Advantages and disadvantages of ICBC Cosmic Star Card _ ICBC Cosmic Star Card

How come there are two ICBC cosmic constellation cards? Are quotas shared?

ICBC Cosmos Star Card and Black Card are exquisite and elegant, and the application threshold is lower than other ICBC credit cards, which are favored by cardholders. However, many card friends have encountered such problems when handling cards. Obviously, they only applied for one card. How can they issue two cards? Can I swipe both cards? Are quotas shared? Let's have a look.

How come there are two ICBC cosmic constellation cards?

As far as I know, ICBC's Star Card has a card handling system of 1+ 1. Regardless of whether you apply for a UnionPay single-label single-currency card or a VISA single-label multi-currency card, you will be given a magnetic stripe card and a non-connected chip card. These two card accounts are related and can be used together.

Unionpay single-label single-currency card: magnetic stripe +PBOC unconnected chip card.

VISA single logo multi-currency card: magnetic stripe +EMV unconnected chip card

In other words, if you apply for an ICBC Constellation Card, you can hold two cards, UnionPay and MasterCard, which can not only meet the domestic and overseas overdraft consumption demand, but also enjoy the privileges and benefits of the two card organizations. Of course, although two cards are given, not both cards need to be activated. If there is only domestic consumer demand, only UnionPay cards can be activated.

Are the two lines of ICBC Universe Star Card shared?

Has been shared. Except for some credit cards, all credit cards under the same account name of ICBC share a limit, which is the highest limit approved according to your credit status, and is also the common limit of RMB accounts and US dollar accounts. Different currencies on the bill will be settled in RMB.

In other words, the RMB quota of UnionPay single currency card of ICBC Cosmos Star Card is the same as that of VISA single currency card.