How to inquire about the credit line of ICBC?

How to check the balance of ICBC credit card

You can check the account balance in the following ways:

1. Pay attention to the official WeChat account of "China Industrial and Commercial Bank Customer Service" and select "Smart Finance-Balance". Details. Bank of deposit ",and inquire according to the prompt;

2. Log in to mobile banking, select the function of "Home/Favorites-Account/My Account", and click++to query.

(Answer time: April 2, 20221. In case of business changes, please refer to the actual situation. )

How to treat the credit line of ICBC?

There are generally two ways. One is to bring your ID card to the bank or WeChat official account to apply. After activation, it will be sent to you by courier, and ICBC will send you a text message to tell you the limit. The other is to call ICBC's credit card hotline 95588, inquire according to the prompt or by reserving the mobile phone number, and edit the inquiry limit of bank password in short message CXED#++#.

Credit card installment payment refers to the business that when a cardholder uses a credit card to make a large amount of consumption, the issuing bank pays the consumption funds of the goods (or services) purchased by the cardholder to the merchant in one lump sum, and deducts the consumption funds through the cardholder's credit card account in stages according to the cardholder's application, and the cardholder repays the money according to the monthly recorded amount. In the past, credit card installment mainly included bill installment and single consumption installment, and banks usually charged corresponding handling fees according to the number of installments. Whether it is bill installment or single consumption installment, the premise is to generate consumption behavior first, and then the bank will set installment repayment for the generated credit loan. Bill installment is the most convenient installment method, which is basically supported by all issuing banks and is simple to apply. Users only need to apply to the issuing bank for installment by phone after spending their credit cards and before sending monthly bills.

However, it should be noted that banks will stipulate some special circumstances, such as speculative credit cards can not be successful in installments. So before the trial run, be sure to read the trial run manual carefully. The disadvantage of bill installment is that it can't exempt the handling fee. The longer the number of installments, the higher the handling fee, and the cardholder must bear it himself. In the issuing bank, this method includes: 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. Transfer/remittance repayment is mainly divided into two ways: inter-bank in the same city and inter-bank in different places. Whether it is transfer or remittance, the remittance bank will charge a certain fee, and the payment time and repayment convenience are not as good as those of peers, online repayment and convenience stores. Common online platforms for online repayment in China include UnionPay Online, Kuaiqian, Shengfutong, Alipay and Tenpay. Choose different platforms and banks, and the charging standards and specific arrival time are different.

How to check the credit card limit of ICBC?

Inquiring about the credit card limit of ICBC can be operated in mobile banking, and the specific operation steps are as follows:

Operating environment:

Brand model: iPhone 13

System version: iOS 15.3. 1

App version: v7.0. 1.2.5

First, open the application, click Login on the homepage, and then fill in your own information according to the prompts to log in.

Second, after logging in successfully, you will automatically jump to the APP homepage, and select all on the homepage.

Third, then find the credit card in the page and click Enter.

4. Click on the credit card account and enter the credit card interface.

When you enter the credit card account, you can see the credit card limit information.

At the end of 20 19, the loan of ICBC was 995,5821100 million yuan, an increase of 536,927 million yuan or 5.7%; Company deposits1202,826.2 billion yuan, an increase of 547 1.2 1 billion yuan, an increase of 4.8%.

At the end of 20 19, the balance of ICBC's inclusive small and micro enterprise loans was 4.71.521billion yuan, an increase of1.61.407 billion yuan or 52.0% over the beginning of the year. The number of customers was 423,000, an increase of 6.5438+0.53 million. The average interest rate of accumulated loans in that year was 4.52%, down 0.43 percentage points from the previous year. Relying on financial technology, we will speed up the iterative updating of products, and build a comprehensive service system in inclusive finance around ICBC's microfinance service platform and three categories of products: fast loans, online loans and online supply chain financing. At the end of 20 19, there were 288 microfinance business centers in the whole bank.

In 20 19, ICBC made every effort to promote the electronic reform of fiscal revenue and expenditure accounts at all levels, innovated and promoted the "smart government" service system, and promoted the multi-engine business cooperation framework of "1 government service portal+12 key extension areas +22 value-added services". We will comprehensively promote inter-bank cooperation, sign new comprehensive strategic cooperation agreements with key customers at the head office level, such as China Development Bank and Shanghai and Shenzhen Stock Exchanges, and sign a memorandum of cooperation between banks and securities on science and technology innovation boards with head brokers to jointly promote the development of the real economy and the capital market. We launched a pilot bill brokerage business and successfully handled the first bill brokerage business in the market under the discount mechanism.

In 20 19, ICBC promoted the construction of six product lines, including account management, liquidity management, trade financing, risk management, investment and wealth management, and payment management, and provided comprehensive customer-centered service solutions. Strengthen the application and promotion of the advantage platform and continue to consolidate its leading edge in the field of public payment. Promote the global cash management platform and build a global cash management business system. Promote the "ICBC" financial service platform to meet the financial needs of enterprises and realize the effective customer acquisition model of "transaction+finance". At the end of 20 19, there were 9.443 million enterprise settlement accounts, an increase of 13.5% over the end of last year, and the RMB settlement business of enterprises in the whole year was 2,399 trillion yuan. 1.426 million cash management customers; There were 7,973 global cash management customers, an increase of 9.5%.

Let's stop here for the introduction of how to inquire about the credit card limit.