Industrial and commercial bank of China mainly promotes these credit cards and has done all of them. Do you?

Starting from this issue, Mr. Bei will start a series of tweets to share a series of strategies and experiences of banks in card handling, withdrawal, points and activities. The purpose is to build an overall framework of credit card knowledge, so that every white can find his favorite card by querying this series and learn how to play.

The first chapter, the selected Cosmic Aunt Bank-Industrial and Commercial Bank of China.

How much do you know about auntie? In this issue, we will popularize the first step of applying for ICBC credit card from the perspective of the main card, and choose the card. There are so many ICBC cards, which one should I choose?

This is the first question that everyone should ask when Mr. Bei mentioned the ICBC credit card. To solve this problem, first talk about how to play well.

platinum card

ICBC Shangri-La Joint Platinum Card

Main features: Hotel co-branded card and Shangri-La Hotel co-branded card can directly obtain the gold membership of VIP Gold Ring Club. Shangri-La Hotel has privileges such as 3 times points for accommodation consumption and 10% discount.

One of the main card types of frequent flyer rights. Membership points that can be used in Shangri-La Hotel are universal and enjoy the VIP rights of Shangri-La. Please refer to the introduction page of ICBC for details.

Apply before 20 18, 10, 3 1, and activate the card opening, with no annual fee for the first year. The Ningbo branch on Mr. Bei's side is free of annual fee in the first year, and it can be reduced if the consumption exceeds 200,000 in the second year.

Taokaka noodles

Travel+hotel rights and interests is the biggest feature of this card, and there are many special rights and interests in accommodation, which is suitable for people who travel frequently. Moreover, the consumption points of this card are automatically converted into 1 gold ring points every 120, so it may not be appropriate to swipe ICBC's own points.

This card belongs to the ordinary platinum card sequence of ICBC, which is different from standard platinum, simple platinum and centurion high-end platinum.

China Industrial and Commercial Bank Global Travel Platinum Card

This card is a classic card of ICBC and is also issued in the form of a set of cards. Unionpay +V/M combination form.

This card is complete in all aspects of consumption abroad, which is very suitable for traveling around the world and satisfying shopping consumption.

From the following 10 business travel privileges, we can see that this card is unique and covers a comprehensive range.

(1) global air ticket specials

(2) global hotel accommodation and catering concessions

(3) More than 10 of China people go shopping and leisure in countries and regions.

(4) Shopping rebate for top-class famous products above10.

(5) Special offers from well-known travel agencies.

(6) preferential treatment for well-known overseas study training institutions.

(7) Service courtesy of airport and high-speed rail VIP room

(8) Preferential car rental services in more than 170 countries around the world.

(9) More than 40 countries around the world facilitate the tax refund service and enjoy the tax refund service for returning to China.

(10) Rescue services in more than 70 countries around the world

Only Cosmos has such a wide influence to do the above services.

Frequent travelers must have a platinum card. The single channel of this card is 1 1, so if it is not necessary, it is not recommended to handle it, which will consume the credit account.

The availability of this card also depends on the issuing situation in different places, and the annual fee is different. Please consult your local outlets for details.

China Industrial and Commercial Bank JCB Travel Platinum Card

Reasons for recommending this card:

Traveling to Asia and Japan is a must. Similar to this card, there is the CCB JCB Japan Travel Card, which comes with the VIP room rights of Japanese airport and is free to use.

The annual fee for the first year can be reduced for customers who apply for the first card before the end of 20 17.

Please compare some benefits of Platinum Card in the table below:

Simple platinum+gold card

Why put a simple platinum card and a gold card together? First of all, it's related, and secondly, because a simple platinum card has no VIP room rights of a big platinum card, and it's simply a gold card with more rights and interests.

At present, ICBC's struggle platinum card belongs to a pure platinum card level.

There is not much to refer to when applying for the gold card of ICBC. It is best to apply for the currently promoted card type. I mentioned this in the tweet that ICBC applied for before.

Generally, at this stage, the bank will mainly promote a credit card, so your chances of applying for approval will be slightly higher.

For example, in this paragraph, the Minions series, the military soul card series, the teacher card series, the constellation card series and the word bucket card series continuously launched by ICBC are all allowed to handle these cards.

Moreover, the recently introduced series cards have added the function of tolerance/time tolerance, which was not enjoyed by previous cards.

Time-sensitive repayment of ICBC's credit card means that there is a three-day grace period for credit card repayment, and the balance of arrears is less than 10 yuan, which is regarded as the minimum repayment. At present, Chejia Credit Card, China Resources Tongka, Anbang Credit Card, Installment Credit Card, World Struggle Card, Cosmos Star Card and Military Soul Card can provide time-keeping services.

At present, Mr. Bei holds a set of Shangri-La Platinum Card and a JCB Gold Card. After that, when there is more need to leave the country, you may increase the Global Travel Platinum Card and find opportunities to apply for JCB Platinum Card and Global Travel Platinum Card as supplementary cards.

In this way, you only need to pay an annual fee for one main card. If the annual fee of the main card is reduced, it means that all cards are platinum cards and there is no annual fee. Isn't it cool?

When I have time, I'll talk about how to hang the attached card and get all my favorite platinum cards.