Credit card spending. It should be noted that credit information records the borrowing and repayment of credit cards, not the consumption records of credit cards. In addition, the normal credit card loan repayment information has no influence on personal credit, which is the proof of personal credit. Only the credit card overdue repayment record will have a bad influence on personal credit, so don't be nervous.

Compared with ordinary bank savings card, the most convenient way to use credit card is to make ordinary consumption, and there is no cash in the card. In many cases, it is enough to return the consumption amount on time.

You can spend without deposit overdraft, and enjoy an interest-free period of 20-56 days to repay 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).

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.

Access to the whole country is barrier-free, and you can withdraw money or spend money by credit card on ATM and POS machines with UnionPay logo; (Note: Credit cards are only suitable for credit card spending, and it is best not to withdraw cash, which is very expensive and uneconomical).

Credit card spending, some credit cards get existing points, 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 pay online without points, but online payment is very convenient and fast.

Mail the statement free of charge every month, so that you can grasp every consumption expenditure transparently; (Now advocating environmental protection, you can cancel the paper statement and change it to electronic statement).

Unique supplementary card function, suitable for husband and wife to jointly manage money or master children's financial expenses.

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.

Validity period: It is known that the validity period of domestic credit cards is generally 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.