What is the customer service telephone number for Industrial Bank’s credit cards?

Industrial Bank’s 24-hour customer service hotline is 95561, transfer 1 to enter the credit card menu, and provide customers with bill inquiries, limit inquiries and adjustments, bill installments, points inquiry and redemption, cash advance and transfer repayment, Activation and password services, application progress inquiries and other credit card services.

Credit cards, also called credit cards, are credit certificates issued by commercial banks or credit card companies to consumers with qualified credit. It takes the form of a card with the issuing bank's name, validity period, number, cardholder's name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

Credit cards stipulated in the relevant laws of our country ("Interpretations of the Standing Committee of the National People's Congress on Relevant Credit Card Regulations") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, transfer settlement , cash deposit and withdrawal and other full or partial functions of the electronic payment card. On December 1, 2017, the "English Translation and Writing Standards in the Public Service Field" was officially implemented, stipulating that the standard English name of credit cards is CreditCard.

Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate).

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the prescribed credit limit. The so-called credit card generally refers to a credit card only.

Starting from January 1, 2021, the credit card overdraft interest rate will be determined independently by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of credit card overdraft interest rates will be cancelled. The daily interest rate is 0.7 times 5/10,000).

On May 25, 2021, the Supreme People’s Court issued and implemented the “Regulations of the Supreme People’s Court on Several Issues Concerning the Trial of Bank Card Civil Cases.”

Industrial Bank’s credit card customer service hotline

As of March 2020, the Industrial Bank’s credit card hotline is 95561, the overseas customer service hotline: 86-21-38769999, and the overseas credit card platinum hotline: 86-21 -38429696.

Industrial Bank Credit Card Security Reminder

A credit card that uses a password for consumption is like a locked treasure box. When the user's bank card is lost, stolen, or the information is leaked, the user's funds are safe. There is an extra layer of protection, and more and more cardholders choose to use consumption passwords to protect the security of their cards. If the user has not set up the UnionPay POS consumption password function, please call 95561 or log in to credit card online banking to activate the UnionPay POS consumption password function.

In order to protect users’ card security, users are requested not to disclose card transaction passwords to others and avoid saving them in clear text (such as writing on paper) to reduce the risk of password leakage; when making purchases with the card, please Make sure your card is within sight to prevent it from being misused or stolen.

When using a credit card with a password for transactions, pay attention to whether there are others peeping or recording around you. Make necessary shields when entering the password to prevent the password from being stolen by others; please separate the credit card and password properly. Keep it safe and change the password from time to time. Do not choose a number that is easy to guess or is too simple, such as 123456 or your birthday, to prevent the password from being deciphered by others.

Extended information

Types of Industrial Bank credit cards

1. Platinum card series

UnionPay RMB Platinum Credit Card·VISA Standard Dual Currency Platinum Credit Card · MasterCard Standard Dual Currency Platinum Credit Card · Youyi Business Travel Platinum Credit Card · Youyue Health Platinum Credit Card · Youyang Golf Platinum Credit Card · GOLF MasterCard Platinum Credit Card · GOLF UnionPay Platinum Credit Card · Bank Card MasterCard Dual Currency Platinum Credit Card · Bank Card UnionPay RMB Platinum Credit Card.

2. Theme Card Series

Chinese Heart Credit Card·Garfield Credit Card·QQ Show Credit Card·Car Friends Credit Card·Starry Night·Constellation Credit Card·The 60th Anniversary Theme Credit Card·QQVIP Credit Card.