What is an ICBC card?

ICBC card is a bank card issued by Industrial and Commercial Bank of China.

ICBC card is a bank card issued by Industrial and Commercial Bank of China, which can be divided into savings card and credit card. Deposit cards save money first and then spend it, and can be used for financial investment, but they do not have an overdraft function. Credit cards have a certain credit limit and can be overdrafted.

ICBC cards are mainly divided into two types, one is debit card and the other is credit card. Deposit cards mainly provide bank card services for customer deposit and withdrawal functions, which can be used for cash withdrawals, transfers, investment and financial management. Deposit cards are divided into different types of cards, including Peony Money Link e-card, and Peony Money Link e-card. Times Bank Card, Peony International Debit Card, Elite Club Account Bank Card. Different from credit cards, credit cards have a certain amount of overdraft. The bank determines the amount of overdraft based on the assessment of the applicant's credit profile. There is also an interest-free period of up to 56 days. At the same time, credit cards are divided into many different sub-categories, including Peony Platinum Card, Peony Express Card, Peony International Credit Card, Peony Credit Card, etc.

The bank cards issued by the Industrial and Commercial Bank of China are uniformly named Peony Cards. Peony Credit Card is issued by the Industrial and Commercial Bank of China (including relevant branches of the Industrial and Commercial Bank of China, hereinafter referred to as the card issuer), and gives the cardholder a certain credit limit. The cardholder can pay first and then repay within the credit limit, and has consumption, transfer settlement , credit payment tools with functions such as depositing and withdrawing cash.

About ICBC

Industrial and Commercial Bank of China, abbreviated as ICBC, was established on January 1, 1984. The head office is located at No. 55 Fuxingmennei Street, Beijing. It is a large state-owned bank managed by the central government and a national deputy ministerial level unit. The basic mission of ICBC is to raise social funds through domestic and foreign financing activities in accordance with national laws and regulations, strengthen credit fund management, support enterprise production and technological transformation, and serve my country's economic construction.

ICBC’s three-dimensional electronic banking service system consisting of self-service banking, telephone banking, mobile banking and online banking has become increasingly mature. The transaction volume of electronic banking business has grown rapidly, from 1.93 trillion yuan in 2000 to It was 38.4 trillion yuan in 2004, an increase of 20 times. In 2004, the revenue from electronic banking business was 235 million yuan, and the online payment transaction volume was 5.7 billion yuan. It is the largest e-commerce online payment service provider in China.

What types of ICBC credit cards are there?

The credit cards issued by the Industrial and Commercial Bank of China are uniformly named Peony Cards.

According to specific purposes, they are classified as:

1. According to the brand, they are divided into Peony UnionPay Card, Peony Visa Card, Peony MasterCard, Peony Express Card, Peony JCB Card and other brand cards. .

2. According to the issuance objects, it is divided into corporate (business) cards and personal cards. Personal cards are divided into primary cards, secondary cards, and supplementary cards attached to the primary card (secondary card).

3. According to the repayment responsibility, it can also be divided into corporate responsibility business cards, company responsibility personal cards, and personal responsibility personal cards.

4. According to the credit level, it is divided into platinum card, gold card and ordinary card.

5. According to the account currency, it is divided into RMB card, dual currency card and multi-currency card.

6. According to whether they are co-branded (identified), they are divided into co-branded (identified) cards and non-joint-branded (identified) cards.

7. According to the information carrier, they are divided into magnetic stripe cards, chip cards and magnetic stripe chip composite cards.

Extended information:

Features:

1: Fully realize paperless transactions.

Most of the bills and documents used in the past were replaced by electronic checks, electronic money orders and electronic receipts; the original banknotes were replaced by electronic money, that is, electronic cash, electronic wallets, and electronic credit cards; the original paper The mailing of quality documents becomes transmitted through the data communication network.

2: The service is convenient, fast, efficient and reliable.

Through online banking, users can enjoy convenient, fast, efficient and reliable all-round services.

You can use online banking services whenever you need them, without being restricted by time or region, that is, realizing 3A services (Anywhere, Anyhow, Anytime).

3: Low operating costs.

Because online banks adopt virtual reality information processing technology, online banks can reduce the number of business points without reducing the original business volume.

4: Simple and easy to use.

The online E-mail communication method is also very flexible and convenient, which facilitates communication between customers and banks as well as within banks.

Online banking has many advantages over traditional banking.

First, it greatly reduces bank operating costs and effectively improves bank profitability.

Opening online banking business mainly uses public network resources without setting up physical branches or business outlets, which reduces personnel costs and improves the efficiency of the bank's back-end system.

Second, there is no time and space limit, which is conducive to expanding the customer base.

Online banking business breaks the geographical and time restrictions of traditional banking business and has 3A characteristics, that is, it can provide customers with financial services at any time (Anytime), any place (Anywhere), and in any way (Anyhow) services, which is not only conducive to attracting and retaining high-quality customers, but also proactively expanding the customer base and opening up new sources of profit.

The third is conducive to service innovation and providing customers with various types of personalized services.

Sales of financial products such as insurance, securities and funds through bank branches are often greatly restricted, mainly because it is difficult for general business branches to provide customers with detailed, low-cost information consulting services. Using the Internet and bank payment systems, it is easy to meet customers' needs for consulting, purchasing and trading a variety of financial products. In addition to handling banking services, customers can also easily buy and sell stocks and bonds online. Online banking can provide customers with more suitable services. Personalized financial services.