How to apply for the ICBC Peony Student Card?
The Peony Student Card is a credit card for college students. You will definitely not be able to apply for it.
If you need a debit card, you can bring your ID card directly to the branch counter to apply for cash withdrawal.
If you need a credit card, you can consider the following two options:
(1) Your parents apply for a main credit card, and you apply for a supplementary card
(2) ) To apply for ICBC’s newly launched Pig Fortune Card, you are eligible for the 10-yuan low-limit Happy Pig Fortune Card. Details are as follows:
You can go to your local ICBC branch to receive the application. Complete the form and submit it together with supporting materials to our branch or local card issuing agency. For specific application details, you may consult local 95588.
(1) The basic materials required to apply for the 10-yuan “Happy Pig Fortune” card are a copy of the applicant’s identity document and a completed application form that meets the requirements. For persons under 16 years of age, if a copy of the ID card cannot be provided, a copy of the household registration book must be provided, which must include the applicant's information and ID number.
(2) The basic requirements for applying for a normal-amount "Happy Pig Fortune" card are:
All card applicants must meet the basic conditions for card issuance: be over 18 years old, have A natural person with full capacity for civil conduct. Their work unit or fixed residence must be in the location of the card issuer, and their income must be stable and above the local average level.
The basic materials that need to be provided are: a copy of the identity document and a completed application form that meets the requirements.
Applying for this card is different from applying for a debit card. You will not receive the card immediately after submitting the application materials. You need to wait for the local card agency to issue the card. Please contact local 95588 for specific card collection methods.
If you provide complete application information, you can fill in our standard application form. After approval, you will get a card with the corresponding amount; if you are temporarily unable to provide complete application information, you can fill in our simple application Form, after approval, you will get a card with a limit of 10 yuan and a card type of Peony Credit Card. You can then deposit and use it for consumption. After accumulating a certain good consumption card record, our bank will improve your credit according to the standards. Quota. If you successfully apply for the "Happy Pig Fortune" card before February 6, 2008, you will enjoy a direct discount on the first year's annual fee.
What are the advantages of the Industrial and Commercial Peony Student Card and other credit cards (also student cards)?
Hello, currently the only Peony Card launched by the Industrial and Commercial Bank of China for college students and graduate students is "Peony Student Card" is an international credit card.
The functions of the Peony student card and the services that cardholders can enjoy are as follows:
Smooth access to academic resources: deposits in other places, local withdrawals, eliminating the trouble of carrying cash, and free of charge Handling fees for off-site deposits and local cash withdrawals.
Annual fee discount: The annual fee for the first year is waived. If you swipe the card three times or spend 3,000 yuan or more, the annual fee for the next year will be waived.
Overseas payment: To pay examination fees incurred overseas, you can use RMB to purchase foreign exchange for repayment.
Credit report: Industrial and Commercial Bank of China will issue a credit report for student cardholders with good credit records.
Financial service functions: It can be used at more than 18,000 ICBC branches across the country, more than 18,000 ATMs, and POS and ATMs with the UnionPay logo.
More services:
★One card with two currencies, universally accepted;
★Has the functions of credit consumption, transfer settlement, cash deposit and withdrawal, etc.;
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★ Overseas consumption, domestic RMB repayment;
★ Automatic account repayment can be agreed;
★ Provides revolving credit and interest-free repayment for up to 56 days Period;
★ Online shopping at home and abroad;
★Free real-time SMS balance change reminder function;
★Can be purchased overseas with “VISA” and Used at authorized merchants and ATMs with the "MASTERCARD" logo.
For more information about the different types of Peony cards issued by ICBC, you can log on to the ICBC website () and go to "Bank Cards" at the top of the homepage to learn more.
What is the limit of the ICBC Peony Credit Card?
The limit of the ICBC Peony Credit Card is related to the specific card type. As a quasi-credit card, the Peony Credit Card has a fixed limit. The limit is RMB 10,000 for gold cards and RMB 5,000 for regular cards, while the limits for Peony RMB credit cards and Peony international credit cards for regular cards range from 0 to 50,000 yuan. It is determined by the ICBC Credit Card Center based on the assessment results of the cardholder's solvency.
Generally speaking, the materials submitted when applying for a credit card can improve the bank's credit evaluation of the cardholder and increase the initial limit of the credit card.
Extended information:
Peony cards are divided into Peony credit cards and debit cards according to whether they have consumer credit functions. Peony credit cards are divided into Peony credit cards according to whether they enjoy an interest-free repayment period. and Peony quasi-credit cards;
Debit cards are divided into Peony Money Link cards according to their functions and scope of use (Peony Money Link cards are divided into Peony Money Link cards/Elite Financial Management Accounts according to different customer positioning, hereafter referred to as "Peony Money Link Cards" Card"), Peony international debit card, Peony special card, Peony smart card and Peony commemorative card.
According to the brand, it is divided into Peony UnionPay Card, Peony Visa Card, Peony MasterCard, Peony Express Card, Peony JCB Card and other brand cards.
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). According to the repayment responsibility, it can also be divided into corporate responsibility business cards, corporate responsibility personal cards, and personal responsibility personal cards.
Reference: Industrial and Commercial Bank of China - Card World
Questions about Peony Student Credit Card
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For credit report questions, please Please contact 95588-6 or the local card center for consultation.
Peony student card policies are as follows:
(1) Student card holders who have confirmed their employment after graduation and whose account and card must be in "normal" status can apply directly or Exchange for other types of credit cards.
(2) Each card issuer must arrange for dedicated personnel to effectively contact card-holding students 3 months before graduation, or directly contact the relevant departments of the school to understand their graduation destination.
1. For those who have been confirmed by the work unit, the card issuer should re-assess the credit limit in accordance with the card issuance policy. In principle, it should not be lower than the original student card credit limit, and handle it in the following manner:
(1) Cardholders can redeem the new Peony International Credit Card at the ICBC card issuer where their workplace is located within 3 months after graduation (update customer information, maintain joint number and area code, and use the original account). Customers must provide a copy of the original college student card, a copy of their ID card, and a work certificate, and completely fill in the Peony Card application form (the acceptance staff will indicate the replacement card for college students in the acceptance column of the application form).
(2) If the cardholder is willing to keep the original student card, he or she can continue to use it after updating the customer information and maintaining the joint number and area code.
① Cardholders who do not need to increase their original credit limit can continue to use their original student cards within 3 months after graduation by contacting customer service staff directly by phone or fax to update their customer information.
② Cardholders who need to increase the credit limit of their original student card can go to the ICBC card issuer where their workplace is located to handle relevant procedures within 3 months after graduation. They must provide a copy of their original student card and their identity. Copy of ID, proof of employment, and complete application form for Peony Card (the person accepting the application will indicate in the acceptance column of the application form that the card will be used for continued employment).
2. For those who continue to study for a master's degree or a doctoral degree, cardholders can update their customer information within 3 months after the new semester to ensure that they continue to use the card.
(1) Cardholders who do not need to increase their credit limit can continue to use the original student card after contacting customer service staff directly by phone or fax to update their customer information.
(2) Cardholders who need to increase their credit limit accordingly must go to the ICBC card issuer where the school is located to refill the student card application form (the acceptance staff will indicate in the acceptance column of the application form that the student card will continue to be used for further studies) card), provide a copy of your ID card, new student ID card or admission notice. The card issuer updates the customer information accordingly and adjusts the credit limit so that the customer can continue to use the student card.
That’s it for the introduction of Peony Credit Card for college students.