How about China Industrial and Commercial Credit Card?

Advantages and disadvantages analysis of ICBC credit card!

ICBC credit card has always been a headache for many cardholders, and it has even been dubbed as "Aunt Card". But in fact, ICBC credit card has stood for so long, and its advantages are still obvious. Let me sort out the advantages and disadvantages of ICBC credit cards!

1. Advantages of ICBC Credit Card:

1, the first holder in the industry, the leading bank in China, with a high B! It is of great reference value for most joint-stock commercial banks to handle cards with cards. The most business outlets! There are more than 30,000 outlets nationwide, which is convenient for business.

2. Cash withdrawal without card is supported! With the advantage of many outlets, you won't be embarrassed without cash or cards! Of course, the cost of withdrawing cash by credit card is very high!

3, the installment fee is the lowest in the country! Half of the installment fees of other banks are even lower.

4. ICBC's credit card and ordinary card have no upper limit! Most gold cards and ordinary cards in other banks have an upper limit of 10W, while China Merchants Bank has an upper limit of 6W. ......

Second, the shortcomings of ICBC credit card:

1, the bid threshold is too high, the quota is too low, and there are even cards with a quota of 0;

2. Banks don't have 800 telephones, and 400 telephones are not open to individual users;

3. SMS service fee 2 yuan/month;

4. The points needed to exchange gifts are high, and there are few kinds of gifts.

The above is the analysis of the advantages and disadvantages of ICBC credit card that I introduced to you! I hope this article I compiled is useful to you. Want to know more about credit cards, I suggest you pay attention to Jintou Credit Card!

Disclaimer: The operation suggestions in this paper only represent the views of third parties and have nothing to do with this platform. Investment is risky, so be cautious when entering the market. Deal with it accordingly at your own risk.

How about ICBC credit card?

ICBC is a state-owned enterprise. China Industrial and Commercial Bank is a state-owned bank, which is a large bank directly managed by the Ministry of Finance. It is also one of the four largest banks in China, with a relatively strong customer base. Its main operation mode is to unify the management system of commercial banks authorized by legal persons, and its main goal is to achieve development and stability and improve economic benefits.

ICBC can provide 24-hour online telephone service. If you have any questions, you can call online customer service at any time to solve them. But also provides electronic and paper reconciliation services, which can bring great convenience to customers.

The advantages of ICBC credit card are:

1. Interest-free day. The longest interest-free days of ICBC reach 56 days, so you can provide more days for your repayment.

Second, SMS reminder. When handling credit card customer service in ICBC, if the arrears on your card are due, the system will send a free text message to remind everyone to repay in time. In order to avoid being too busy to pay back the money, there will be more overdue fines on the bill.

Third, it can be repaid automatically. ICBC has its own software, on which you can set which card to use to automatically return when the credit card expires, so that you don't have to go to the bank to deposit money and pay back the money, just bind it directly with the savings card.

Fourth, enjoy the points. When credit card consumption will save points for customer service, points can be used for consumption and shopping, so when everyone has enough points, they can collect items according to points on the network software platform.

Five, provide 24-hour service telephone. All questions about ICBC have a 24-hour service telephone number. When you have questions about ICBC, you can call the manual service number.

How about ICBC credit card?

All right.

ICBC Credit Card has the following advantages: ICBC Credit Card is the best credit card in China, which can enjoy a maximum interest-free period of 56 days, and local withdrawals are free of cash withdrawal fees and handling fees. Moreover, ICBC has many business outlets, which can withdraw cash from any bank in China, and supports organizations such as Visa International, MasterCard and American Express Bank, as well as POS card swiping services in any store.

1. ICBC's credit card withdrawal is equivalent to debit card and savings card, and no extra handling fee will be charged for the withdrawal amount.

2. ICBC credit cards have card issuers all over the country, which is convenient to apply and fast to issue cards. You can apply online and open the card immediately after you get it. It usually takes no more than 2 weeks from sending an email to receiving a greeting card.

3. All domestic transactions will be recorded in real time, and the points will be queried in real time, with high efficiency.

4. If the account is not overdrawn, the withdrawal is interest-free. And it can be taken out on the same day, which is convenient and fast.

ICBC's credit card is the credit card with the highest circulation in China. The main types of ICBC's credit cards are: Peony International Credit Card, Peony Credit Card and Peony Credit Card; ICBC credit cards are divided into: Peony Visa Card, Peony MasterCard and Peony American Express Card by brand; According to the credit rating, it is divided into: platinum card, gold card and ordinary card; According to the issuing object, it is divided into business cards and personal cards, in which personal cards are divided into main cards and auxiliary cards.

ICBC credit card application conditions are:

1. You must meet the age requirement of 18 to apply for an ICBC credit card.

2. Applying for an ICBC credit card requires a stable job and a legitimate source of income.

3. If the applicant has a high position, high education, high income and good company, the pass rate of applying for ICBC credit card can be greatly improved.

4. Applying for an ICBC credit card also requires a certain economic foundation.

5. If you want to apply for a credit card with a higher credit card rating of ICBC, the applicant needs to provide certain financial certificates to the bank, such as stock securities, real estate license with the applicant's name on it, automobile driving license, bank deposit certificate, etc.

6. To apply for an ICBC credit card, you need to be a natural person with full civil capacity.

7. There is another necessary condition. Applicants need to have good personal credit information, because ICBC pays more attention to the personal credit information of cardholders.

What is the evaluation of China Industrial and Commercial Bank's multi-currency credit card?

It's quite useful. A while ago, it was used very smoothly abroad, and I also experienced the situation that the magnetic stripe card was rejected. Multi-currency chips are still good. Moreover, someone has tested the credit line, and this card is temporarily the most favorable card in RMB among all currency cards.

This card is the main card recently promoted by the industry and commerce, similar to the multi-currency card of the industry and commerce, but the card surface is 100 times better. This card only has 10 currency, which can avoid the currency exchange fee, but it is basically enough. It should be noted that after the card is opened, the personal credit report will show that the industrial and commercial bank has a 10 currency account, so please be cautious.

China Industrial and Commercial Bank Multi-currency Credit Card

Relying on strong scientific and technological strength and global settlement advantages, ICBC's multi-currency credit card has brought tangible value-added services to customers' growing demand for studying abroad and doing business.

With the improvement of people's living standards, various overseas tours have developed rapidly, and China people can be seen everywhere in foreign countries, especially in Japan, South Korea and Europe. There are not a few netizens who buy things. At this time, you need a multi-currency credit card that can easily overdraw and facilitate repayment. What Bian Xiao recommended for you today is the ICBC Global Travel Card of China, which is most suitable for business travelers who are about to go abroad.

Advantages: US dollar, Euro, HKD, British pound, Australian dollar, Japanese yen, Singapore dollar, Canadian dollar, Swiss franc and New Zealand dollar 10 can be paid directly without currency conversion.

If automatic foreign exchange purchase is turned on, foreign exchange will be automatically purchased from the debit card for repayment on the repayment date; if automatic foreign exchange purchase is turned off, it is necessary to manually purchase foreign exchange for repayment.

UnionPay and MasterCard are dual channels, both in China, and they can be repaid by Alipay.

Platinum card has PriorityPass card, which allows you to enter the international VIP room of the airport unlimited times.

Even if the automatic purchase of foreign exchange for repayment is enabled, it is only on the repayment date that the foreign exchange is automatically purchased from the debit card for repayment. The bill shows the amount of foreign currency consumed, and will not be directly recorded in RMB. Before the repayment date, in the case of good exchange rate, it is also a good choice to purchase foreign exchange manually for repayment.

Disadvantages: this card has no ordinary card, and there is no chance of demotion after application. It is suggested that Taobao friends who are not confident about their own strength apply for ICBC multi-currency cards, except that the card face is ugly, and the basic functions are the same. Moreover, as the largest bank in the universe, ICBC's audit is still relatively strict, which is called a high threshold, and it will be more difficult to apply.

Gold card swipes 5 times free of annual fee, platinum card swipes 2000, and the annual cycle consumption is 20W.

Is the credit card of China Industrial and Commercial Bank good?

ICBC credit card is the credit card with the highest circulation in China. China Industrial and Commercial Bank is a large state-owned bank managed by the central government, and it is a national deputy ministerial unit. The basic task of ICBC is to raise social funds through domestic and foreign financing activities, strengthen the management of credit funds, support enterprise production and technological transformation, and serve China's economic construction in accordance with national laws and regulations. 20 17 February, BrandFinance released the list of the top 500 global brands in 20 17, and ICBC ranked 10th. On June 20th, 20 18, the analysis report of China's 500 most valuable brands was released, and ICBC ranked fourth. 20 18 In July, Banker magazine released the list of 2065 438+0008 Global Banks 1000, and ICBC ranked first. 20 18 ranked 26th in the Fortune Global 500. 20 18 12 18 was published in the "Top 500 20 18 World Brands" compiled by the World Brand Lab, and ICBC ranked 43rd. 2065438+On June 26th, 2009, eight banks, including China Industrial and Commercial Bank, took the lead in online enterprise information networking verification system.

1. ICBC credit cards mainly include: Peony International Credit Card, Peony Credit Card and Peony Credit Card; ICBC credit cards are divided into: Peony Visa Card, Peony MasterCard and Peony American Express Card by brand; According to the credit rating, it is divided into: platinum card, gold card and ordinary card; According to the issuing object, it is divided into business cards and personal cards, in which personal cards are divided into main cards and auxiliary cards.

Constellation credit card (hereinafter referred to as "Constellation Card") is divided into two levels: simple platinum and gold. The design of the card surface is the same, which is distinguished by the background color of the card surface. Black is simple platinum, and red is gold. Among them, the simple platinum card enjoys the rights and interests of VISA Platinum Card and UnionPay Platinum Card, as well as all the rights and interests of the bank except for travel insurance such as airport VIP room, high-speed rail VIP room, aviation accident insurance and travel inconvenience insurance.

Star card "1 1" business card: UnionPay single-currency card (magnetic stripe PBOC non-networked chip card) is used in China, and VISA single-currency card (magnetic stripe EMV non-networked chip card) is used abroad. 2. Card-to-account docking supports the payment methods of "swipe card, insert card, wave hand and scan code". Payment at home and abroad is smooth. (Note: Star Card does not support transactions in the form of daughter cards, nor does it support transactions in the form of daughter cards of other credit cards under Star Card. )

2. Credit cards, also known as credit cards, are credit certificates issued by commercial banks or credit card companies to eligible consumers. It is in the form of a card, with the issuer's name, expiration date, number, cardholder's name and other contents on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.

The credit card stipulated in the relevant laws of China (Interpretation of the NPC Standing Committee on the Provisions on Credit Cards in the Criminal Law of People's Republic of China (PRC)) refers to the electronic payment card issued by commercial banks or banks. Other electronic payment cards with the functions of full or partial consumption payment, credit loan, transfer settlement, cash deposit and withdrawal, etc.

How about ICBC credit card?

Advantages of ICBC:

1 Local cash withdrawal fee is unconditionally free (unique)

2 Cash withdrawal, cash installment and credit loan fees/interest are the lowest (at least one), which does not affect the cash withdrawal amount. In some areas, fees can be charged by stages, and no subsequent fees will be charged after prepayment, and there is no penalty interest. Cash installment can be cancelled on the same day.

2. The minimum repayment amount is not full penalty interest (only once)

3 The starting point of bill installment is low (the total amount of RMB bill exceeds that of 600 yuan), and the handling fee is low.

4 long interest-free period (up to 56 days)

Free SMS reminder (for financial customers, some areas provide 5-star service)

6 There are basically no sales calls, few risk control calls, and a large number of credit cards are brushed, and the risk control is almost the loosest.

Starting from the second card, cards of the same level can choose independent accounts or enjoy accounts with multiple cards. The latter is similar to the China Merchants Bank system, and the account is enjoyed. However, the annual fee waiver of each card in China Merchants Bank system must be counted separately. For example, the UnionPay gold card of 10 needs to be swiped six times per card to avoid the annual fee, while ICBC only needs to swipe the card of 10 five times.

8. All the cards that have been downloaded are approved in batches of 100% seconds, 100% will not be checked for credit information, and 100% will not be published in newspapers. (only one)

9. The annual fee-free Platinum Card will be launched from time to time (during the promotion period of the Diner Platinum Card, the annual fee will be exempted during the validity period, and the next single-label Platinum Card will be unconditionally exempted. Many regions have applied for global annual fee-free platinum cards. In some regions, the annual fee of platinum cards can be exempted by purchasing financial applications, and all platinum cards can enjoy VIP services at airports and high-speed rail for unlimited times.

10 You can apply for manual cash withdrawal at least once a month from the card opening. After the recommended limit of the system is exceeded, the withdrawal range of low-value cards is often 5-10 times, and the withdrawal range of tens of thousands of cards is often 1W to several w.

1 1 Some types of cards are opened during the promotion period (about one year), and the annual fee is free for life.

12 instant repayment is convenient for foreign currency consumption. At this point, manual foreign exchange purchase repayment and foreign currency repayment are resumed.

There are three kinds, which are advantages for some people and disadvantages for others, depending on the demand.

1 Standard and universal multi-currency cards are free of all foreign currency conversion fees. 10 is recorded in local currency, and can be repaid directly in local currency (if it is a dual-currency card with US dollars, I obviously have pounds, so I have to convert them into US dollars when I swipe pounds, and then I have to buy US dollars to repay, which will lead to exchange rate losses twice, so multi-currency cards can be repaid directly in British pounds without any exchange rate losses).

The repayment order is interest first, then interest-free, that is to say, cash withdrawal first, then bill.

3 The withdrawal amount mainly depends on the stability of work income, assets (and liabilities), and the protection fee is not very important for cards with at least 10W. Except in a few areas, it is not difficult to withdraw money from 20W to 10W, and it is not difficult to withdraw money from 10W to 5W, even if it is only a few hundred per month, most of them are paid online at 0.38.

China Industrial and Commercial Credit Card is introduced, which one is better will be over. I wonder if you have found the information you need?