1. ICBC's credit card consumption in Alipay is free of annual fee, but there are no points. Points are only applicable to certain merchants of ICBC. If you want to know which business has points, you can call 95588 directly.

2. ICBC's U shield has a daily cumulative limit of 6,543,800 yuan. You need to find out if you have a credit card, because ICBC's credit card is online consumption, and the maximum amount of a single payment is 1000 yuan. There is no such restriction on smart cards.

3. Cards with the same ID number can join online banking. For example, if you have opened a smart card before, and then you have opened a credit card with the same ID card, you can add the credit card to the online bank at the outlet, so that your credit card can be spent online. However, if you add it to the online banking, the credit card can only be queried, not consumed.

4. Credit cards with the same ID number and card can be set up with automatic repayment as long as they are set up at any local ICBC counter.

5. Repayment can be made manually before the automatic repayment date, and it is still valid after automatic repayment.