How about a credit card for industrial and commercial struggle?

Advantages and disadvantages of ICBC credit card dispute

ICBC World Struggle China Zan Credit Card can enjoy the following benefits:

1. Enjoy a 3-day repayment grace period;

2. Free of foreign exchange handling fees;

3. Free account security lock;

4. Bind WeChat and JD.COM to enjoy points;

5. As of June 5438+February 3, 20221,you can enjoy exclusive discounts when booking seven parks in the world with MasterCard, and you can get up to 55% cashback when trading on Haitao cashback platform, and you can enjoy two-star hotel buffet discount and Agoda booking accommodation discount;

6. As of May 29th, 2022, enjoy the 199 yuan Tooth Cleaning Package;

7. As of June 65438+February 3, 20221,you can enjoy 3 get 2 free treatment at Banyan Tree Hotels and Resorts, and you can enjoy a maximum discount of 15% for the pass to the world's popular tourist cities;

8. UnionPay Platinum Card enjoys exclusive VIP service at the airport and high-speed rail, including personal service for 2 times 1 yuan, 3-person service in 6.2 yuan (limited to myself and up to 2 accompanying guests), and parking service for 2 hours or 48 hours at designated airports in China;

9. Log in to ICBC e Life App, search for "in-house purchase privilege" and use the exclusive in-house purchase code "fdbkng" to enjoy the consumption experience of in-house purchase venues.

(Answer time: 065438+2022 10/0/3. In case of business changes, please refer to the actual situation. )

Is the ICBC Struggle Card worth it?

High cost performance.

ICBC's struggling gold card quota is generally less than 50,000 yuan. If you already have a credit card or loan from ICBC and are a five-star customer, your quota is 654.38+ 10,000 yuan. The rights and interests of Struggle Gold Card are:

1. There is a three-day grace period for repayment. If the user accidentally forgets to repay, repayment within these three days will be regarded as timely repayment, without penalty interest, and will not be included in the credit information;

2. After successfully applying for the Struggle Card, the annual fee will be reduced or exempted within the validity period;

3. When the cardholder is in consumption abroad, no foreign exchange handling fee is charged, and only the countries or regions corresponding to 10 foreign currency are exempted from handling fees, namely, US dollars, euros, Hong Kong dollars, Swiss francs, New Zealand dollars, British pounds, Australian dollars, Japanese yen, Singapore dollars and Canadian dollars;

4. Support personal credit consumption loans, points, POS, counters, online banking and other services;

5. After the due repayment, if the unpaid amount of the cardholder is less than or equal to RMB 65,438+00, it shall be deemed to have been fully paid off.

What are the disadvantages of ICBC's annual fee-free credit card (Struggle Card)?

Redemption of gifts requires high points and few kinds of gifts.

The difference between ICBC Struggle Puka and other ICBC credit cards is that the annual fee is directly exempted within the validity period, so there is no annual fee burden for handling ICBC Struggle Puka. Like other ICBC credit cards, the annual fee can only be reduced if the card is up to standard, while the struggle credit card does not need this, and the annual fee is directly exempted.

Extended data:

Matters needing attention in using ICBC Struggle Card:

Because the credit card itself has no money, if you withdraw cash by credit card, it is equivalent to borrowing money from the bank, and the interest is very high, and it is calculated on a daily basis (the specific interest calculation method can be understood from the issuing bank). Don't withdraw cash unless you have to.

If the credit card fails to repay according to the minimum repayment amount, it will not only deduct high interest, but also affect the personal credit record. If you want to borrow money from the bank in the future, or do something related to personal credit, it will be bad.