Industrial Bank Cosmos Star Card _ Industrial Bank Cosmos Star Card is free of annual fee.

How to use the Business Constellation Credit Card

How to use industrial and commercial credit cards

The use of ICBC credit cards is as follows:

1. Log in to personal online banking and select "Credit Card Inquiry" in the "Credit Card" service to make credit card binding consumption;

2. Log in to ICBC Mobile Banking and click "Credit Card Inquiry" in the "Credit Card" service to inquire about credit card details;

3. Pay attention to ICBC WeChat official account "Customer Service of Industrial and Commercial Bank of China", and you can click on "Smart Finance", "Credit Card", "Get Card Now" and "Application Progress Query" to inquire.

4. Call the customer service hotline of ICBC, select manual service, and open the credit card and ID number.

What is the use of ICBC Cosmic Constellation Credit Card?

ICBC Cosmos Constellation Credit Card is an "Internet" product issued by ICBC for young customers, which is divided into simple platinum card and gold card, as follows:

1. Free of annual fee within the validity period;

2. Tolerance of repayment time;

3. Free of foreign exchange fees;

4. You can get 10 times points for spending on your birthday;

5. Nuoxin Cake 13 discount;

6. If this card is the first credit card of the bank, you can spend 1 at will within 30 days, and you can get 1 month Youku or Iqiyi VIP members from the official account of "ICBC Credit Card WeChat";

7. You can also participate in our shopping weekends and global activities and get a lot of discounts from merchants.

Send SMS "Constellation Card" to 95588 to get the card link.

Can I use two cosmic credit cards for business in China?

Two Cosmos industrial and commercial credit cards can be used in China. These two cards are UnionPay single-logo single-currency card and VISA single-logo multi-currency card respectively, among which UnionPay is the most convenient to consume and use in China, and VISA card can only be used on a few POS machines, and there are few businesses supported in China, so it is inconvenient to use, and it is mainly used abroad.

If users only spend money in China, it is suggested that cardholders only activate UnionPay single-logo single-currency cards, and it is totally unnecessary to activate VISA single-logo multi-currency cards. If you often spend money by credit card abroad, you'd better use VISA card at this time. This card supports many foreign businesses.

Universe Credit Card can choose different card faces when applying, with a total of 12, which can be divided into simple platinum and gold grades when applying. The design of the card surface is the same, which is distinguished by the color of the base on the card side. Black is simple platinum and red is gold card.

When applying for Cosmos credit card, different users get different amounts. The better the materials submitted by general users, the higher the credit card limit of banks. Users usually use this credit card to repay in time, and there can be no overdue repayment. After all, there will be a penalty interest after the deadline, and personal credit information will also be affected.

How about ICBC's constellation credit card?

I think ICBC Constellation Credit Card is quite good. Friends who want to apply can apply at ICBC.

China Industrial and Commercial Bank Constellation Credit Card Financial Characteristic Rights and Interests

1. Annual fee reduction. Anyone who successfully applies for the Star Constellation Card, whether it is a simple platinum card, a gold card or an ordinary card, is exempt from the annual fee within the validity period.

2. Time, the repayment grace period is 3 days, that is, the three-day repayment grace period service is provided for the constellation card holders. If the cardholder repays within 3 days, it is deemed that the cardholder repays on time.

3. Tolerance: the difference of the minimum repayment grace is 10 yuan. When the minimum outstanding amount of the last bill is less than or equal to 10 yuan during the grace period of repayment due (the grace period of repayment due), it can be regarded as the minimum repayment amount paid by the constellation card holder.

4. No foreign exchange fee is charged for multi-currencies, and consumption abroad 0 foreign exchange fee is free. The currency of this card is 65,438+00 foreign currency, including USD, EUR, HKD, GBP, JPY, SGD, CAD, AUD, CHF and NZD.

When the VISA card network is used in the country or region corresponding to 10 foreign currency, it will be recorded directly in the corresponding currency without currency conversion, and the cardholder does not need to pay foreign exchange handling fees. When used in countries or regions other than 10 foreign currency, the foreign exchange handling fee is automatically exempted.

5. Account security insurance, the latest online credit card account security insurance launched by the Bank. As long as you activate the card and successfully spend 1, you can get a gift. The insurance coverage of simple platinum card, gold card and ordinary card is 50,000 yuan, 20,000 yuan and 5,000 yuan respectively.

During the insurance period, you can apply for insurance compensation indefinitely, but the accumulated compensation amount does not exceed the insured amount.

During the insurance period, if your Star Card or all other ICBC credit cards under your name are lost, stolen or stolen, or you give ICBC credit cards to others for use, or disclose your bank and password to others.

Therefore, your ICBC credit card suffers financial losses due to transactions or transfers at bank counters, ATMs, POS machines or the Internet. The insurance company will provide you with insurance compensation for the transaction 72 hours before the loss of the card is reported.

ICBC Cosmos Constellation credit cards are divided into three grades: simple platinum, gold and ordinary (only the first batch of gold cards are issued at present).

The design of the card surface is the same, which is distinguished by the color of the base on the card side. Black is simple platinum, red is gold card and blue is ordinary card. Among them, Simple Platinum Card enjoys the rights and interests of VISA Platinum Card and UnionPay Platinum Card, and all the rights and interests of Platinum Card except airport VIP room, aviation accident insurance and travel inconvenience insurance.

Do I need to activate two ICBC Constellation credit cards?

No need.

ICBC's Cosmos Constellation Credit Card will issue UnionPay cards and VISA cards. After receiving the card, the customer does not need to activate two cards. In fact, customers can choose to activate according to their own needs.

For example, only domestic consumption can only activate UnionPay cards. If you live abroad, just activate your VISA card; If you live in China, but at the same time you will fly to work and travel abroad. And there is demand for consumption abroad, so you can activate both cards.

ICBC Star Card is divided into simple platinum card and gold card. Because both of them are free of annual fees within the validity period, customers don't have to worry about charging if one of the cards is not activated. If the card is not activated, there is no charge.

After activation, customers can also enjoy interest-free concessions as long as they pay off the amount shown in the bill in full within the specified repayment period. Of course, if it can't be paid off in full before the repayment date (inclusive), then it will generate cyclic interest, or if you choose to repay by installments, you will have to pay a certain installment fee; And after the withdrawal amount is used, the interest-free period is no longer enjoyed.

I. ICBC Credit Card Activation Method:

1. Customer service hotline has been opened.

First dial 95588, select the service you need according to the voice prompt, press "2" to enter ICBC credit card service, and then press "2" to directly enter "card activation". According to the voice prompt, enter your personal information such as credit card and valid ID number. After the authentication is completed, the card can be successfully activated, and the consumption password can be set after activation.

2. The exit counter is activated.

Cardholders need to bring their valid ID card, credit card and password letter to the local ICBC business outlets, and activate the credit card on the spot according to the staff's prompts.

3. Online activation

Official website logs in to ICBC e-student, selects "Use Card", enters the cardholder's name, ID number, card validity period and other related information according to the page prompts, clicks OK, and sets the credit card consumption password to activate the ICBC credit card.

How to activate ICBC Cosmos Constellation credit card (debit card)? Can I activate it online?

To apply for an ICBC credit card (debit card) for the first time, after obtaining the ICBC Cosmos Constellation Credit Card (credit card), you must bring your card and ID card to any branch of ICBC in the issuing area to activate the card. If it is not the first ICBC card, you can log in to ICBC e Life and select "Finance" according to the page prompts to activate the credit card (debit card).

This concludes the introduction of how to use the Business Constellation Credit Card and how to use the Business Constellation Credit Card. I wonder if you have found the information you need?