ICBC is a state-owned enterprise. China Industrial and Commercial Bank is a state-owned bank, which is a large bank directly managed by the Ministry of Finance. It is also one of the four largest banks in China, with a relatively strong customer base. Its main operation mode is to unify the management system of commercial banks authorized by legal persons, and its main goal is to achieve development and stability and improve economic benefits.

ICBC can provide 24-hour online telephone service. If you have any questions, you can call online customer service at any time to solve them. But also provides electronic and paper reconciliation services, which can bring great convenience to customers.

The advantages of ICBC credit card are:

1. Interest-free day. The longest interest-free days of ICBC reach 56 days, so you can provide more days for your repayment.

Second, SMS reminder. When handling credit card customer service in ICBC, if the arrears on your card are due, the system will send a free text message to remind everyone to repay in time. In order to avoid being too busy to pay back the money, there will be more overdue fines on the bill.

Third, it can be repaid automatically. ICBC has its own software, on which you can set which card to use to automatically return when the credit card expires, so that you don't have to go to the bank to deposit money and pay back the money, just bind it directly with the savings card.

Fourth, enjoy the points. When credit card consumption will save points for customer service, points can be used for consumption and shopping, so when everyone has enough points, they can collect items according to points on the network software platform.

Five, provide 24-hour service telephone. All questions about ICBC have a 24-hour service telephone number. When you have questions about ICBC, you can call the manual service number.

Does ICBC Dalai love to buy credit cards?

The "good" of a credit card is relative. If you are a shopaholic and often go shopping in Dalai, this card is suitable for you.

How about ICBC credit card?

Advantages of ICBC:

1 Local cash withdrawal fee is unconditionally free (unique)

2 Cash withdrawal, cash installment and credit loan fees/interest are the lowest (at least one), which does not affect the cash withdrawal amount. In some areas, fees can be charged by stages, and no subsequent fees will be charged after prepayment, and there is no penalty interest. Cash installment can be cancelled on the same day.

2. The minimum repayment amount is not full penalty interest (only once)

3 The starting point of bill installment is low (the total amount of RMB bill exceeds that of 600 yuan), and the handling fee is low.

4 long interest-free period (up to 56 days)

Free SMS reminder (for financial customers, some areas provide 5-star service)

6 There are basically no sales calls, few risk control calls, and a large number of credit cards are brushed, and the risk control is almost the loosest.

Starting from the second card, cards of the same level can choose independent accounts or multiple cards can share accounts. The latter is similar to China Merchants Bank system, and accounts are shared. However, the annual fee waiver of each card in China Merchants Bank system must be counted separately. For example, 10 unionpay gold card must be swiped 6 times to avoid the annual fee, while ICBC can avoid the annual fee as long as 10 card is swiped 5 times. The same is true for platinum cards (only one, and so are other banks).

8. All the cards that have been downloaded are approved in batches of 100% seconds, 100% will not be checked for credit information, and 100% will not be published in newspapers. (only one)

9. The annual fee-free Platinum Card will be launched from time to time (during the promotion period of the Diner Platinum Card, the annual fee will be exempted during the validity period, and the next single-label Platinum Card will be unconditionally exempted. Many regions have applied for global annual fee-free platinum cards. In some regions, the annual fee of platinum cards can be exempted by purchasing financial applications, and all platinum cards can enjoy VIP services at airports and high-speed rail for unlimited times.

10 You can apply for manual cash withdrawal at least once a month from the card opening. After the recommended limit of the system is exceeded, the withdrawal range of low-value cards is often 5-10 times, and the withdrawal range of tens of thousands of cards is often 1W to several w.

1 1 Some types of cards are opened during the promotion period (about one year), and the annual fee is free for life.

12 convenient for instant repayment of consumption. At this time, you can manually purchase foreign exchange for repayment.

There are three kinds, which are advantages for some people and disadvantages for others, depending on the demand.

According to the standard of 1, all currency conversion fees for universal multi-currency cards are free. 10 currency is recorded in local currency and can be repaid directly (if it is a dual-currency card with US dollars, I obviously have pounds, so I have to convert pounds into US dollars when I swipe my card, and then buy US dollars to repay it, which will lead to two exchange rate losses, so multi-currency cards can be repaid directly in pounds without any exchange rate losses), and the repayment of foreign exchange purchases is not subject to real.

The repayment order is interest first, then interest-free, that is to say, cash withdrawal first, then bill.

3 The withdrawal amount mainly depends on the stability of work income, assets (and liabilities), and the protection fee is not very important for cards with at least 10W. Except in a few areas, it is not difficult to withdraw money from 20W to 10W, and it is not difficult to withdraw money from 10W to 5W. Even if it is only a few hundred per month, most of them are paid online at 0.38.

Do you know the advantages and disadvantages of ICBC credit cards? I don't know. Come in and have a look!

At present, the four major state-owned banks, namely Bank of China, Agricultural Bank of China, Industrial and Commercial Bank of China and China Construction Bank, have issued more than 1 100 million credit cards. Many cardholders have credit cards from these banks. ICBC credit card is the bank with the largest number of cards issued, and credit cards are sought after by many cardholders. But have you carefully analyzed the advantages and disadvantages of ICBC credit cards? Let me analyze the advantages and disadvantages of ICBC credit cards for you!

ICBC Credit Card has the following advantages:

1, good card. As long as there is no problem with the credit record and the credit report is not too messy, it is not difficult to put a few thousand cards after swiping the star.

2. The installment rate is low. The annual installment interest rate for many years is less than 4%, except for a few banks that can be lower than this interest rate when doing activities. The installment interest rate of other banks is at least twice that of ICBC.

3. There is no handling fee for withdrawal. No handling fee is required for cash withdrawal at local ICBC, whether it is overflow deposit or credit card limit. Although I don't recommend you to withdraw cash, under special circumstances, ICBC's credit card withdrawal can be exempted from handling fees.

But the shortcomings of ICBC are also obvious:

1, it is not easy to raise the amount. For the rich, it is quite easy to raise the amount. You can raise 200,000, 500,000 and 654.38+00,000 in a short time, as long as you have assets. However, for most cardholders, there is almost no hope to increase the quota. Those skills of using credit card to raise the amount are not applicable in ICBC, unless ICBC takes the initiative to raise the amount, the low amount can be raised by one liter, and it is difficult to break through 565,438+10,000. This year, many card friends in many areas raised the amount through tax payment and provident fund, but now it has been closed, and some card friends' quotas have been reduced again. It is uncertain whether ICBC will open a similar financing channel in the future.

2. There are few activities. ICBC basically has no activities, unlike other banks, which often have preferential activities such as shopping discounts and cash back, and there are fewer types of merchants who can get ICBC points than other banks. Only some merchants with past rates of 0.78 and 1.25 have points.

The above is my analysis of the advantages and disadvantages of ICBC credit cards.

How about ICBC credit card and Kapu card?

It's good.

1, ICBC credit card diners love to buy a Kapu card, and the relevant procedures are complete, which is very good.

2. ICBC credit cards love to buy cards, with many functions and powerful functions.

This concludes the introduction of how ICBC likes to buy credit cards and how ICBC likes to buy credit cards. I wonder if you have found the information you need?