Advantages and Disadvantages of ICBC World Struggle Credit Card

ICBC World Struggle China Great Credit Card enjoys the following benefits:

1. Enjoy a 3-day repayment grace period;

2. Free of foreign exchange fees;

3. Free account security lock;

4. Bind WeChat and JD Pay to enjoy points;

5. As of December 31, 2022, you can enjoy exclusive discounts when booking the world's 7 major parks with a Mastercard brand card, get up to 55 cash back when making transactions on overseas shopping cashback platforms, and enjoy two-for-one free buffets at star-rated hotels , Agoda booking accommodation discount;

6. As of May 29, 2022, enjoy a 199 yuan teeth cleaning package;

7. As of December 31, 2022, enjoy 3-for-2 benefits at Banyan Hotels and Resorts, and up to 15% off on passes to popular tourist cities around the world;

8. UnionPay Platinum Card exclusive airport and high-speed rail VIP services, including 2 times of 1 yuan personal service, and 1 time 6.2 yuan service for three people (limited to the person and up to two accompanying guests), enjoy 2-hour or 48-hour parking service at 1 yuan at designated domestic airports;

9. Log in to the ICBC e-Life App and search for "In-app Purchase "Exclusive", you can enjoy the in-app purchase experience at the venue with the exclusive in-app purchase code "fdbkng".

(Answer time: January 13, 2022. In case of business changes, please refer to the actual situation.)

Is the Industrial and Commercial Bank of China Endeavor Card Gold Card worthwhile?

Cost-effective.

The limit of ICBC Struggle Gold Card is generally within 50,000 yuan. If you already have a credit card or loan from ICBC and are a five-star customer, your limit is 100,000 yuan. The benefits of the Struggle Gold Card include:

1. There is a 3-day grace period for repayment. If the user accidentally forgets to repay, repayment within these three days will be deemed to be repayment on time, and no penalty interest will be charged. Included in the credit report;

2. After successfully applying for the Struggle Card, the annual fee will be reduced or waived during the validity period;

3. Cardholders will not be charged foreign exchange fees when spending overseas. However, only countries or regions corresponding to 10 foreign currencies are exempt from handling fees, namely US dollars, euros, Hong Kong dollars, Swiss francs, New Zealand dollars, British pounds, Australian dollars, Japanese yen, Singapore dollars, and Canadian dollars;

4. Support personal credit consumption loans, points, POS, counter, online banking and other services;

5. After due repayment, if the cardholder’s unpaid amount is less than or equal to 10 yuan, then deemed to have been repaid in full.

What are the disadvantages of ICBC’s annual fee-free credit card (Struggle Card)?

The points required to redeem gifts are high and the types of gifts are small.

The difference between the ICBC Endeavor Card and other ICBC credit cards is that the annual fee is directly waived during the validity period, so there is no annual fee burden when applying for the ICBC Endeavor Card. Like other ICBC credit cards, the annual fee must be reduced if the card consumption reaches the standard, but the Endeavor Credit Card does not need to do this, and the annual fee is waived directly.

Extended information:

Notes on using the ICBC Struggle Card:

Because the credit card itself has no money, withdrawing cash with the credit card is equivalent to borrowing money from the bank. The interest is very high and is calculated on a daily basis (for specific interest calculation methods, please contact the card issuing bank). Don’t withdraw cash as a last resort.

If you fail to repay the minimum repayment amount on your credit card when it expires, not only will high interest be deducted, but your personal credit record will also be affected. If you want to apply for a loan from a bank or apply for some personal credit related matters in the future, Things are worse.