Credit card audit process:
Review the submitted materials: whether the copy of identity certificate, original work certificate, original salary income certificate and application form are complete, and remind them to supplement if they are insufficient;
Enter the credit information stage: verify whether the customer identity information is consistent with the ID card information base, and query the personal credit information system;
Telephone verification: call the applicant himself and his unit to verify that his information and unit information are true and reliable;
Pass the examination and send a credit card.
What does the plus sign on ICBC Peony Card mean? With a dual-currency credit card, you can use the relevant credit card organization or company logo ("VISA", "PLUS", "MasterCard" or "American Express") to withdraw local currency from the ATM abroad. Foreign exchange handling fee is charged for overseas cash withdrawal (refer to peony card business charging standard for specific rates), and you must follow the relevant cash withdrawal regulations of the bank to which the ATM belongs.
2. Withdraw cash from overseas outlets. With a dual-currency credit card, you can withdraw local currency from overseas banking outlets with the relevant credit card organization or company logo ("VISA", "PLUS", "MasterCard" or "American Express"). The settlement method of this transaction is the same as that of overseas ATM withdrawal, and our bank also charges the same fee. If the local bank has other regulations, please follow them.
What does the peony card number of ICBC mean? Similar to China Mobile, China Unicom and Telecom, they all have different numbers. Different card organizations also register different card BINs (that is, the first few cards), the last few cards are arranged in order, and then each card number corresponds to your account number, so that your card can be used.
What does ICBC Peony Card mean to pay off the loan with interest? Daily interest: 1368.5 * 5% = 0.68425.
Days: 65438+1October 5 -26 * * * The remaining 20 days,
65438+1October 26th-February 26th is 30 days.
The total interest is about 0.68425 * (20+30) = = 34.25438+025.
Because your 1368.5 yuan is not all spent on 65438+1October 5, it will be spent several times, and it will be counted several times when calculating, and there will be some discrepancies. This is the maximum interest value, and yours is less than this, which is completely in line with the current rules.
Late payment fee of 6.84 yuan = minimum repayment amount 136.85 yuan *5%.
——————————————————————————————————
Associated automatic repayment requires that the repayment method be selected when signing the agreement, either full payment or minimum repayment amount. Will not automatically choose according to the situation. If the balance is insufficient, no deduction will be made, and the repayment will be unsuccessful (interest will be calculated from the credit card date for all consumption). You need to repay the money in your credit card yourself. According to what you said, your balance is insufficient and there is no deduction. The repayment was unsuccessful. There will naturally be late fees and interest.
The daily interest is five ten thousandths. If there is no deduction or repayment, the interest will be calculated in full from the day of swiping the card.
Now the ICBC credit card has introduced a new method, which only calculates the outstanding interest.
Your repayment is unsuccessful this time, but there is enough money in the card. Suggest calling customer service to handle it. Otherwise, there will be January interest. Good luck.
(China Industrial and Commercial Bank Peony Card Center /88880 152 1) What does this mean? This should be in a personal letter from the central bank. This means which organization inquired about your personal credit report. For example, after you apply for a credit card or withdraw money, the number at the back represents the authorized personnel code of this institution, which can be traced back to prevent personal information from being leaked and maliciously queried.
What does the 0% tax rate mean when handling an ICBC Peony Card account without discount? The deposit in the peony card current account (basic deposit account without passbook current account) bears interest at an annual rate of 0.36% and is settled every three months. The 0% tax rate you described means that there is no deposit interest tax at present.
How to report the loss of ICBC Peony Card? Report the loss to the original bank with the account holder's ID card.
Xiangyang Industrial and Commercial Bank Mudanka Branch China Industrial and Commercial Bank Co., Ltd. Xiangyang Mudanka Branch Business Department
No.31Jiefang Road, fancheng district, Xiangyang
Is there any interest on ICBC Peony Card? According to the interest calculation of current deposit, you need to pay annual fee and small account management fee!
There is no limit to how much ICBC Peony Card can deposit.
Bank card is a credit payment tool issued by commercial banks, postal savings institutions and other financial institutions to the society, which has all or part of the functions of consumer credit, transfer settlement and cash deposit and withdrawal. Bank cards include credit cards and debit cards. Because all kinds of bank cards are made of plastic, they are also used for deposit and withdrawal and transfer payment, so they are also called "plastic money". The size of bank cards is generally 85.60× 53.98 mm (3.370× 2.125 inch), and there are also mini cards and irregular cards that are 43% smaller than ordinary cards.