What kind of credit card does ICBC choose?

Which is better to apply for an ICBC credit card?

ICBC's credit card application conditions are harsh, especially if the assets are not up to standard, so it is easy to be rejected. In fact, ICBC also has some easier cards, and the conditions will be more relaxed. Here, let's take stock of three types.

1. ICBC strives for Lang Ping Credit Card: The credit card endorsed by Lang Ping has three grades: ordinary card, gold card and simple platinum card, all of which are free of annual fee within the validity period, and can provide a three-day grace period for repayment, free of foreign exchange handling fees, and the highest mobile phone insurance is 1990 yuan. As the main credit card of ICBC, the issuance rate of this credit card has been very good.

2. Cosmic Constellation Credit Card: A card with the theme of twelve constellations is a high-value exclusive black card for young people. It has two grades: gold card and simple white card. During the validity period, it can be exempted from the annual fee, and can enjoy the service rights such as 3-day grace period, 0 foreign exchange handling fee, birthday consumption 10 times points, free account security insurance account security lock, etc. Similarly, as the main push card of ICBC, it is easier to pass the next card.

3. ICBC UnionPay Zodiac Credit Card: With the theme of 12 Zodiac, the card face is designed with Oracle Bone Inscriptions, which shows the charm of traditional culture. There are two levels of gold card and platinum card, and the annual fee can be conditionally reduced. It can provide three-day repayment grace period, travel inconvenience insurance, account security insurance and other service rights, and the first monthly China UnionPay Express Pass can be obtained free of charge. 12306 The highest discount for ticket purchase is 20 yuan.

These three credit cards are easy for ICBC to handle, but each credit card has several levels. It is best to choose cards according to ICBC's star rating, such as Samsung's ordinary card, five-star gold card and six-star platinum card.

Extended data:

How to handle credit cards:

1. Go to the bank's business outlets, and the bank staff will help you complete the operation;

2. To apply for a credit card at a bank in official website, just search your favorite bank on the computer, such as "Industrial and Commercial Bank of China". After entering, you can see the credit card column, and then follow the prompts to apply for a credit card;

Note that to apply for a credit card, you must be at least 18 years old, have a stable source of payment and have a good credit. These are the conditions that must be met in applying for a credit card. If you don't meet the requirements of the bank, you will be refused to apply for a credit card.

Different credit cards have different specific conditions, most of which need to meet the following conditions:

1. There are certain age requirements for handling credit cards: you must have full capacity for civil conduct, that is, 18 years old and above;

2. Have legal and stable income and good credit;

3. Provide corresponding identification documents: a copy of ID card or military officer's card;

4. Work certification documents. Some banks also need to provide proof of income and financial resources. Financial proof can include a copy of real estate license, a copy of motor vehicle driving license, passbook, etc. Anyway, it is easier for the economy to prove that it depends on the individual's repayment ability;

5. proof of residence, which can be a copy of the household registration book, or a certificate issued by the street, or other certification materials. This is easier to do;

6. There is also an application form for applying for a credit card.

The repayment method is as follows:

1, within the issuing bank

Repayment methods include: issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. The credit card limit will be restored immediately after repayment, and the money will generally be recorded after being processed by the system on the same day.

2. Micro-silver pos mobile phone

Weizhong Bank pos mobile phone is a personal payment terminal of mobile financial system, which can be used for direct repayment and transfer of credit cards. Arrive at the account immediately

3. Transfer/remittance repayment

Mainly divided into two ways: inter-bank in the same city and inter-bank in different places. No matter how to transfer and remit money, the remittance bank will charge a certain fee, and at the same time, the time of payment arrival and the convenience of repayment are not as good as those of peers, online repayment and convenience stores.

4. Online repayment

Common domestic network platforms are: UnionPay Online, Kuaiqian, Shengfutong, Alipay, Tenpay and so on. Choose different platforms and banks, and the charging standards and specific arrival time are different.

What credit card is good for ICBC?

Many friends ask, which bank is easier to apply for a credit card? I'm afraid I have to answer you. If you want to choose from commercial banks, the four major state-owned banks will be more difficult. But if you insist on loving the four major state-owned banks, I suggest you choose a credit card that is easier to apply for, so the probability of getting a card will be greater. What exactly are there? Let's have a look.

1, China Industrial and Commercial Bank: Cosmos Constellation Credit Card.

Industrial and commercial bank of China's cosmic constellation card is relatively easy to handle, and it is also the main credit card for industry and commerce. Yan value and rights are very online. The point is that the annual fee is free within the validity period, which is awesome!

In terms of rights and interests, as long as new customers spend a sum of money, they can receive a one-month VIP membership of Youku or iQiyi, and pursue the welfare of the drama owner. In addition, there are overseas portable wifi, hotels, airport parking and other benefits.

2. Bank of China: Taobao Credit Card

In fact, the threshold of China Bank is not too difficult, and the threshold is not very high. You can apply by providing proof of identity and residence. If you are an online shopper, this China Bank Taobao card is easy to apply for. The annual fee for the first year is exempted when you get off the card, and the annual fee for the next year is exempted when you spend any amount for 5 times.

3. Agricultural Bank: Upgrade mom's credit card beautifully.

This beautiful upgraded mother credit card of Agricultural Bank of China is also a good application. Both gold and platinum cards can be exempted from the annual fee by swiping the card number, and visa platinum card can also be exempted from the annual fee within the validity period.

You can apply for a free Disney English audition course, buy a course discount of 1200, and get a 60% discount for shopping in king of the children over 350, and a 300% discount for Mama Donkey at random on Saturday.

4. China Construction Bank: Global Hot Purchase Card

This card of CCB is also relatively easy to handle, mainly suitable for overseas travel and shopping. Gold and platinum card swipe numbers are exempt from annual fees, while Visa and MasterCard are exempt from annual fees within the validity period.

Overseas wifi, special airfare hotels, Haitao cashback, etc. It is very suitable for shopping in consumption abroad or Haitao, and is known as the "God Card" of CCB.

The credit cards that are easy to apply for in the four major banks are introduced here for everyone, hoping to help everyone. I suggest that you prepare enough information before you apply for a card, and then have proof of assets, which can help a lot!

ICBC's Most Worthy Credit Card

1, ICBC Struggle Card

It is a credit card specially designed for office workers. It is free of annual fee during the validity period of the card and supports time tolerance service. The color of the card is divided according to the level of the credit card. Blue is an ordinary card, red is a gold card and black is a platinum card. There are also 0 foreign exchange fees, account security insurance, tide brand Haitao cashback and other rights and interests.

2. ICBC car plus credit card

It is the best choice for car owners. This card is a rigid annual fee and cannot be reduced. Puka 100 yuan/card/year, Gold Card 200 yuan/card/year, Platinum Card 2000 yuan/card/year. However, the rights and interests are very practical, such as 6% cash back discount for refueling at designated gas stations in China every Sunday, 0 foreign exchange fee, credit card gift for new customers, and additional platform discounts, such as car purchase, car washing, maintenance, driving discount and other credit card preferential activities.

3. ICBC Tuniu Niuren Credit Card

As one of the essential credit cards for travelers, there is an exclusive preferential route of ICBC every year, and cardholders can enjoy such benefits as annual fee reduction, account security insurance, 98% discount on Tuniu products, and no handling fee for multi-currency exchange. Platinum card can also enjoy travel inconvenience insurance and aviation accident insurance.

4. Universe Credit Card

This card has a high face value and is suitable for Yan Kong's friends to apply. Moreover, compared with other credit cards, the application threshold of this card is lower, and friends with poor qualifications can also consider starting a gold card. The rights and interests that cardholders can enjoy include annual fee reduction, ten times birthday points, zero handling fee for foreign exchange, ten yuan tolerance for three days and so on. Among them, the simple platinum card can also enjoy free parking at designated airports nationwide and afternoon tea in five-star hotels.

5. Shangri-La Joint Platinum Card

This credit card can enjoy the cash back of gold members of Shangri-La VIP Gold Ring Club, luxury stores and other high-end hotels, which is suitable for high-end consumers.

6.JD.COM Xiaobaika

You can enjoy a minimum discount of 50% for going out for consumption and eating. And you can exchange money for free, which is suitable for people who usually spend more outside.

7. Global Travel Card

As the name implies, this kind of card is suitable for people who like to travel, because MasterCard UnionPay will have two sets of cards after handling, which is convenient for use at home and abroad.

The above seven credit cards are the most worthwhile credit card rankings of ICBC. Regardless of the ranking, it is good to suit yourself. Users can choose according to their own needs!

ICBC credit card is the credit card with the highest circulation in China. The main types of ICBC 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.

Which card should I use for ICBC credit card?

ICBC's credit card mainly depends on what your needs are. It is better to choose a credit card that suits you.

1. ICBC credit cards are divided into: Peony Visa Card, Peony MasterCard and Peony American Express Card by brand;

2. According to the credit rating of ICBC credit cards, they are divided into platinum cards, gold cards and ordinary cards;

3. According to the issuing object of ICBC credit card, it is divided into business card and personal card, in which personal card is divided into main card and auxiliary card.

4. According to the currency of ICBC credit card account, it can be divided into RMB card, dual-currency card and multi-currency card.

Extended data:

1. ICBC is called Cosmic Bank. ICBC has so many branches that it can spread all over the universe. This may be a bit exaggerated, but ICBC's card is so magical. Novices can choose ICBC to apply for their first credit card, because it is much easier to apply for another bank's card after applying for ICBC's credit card.

Second, several types of ICBC credit cards

1, ICBC Struggle Card

Suitable for the crowd: office workers

Comments: Lang Ping joint design, black, red and blue, it is easier to take off the card with Puka Gold Card. Recently, the card value of ICBC is very high.

Rights and interests: annual fee reduction, time tolerance, 0 foreign exchange fee, account security insurance, tide brand Haitao cash back, etc. Simple Platinum Card enjoys free overseas WIFI, visa discount, airport 1 yuan parking and other benefits.

2. ICBC car plus credit card

Suitable for people: car owners

Comments: The annual fee of rigid Puka 100 yuan, gold, 200 yuan and platinum 2000 yuan, and all supplementary cards are halved. But the card is full of discounts, cash back, and love (my) car card platform rights.

Rights and interests: 6% cash back from the designated gas stations in China every Sunday; Love (1) car platform rights, such as car purchase concessions, car wash concessions, maintenance concessions, driving and road rescue rights, Longteng travel exclusive concessions, etc.

Time tolerance, UnionPay multi-currency, 0 foreign exchange fee, new customer credit card gift and so on. Platinum card also enjoys free ICBC airport and high-speed rail VIP room, global car rental discount, 4 million aviation accident insurance and so on.

3. Universal Installment Credit Card

Suitable for the crowd: college students.

Comments: This card is limited to 18 years old, full-time college students apply, gold card level, the next card is two cards. Co-branded cards have the same function as credit cards, except that they can't withdraw cash. The other card can only be used for installment and cash withdrawal.

Welfare: Free of annual fee, up to 56 days interest-free, 3 days poor content 10 yuan. There are also various gift packages for staged music, with a maximum of 1000 yuan.

4. Universe Credit Card

Suitable for the crowd: white-collar office workers

General comment: the face value of this card is too high, so it is particularly easy to get a gold card. Ten times the unique birthday points can be said to be a major event of ICBC. It's just a multi-currency card, and there are more than a dozen accounts when you open the card.

Rights and interests: annual fee reduction, ten-fold birthday bonus, zero foreign exchange fee, three-day tolerance 10 yuan, etc.

5. ICBC Minions Credit Card

Suitable for people: Minions fans.

Comments: Each card in this series is made in MengMeng, which is very suitable for fans' collection, but it needs 50 yuan's business card printing fee and is multi-currency. However, the card rights are also quite good, and ICBC has also embarked on the road of revival.

Rights and interests: annual fee reduction, time tolerance, 0 foreign exchange fee, account security insurance, etc.

6. ICBC Tuniu Niuren Credit Card

Suitable for people: donkey friends

Comments: Card friends who travel frequently can get one, and there is an exclusive preferential line of ICBC every year.

Card rights: annual fee reduction, account security insurance, multi-currency foreign exchange exemption. Tuniu products are 98% off, matching Tuniu members and exclusive preferential routes. Platinum card also enjoys travel inconvenience insurance, aviation accident insurance and so on.

7. ICBC King of Children Baby Credit Card

Suitable for people: parents of babies.

Comments: ICBC teamed up with king of the children to design a special card for parents with children, who can enjoy all kinds of discounts on maternal and child products in king of the children.

Rights and Interests: 1288 for 2 188 king of the children Amusement Year Card, 400 for 500 Amusement Times Card, 15% discount for designated products in king of the children, 15% discount for international blue baby maternal and child products, etc. Platinum card can also enjoy preferential visa, one-yuan airport parking, tooth cleaning and so on.

Which is better for ICBC credit card?

What kind of ICBC credit card is easy to use? Which kind of ICBC credit card is better? Nowadays, more and more people use credit cards. Among many banks, ICBC is actually ideal, but the credit conditions you need are better, especially the star rating of ICBC is very important. So, which ICBC credit card works now? Come with me to understand the types of credit cards of ICBC.

Introduction of credit card types of ICBC;

1, China Industrial and Commercial Bank Monetary Fund Credit Card (UnionPay)

Standard quasi-credit card financial function; Clever financial management and intelligent investment; Automatic redemption and intelligent repayment; The deposit bears interest and the income is tax-free.

2. ICBC Air China Companion Peony Credit Card (American Express)

Flexible currency choice, take you around the world; Many miles, easy and affordable; Global car rental, driving the world; Easily accumulate and redeem offers; Enjoy the golf reservation service.

3. China Industrial and Commercial Bank Southern Airlines Pearl Peony (Group Customer) Commercial Credit Card

Distinguished customers identification of China Southern's major customers; Safe and quick account balance change reminder; Revolving credit, sufficient interest-free repayment period; One card, two coins, universal; Comprehensive business travel insurance.

4. ICBC Anbang Credit Card (UnionPay Puka)

Deposit and withdrawal, consumption real-time arrival; Real-time SMS balance change reminder; 24-hour online banking and telephone banking services; Year-end financial settlement billing service; Paper or electronic reconciliation service.

ICBC Peony Netcom Credit Card (China UnionPay Silver Card).

You can agree on automatic repayment of the account; Can shop online at home and abroad; 24-hour online banking and telephone banking services; Self-service quota adjustment service; Year-end financial settlement billing service; Paper or electronic reconciliation service.

What is the most practical credit card of ICBC?

1, the first card is World Struggle Credit Card. This credit card can reduce the annual fee within the validity period and extend the repayment period by 3 days.

2. Followed by ICBC WeHotel credit card. This credit card gives away 320 gift certificates, including hotel vouchers, travel vouchers and so on.

3. Of course, ICBC's credit card is like a cosmic installment. Cosmos credit card and ICBC Tuniu Niuren credit card are also good. You can choose according to your own needs.

4. ICBC credit card is the credit card with the highest circulation in China. 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.

Let's talk about what kind of credit card ICBC chooses first.