Detailed introduction to ICBC’s customized installment credit card

The customized installment credit card is a personal credit card launched by ICBC for high-quality personal housing mortgage loan customers.

You can enjoy the following special services by using this card:

1. High limit: Exclusive credit for installment consumption, with a maximum limit of 800,000;

2. Term Long: The installment period is up to 5 years, and for some high-quality customers, it can be up to 8 years;

3. Lower starting amount: The starting amount of installment is RMB 100 or the corresponding foreign currency;

4. Automatic installment, convenient and fast: successful consumption can be converted into installment payment;

5. Personal customization, as you like: the number of installments can be adjusted by yourself, and different customized installments can be set for different consumption amounts Issue number. ICBC's customized installment credit card

With ICBC credit cards, you can apply for a single installment payment service for purchases of more than 600 yuan. Is there an annual fee for ICBC's customized installment credit card?

1. The annual fee policy of most banks has not changed. Generally, the annual fee for standard credit cards is around 100 yuan, while the annual fee for gold cards is generally 200 yuan. Or 300 yuan. The annual fee for a single-currency card is lower than that for a dual-currency card. The annual fee for supplementary cards is generally half the annual fee for the main card.

2. However, the annual fee standards for credit cards of various banks will vary depending on the card. For example, the annual fee for Shanghai Pudong Development Bank's standard credit card is 180 yuan for the main card and 90 yuan for the supplementary card; the annual fee for the gold card is 360 yuan for the main card and 180 yuan for the supplementary card; and the annual fee for the Pudong Development Bank Shanghai Airlines co-branded card is 360 yuan; as for the Pudong Development McDull series The credit card also displays the sign of “no annual fee for life”. Therefore, even if credit cards are issued by the same credit card center, the annual fee standards will be very different. Cardholders should first ask how high this "potential cost" is when applying for a card. Can the limit of ICBC’s customized installment credit card be increased?

The limit of ICBC’s customized installment credit card can be increased.

The following are tips for increasing your credit limit, for reference only:

1. The frequency of credit card swiping is high.

In daily life, it is best to develop the habit of swiping your card whenever you can. On the one hand, you can use the bank's interest-free period for free, adding a little extra financial income to yourself. On the other hand, you have also become a bank virtually. Active users of the bank usually have quota rewards for active users of the bank.

2. Continuous and stable consumption for a long time.

Banks generally have a limit increase strategy for credit cards that have been cardholders for more than 1 year and have transactions in each billing month. For these customers, banks will usually take the initiative to increase the limit. If the customer takes the initiative to apply For a permanent limit increase, the chance of approval by the bank is relatively high.

3. Frequent cash withdrawals and frequent credit card installments.

Cardholders who frequently withdraw cash from credit cards have a very high risk factor for the bank, but at the same time, cardholders who withdraw cash also contribute the most to the bank; the risk for installment users is relatively low. But the contribution is not low. Therefore, for credit cards that mainly rely on interest and intermediary business as a means of generating income, cash withdrawal and installment users are the favorites of banks. When applying for a limit increase, the relative success rate will be very high.

4. The consumption amount is high.

Banks usually define these cardholders as high-quality customers who make large purchases from time to time and can repay the repayments normally later. Banks will increase the credit limit as appropriate after judging whether the cardholders have larger demand for the amount. . What is the ICBC Auto Installment Credit Card?

It is recommended to go directly to the bank counter to inquire and apply for this business. Local branches can accept this business.

At the same time, please remember to bring the corresponding supporting documents: ID card/mobile phone/bank card

If you have specific information that you do not understand, you can call the customer service hotline of the Industrial and Commercial Bank of China first: 95588 Detailed introduction to China Merchants Bank’s credit cards

Annual fee-free policy: Swipe the Gold Card 6 times to waive the annual fee for the following year (MSN package card, VISA-MINI card, VOGUE titanium card, NBA credit card ( (Those applied before April 2008), Platinum Cards, and Unlimited Cards do not enjoy this annual fee exemption. Business credit cards need to be implemented in accordance with the agreement)

Cash withdrawal fee: Domestic based on the amount of each cash advance transaction 1% of the amount, with a minimum charge of RMB 10 yuan/transaction (from January 2009). Overseas, it is 3% of the amount of each cash advance transaction, with a minimum charge of USD 3 yuan/transaction or RMB 30 yuan/transaction (charged if there is a cash withdrawal, otherwise Different locations in the same city) [1]

The longest interest-free period: up to 50 days. The final repayment date is 18 days after the bill date.

Multi-account management: enjoy daily average bill repayment limit.

Online payment: Alipay: Single transaction limit is 499.99 yuan. Taobao credit card payment function is not limited by amount. The maximum credit card limit for a single day (other websites depend on the limit of each merchant)

Installment business: (excluding credit limit) supports interest-free installments (3, 6, 12) for specific merchants. Bill installments are supported. The minimum bill installment amount is 1,000 yuan and does not exceed 80% of the credit limit. You can apply by phone or online banking from the day after the bill date to two days before the final repayment date.

Billing date: The 5th, 7th, 10th, 12th, 15th, 17th, 20th, 22nd, and 25th of each month is the billing date, and the cardholder can change it every six months.

Card types: regular card (limit of 3,000-10,000 yuan), gold card (limit of 10,000-50,000 yuan), platinum card (limit of more than 50,000 yuan)

Coin Category: Introduction to various ICBC credit cards in RMB and RMB/USD

Log in to the ICBC website--Credit Card--I want to apply for a card--Card World ICBC Credit Card Introduction Letter

You said The letter of introduction should be proof of income. The bank has a special format. You can ask for a copy, or you can print one yourself on A4 paper.

Proof of income

This is to certify*** I am a formal employee of our company, with an annual income of *** yuan, and an ID card of *****, hereby certify

Stamped with the official seal of the company

Year, month, day, picture of China Merchants Bank kt cat credit card and Details?

You can open the following link to view China Merchants Bank credit cards::.cmbchina./product/cardlist.aspx?keyword=kitty.