How to use industrial and commercial credit cards
How to use ICBC credit cards is as follows:
1. Log in to personal online banking and select "Credit Card Inquiry" in the "Credit Card" service. Bind a credit card for consumption;
2. Log in to ICBC mobile banking and click "Credit Card Inquiry" in the "Credit Card" service to query credit card details;
3. Follow ICBC WeChat public Click "Industrial and Commercial Bank of China Customer Service", you can click "Smart Finance", "Credit Card", "Apply Card Now" and "Application Progress Inquiry" in order.
4. Call the ICBC customer service hotline, select manual service, and open a credit card and ID number.
What is the use of ICBC Universe Constellation Credit Card?
ICBC Universe Constellation Credit Card is an "Internet" product issued by our bank for young customers. It is divided into simple platinum card and gold card levels, as follows:
1. No annual fee within the validity period;
2. Repayment time tolerance;
3. No foreign exchange fee;
4. Earn 10 times points for spending on your birthday;
5. 13% off on Nuoxin cake;
6. If the card is our first credit card, 30 With any purchase within a day, you can receive a 1-month VIP membership of Youku or iQiyi through the "ICBC Credit Card WeChat" WeChat official account;
7. You can also participate in our iShop Weekend and iShop Global Activities, massive merchant discounts and cashbacks.
Send the text message "Constellation Card" to 95588 to get the card application link
Can the two Industrial and Commercial Universe Constellation Credit Cards be used in China
The Industrial and Commercial Universe Constellation Credit Card 2 cards can be used in China. These two cards are UnionPay single-logo single-currency card and VISA single-logo multi-currency card. UnionPay is the most convenient for domestic consumption. VISA card can only be used on a few POS machines. It is supported domestically. There are few merchants and it is inconvenient to use. It is mainly used abroad.
If the user only consumes domestically, it is recommended that the cardholder only activates the UnionPay single-logo single-currency card. There is no need to activate the VISA single-logo multi-currency card. If you often use cards to make purchases abroad, it is best to use VISA cards. This card is supported by many merchants abroad.
You can choose different card faces when applying for the Universe Constellation Credit Card. There are 12 types in one package, and they are divided into two levels: simple platinum and gold. The card faces have the same design, and are distinguished by the base color on the side of the card. Black is simple platinum, and red is gold.
When applying for a Universe Constellation Credit Card, different users get different limits. Generally, the better the materials submitted by the user, the higher the limit of the card issued by the bank. Users should make timely repayments after using this credit card to make purchases, and avoid overdue repayments. After all, overdue repayments will generate penalty interest and affect personal credit reports.
How about the ICBC Constellation Credit Card?
I think the ICBC Constellation Credit Card is pretty good. Friends who want to apply can go to ICBC to apply.
Financial special rights and interests of ICBC Constellation Credit Card
1. Annual fee reduction and exemption. Anyone who successfully applies for a Constellation Card, whether it is a simple platinum card, a gold card or a regular card, will be exempted during the validity period. Annual fee.
2. When the time comes, the repayment grace period is 3 days, which means a 3-day repayment grace period service is provided to the Constellation Card cardholders. When the cardholder repays within 3 days, it will be regarded as a card holder. People repay their loans on time.
3. Tolerance, the minimum repayment grace difference is 10 yuan. On the due repayment grace date (due repayment date grace period), the unpaid portion of the minimum repayment amount of the previous period's bill is less than or equal to 10 yuan. At Yuanshi, it can be considered that cardholders of the same constellation card have paid the minimum repayment amount.
4. There is no foreign exchange fee for multiple currencies, and there is no foreign exchange fee for any overseas consumption. The currencies of this card are US dollars, euros, Hong Kong dollars, British pounds, Japanese yen, Singapore dollars, Canadian dollars, and Australian dollars. 10 foreign currencies including US dollar, Swiss franc and New Zealand dollar.
When used on VISA card networks in countries or regions corresponding to 10 foreign currencies, the card will be directly credited in the corresponding currency without currency conversion, and the cardholder does not need to pay foreign exchange fees. When used in countries or regions other than the 10 foreign currencies, foreign exchange conversion fees are automatically waived.
5. Account security insurance, our bank’s latest credit card account security insurance, you can get it as long as you activate the card and make one successful purchase.
The insured amounts of Simple Platinum Card, Gold Card and Regular Card are 50,000 yuan, 20,000 yuan and 5,000 yuan respectively.
There is no limit to the number of times you can apply for insurance compensation during the insurance period, but the cumulative compensation amount shall not exceed the insurance limit.
During the insurance period, if your Constellation Card or all other ICBC credit cards in your name are lost, stolen, or stolen, or you hand over your ICBC credit cards to others under duress, or Disclose bank and password to others.
In the event that your ICBC credit card is stolen or transferred by others through bank counters, ATM machines, POS machines, or Internet transactions, insurance will cover transactions conducted 72 hours before the card is reported lost. The company will provide you with insurance benefits.
ICBC’s Universe Constellation Credit Card is divided into three levels: platinum, gold and common (currently, only gold cards are issued in the first batch).
The card faces have the same design, and are distinguished by the base color of the side of the card. Black is simple platinum, red is gold card, and blue is plain card. Among them, the Simple Platinum Card enjoys VISA Platinum Card privileges, UnionPay Platinum Card privileges, and all Platinum Card benefits of our bank except airport VIP lounges, aviation accident insurance, travel inconvenience insurance and other travel insurance.
Do you need to activate both Industrial Planet Credit Cards?
No.
When ICBC’s Universe Constellation Credit Card is issued, a UnionPay card and a VISA card will be issued together. After receiving the card, customers do not need to activate both cards. In fact, customers can press Choose activation based on your own usage requirements.
For example, if you only consume domestically, you can only activate your UnionPay card; if you live abroad, you can only activate your VISA card; and if you live domestically, you will also fly abroad for work. For travel, etc., if you have overseas consumption needs, you can activate both cards.
The Industrial Planet Card is divided into two levels: simple platinum card and gold card. Because both are exempt from the annual fee within the validity period, customers do not have to worry about being charged if one of the cards is not activated. The card does not There is no charge for activation.
After activation, as long as the amount shown on the bill is paid off in full within the specified repayment period, customers can also enjoy interest-free discounts. Of course, if you fail to repay in full before the repayment date (inclusive), then recurring interest will accrue, or if you choose to repay in installments, you will have to pay a certain installment fee; and after you withdraw the amount for use , and no longer enjoy the interest-free period.
1. ICBC credit card activation method:
1. Customer service hotline activation
First dial 95588, select the service you need according to the voice prompts, press "2" to enter ICBC credit card service, then press "2" to directly enter "Card Activation", and enter according to the voice prompts Your credit card, valid document (ID card) number and other relevant personal information can be successfully activated after completing the identity verification. After activation, you can set a consumption password.
2． Activation at the branch counter
The cardholder needs to bring his or her valid ID card, credit card and password letter to the local ICBC branch and activate the credit card on the spot according to the staff's prompts.
3. Online activation
Log in to ICBC's ICBC e-Life official website, select "Use Card" and follow the page prompts to enter the cardholder's name, ID number, card validity period and other relevant information, click Confirm, and set a credit card consumption password After that, you can complete the ICBC credit card activation.
How to activate the ICBC Universe Constellation Credit Card (debit card)? Can it be activated online?
If you apply for an ICBC credit card (credit card) for the first time, after getting the ICBC Universe Constellation Credit Card (credit card), you must bring the card and ID to any ICBC branch in the card-issuing area. Activate the card at one location. If this is not your first ICBC card, you can log in to ICBC e-Life, select "Finance" and follow the page prompts to activate your credit card (credit card).
This is the end of the introduction on how to use the industrial and commercial horoscope credit card and how the industrial and commercial horoscope credit card is. I wonder if you found the information you need?