superiority
1. Compared with ordinary bank savings cards, the most convenient way to use credit cards is for ordinary consumption, and there is no cash in the cards. In many cases, it is only necessary to return the consumption amount on time.
2. You can spend money without overdraft, enjoy an interest-free period of 20-56 days, and pay back on time without any charge (most banks will charge 0.5% interest on the day of cash withdrawal, and there will be a 2% handling fee, but ICBC will only charge interest).
3. It is not only safe and convenient to swipe your card when shopping, but also a bonus gift.
Special merchants who hold cards in banks can enjoy preferential treatment.
Accumulate personal credit, add credit records to credit files, and benefit for life.
4. Access to the whole country is barrier-free, and you can withdraw money or swipe your card at ATMs and POS machines with UnionPay logo; (Note: Credit cards are only suitable for credit card spending. It is best not to withdraw cash, which is expensive and uneconomical. )
5. Credit card spending, extracting existing points from some credit cards, and various discounts and lottery activities throughout the year, so that you can always have surprises as long as you use the card; (Most credit cards have no points for online payment, but online payment is very convenient and fast. )
6. Mail the statement free of charge every month, so that you can grasp every consumer expenditure transparently; (Now advocating environmental protection, you can cancel the paper statement and change it into an electronic statement. )
7. Unique supplementary card function, suitable for husband and wife to jointly manage money or master children's financial expenditure.
8. The free choice of one card and two currencies is popular all over the world, and consumption abroad can repay in RMB.
400 telephone or 5-digit short number prefixed with "9" provides 24-hour service, and the report of loss takes effect immediately, with zero risk of card loss.
9. Possession period: It is known that domestic credit cards are generally valid for three to five years.
Use the third-party platform (the domestic platform supporting credit card bill management is mainly Jujindou) to conduct business cooperation and provide preferential services for cardholders.