicle information in the vehicle-mounted equipment, calls out the matched vehicle data from the database, publishes, stores the records and uploads them to the data management center of the expressway data acquisition and processing system.

The data management center analyzes the passing vehicles, forms the deduction transaction facts and uploads them to the bank, and the bank returns to the data management center in real time after completing the transaction processing.

How long will it take for ICBC etc credit card to be completed?

Under normal circumstances, it takes about 20 working days for ICBC's ETC credit card review, plus the time consumed by other procedures, it takes about 25 working days to apply for and collect an ICBC ETC credit card. Due to the different business regulations of ETC credit cards in different channels and regions, the actual time required may change.

The processing flow of ICBC ETC credit card is as follows:

(1) The owner of the vehicle shall provide the information required for handling the ICBC ETC credit card. These materials include: the valid identity certificate of the owner (if the owner is looking for an agent, the valid identity certificate of the agent is also required), the original and photocopy of the driving license, and the photocopy of the driving license (at least the page stamped with the latest annual inspection should be copied).

(2) Fill in the credit card application form. This newly applied credit card will be bound with ETC card. After a new credit card is issued, you can spend it twice by swiping the card, and then take the credit card receipt to the designated business outlets of ICBC to collect and install ETC on-board equipment (OBU). Because ICBC is engaged in promotional activities, car owners do not need to pay any fees when collecting and installing OBU at present.

(3) If the owner wants to use the existing credit card to bind the ETC function, because this behavior is not within the scope of this activity, the owner cannot get the OBU for free. Car owners can choose to apply for a new credit card first, and then share the quota between the old credit card and the new card. You can also cancel your old credit card directly.

(4) If the owner wants to bind the ETC function with the savings card, the owner now needs to freeze a certain amount of deposits in the savings card. At the same time, because the savings card does not belong to the scope of activities, the owner can not get OBU for free.

How to recharge ETC of Gansu ICBC?

Gansu Branch ETC needs to bind a credit card. You can go to the local ICBC business outlets for consultation.

The introduction of Gansu ICBC etc Credit Card and Industrial Credit Card ends here. I wonder if you found the information you need from it?