deposit account (DA)
(1) basic account
① basic account is a current savings account with multiple currencies (RMB, USD, HKD, GBP, EUR, JPY, Swiss franc, Canadian dollar, Australian dollar and Singapore dollar), which has all the functions of a current savings account.
② When the "wealth management account" card is used for ATM withdrawal, automatic deposit machine deposit, POS consumption, payment of annual fee of wealth management account and other service charges, all the funds in basic account are used for liquidation.
(2) General deposit account
① General deposit accounts include all kinds of savings deposit accounts opened by the Bank, such as current account, lump-sum deposit and withdrawal account, fixed deposit and withdrawal account, interest-bearing deposit account, notice deposit account, etc.
② Apart from RMB deposits, general deposit accounts can also handle up to nine kinds of foreign currency savings deposits, namely: US dollars, Hong Kong dollars, British pounds, euros, Japanese yen, Swiss francs, Canadian dollars, Australian dollars and Singapore dollars. [ 1]
loan account
(1) The loan account in "wealth management account" can meet the needs of customers to apply for multiple personal loans with one account, and provide convenient and unified personal loan application, issuance, balance inquiry and repayment business functions.
(2) Customers can apply to the bank at any time for various personal consumption loans that the Bank has offered, including personal automobile consumption loans, personal comprehensive consumption loans, personal small short-term credit loans and personal pledge loans.
(3) When handling personal consumption loans, "wealth management account" customers can enjoy many VIP services, such as priority handling, priority approval, and sending loan business statements on demand.
(4) Customers of "wealth management account" can apply for loans from banks by means of comprehensive credit. With this form of loan, customers enter the green and convenient loan channel of the bank and enjoy various personal loan facilities. [ 1]
Investment account
The investment accounts in the "wealth management account" include fund accounts, bonds, gold, insurance and other related investment accounts. Customers can buy and sell related funds, bonds and gold, as well as the "bancassurance" business.
Customers can open new general deposit accounts, loan accounts and investment accounts in the "wealth management account", or transfer such accounts already opened in the bank to the "wealth management account" to enjoy the convenience of "one household for multiple purposes".
The wealth management account (gold card) has the following exclusive quality services:
Exclusive VIP channel:
1. exclusive VIP wealth management center, 2. Green channel priority service, 3. Hong Kong and Macao VIP financial services. Vip exclusive online banking, 5. Telephone banking VIP channel, 6. Emergency support service.
Exclusive fee discount:
1. Many fee reductions. Special merchant discounts and 3. Free VIP special issue.
Expert financial services:
1. Expert financial management team. Full-time account managers, 3. Rich investment and wealth management products, 4. Loan services, and 5. Timely financial information.
Committed to wealth management products:
1. Fixed income wealth management products, 2. Cash management financial products, 3. Domestic capital market wealth management products. QDII products, 5. Structured products (QUANTO products or dual-currency wealth management products).
Professional customer management:
1. Centralized account management, one card for multiple purposes, 2. Personalized automatic transfer, 3. Fixed service, 4. Accumulated interest deposit plan, 5. Li Tianli's account, 6. Imprest service. Joint account, 8. Bank account, 9. Comprehensive reconciliation service.
Exclusive exciting activities:
1. Financial Salon, 2. Theme activities, 3. Special events
ICBC credit card is the credit card with the highest circulation in China. At present, ICBC credit cards mainly include: Peony International Credit Card, Peony Credit Card and Peony Credit Card; ICBC credit cards are divided into: Peony Visa Card, Peony MasterCard and Peony American Express Card by brand; According to the credit rating, it is divided into: platinum card, gold card and ordinary card; According to the issuing object, it is divided into business cards and personal cards, in which personal cards are divided into main cards and auxiliary cards.