The difference between ICBC credit card gold card and ordinary card is as follows:
First, the credit line is different.
The credit line of ICBC credit card gold card and ordinary card is very different. The credit limit of a general card is generally 3000 yuan to 10000 yuan, while the credit limit of a credit card gold card is usually 10000 yuan to 50000 yuan, which is much higher than that of a general card.
Second, the annual fee is different.
Because the amount of gold card is higher, the annual fee of credit card gold card is much higher than that of ordinary card. Take Peony Dual-currency Credit Card as an example. The annual fee for a gold card is 200 yuan, and the annual fee for an ordinary card is only 100 yuan.
Third, the discount is different.
Because the credit card gold card is higher than the ordinary card, there are usually some discounts that the ordinary card does not have.
ICBC credit card is the credit card with the highest circulation in China. The main types of ICBC credit cards are: 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.
1987 10, Guangzhou Branch of Industrial and Commercial Bank of China officially issued the first regional credit card of the bank and named it "Cotton Card". The red cotton brand is marked by red cotton (the flower of Guangzhou) and rice ear (Guangzhou for short), with Haizhu Bridge in Guangzhou as the base map, and is divided into gold card and silver card, with gold card as the background color and gray card as the background color. The Cotton Tree Card has the functions of saving, transferring and overdrawing, and can be used for deposit, withdrawal, transfer and consumption in Guangzhou and Panyu County.
1989 65438+ 10, ICBC decided to issue credit cards uniformly throughout the bank. 1Feb. 989, ICBC decided to use "Peony" as the name of ICBC's credit card. Peony flowers are beautiful, rich and auspicious, expressing good wishes to cardholders. The status of "King of Peony Flowers" symbolizes the prospect of "the crown of Peony Kaka" and expresses the courage and confidence of ICBC people who are determined to win the championship. The first peony card is based on dark copper color, with gold-plated peony flowers, elegant and elegant, and the style is atmospheric; The main functions include credit consumption, cash deposit and withdrawal and transfer settlement, which are divided into gold card and silver card.
1989 65438+1October 15, ICBC officially issued peony credit cards in Beijing, Tianjin, Shanghai and Guangzhou; About 15 days later, the first cardholder's signed consumption bill returned to Beijing Branch, declaring the Peony Card successful. With the introduction of peony card, the red cotton card as a local credit card has gradually transformed into peony card.
What's the difference between ICBC credit card gold card and ordinary card?
1. Different card colors: ICBC correctly distinguishes different grades of credit cards. Generally, the ordinary cards of ICBC are mainly yellow, and the gold cards of ICBC are mainly gold.
2. Different credit lines: the credit line of ICBC credit card is 1 0,000-1 0,000 yuan, and that of gold card is10,000-50,000 yuan.
3. The annual fee collection standards are different: the annual fee for ICBC's ordinary credit card is charged in 50 yuan per card per year, and the annual fee for gold card is generally charged at 100 yuan per card per year.
Industrial and Commercial Bank of China (ICBC) was established in June 1984 65438+ 10/. The head office is located at 55 Fuxingmennei Street, Beijing. The basic task of China Industrial and Commercial Bank is to raise social funds through domestic and foreign financing activities, strengthen the management of credit funds, support enterprise production and technological transformation, and serve China's economic construction.
As the largest commercial bank in China, China Industrial and Commercial Bank has stepped into the track of coordinated development of quality, efficiency and scale after 29 years of reform and development. The headquarters building of China Industrial and Commercial Bank was designed by SOM Design Company of the United States. High 13 floor, with a construction area of nearly130,000 square meters. It is divided into rectangular area and arc area, and the middle is connected into a whole in the form of overpass.
20 17 In February, BrandFinance released the list of top 500 global brands on 20 17, and China Industrial and Commercial Bank ranked 10. On June 20th, 20 18, the analysis report of China 500 Most Valuable Brands was released, and China Industrial and Commercial Bank ranked 4th. 20 18 in July, the British "Banker" magazine published the list of the top global banks 1000 in 2065 438+0008, and China Industrial and Commercial Bank ranked 1.
20 18 ranked 26th in the Fortune Global 500. 20 18 12 18 The Top 500 World Brands compiled by the World Brand Lab was announced on 20 18, and China Industrial and Commercial Bank ranked 43rd. 2065438+On June 26th, 2009, eight banks including China Industrial and Commercial Bank launched the first batch of enterprise information networking verification systems.
ICBC is the largest credit card issuer in China and one of the most complete credit card issuers. New products such as euro credit card, peony express business card, peony unionpay card, peony sports card and new peony transportation card have been launched one after another; Promote the service system construction of business outlets, VIP customer service centers and other channels; Actively choose overseas institutions to issue cards as agents, and further strengthen cooperation with international card organizations.
While the number and transaction volume of chip cards are increasing, the application fields of ICBC chip cards are also expanding day by day, which has brought many conveniences to residents' daily life. The industrial cooperation scope of ICBC's chip card has covered many special fields such as traffic management, train tickets, expressways, commercial joint names, social security, medical insurance and so on. Through industry cooperation, ICBC's various chip cards have achieved "one card for multiple purposes". Cardholders can not only use it in consumer payment, but also enjoy value-added services in life services such as aviation, railway, public transportation, highway transportation and social security.
What's the difference between ICBC credit card, gold card and ordinary card?
I. Different treatment
1. ICBC Credit Card Gold Card: You can enjoy services such as priority channel treatment, card handling, account inquiry, application for electronic statement, credit limit adjustment, application for credit card security limit, and card upgrading.
2. Ordinary credit card of ICBC: there is no need to deposit the reserve fund, and the cardholder can spend first and then repay within the credit line given by the bank.
Second, emergency assistance services are different.
1. ICBC Credit Card Gold Card: Peony Credit Card VIP Customer Service Center can provide you with emergency cash withdrawal service. Under the condition of not exceeding the available credit limit of peony card account, you can withdraw no more than RMB 2,000 in cash.
2. ICBC Credit Card: You can apply for loss reporting at any outlet of ICBC, and you don't have to go to the card issuing outlet to report the loss. The application for loss reporting by outlets is a formal loss reporting. If you need to report the loss, please go to the peony card issuing department in the area where your credit card account is located.
Third, the annual fee is different.
1. ICBC Credit Card Gold Card: Gold Card 100 Yuan.
2. Ordinary ICBC credit card: the annual fee for ordinary domestic card is 50 yuan.