Which ICBC credit card is the most practical (which ICBC credit card with high quota is the most practical)

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.

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.

Which is the most practical ICBC credit card?

For users, the card that suits them is the best, not a card that is the best compared with all credit cards of ICBC. It depends on your occupation. If you are an office worker, you'd better choose the seal card of ICBC, because the application threshold for this card is not high. For car owners, it is better to choose ICBC car plus credit card, because the card is cashback and has related car rights; For college students, it is best to choose the universal installment credit card, and all full-time college students over 18 can apply.

ICBC Struggle Card

Suitable for the crowd: office workers

Comments: Lang Ping joint design, black, red and blue, it's easier to get 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: every Sunday, 6% of China oil gas stations are designated nationwide to refuel and cash back; 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. Yin Hua Runtong Co-branded Card.

There are many kinds of cards, including ordinary cards, gold cards and platinum cards, which can meet the application requirements of customers with different credit conditions.

Cardholders enjoy dual rights and interests, one is ICBC credit card finance and preferential treatment; Second, China Resources Communication enjoys/enjoys membership. 399 China Resources Link points can be exchanged for cash coupons such as CR Vanguard, Ole Boutique Supermarket, Pacific Coffee, Vientiane City, Didi Bus, KFC, McDonald's and movies.

6. China Industrial and Commercial Bank WeHotel Credit Card

There are two card levels: gold card and platinum card, and cardholders can enjoy the reservation discounts of major brand hotels under the WeHotel platform; Open a card to send a 320 yuan gift certificate; The highest monthly ticket 600 yuan; Free V3/V4 membership, enjoy 85/88 discount when booking; Stay 9 nights for free, and can be exchanged for a five-star hotel.

What kind of ICBC credit card is easy to use? There are many choices!

The number of people who want to apply for a credit card has increased dramatically. Among many banks, ICBC is actually ideal, but the credit conditions you need are better, especially the star rating of ICBC is very important. Today, I would like to introduce to you what kind of ICBC credit card is easy to use.

ICBC credit card rankings and explosions are all here!

Living expenses: Yin Hua Runtong co-branded card.

There are many kinds of cards, including ordinary cards, gold cards and platinum cards, which can meet the application requirements of customers with different credit conditions.

Cardholders enjoy dual rights and interests, one is ICBC credit card finance and preferential treatment; But a privileged/privileged member of China Resources Communication. 399 China Resources Link points can be exchanged for cash coupons such as CR Vanguard, Ole' Boutique Supermarket, Pacific Coffee, Vientiane City, Didi Special Car, KFC, McDonald's and movies.

Business trip: China Industrial and Commercial Bank WeHotel Credit Card.

There are two card classes: Gold Card and Platinum Card, and cardholders can enjoy the booking discounts of major brands hotels under the WeHotel platform:

Open a card to send a 320 yuan gift certificate; The highest monthly ticket 600 yuan; Free V3/V4 membership, enjoy 85/88 discount when booking; Stay 9 nights for free, and can be exchanged for a five-star hotel.

Owner: ICBC car plus credit card

Chejia Card is divided into three grades: Platinum Card, Gold Card and Puka. Car owners can enjoy the following benefits:

1) Every Sunday, 6% of the gas stations designated by China National Petroleum Corporation will be cashed in;

2) The massive discount of "Love Shopping Weekend" is as low as 50%, and the highest cashback of "Love Shopping Global" is 21%;

3) Introduce Kaying free car wash, 300 yuan/1000 yuan electronic refueling recharge code or 4999 yuan cash back.

Soldiers' first choice: ICBC military soul credit card

Gold card level, ICBC customers with five stars or above can apply with confidence, and there are five cards to choose from. The advanced weapons and equipment cards of the army, navy, air force, rocket army and strategic support force, see which one you like.

In terms of credit card rights and interests, it provides many privileges for military families, such as free upgrade, "Yongjunbao" deposit, military exclusive insurance, military "e-loan" credit consumption loan, and military security card.

I would like to ask what kind of ICBC credit card is good?

Different types of credit cards of ICBC have different characteristics and cannot be generalized. At present, several popular products are:

1, ICBC Struggle Card.

This card is suitable for office workers, and ordinary cards and gold cards are easier to handle. Users can enjoy tolerance, 0 foreign exchange fee, account security insurance and other related rights and interests.

2. ICBC car plus credit card.

This card is suitable for car users to apply. Users can enjoy 6% cash back discount when they refuel at the designated Sinopec gas station on Sunday, and they can also enjoy (1) car card platform discount (car purchase, car washing, etc. ).

3. Universal installment credit card.

The card is suitable for college students to apply, and the application threshold is low. After the application is successful, the user will get two cards, one is a co-branded card, and the other is a consumer card specially used for consumption and cash withdrawal on the "installment music" platform. Users can enjoy an interest-free period of up to 56 days when using this card.