1. Bank credit card is the credit card with the highest circulation in China. At present, the main types of ICBC credit cards are: Peony International Credit Card, Peony Credit Card and Peony Credit Card. ICBC credit cards are divided into: Peony Visa Card, Peony MasterCard and Peony American Express Card by brand; According to the credit rating, it is divided into: platinum card, gold card and ordinary card; According to the issuing object, it is divided into business cards and personal cards, in which personal cards are divided into main cards and auxiliary cards. Peony quasi-credit card is a quasi-credit card issued by Industrial and Commercial Bank of China. Cardholders deposit a certain amount of reserve fund according to regulations, and when the balance of the reserve fund account is insufficient to pay, they can overdraw within the prescribed credit limit. Peony quasi-credit card can be settled in RMB at UnionPay acceptance points in China, Hongkong, Macau, Thailand, South Korea, Singapore and other regions, and has the functions of transfer settlement, cash deposit and withdrawal, credit consumption and so on. This peony quasi-credit card is a quasi-credit card with China characteristics, which has no precedent in other countries in the world. The appearance of this quasi-credit card is a reflection of the imperfection of China's credit system. Peony quasi-credit card has stopped issuing. Peony Credit Card and Peony International Credit Card, which truly meet the needs of the public, are the development direction.
2. Peony Credit Card is a credit card issued by Industrial and Commercial Bank of China, which gives the cardholder a certain credit limit, within which the cardholder can spend first and then repay. The credit card adopts the circulating credit transaction mode, and overdraws consumption within the credit limit. If you repay in full before the due date, you can enjoy the interest-free repayment discount. Peony Credit Card can be used at UnionPay acceptance points in China, Hongkong, Macau, Thailand, South Korea, Singapore and other regions, and settled in RMB, with functions of transfer settlement, cash deposit and withdrawal, credit consumption and so on. Peony Credit Card is a credit card issued by Industrial and Commercial Bank of China, which is limited to RMB credit cards used in People's Republic of China (PRC). Settlement in RMB, with credit consumption, transfer settlement, cash deposit and withdrawal and other functions. Peony credit cards are divided into business cards and personal cards according to different card issuers; According to different credit ratings, it is divided into gold cards and ordinary cards.
In March and June, 1989, 1, ICBC decided to issue credit cards uniformly. 1Feb. 989, ICBC decided to use "Peony" as the name of ICBC's credit card. Peony flowers are beautiful, rich and auspicious, expressing good wishes to cardholders. The status of "King of Peony Flowers" symbolizes the prospect of "the crown of Peony Kaka" and expresses the courage and confidence of ICBC people who are determined to win the championship. The first peony card is based on dark copper color, with gold-plated peony flowers, elegant and elegant, and the style is atmospheric; The main functions include credit consumption, cash deposit and withdrawal and transfer settlement, which are divided into gold card and silver card. 1989 65438+1October 15, ICBC officially issued peony credit cards in Beijing, Tianjin, Shanghai and Guangzhou; About 15 days later, the first cardholder's signed consumption bill returned to Beijing Branch, declaring the Peony Card successful. With the introduction of peony card, the red cotton card as a local credit card has gradually transformed into peony card.