ICBC’s “Universal Financing” Credit Card is mainly open to full-time college students over the age of 18. It helps college cardholders establish local personal credit records while studying abroad and better enjoy local financial services. So what are the benefits of the Universe Installment Credit Card?

What are the benefits of the Universe Financing Credit Card?

(1) The "Universe Financing" card is a gold-level card that waives annual fees for cardholders during the validity period of the card.

(2) Cardholders who repay in full before the repayment date listed on the bill can enjoy an interest-free period, with a minimum of 25 days and a maximum of 56 days.

(3) The cardholder provides a 3-day repayment grace period service. When the cardholder pays off the due amount within 3 days, it is deemed that the cardholder has repaid the loan on time.

(4) After opening the card, you will receive a cash coupon worth 500 yuan, 300 yuan, and 68 yuan from the installment store for any purchase; 8 yuan for phone calls, and a 12 yuan phone recharge coupon.

(5) After opening the card, you will receive a RMB 600 interest-free coupon for cash withdrawal from the "Fenqi Le Mall" Le Card, and a RMB 2,000 interest-free trial bonus from the "Fen Qi Le Mall" Le Card for credit card repayment.

(6) Card holders can receive one-month free premium experience as a Youku video VIP member or iQiyi VIP member at Silver e Life, and users can choose the brand independently on the video platform.

Although the Universe Financing Credit Card is a gold-level credit card, the specific issuance and credit limit must be reviewed by the local ICBC agency.