China Industrial and Commercial Bank Minions Credit Card is issued by China Industrial and Commercial Bank. It is the first genuine authorized credit card in "Stealing Dad 3" in China. There are four cards: Pure Yellow, High Cold Meng, Renyou Blue and Mechanical Black, and the annual fee is reduced or exempted within the validity period.

Users can get banana coupons, 3D mugs prepared by Minions for new customers, 1 month Youku or Iqiyi VIP members. The cardholder can spend 1 at will in the current month, and the account security insurance of ICBC credit card in the cardholder's name can be given free of charge in the next month.

What are the advantages and disadvantages of ICBC's Minions digital credit card? How about ICBC Minions Credit Card?

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.