ICBC Baby Growth Card cannot handle loans.

Baby growth card introduction

"Baby Growth Card" is a theme card specially designed by our bank for underage customers and their parents such as infants, teenagers, primary and secondary school students below 16. The card is issued in the form of "baby card, father card and mother card" with the family as the unit.

☆ Product connotation

Advocate scientific education and cultivate financial management consciousness. Parents use the "baby growth card" as a carrier to inspire their children's financial awareness through parent-child activities, teach their children to use bank cards and financial services, and help them establish a correct outlook on wealth, values and society.

Advocate scientific financial management and cultivate a sense of responsibility. Both parents jointly accumulate growth funds for their children and rationally plan financial expenditures such as education, which reflects parents' selfless dedication to their children and responsibility to their families.

Advocate love education and cultivate gratitude consciousness. When the child becomes an adult, a talented person and a family, this "baby growth card" which records the child's growth trajectory will become the best gift for parents to give their children. Every time a child sees and uses this card, he will think of his constant gratitude to his parents and society, and urge him to repay his parents, serve the motherland and enhance his sense of responsibility.

☆ Product function

One card can do many things. Cardholders can handle personal financial services such as savings and wealth management, transfer and remittance, credit card consumption and self-service. Cardholders can use it at China Industrial and Commercial Bank outlets, ATMs, POS, self-service terminals, online banking, telephone banking, mobile banking and ATMs and POS with UnionPay logo at home and abroad.

Growth fund. Father's love card and mother's love card automatically deposit funds into the baby card on a regular basis, and parents jointly accumulate growth funds for their children. Parents can also educate their children to save pocket money, lucky money and scholarships. Cultivate children's saving habits in cards.

Growth guarantee. Provide the exclusive children's education insurance product-"Taiping Happy Baby Comprehensive Financial Plan", and enjoy the services of domestic and foreign pediatricians' appointments, weekly health messages, emergency rescue, etc. (subject to the description of insurance products).

Growth commemoration ★. Booking customized personalized cards, exclusive precious metal products, growth cards, flash cards, electronic photo frames and other supporting products and services, and recording the dribs and drabs of children's growth path will become an extremely precious growth memorial and good memory, and accompany their children with their parents' love for life.

Grateful return ★. After children work, they can automatically deposit funds into the father's love card and mother's love card regularly through the baby card, so that parents can live a carefree life and enjoy their old age, reflecting their gratitude and sense of responsibility to their parents.

Learning assistant. Children studying abroad are provided with a package of services, such as transfer and remittance, tuition payment, purchase of foreign exchange for studying abroad, remittance, witness account opening, and tax refund in consumption abroad. So as to become a good assistant and partner for children's study and life, and help children realize their desire to learn.

Note: The online time of products and services marked with ★ is subject to the bank announcement.

Statement of responsibility

The contents of this page are for reference only, and the specific business handling standards are subject to the regulations of the local branch of Industrial and Commercial Bank of China. In order to save your time, please consult the local industrial and commercial bank in detail before going through the relevant formalities.

2. What is the credit card of China Industrial and Commercial Bank?

Credit card or

Generally, we divide bank cards into three categories, namely: borrowing.

First, debit cards, we deposit money in the bank, which is equivalent to lending us money, so the bank will pay us interest. This card means that you can only use the money you have saved.

Second, credit cards, bank loans to us, within the credit line and within the specified time without interest. Generally, the maximum loan time is 5656 days, and a high fee will be charged.

Third, quasi-credit cards, banks let us deposit and lend us some money. When the money is not enough, you can borrow it from the bank and calculate the interest, and you must pay it off in one lump sum within the specified time (usually within 30 days). In other words, there is no interest-free period, so you can't repay by installments!

3. What is the ICBC Easy Loan Card?

Card, overdraft limit is determined by personal salary. Personally, I think it is necessary to do it.

But the single consumption must be above 600 yuan.

Don't put money in it, remember! Because you have saved it, you won't be allowed to withdraw cash, you can't withdraw cash or transfer money at ATMs and counters, you can only spend it.

The interest rate is the benchmark interest rate of the central bank, which is more cost-effective.

You can overdraw for up to 24 months and pay by installments.

4. What is the credit card of China Industrial and Commercial Bank?

Credit card or quasi-credit card.

Generally, we divide bank cards into three categories: debit cards, credit cards and quasi-credit cards.

First, debit cards, we deposit money in the bank, which is equivalent to lending us money, so the bank will pay us interest. This card means that you can only use the money you have saved.

Second, credit cards, bank loans to us, within the credit line and within the specified time without interest. Generally, it can be kept for up to 56 days. If you borrow money for more than 56 days, you will charge high interest. Of course, the bank also allows you to pay it back in installments.

Third, quasi-credit card, the bank requires us to deposit some money and pay us interest; Then lend us some money. You can borrow money from the bank when it is not enough, but the interest is calculated from the day when it is spent, and it is required to be paid off in one lump sum within a specified time (usually within 30 days). In other words, there is no interest-free period, so you can't repay by installments!