What are the benefits of using an ICBC credit card?
1. When you first start working, the income of many people is not very high. Since your income is not high, it is difficult to apply for a credit card with a high limit from ICBC. At the same time, if you want to apply for a credit card you like, you may not be able to get approved. Even if you are approved, the limit will be very low, but it can be accumulated slowly.
2. Of course, many people apply for credit cards for the convenience of traveling, shopping, etc., so my personal suggestion is to apply for some city-based cards. For example, if you are in Shenzhen, you can apply for a credit card with Shenzhen Pass activated, which will make it convenient to take buses and subways.
3. Of course, if you want to go to Hong Kong, Macau, Taiwan, etc., or go abroad because of your work needs or personal reasons, I personally recommend that you apply for a dual-currency credit card, that is, US dollars and RMB of. After all, the US dollar is used in a wider range and is easier to settle. Of course, there are many on ICBC’s official website.
4. The feeling of swiping a credit card is really good, especially since the credit card has the function of overdraft in advance. But when enjoying this convenience, you must not blindly swipe your credit card, and learn to cherish your credit. Once there is a stain on your credit, it will bring unnecessary trouble to your life, work, etc.
What are the differences between ICBC’s various credit cards?
The differences between the ICBC Gold Card and the Regular Card are as follows:
1. The credit limits are different.
The difference between the ICBC Gold Card and the regular credit card is very different in terms of credit limit. The credit limit of the regular credit card is generally 3,000 yuan to 10,000 yuan, while the credit limit of the gold credit card is usually 10,000 yuan. Up to 50,000 yuan, the gold card is much higher than the regular card.
2. The annual fees are different.
Because the limit of the gold card is higher, the annual fee of the gold card is much higher than that of the ordinary card. Taking the Peony Dual Currency Credit Card as an example, the annual fee of the gold card is 200 yuan. The annual fee for a regular card is only 100 yuan.
3. The discounts are different.
Because the credit card gold card has a higher level than the regular card, it usually has some benefits that the regular card does not have.
Extended information:
The more popular types of ICBC credit cards are as follows:
1. ICBC Monetary Fund Credit Card (UnionPay).
Standard quasi-credit card financial functions; smart financial management, smart investment; automatic redemption, smart repayment; interest on deposits, and tax-free income.
2. ICBC Air China Peony Credit Card (American Express).
Flexible currency selection takes you around the world; accumulate mileage easily and affordably; rent a car globally to control the world; easily accumulate and redeem discounts; and enjoy premium golf booking services.
3. Industrial and Commercial Bank of China Southern Airlines Pearl Peony (Group Customer) Business Credit Card.
Identification of distinguished customers of China Southern Airlines; safe and fast account balance change reminders; revolving credit, sufficient interest-free repayment period; one card with dual currencies, universally accepted; comprehensive business travel insurance.
4. Industrial and Commercial Bank of China Anbang Credit Card (UnionPay regular card).
Real-time arrival of deposits, withdrawals, and consumption; real-time SMS balance change reminders; 24-hour online and telephone banking services; year-end financial settlement bill services; paper or electronic reconciliation services.
5. ICBC Peony Netcom Credit Card (China UnionPay Bank Card).
You can agree on automatic account repayment; online shopping at home and abroad; 24-hour online and telephone banking services; self-service balance adjustments; year-end financial settlement bill services; paper or electronic reconciliation services.
ICBC-Card World
What are the advantages of ICBC credit card? Please answer! !
The advantages and disadvantages of Bank of Communications credit card: Advantages: The threshold is very low; the initial limit is very high; there are many discounts; repayment is quite convenient. Disadvantages: The system can only actively raise the limit, but cannot apply for a raise, and manual intervention is not possible; cheating SMS reminder fees; cash withdrawal fees are very expensive; full penalty interest; strict risk control, violations can easily block the card and affect credit reporting.
Advantages and Disadvantages of ICBC Credit Card: Advantages: The maximum credit limit of a personal card is 50,000 yuan; it can be used at overseas acceptance points with "VISA" and "MasterCard" logos; it is settled in RMB and a designated foreign currency, and it has overdraft consumption and transfer settlement , deposit and withdraw cash and other functions; you can use RMB to purchase foreign exchange for repayment; Disadvantages: It is not very convenient to use ICBC credit cards abroad. There is no handling fee through UnionPay channels at POS or ATMs, but it is not very popular compared to such merchants; use American Express or VISA Channels all require handling fees, and the use cost is relatively high;
What types of ICBC credit cards are there?
According to different standards, ICBC’s credit cards are divided into different categories, which can be roughly divided into: Peony standard credit card, Peony co-branded credit card, and Peony theme credit card. Other classifications are as follows:
1. According to the brand of ICBC credit cards, they are divided into: Peony Visa Card, Peony MasterCard and Peony Express Card;
2. According to the credit rating They are: platinum card, gold card and ordinary card;
3. According to the issuance objects, it is divided into business card and personal card, among which personal card is divided into main card and supplementary card.
1. Peony Standard Credit Card
The Peony RMB credit card is issued by the Industrial and Commercial Bank of China. It adopts the internationally accepted revolving overdraft consumption method. The card issuer provides payment according to the credit status of the cardholder. The cardholder's credit limit, the cardholder consumes within the credit limit first and then repays.
2. Peony Co-branded Credit Card
Co-branded credit card is a derivative product of Peony Card issued by commercial banks in cooperation with various institutions, with the logo of the co-branded unit printed on the card surface. The essence of its operating model is that banks introduce preferential and value-added services from another industry through the resources of co-branded partners. Therefore, co-branded cards not only have the financial service functions of ordinary credit cards, but can also enjoy discounts or other special services from the co-branded unit. .
3. Peony-themed credit card
There are many kinds of peony-themed credit cards. For example, the Peony Food Card is a themed credit card issued by the Industrial and Commercial Bank of China with the connotation of "Love Food, Love Life". Cardholders can not only enjoy the basic financial functions and services of ICBC Peony Credit Card, but also experience preferential treatment from ICBC’s nationwide catering merchants. While enjoying delicious food, they can also feel the warm services provided by ICBC.
Extended information:
ICBC credit card is the most widely issued credit card in China. Currently, 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 the credit level, they are divided into: Platinum Card, Gold Card and Ordinary Card; according to the issuing objects, they are divided into business cards card and personal card, of which personal cards are divided into primary cards and secondary cards.
Reference materials:
ICBC Credit Card - Baidu Encyclopedia
What are the functions of ICBC Citizen Credit Card?
The card can enjoy You can also enjoy credit card functions such as spending first and repaying later, and you can also enjoy special functions such as iGo benefits, Shenzhen Express, Guangzhou-Shenzhen Railway functions, restaurant points link, electronic cash, and point currency consumption.
The application conditions for ICBC credit card are:
1. Applicants for the main ICBC credit card must be between 18 and 60 years old, and have full civil capacity.
2. Applicants for ICBC credit card supplementary cards must be direct relatives of the main card holder, such as parents, sisters, husband and wife, children, etc., be between 13 and 60 years old, and have full civil conduct ability.
3. Applicants need to have a stable job, and their monthly income can be paid in the form of a check-in. The average monthly income must be more than 3,000 yuan.
4. Applicants need to have a good credit record and no major default records.
5. Applicants must pay social security on time and have a relatively large social security balance.
6. Applicants must have certain proof of assets, such as bank deposits, stocks, bonds, vehicles, real estate, etc.
Extended information:
Notes:
1. The more stable the work unit, the higher the score. It is better if it is a large state-owned enterprise or a Fortune 500 company. Score higher. The nature of the work units is unstable, such as waiters in entertainment venues, sales staff, etc., and the ratings are relatively low.
2. The higher the position, the higher the score.
For example, civil servants and company managers score higher than ordinary employees.
3. Many aspects on the credit card application form will affect the bank’s credit evaluation score. The higher the evaluation score, the higher the chance of credit card approval and the higher the limit.
4. If you already have a credit card and have a good repayment record, you do not need to provide proof of assets. You only need to make a copy of the credit card you already have when applying and send it with the application form. .
Baidu Encyclopedia - Industrial and Commercial Bank of China
Official website of Industrial and Commercial Bank of China - Citizen Credit Card
About the functions of ICBC credit cards and the functions and functions of ICBC credit cards This is the end of the introduction. Have you found the information you need?