How much is the courier fee of ICBC? Why do you have to deduct 2 yuan every month?

Icbc courier fee refers to the SMS fee for balance change. For example, if you transfer 2000 yuan from the industrial and commercial bank card, you will be prompted by SMS, and how much you earn will also be prompted by SMS. There is a charge for this function provided by the bank. This service fee is the courier fee of ICBC, which is paid in 2 yuan every month. If you don't want to use this function, you can cancel it through ICBC 95588 customer service, through e-banking channels or at the counter. After cancellation, there is no SMS prompt for account balance change, and the account risk will increase. After all, some accounts have been stolen, and if they can be found in time, the probability of recovery will be much greater. After reading the above introduction, I believe you have a better understanding of the concept of ICBC express fee. Simply put, the courier fee refers to the fee incurred when you open the ICBC courier service. It is temporarily free to receive the balance change reminder service through eRent, and you can also receive the ICBC balance change reminder through eRent. ICBC car loan credit card is a kind of credit card.

The card used by ICBC for repayment is a credit card, but it cannot be used as a credit card. ICBC car loan card will issue car loan cards for car installment business handled by car dealers, guarantee companies, insurance companies and other channels. This card is usually only used to buy cars by stages, and has no other value-added functions. If you need a credit card, it is recommended to apply for an ICBC credit card separately. The car loan card business of each branch is slightly different. Please contact the loan bank if you need to go through the formalities of car loan card loan settlement or mortgage cancellation, misdeposit/mistransfer/guarantee fee withdrawal, loan or guarantee information inquiry, etc.

As the name implies, I don't have enough money when I buy a car. I want to drive the car ahead of time, but I have to borrow money. Similar to mortgage, but different from mortgage, the loan amount is large and the requirements are high. The general loan amount of car loans is relatively low, and many people only borrow tens of thousands or hundreds of thousands. And the general cycle is less than three years. Therefore, the requirements for car loans are relatively low and there are many loan channels.

Types of car loans

1, the traditional car loan of a bank is a bank loan. Usually, the requirements are higher, the examination is stricter, the examination and approval is slower, and the interest rate is relatively not very cheap. The annual interest rate of all banks is 12%. Of course, it is not excluded that some banks have low interest rates. The only advantage is that the bank won't charge you anything. In addition, if thousands of dollars a month are under pressure, you can choose to pay interest on a monthly basis and repay the principal when it is due.

2. Bank credit card car loan installment payment

This is based on credit card installment payment. To put it bluntly, the ant flower garden has a large installment quota and has to pay back the credit card every month. Generally speaking, the interest rate for three years is 7.5%, and it is a one-time charge. For example, if the loan is 6,543,800 yuan, you will receive 7,500 yuan interest at one time, and the remaining monthly principal and interest will be equal. In this way, the interest rate is still good. By relying on credit cards, bank approval will be faster. Interest rates are also cheaper. Consider a three-year long-term loan.

Matters needing attention in using ICBC messenger

1. To use this service, you must pay the express service fee of ICBC. Please refer to the electronic banking charging standard of China Industrial and Commercial Bank for specific fees. If you stop using the service in the future, the fees paid will not be refunded.

2. Account reminder service is a reminder service provided by China Industrial and Commercial Bank through SMS when your account balance changes.

You must ensure that the information such as the reserved mobile phone number is accurate. If the mobile phone number changes in the future, it should be revised in time.

4. If the reserved information is not detailed and accurate, or the information is not received or leaked due to communication or force majeure during the sending process, China Industrial and Commercial Bank will not assume any responsibility.

To use this service, you have to pay the express service fee of ICBC. Please refer to the electronic banking charging standard of China Industrial and Commercial Bank for specific fees.

6. If the customer of corporate telephone banking needs to change the registered mobile phone number of ICBC Messenger, please change it through the telephone banking manual seat.

Formulation and cancellation: ICBC Messenger registered customers can "sign/cancel" the ICBC Messenger service agreement through personal online banking, telephone banking, mobile banking (WAP) and mobile banking (SMS), thus "customizing/canceling" the ICBC Messenger service.