What are the benefits of ICBC Platinum Credit Card?

How about the ICBC Platinum Credit Card?

The Platinum Credit Card among ICBC credit cards is the best, with the highest limit. The maximum limit for users can be as high as 200,000 to more than 1 million. Compared with ordinary cards, the limit is several times higher. Times, because the credit limit of ICBC credit card regular and gold cards is usually less than 50,000 yuan, and the credit limit of ordinary cards rarely reaches tens of thousands of yuan, while the credit limit of platinum cards is usually more than 5 yuan.

The platinum credit card among ICBC credit cards is a higher-level type. Cardholders can enjoy many exclusive benefits and services, but the annual fee of platinum credit cards is generally high. For example: ICBC's platinum credit card has a maximum limit of 200,000 and an annual fee of 2,000. You must swipe the card every year for 200,000 to be exempted.

The above is the answer to which ICBC credit card limit is higher. I hope it can help you. There are many types of ICBC credit cards, and the limit is estimated based on the type and the user's qualifications. The specific information depends on the detailed data when applying for the card.

Among the many credit cards of ICBC, the Platinum Credit Card of ICBC has a relatively higher limit. At present, the ICBC credit card limit is 0-50,000 yuan for regular cards; the gold card limit is 15,000-50,000 yuan; and the platinum card limit is more than 50,000 yuan. The Platinum Card not only has a high limit, but also has many benefits.

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1. Types of ICBC credit cards

Credit cards are usually divided into different categories according to different brands, different objects, and different levels. Below we Let’s take a closer look at the types of ICBC credit cards.

1. According to the brand of ICBC credit cards, they are divided into: Peony Visa Card, Peony MasterCard and Peony Express Card;

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 issuance objects of ICBC credit cards, they are divided into: business cards and personal cards, of which personal cards are divided into main cards and supplementary cards.

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

2. ICBC Credit Card Limit

The limit of any credit card is scored by the bank based on the applicant’s application conditions, application materials, credit record, etc. The score gives the applicant a certain limit. Generally speaking, the limit for the regular card is 3,000~10,000, the limit for the gold card is 10,000~50,000, and the limit for the platinum card is more than 50,000. The specific amount of quota you can get during your application depends on your overall strength.

What are the advantages of ICBC credit cards?

Advantage 1: For all ICBC credit cards, local bank cash withdrawals are free of charge;

Advantage 2: ICBC’s There are many outlets, and the types of cards meet the needs of all types of people;

Advantage 3: The consumption password can be selected in three ways: no password is required for all transactions; a password is required for all transactions; a password is required for transactions above the limit

Advantage 4: All ICBC credit cards have natural monthly accounting, which is convenient for memory

Advantage 5: ICBC’s credit cards are rich in types and have a wide range of choices - quasi-credit cards, RMB credit cards , dual-currency credit cards (US dollars, euros, Hong Kong dollars); VISA, MASTER, AE, and UnionPay standard cards are available.

Is the ICBC Platinum Digital Card good? The main benefits are here!

Many cardholders feel that in terms of small credit card limits, ICBC’s limits have always been relatively high. ICBC cooperated with UnionPay to create a "card", which is the ICBC Platinum Digital Card. Users only need to apply on the ICBC Mobile Banking APP. Many cardholders have questions: Is the ICBC Platinum Digital Card good? What are the rights after applying?

Is the ICBC Platinum Digital Card good?

In essence, the ICBC Platinum Digital Card is a credit card, which has the basic functions of a credit card, including overdraft consumption, cash withdrawal, etc.

However, the ICBC Platinum Digital Card is different from traditional credit cards. First of all, it eliminates the cumbersome application process. When users apply for traditional credit cards, they must either go to a bank or apply online, which is very time-consuming and labor-intensive. If you miss some information or fill in the wrong information, you will have to take time to apply again. Even if the user chooses to apply online, after approval, he or she has to go to the bank to handle it or wait for someone from the bank to come to handle it.

The ICBC Platinum Digital Card only requires users to fill in the information and submit the application on the mobile banking APP. If the information is accidentally filled in incorrectly, the user can choose to resubmit the application at any time. After users apply, the approval can be completed as soon as the same day, and the limit is no less than that of traditional credit cards.

In addition, the ICBC Platinum Digital Card does not have a physical card. There is no need to take the card with you when using it. Users can bind Union Quick Pass, Alipay or WeChat if they want to use it.

What benefits can you get with the ICBC Platinum Digital Card?

According to ICBC’s official customer service answer, after activating and binding Cloud QuickPass, cardholders can receive 10 free coupons from China Resources Vanguard, FamilyMart, Walmart, Yonghui, and Carrefour chain convenience stores. 1 Yuan consumption discount coupon each; cardholders who successfully apply for insurance can obtain free theft loss insurance with a maximum insured amount of 30,000 Yuan.

Cardholders who spend 6 days in the country every quarter and have at least one 20-yuan UnionPay QR code scanned transaction every day can get four items: JD.com PIUS, Tencent Video, Zhihu Selection, and KEEP. Choose one of the membership benefits. In addition to these, ICBC Platinum Digital Card cardholders can also receive multiple benefits such as Yicang Art Museum ticket discounts, cross-border payment cash rebates, and “Excellent Plan” discounts.

The above is the answer to the question "Is the ICBC Platinum Digital Card good?" I hope it can be helpful to everyone!

What are the advantages and disadvantages of ICBC’s Platinum Card and Gold Card?

What are the advantages and disadvantages of ICBC’s Platinum Card and Gold Card?

ICBC The Platinum Card is a relatively high-level card within ICBC. It is a credit card. The star rating must reach double six stars before it can be applied for. However, it is a credit card. Its requirement is that the annual card consumption must reach 200,000. It has priority check-in at the airport. machine treatment.

1. The requirements for applying for a platinum card are relatively high, and it has a very high card consumption limit every year. If the card consumption limit is not reached, a larger annual fee will be deducted.

2. The gold card, that is, the VIP card, is free of annual fees. Now when you go to ICBC to do business, there will usually be a special VIP area.

Does ICBC’s Platinum Card and Gold Card enjoy *** limit?

Now the People’s Bank of China stipulates that if you apply for the same ID card at the same bank, the credit card limit will be *** The one you enjoy is based on the highest card, but some banks can repay on one card, such as China Merchants Bank, and some banks cannot. That means you have two cards, one is 5,000 and the other is 10,000. You used the 5,000 card for 2,000 and the 10,000 card for 3,000. You can't deposit 5,000 into one card. This will cause one to be unpaid and the other to have overpayment. For safety reasons, it is better to pay each one back

ICBC Platinum Card

The Platinum Card is also a type of credit card. There is no charge for non-card deposits made by credit cards in other places.

There is no charge for depositing Peony Card at the counter with or without a card in this place.

A fee will be charged if you transfer money through ATM or online banking.

What are the advantages and disadvantages of Symantec AntiVirus and Kabbah?

Let’s talk about Symantec Antivirus first. Symantic is a long-established anti-virus software provider and one of the first foreign anti-virus manufacturers to enter China. Symantec has a first-class scanning engine and virus database, which is very good in terms of scanning speed and scanning accuracy. The missed scanning rate is very low, and it also has powerful anti-spyware functions. In terms of monitoring, Symantec provides comprehensive protection to ensure computer security.

However, the system resource usage of Symantec Antivirus is really disappointing. If the hardware device you purchase is less than 4,000 yuan (not including the monitor), it is best not to choose Symantic Antivirus. In addition, once Symantec Antivirus is installed, it is difficult to uninstall and clean it, and it is prone to conflicts with other software.

Kaspersky Antivirus (hereinafter referred to as Kav, not Kingsoft Antivirus Kav) is the anti-virus software I am using now, and it is also known as the "world's best" anti-virus software on the Internet. Indeed, Kaspersky does have its strengths. The first is the scan engine. Kav's scan miss rate is the lowest in the world in the latest evaluation, and its scan engine claims to be able to scan every corner of the system without leaving any blind spots. Its virus database update frequency is the highest in the world, claiming to be updated every hour (the software is preset to check for updates every 3 hours), and its response to new viruses is very fast. The number of virus samples in its virus database is unmatched by many anti-virus software. Kav also has a virus monitoring agency in China, so there is no need to worry about slow response to domestic viruses and Trojans. In addition, by setting the virus database and changing the standard virus database to the extended virus database, you can also obtain powerful anti-spyware functions. At the same time, Kav uninstallation is very clean and does not leave any system garbage.

Although the Kav system occupancy rate is a bit high, it definitely pales in comparison to Symantec's products. But the most intolerable thing about Kav is its scanning speed, especially the speed of the first scan. From this point of view, Kav’s missed scan rate, which is the lowest in the world, comes at a cost. In terms of monitoring, some people on the Internet think that Kav's monitoring capabilities are not good, but I think Kav's monitoring capabilities are not as bad as what is said online. First of all, the security is not bad, but in order to improve its security capabilities, the software will automatically scan the executable program when it is executed. Therefore, when the executable program is executed, a process with high CPU usage will occur, but generally No adverse effects will occur. If you really don't want to use Kav's monitoring, you can turn it off, install Jiangmin anti-virus, and use Jiangmin's monitoring. Kav is only responsible for scanning. Another shortcoming of Kav is that it provides too few functions. Things like login file monitoring, behavior monitoring, vulnerability scanning, etc. are not provided.

What are the advantages and disadvantages of Lightroom and Aperture?

The biggest advantage of Aperture is that it can use the Apple system to maximize its functions. However, under the competition of LR, Apple The company has announced that it will no longer develop a new version of Aperture in the future. Apple is helping users smoothly migrate to LR. Now LR has surpassed Aperture in all aspects, and its development will be rapid in the future.

Lightroom's post-processing capabilities are basically unmatched. It should be said that it is better than Aperture overall, and its noise reduction algorithm is particularly famous. But it's fundamentally designed for professional photographers' post-processing workflows. Aperture's post-processing functions (although quite powerful) are more like an expansion suite for comfortable photo management.

Now this problem is gone. Apple has announced that it will no longer update aperture and will help aperture users transfer to LR. LR has also released a software to help transfer files. At this point, aperture has officially exited. In order to compete with LR, Lightroom has evolved in less than ten years and has become the number one professional photo processing software on both IOS and Windows platforms.

Overall, Aperture is easier to use than Lightroom.

Lightroom’s advantage is its rich tutorials and resources. Presets and some lens corrections are Aperture’s current shortcomings.

In terms of basic color adjustment functions, both are actually similar. Lightroom and Adobe series software are more closely integrated, but currently they are all universal TIFF or DNG, so compatibility is a false proposition.

In terms of photo management, I personally feel that Aperture is better. Concepts such as Vault and Library are very easy to use; Aperture3 currently opens the library very quickly. Lightroom feels more like treating the photos as a guest and outputting them after modifications.

So:

If you are a professional user, for better photo circulation, I think Lightroom is better. It also means that you have to use other archive management methods to manage photos (which is also an advantage for some people).

If you are a photography enthusiast, I think Aperture is a very balanced solution.

Although I am currently dissatisfied with Aperture, its benefits are also very obvious, so I still use Aperture. Sometimes, to make finer adjustments, I'll export to Lightroom for detailed adjustments.

In addition, if you are a genuine user, after comparing the prices, you will choose Aperture without hesitation, because the price advantage is too obvious.

What are the advantages and disadvantages of CodeMirror and ACE?

Both functions are very powerful. Basically, mainstream editor functions can be implemented, and both can be easily expanded. , add functions or increase supported language types.

Relatively speaking, codemirror has more users, and the ecological environment is relatively sound, so the plug-ins are relatively complete, with basically everything you can think of, and it is also used by many online applications.

ICBC Platinum Card What are the uses of ICBC Platinum Card? What is the annual fee for ICBC Platinum Card?

ICBC Platinum Card is ICBC’s highest-level bank card. It has the functions of a general credit card, but enjoys more benefits, such as: no handling fees for depositing and withdrawing cash at home and abroad, and no handling fees for transfers. Complimentary aviation accident insurance of RMB 4 million, VIP lounge services at several domestic and foreign airports, exclusive account manager, etc.

The annual fee for the platinum card is 2,000 yuan, and the annual fee for the supplementary card is 1,000 yuan. If you spend more than 200,000 yuan per year, the annual fee will be waived

No annual fee for the platinum card. Can the annual fee be waived for ICBC's gold card and platinum card?

Is there a free lunch in the world? ICBC website: icbc../icbc/

Peony card business charging standard

Charging project charging standard preparation notes

Annual fee Peony dual currency credit card personal card The main card of Peony Platinum Card is 2,000 yuan/card/year; the supplementary card of Peony Platinum Card is 1,000 yuan/card/year

The main card of gold card is 200 yuan/card/year; the supplementary gold card is 100 yuan/card/ Year

Ordinary card primary card 100 yuan/card/year; ordinary card supplementary card 50 yuan/card/year

Business card gold card 400 yuan/card/year; ordinary card 200 Yuan/card/year

Peony RMB credit card personal card gold card main card 100 yuan/card/year; gold card supplementary card 50 yuan/card/year

Ordinary card owner Card 50 yuan/card/year; ordinary card supplementary card 25 yuan/card/year

Business card gold card 200 yuan/card/year, ordinary card 100 yuan/card/year

Peony quasi-credit card personal card Gold card main card: 50 yuan/card/year; Gold card supplementary card 25 yuan/card/year

Ordinary card main card: 25 yuan/card/year; ordinary card Supplementary card 12.5 yuan/card/year

Business card gold card 100 yuan/card/year, ordinary card 50 yuan/card/year

Peony special card personal card 20 yuan/ Card/Year

Business Card 20 Yuan/Card/Year

Peony Smart Card Electronic Wallet Card Renewable Wallet Card 10 Yuan/Card/Year

Peony International debit card personal card flat card 10 yuan/card/year

Embossed card 50 yuan/card/year

Peony co-branded card (identification card) annual handling fee can be higher than The charging standard for the attached card type. Other charging items are the same as the attached card types

In addition to the attached card type charging standards, the color photo card will be charged an additional 50 yuan/card.

The newly issued EMV standard card is 50 yuan/card

The Peony Smart Card electronic wallet card can be renewed and the wallet card is 40 yuan/card

The wallet card cannot be renewed 20 yuan/card

Reissue card/replacement card EMV standard card 50 yuan/card

Peony smart card electronic wallet card renewable wallet card 40 yuan/card

Wallet card that cannot be renewed is 20 yuan/card

Reporting the loss of Peony dual-currency credit card is 20 yuan/card, and it is free for Peony platinum card.

Peony RMB credit card

Peony quasi-credit card

Peony international debit card

Peony special card 10 yuan/card

For the Peony Dual Currency Credit Card, the Peony Dual Currency Credit Card requires 5 yuan/month/month for statements from two months ago (not included); it is free for the Peony Platinum Card.

Peony RMB Credit Card

Peony Quasi-Credit Card

Peony Dual Currency Credit Card Domestic transactions cost RMB 50 for the original and RMB 10 for the copy /copy; foreign transaction copy 5 USD/copy or 5 EUR/copy; free for Peony Platinum Card.

Peony RMB Credit Card

Peony Quasi-Credit Card

Peony International Debit Card

Peony Dual Currency Credit Card for Letter Express Card 20 yuan/card; free for Peony Platinum Card.

Peony RMB Credit Card

Peony Quasi-Credit Card

Peony International Debit Card

Reset Password Peony Dual Currency Loan Card debit is RMB 10 per time, free for Peony Platinum Card.

Peony RMB Credit Card

Peony Quasi-Credit Card

Peony International Debit Card

Credit Card Credit Certificate Unit 100 Yuan/

Individual 50 yuan/share

The over-limit fee of Peony Dual Currency Credit Card is 5% of the excess credit limit, with a minimum of 1 yuan or 1 Hong Kong dollar or 1 US dollar or 1 euro, up to 500 yuan or 500 Hong Kong dollars or 100 US dollars or 100 euros.

The Peony RMB credit card charges 5% of the excess credit limit, with a minimum of 1 yuan and a maximum of 500 yuan.

The late payment fee for Peony Dual Currency Credit Card is 5% of the unpaid portion of the minimum repayment amount, with a minimum of 1 RMB or 1 HKD or 1 USD or 1 EUR and a maximum of 500 RMB or 500 HKD or 100 US dollars or 100 euros.

The Peony RMB credit card charges 5% of the unpaid portion of the minimum repayment, with a minimum of 1 yuan and a maximum of 500 yuan.

Foreign exchange fee: Peony Dual Currency Credit Card Visa: 1%; MasterCard: 1.1%; American Express 1.5% (charged by American Express).

Peony International Debit Card Visa: 1%; MasterCard: 1.1%.

Domestic emergency replacement card Peony Dual Currency Credit Card 40 yuan/card

Overseas emergency loss report service Peony Dual Currency Credit Card Visa Gold Card is free, regular card and business card Card 35 USD/card or 35 EUR/card.

MasterCard costs USD 35/card or EUR 35/card; the first two contact numbers are free, and starting from the third one, each call will cost USD 7.75 or EUR 7.75.

Peony International Debit Card Visa Card 35 USD/card

MasterCard 35 USD/card; the first two contact numbers are free, starting from the third one, each phone number is additional Add $7.75.

Overseas emergency cash withdrawal service fee is free for Peony Dual Currency Credit Card, Visa Gold Card, and is 175 USD/time or 175 Euro/time for ordinary and business cards. Visa, MasterCard dual-currency credit card and international debit card overseas emergency cash withdrawal service fee, overseas emergency card replacement service fee even if the applicant voluntarily gives up or is rejected by the card issuer, resulting in the emergency cash withdrawal or emergency card replacement service being unable to be applied for Completed, the international organization will still charge a service fee of US$50 for this.

MasterCard costs US$95/time or €95/time; the first four calls are free, and starting from the fifth call, an additional US$7.75 or €7.75 will be charged for each call.

American Express Card 8 USD/time

Peony International Debit Card Visa Card 175 USD/time Visa, MasterCard Dual Currency Credit Card and International Debit Card Overseas Emergency Cash Withdrawal Procedures Fees and handling fees for overseas emergency card replacement. Even if the emergency cash withdrawal or emergency card replacement service applied for cannot be completed because the applicant voluntarily gives up or is rejected by the card issuer, the international organization will still charge a service fee of US$50.

Overseas emergency card replacement service is free for Peony Dual Currency Credit Card, Visa Gold Card, and 175 USD/card or 175 EUR/card for ordinary and business cards. Visa, MasterCard dual-currency credit card and international debit card overseas emergency cash withdrawal service fee, overseas emergency card replacement service fee even if the applicant voluntarily gives up or is rejected by the card issuer, resulting in the emergency cash withdrawal or emergency card replacement service being unable to be applied for Completed, the international organization will still charge a service fee of US$50 for this.

MasterCard costs 148 USD/card or 148 EUR/card; the first four contact numbers are free, and starting from the fifth, each call will cost an additional 7.75 USD or 7.75 EUR.

Express Card 125 US dollars/card

Agent for cash withdrawals with foreign cards such as Visa and MasterCard at designated outlets for over-the-counter cash withdrawals, 3% of the cash withdrawal amount will be charged. Charged to cardholders

For over-the-counter cash withdrawals with Diners Club cards at designated outlets, 4% of the cash withdrawal amount will be charged. Charged to cardholders

RMB for remote withdrawals and transfers: 1% of the amount, with a minimum of 2 yuan and a maximum of 100 yuan.

Foreign currency: 2.9% of the amount, with a minimum of 3 Hong Kong dollars or 3 US dollars or 3 euros (including domestic and foreign). Domestic transactions with Peony Platinum Card are free.

For RMB deposits and transfers to other places with your credit card: 0.5% of the amount is charged, with a minimum of 2 yuan and a maximum of 100 yuan;

Foreign currency: 0.5% of the amount is charged , the minimum is 3 Hong Kong dollars or 3 US dollars or 3 euros, and the maximum is 100 Hong Kong dollars or 15 US dollars or 15 euros (including domestic and overseas). No charge for now. Domestic transactions with Peony Platinum Card are free.

RMB deposits and transfers to other places with credit cards without a card: 0.5% of the deposit and transfer amount, with a minimum of 2 yuan and a maximum of 100 yuan; foreign currency: 0.5% of the deposit and transfer amount, with a minimum 3 Hong Kong dollars or 3 US dollars or 3 euros, up to 100 Hong Kong dollars or 15 US dollars or 15 euros (including domestic and overseas). No charge for now. Domestic transactions with Peony Platinum Card are free. No card means no personal credit card. For corporate customers who have signed a centralized financial management agreement with our bank, no-card remittances to their employees' credit cards are exempted.

Cross-border inquiries 4 yuan/transaction

Cross-border ATM cash withdrawals with RMB accounts/cards are charged in RMB (1% of the cash withdrawal amount, 12 yuan), with a minimum of 14 yuan/transaction and a maximum of 112 yuan/pen.

Cash withdrawals from inter-bank ATMs are RMB 4 per transaction, and a handling fee for cash withdrawals from other places will be charged. Except for Guangdong, Xiamen, Zhejiang, Jiangxi and other places, the fee is 4 yuan/transaction, and other regions apply 2 yuan/transaction.

What are the benefits of the ICBC Platinum Card?

The Platinum Card can enjoy many value-added services provided by the bank.

1. Airport VIP lounges are of little use if you have few business trips.

2. Playing golf for free is of no use if you don’t know how to do it.

3. Skip the queue at the bank, which seems to be more practical.

4. Annual physical examination, I personally think this is good, but after arriving at the hospital, you must be able to withstand the hospital's deception, otherwise you will spend a lot more money.

5. Complimentary high-value aviation accident insurance, etc. This is the same as the first point above.

In short, having a platinum card represents good credit, outstanding status and the bank’s trust in the cardholder

The platinum card is a high-end credit card launched by ICBC

Generally, the requirements for applying for a platinum card are higher, and it has a very high card consumption limit every year. If a certain card consumption limit is not reached, a larger annual fee will be deducted.

This is the end of the introduction to the benefits of ICBC Platinum Credit Card.