How to repay with ICBC credit card

The repayment method with ICBC credit card is as follows:

1. WeChat repayment:

(1) Open WeChat (Apple 12, ios14, WeChat version 8.0.13), click "My" in the lower right corner;

(2) Click "Pay" - "Credit Card Repayment";

(3) After entering, just follow the prompts to make repayment.

2. Alipay repayment:

(1) Open Alipay (Apple 12, ios14, Alipay version 10.2.3), click "More";

(2) Find "Credit Card Repayment" in Convenient Life and click to enter;

(3) Then click "Repayment" - "Repay Credit Card";

(4 ) Just follow the prompts to make repayment.

3. ATM machine repayment:

Just transfer the money from the debit card to the ICBC credit card through the ATM machine.

4. Counter repayment:

Go to an ICBC branch with your credit card, ID card, debit card or cash, and handle credit card repayment at the counter.

Extended reading

ICBC credit card is the credit card with the highest circulation in China. The main types of ICBC credit cards include: Peony International Credit Card, Peony Credit Card, and Peony Credit Card; according to ICBC Credit card brands are divided into: Peony Visa, Peony MasterCard and Peony Express Card; according to the credit level, they are divided into: platinum card, gold card and ordinary card; according to the issuing objects, they are divided into business cards and personal cards, of which personal cards are divided into Main card and secondary card.

The Peony quasi-credit card is issued by the Industrial and Commercial Bank of China. The cardholder deposits a certain amount of reserve as required. When the reserve account balance is insufficient to pay, it is a quasi-loan that can be overdrafted within the prescribed credit limit. Credit card. The Peony quasi-credit card can be used for settlement in RMB at UnionPay acceptance points in China, Hong Kong, China, Macau, Thailand, South Korea, Singapore and other countries, and has functions such as transfer settlement, cash deposits and withdrawals, and credit consumption. This Peony quasi-credit card is a quasi-credit card with Chinese characteristics. There is no precedent in other countries in the world. The emergence of this quasi-credit card is a reflection of China's imperfect credit system. Peony quasi-credit card has been discontinued. Peony credit cards and Peony international credit cards that truly meet the needs of the public are the direction of development.

Instalment payment

Instalment payment with ICBC credit card means that when the cardholder uses the credit card to make large purchases, ICBC pays the merchant a one-time payment for the goods purchased by the cardholder (or Service) consumption funds, and according to the cardholder's application, the consumption funds will be deducted from the cardholder's credit card account in installments, and the cardholder will repay according to the monthly account amount.

Most domestic banks have credit card installment services. Installments are generally divided into shopping mall (POS) installments, "mail order installments" and bill installments conducted through the Internet, mail, etc. depending on the occasion.

How to repay with ICBC credit card

ICBC provides you with a variety of repayment methods. If you owe money in RMB, you can repay in any of the following ways according to your personal circumstances:

1. Repay after logging in to ICBC e-Life, ICBC e-Bank (mobile banking), and online banking. When operating through the credit card repayment function, the payment account must be: an electronic banking account registered at the counter (including cards and current multi-currency passbooks) and an online banking interconnected account.

2. Sign up for automatic repayment. Automatic repayment can be signed through ICBC e-Life, ICBC e-Bank (mobile banking), online banking, telephone banking and other channels.

3. Deposit or transfer repayment at self-service machines or business outlets.

4. Remittance and repayment from other banks and third-party payment institutions. Different banks and third-party institutions may have different arrival times for repayment funds. Please inquire with the transfer bank and third-party payment institution for details.

(Answer time: April 21, 2022. In case of business changes, please refer to the actual situation.

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How to repay by ICBC credit card

1. There are the following repayment methods for ICBC credit cards:

Repay by online bank transfer. You only need to log in to the bank's website to deduct money from your savings account through online banking and transfer repayment. (Banks generally require the online banking functions of debit card (savings account) and credit card to be opened in advance, and the two cards must be linked before operation.)

Telephone banking transfer repayment. By calling the bank's 24-hour customer service hotline, you can transfer and repay from your debit card or savings account through telephone banking. (Please activate the phone banking function in advance and associate it with your credit card.)

Repay via automatic teller machine (ATM) transfer. You can transfer funds between credit cards of the same bank through bank branches or ATMs in 24-hour self-service banks. The maximum daily transfer limit is approximately 5,000 yuan. (Because according to the regulations of some banks, the money you transfer through ATMs does not arrive immediately, so it is recommended to make the repayment 2-3 days before the final payment date to avoid unnecessary overdraft interest and late payment fees. )

Cash repayment over the counter. Go to the counter of any bank branch to make RMB cash repayment. All funds are credited instantly.

1. What are the benefits of credit cards?

The following points are listed below: Credit cards do not require guarantees and mortgages, and you can consume first and repay later. Cardholders who use bank funds to swipe their cards for consumption can enjoy the interest-free period as long as they repay the amount in full before the due payment date. Credit cards have powerful installment functions. They can not only buy appliances and cars in installments. Credit cards can also apply for cash installments, that is, apply for a large sum of cash and repay it in installments. Credit card purchases can accumulate points according to rules, and cardholders can use the points to redeem various point gifts. Credit card discount merchants are located all over the country, and they often hold various discounts, draws and other promotional activities. International credit cards with the logos of VISA, MasterCard, JCB, American Express, etc. can be used for overseas purchases, and can also be used for convenient shopping on foreign websites.

2. What is the repayment mechanism for using the card?

Credit card repayment mechanism. Credit card repayment refers to the period from the statement date to the repayment date. If the credit card credit reaches the bill amount, the bank will consider you to have paid off all the bills. For example: Xiaoqiang’s bill date and repayment date are better on the 5th and the 20th. On the 5th, the bill came out and required a repayment of 8,000 yuan. On the 6th, Xiaoqiang had 4,000 yuan on him. He paid it back to the credit card first, so the remaining repayment on his bill was 4,000 yuan. On the 8th, he went shopping with his friends and spent 3,000 yuan on his credit card. At this time, the amount that Xiaoqiang needed to repay on the card on the 20th was still 4,000 yuan, not 7,000 yuan, because he had to repay the bill on the repayment day. Just for the previous bill, the record of his consumption on the 8th will not be available until the 5th of next month. There is no need to repay this month. Now he only needs to repay before the 20th

That’s it for the introduction of how to repay industrial and commercial credit cards.