What is the minimum amount of gold card for Cosmos Constellation? What are its characteristics?

Credit card consumption has gradually become a common way of consumption in our daily life. Major banks have launched different types of credit cards for different user groups. As one of the five largest banks in China, ICBC has also launched many types of credit cards.

Cosmic Credit Card is one of many credit cards of ICBC. Universe credit cards are divided into three types according to their grades: ordinary cards and gold cards. However, at present, the first batch of cosmic credit cards only issue gold cards. In fact, no matter what kind of credit card it is, the credit card quota has always been a concern for users. So what is the minimum credit card limit for the Cosmic Constellation Gold Card launched by ICBC?

Generally speaking, the credit line of China Industrial and Commercial Bank for Puka is 1, 000- 1, 000 yuan for gold card, and 50,000-1, 000,000 yuan for platinum card, that is.

When approving credit card users, ICBC will approve the corresponding credit line according to the user's qualification. Therefore, if the user applies for the Universal Gold Card, the final credit limit is not absolute, but also depends on his credit situation and repayment ability. Generally speaking, after the initial credit card limit is approved, he can increase his credit card limit in different ways.

Universal Gold Card Credit Card Annual Fee

In addition to the credit card quota, the annual credit card fee is also a concern of every credit card applicant. After all, the follow-up is the payment of their own funds. Cosmos gold cards are divided into UnionPay cards and VISA cards, of which the annual fee for VISA cards is 100 yuan, and UnionPay cards are in 50 yuan every year.

According to the regulations of ICBC, no matter what grade of card, Universal Gold Card is free of annual fee within the specified period, and the specific period needs to be subject to handling. After the free period, users can waive the annual fee for the following year as long as they spend five times in the annual cycle of the credit card.

What are the advantages and disadvantages of the Universal Gold Card?

Everything has its own characteristics. The main features of the Cosmic Constellation Gold Card launched by ICBC are as follows:

1. Repayment allowance: Cosmos Gold Card has a three-day repayment grace period. As long as the user repays within three days after the repayment date, it is regarded as normal repayment and not overdue repayment.

2. The repayment amount can be extended: when the user returns the Universal Gold Card, the minimum repayment amount can start from the minimum repayment amount specified in the bill 10 yuan. As long as the amount returned by the user at the time of repayment is not less than the minimum repayment amount 10 yuan and above, it can be regarded as the normal minimum repayment amount.

3. The annual fee can be reduced: the specific annual fee of the Universal Gold Card is also introduced above. As long as the user meets the reduction criteria, the annual fee of the Universal Gold Card can be reduced.