If you pay 166.67 points per month for ICBC credit card of 2,000 points in 12 installments, if the handling fee for 12 installments is 7.2%, 2000×7.2%=144, 2000/12=166.67, then you have to pay it back in the first month 144+166.67=310.67, and you will have to pay back 166.67 every month for the next 11 months.

1. Which ICBC credit card is better?

1. 1. Types of ICBC credit cards: 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 rating of ICBC credit cards, they are divided into: Platinum Card, Gold cards and ordinary cards; according to the objects issued by ICBC credit cards, they are divided into: business cards and personal cards, of which personal cards are divided into main cards and supplementary cards; according to the currency of ICBC credit card accounts, they are divided into: RMB cards, dual-currency cards and multi-currency cards. coin card.

2. ICBC credit card limit: The limit of any credit card is determined by the bank based on the applicant’s application conditions, application materials, credit record, etc., and the applicant will be given a certain amount based on the corresponding score. Generally speaking, the limit for regular cards is 3,000~10,000, the limit for gold cards is 10,000~50,000, and the limit for platinum cards is more than 50,000. The specific amount of quota you can get during your application depends on your overall strength.

2. How long does it take for ICBC credit card application to be reviewed?

After ICBC credit card application is received, it usually takes 15 working days to review. If the user's application is approved, ICBC will issue a card and mail it to the applicant. The mailing method is usually registered postal mail, which may take 1-2 weeks to arrive. After users apply for a credit card, they can check the credit card application progress through the following methods: WeChat inquiry. Users can follow the ICBC e-banking official account and click "Micro Finance" - "Card Application Progress" to check. Check the official website. Go to the official website of ICBC and click "Credit Card" - "Check Application Progress".

Users should repay in time after using credit cards and avoid overdue repayment. After overdue repayment, the bank will collect money

and incur penalty interest. The longer the time, the longer the payment will be. The more penalties are incurred. The bank will also upload it to the credit reporting center after it is overdue. When the credit reporting becomes bad

it will affect the processing of various loans.