What does ICBC credit card package mean?
If you apply for credit card products issued by VISA, MasterCard, JCB, Diners Club and UnionPay using the 11 model, these cards are all one A UnionPay card is issued in combination with a single-logo card corresponding to a foreign card organization. The two cards have the same account and enjoy the same limit.
(Answer time: January 29, 2020. In case of business changes, please refer to the actual situation.)
What is a credit card card?
Foreign currency credit card. A credit card set refers to two cards. When applying for a credit card, in addition to a UnionPay card, there is also a matching foreign currency credit card with an exclusive limit.
Extended information:
According to Article 7 of the "Regulations on the Supervision and Administration of Credit Card Business of Commercial Banks": Credit cards refer to records of cardholder account information and have bank credit lines and overdraft functions. And provide cardholders with various media related to banking services.
Credit card repayment methods: The methods within the card-issuing bank include: card-issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. After repayment, the credit card limit will be restored immediately, and the payment will generally be credited to the account after the system processes it on the same day.
Weiyintong POS mobile phone and Weiyintong POS mobile phone are a mobile financial system personal payment terminals that can be used to directly repay by swiping cards, as well as perform transfers and other services. Instant payment!
Transfer/remittance repayment is mainly divided into two methods: inter-bank inter-bank in the same city and inter-bank inter-bank in different places. Regardless of the method of transfer or remittance, the remittance bank will charge a certain fee. At the same time, the time it takes for the money to arrive and the convenience of repayment are not as good as intra-peer repayment, online repayment, convenience store repayment and other methods.
The more common domestic online platforms for online repayment include: UnionPay Online, Kuaiqian, Shengfutong, Alipay, Tenpay, etc. Depending on the platform and bank you choose, the charging standards and specific payment arrival time will be different.
This method of convenience store repayment is mainly completed through the "Lakala" smart payment terminal installed in the convenience store. Generally, the payment time takes 2 to 3 working days. At the same time, using this There is no handling fee for repayment.
Counter repayment counter refers to bank cards issued by various networked financial institutions, which can be used to conduct RMB current deposit and withdrawal transactions through the counters of other bank branches registered in the UnionPay exchange center host system.
The "Xinpaytong" smart credit card phone for repayment is an innovative electronic product independently developed by China UnionPay, certified by the Bank Card Testing Center, and supported by financial services provided by China UnionPay's inter-bank information exchange network.
Use "Repayment Tong" to make repayments, and the fees are generally charged according to the fee standards for intra-city inter-bank transfers and long-distance inter-bank remittances stipulated by the local People's Bank of China.
Other methods In addition to the methods mentioned above, card issuers have also opened their own unique repayment methods in order to facilitate cardholders' repayment.
Is the ICBC Youth Card the primary card?
The card with full operating authority is the primary card, and the card without full operating authority is the secondary card. There are two credit cards issued by ICBC, which are called set cards. One is the main card and the other is the secondary card. The two credit cards can be used independently, but they share the credit limit.
What does it mean to set up an ICBC credit card?
A set of cards generally refers to two or more credit cards. Generally, in addition to the RMB credit card, there is also a matching foreign currency credit card with an exclusive limit, or several cards launched by the bank. Apply for two different types of credit cards together, and you can use these cards in combination. After applying for a set of cards, some banks can repay the set of cards together, while some banks still require each card to be repaid separately, so you need to pay special attention when repaying.
I have an ICBC credit card package (one UnionPay and one MasterCard). What does it mean to enjoy the limit of two cards?
If you apply for ICBC credit card products issued by VISA, MasterCard, JCB, Diners Club and UnionPay cards using the 11 model, such cards are a UnionPay card and a single-logo card corresponding to a foreign card organization. Combined release. The two cards have independent functions, the same level, and unlimited credit limit. For example: If the credit card limit under your name is 5,000 yuan, and you have 2 credit cards issued in the 11 mode under your name, one of which has an overdraft of 3,000 yuan, then the available limit of the other credit card is only 2,000 yuan. You can also call the customer service hotline 95588 to contact the manual service to inquire about the quota* sharing status.
(Answer time: June 6, 2019. In case of business changes, please refer to the actual situation.)
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