The premise of ICBC e-staging is to have an ICBC credit card. If there is no ICBC credit card, you must apply for an e-installment credit card. So, what is this ICBC e-installment credit card? What's the difference with ordinary credit cards? Let's introduce it to everyone.
What is ICBC e installment credit card?
E-installment credit card is ICBC e-installment credit card, which is an electronic card, that is, a virtual credit card, without a physical card. Users can apply through self-service terminals and smart phones. At the store. The process is as follows: "I want to apply for a card"-"I want to apply for a new credit card"-enter "e" in the search bar and select "e installment credit card". After successful application, you can get a set of electronic++cards, card bin6229 13.
Unlike ordinary credit cards, e-installment credit cards cannot be used for credit card consumption, nor can they be bound to Alipay and WeChat online consumption. However, although it is a virtual card, the e-installment credit card also has a service life, and the validity period is 10 year. You can change your card like UnionPay Puka when it expires; And you have to charge an annual fee of 50, and the exemption terms are the same as ordinary credit cards.
How to use ICBC e-installment credit card?
ICBC e-installment credit card is only used at the counter to handle e-installment business and repayment business, and no password is required.
E installment credit card does not need to be activated in advance. Users only need to register online banking and mobile banking in advance when registering e-installment loan, and then when applying for e-installment, the system will automatically activate the e-installment credit card and add it to the registered online banking/mobile banking instead of directly activating it.
E installment repayment, users can directly deposit e installment credit card or handle automatic repayment.
The above is the introduction of "What is the installment credit card of ICBC e". I hope it will help everyone. In a word, e-installment credit card is a kind of virtual credit card, which has no entity++and cannot be used for credit card consumption like ordinary credit cards. It can only be used for E installment business and counter repayment business.
Icbc customized installment card
Customized installment credit card is a personal credit card launched by ICBC for high-quality personal housing mortgage loan customers.
Use this card to enjoy the following special services:
1. High limit: exclusive credit for installment consumption, with a maximum limit of 800,000;
2. Long term: the longest period is 5 years, and some high-quality customers can reach 8 years;
3. The initial amount is low: the initial installment amount is 100 yuan or the corresponding++;
4. Automatic installment, convenient and quick: successful consumption can be converted into installment payment;
5. Personal customization, as you like: you can adjust the number of installments by yourself and set different customized installments for different consumption amounts.
Introduction of ICBC happiness installment credit card
Happiness customized installment credit card is a UnionPay brand entity-free digital credit card, with RMB as the currency and general card level. With this card, you can enjoy the following benefits:
1. 50 yuan per card every year, and the annual fee will be reduced when the consumption reaches 55,000 yuan in that year;
2. Enjoy a 3-day repayment grace period;
3. Free account security lock;
4. Online and offline merchants can spend all the money in 600 yuan by stages, and then it will be automatically converted into 24 customization stages. As of June 65438+February 3, 20221,you can enjoy the preferential rate in the customization stage.
(Answer time: April 2022 15. In case of business changes, please refer to the actual situation. )
The happiness of ICBC is in stages.
Worth it.
Happiness installment credit card is an exclusive installment card launched by ICBC, and customers can handle "e-installment" business through happiness installment card. Generally speaking, the happiness installment card is ICBC's credit card, but this credit card cannot be directly consumed. He needs to go to the bank counter, handle the e-installment business and transfer the money on the happiness installment card to the personal savings card before he can use it. It is worth noting that the money transferred to the personal savings card can only be used for credit card consumption and cannot be withdrawn.
Happiness installment cards will not be reflected in newspapers in the form of consumer loans alone, but will be collected in the form of credit cards after successful handling. The monthly repayment amount and the total amount owed can still be found out and recorded in the inquiry record. Outstanding debts are also personal liabilities, no.
Conducive to the approval of loans and credit cards.
ICBC (E) has 12, 24, 36 and 42 issues, with a maximum of 60 issues to choose from. From April/KLOC-0 to June 30, 2020, the preferential interest rate for customized installment of happiness installment credit card is 0.75%, with three installments; 6 issues1.5%; 2.25% in the ninth period; 12 3.00%; 18 4.50%; 6.00% in 24 periods; 36 periods 9.00%; 48 issues12.00%; 60 issues 15.00% (the price is subject to the announcement of local ICBC). Direct installment, consumption-to-installment, bill installment and SMS installment shall be subject to the existing minimum price rate standard, and the price after July 2020 1 shall be subject to the announcement of local ICBC. Branches can float the rate according to the local market conditions. This interest rate is very, very low and it is the most conscientious product in the financial field.
People who have a house, a car and social security or provident fund assets are suitable to apply for this card at the bank counter. Take everything that can prove your assets to ICBC's outlets to apply for a happiness installment card. The amount is definitely much higher than the online application. But if you don't have a house or a car or something, you can apply for a happiness installment card like this, and you can use WeChat directly. This will be beneficial to our application on mobile phones. As soon as the application is passed, we will send you a short message with the++of the virtual card, which can be activated directly online. After activation, you can bind Alipay and WeChat for consumption. After spending, he will automatically give you installments. For example, if you choose automatic installment 12 and spend 10,000 yuan, he will automatically divide the 10,000 yuan into 12. You can use it again as long as you pay it back every month. Just like a credit card, you can use it immediately if you return it. The longest credit period is eight years, usually five years; The maximum amount of 500,000 yuan is generally lower for online processing. After the online application is completed, I will not only give you a virtual card++,but also send you a physical card, which will be received in about 3-7 days. This kind of happiness installment card, like the installment card of China Construction Bank, the smart business of China Everbright Bank, Bao Tong of Minsheng Bank, Jin Lingtong of Ping An Bank and Le installment card of Agricultural Bank, has independent quotas.
Can ICBC's customized installment credit card limit be increased?
ICBC's customized installment credit card quota can be increased.
The following are tips for increasing the quota for reference only:
1. The frequency of swiping cards is high.
In daily life, it is best to develop the habit of swiping your card when you can. On the one hand, you can++the interest-free period of the bank and add a little extra wealth management income for yourself. On the other hand, you have virtually become an active user of the bank. Usually the bank will give a quota to the active users of the bank.
2. Sustained and stable consumption takes a long time.
Generally speaking, for credit cards with cardholders over 1 year and monthly transactions, banks will take the initiative to withdraw the amount. If customers take the initiative to apply for permanent withdrawal, the chances of bank approval are greater.
3. There are many withdrawals, and credit card installment is often done.
Cardholders who frequently withdraw cash from credit cards have a very high risk coefficient to banks, but cardholders who withdraw cash at the same time have the highest contribution to banks; The risk of staging users is relatively low, but the contribution is not low. Therefore, for credit cards that mainly rely on interest and intermediary business as income-generating means, cash withdrawal and installment users are the favorite of banks, and the relative success rate of applying for credit line withdrawal will be high.
4. The consumption amount is high.
Irregular large-scale consumption, which can be repaid normally afterwards, is usually defined as a quality customer by banks. After judging whether the cardholder has a large demand, increase the credit limit as appropriate.
Launch ICBC credit card installment business "happiness installment" to meet your individual needs.
In order to integrate and upgrade the credit card installment business, ICBC adopts the concept of "happiness installment" to provide more comprehensive installment services for the majority of ICBC credit card holders and better meet the individual needs of each cardholder. Let's introduce ICBC's credit card installment business to make credit card installment more professional.
1, e staging
It is a large loan business for ICBC's credit card customers, which relieves the financial pressure by stages, and the longest installment period can reach 8 years. The money applied for is directly transferred to a special debit card, which can be used for large consumption needs such as car purchase, rental, home improvement, wedding, education and tourism.
2. Car staging
For ICBC credit card holders who need to buy a car, they can provide car purchase service by stages for popular brands, enjoy preferential discounts for car purchase by stages, and enjoy the minimum 0 installment handling fee for car purchase.
3. Bill installment payment
When ICBC credit card holders can't repay in full on the credit card repayment date, they can apply for bill installment and bear the corresponding installment fee according to the number of installments.
4. Turn consumption into stages
After spending with ICBC's credit card, the cardholder can convert one or more eligible consumer transactions into installment payment within the interest-free period of due repayment.
5. Consumption stage
To provide customers with installment payment services in decoration, parking space, rental, tourism, education and other diversified consumption fields, with flexible installment and preferential rates to meet customers' large consumption needs.
6. SMS temporary storage
After ICBC credit card holders swipe their cards, the bank will send an invitation message to eligible customers, and the cardholders can apply for installment by replying to the message.
7. Customize installment credit card
When opening an account, credit card products with customized installment function will be opened at the same time. After successful consumption, it will be automatically converted into installment payment. Customers can adjust the initial installment amount and installment number by themselves, and different customized installment numbers can be set for different consumption amounts.
The above is the credit card installment service that ICBC credit card holders can enjoy. Different installment services have different installment needs, and cardholders can choose flexibly.
Icbc e installment fee preferential activities: 30% discount on the interest rate of large consumer loans
Let's stop here for the introduction of ICBC's installment custom credit card.