It is ICBC and it is a credit card. According to the official website of ICBC, ICBC has three types of cards.
1. Peony Money Link Card: It is a savings card that can be used together with a current passbook. Its biggest feature is that the procedure is simple and can be entered with a valid personal ID. It can be done, but overdraft is not allowed.
2. Peony Credit Card: Withdrawal of controlled funds or consumption can exceed the actual amount on the card. The gold card can have an overdraft of 10,000 yuan, and the ordinary card can have an overdraft of 5,000 yuan. When the overdraft amount is not repaid within a few days, the overdraft interest is calculated at 0.5%. However, credit card processing procedures are strict and applicants need to guarantee it.
3. Peony Credit Card: It is a credit card with a higher overdraft limit than a credit card. It has an interest-free period and a larger credit limit. No interest payments or overdrafts required. The amount is between 10,000 and 200,000 yuan, which is more suitable for units and individuals with higher reputation and a certain consumption level.
The ICBC card type can be determined based on the first 6 digits of the card number:
1. Debit card (usually 19 digits): the card number starts with "955880", "955881", "955882" , "622200", "622202", etc., are called "E-Link Cards" or "E"
2. Times Card: Named cards 955888, 622208, 621288, etc. are financial gold cards or Industrial and Commercial Bank of China cards. Wealth Management Gold Card.
3. Credit card (usually 14-16 digits): Card number starts with 3, 4, 5, 6.
In addition, there are the following points:
1. Theme cards: Peony Food Card, National Day 60th Anniversary Card, China Red Card.
2. Co-branded cards: Peony Parkson Card, Peony China Southern Airlines Card, Peony Card, Peony Mango Card, Peony One-Dragon Card, etc.
3. Bank cards issued by Industrial and Commercial Bank of China are divided into savings cards and credit cards. ICBC savings cards are divided into: Money Link Card, Wealth Management Gold Card, and ICBC Wealth Gold Card;
4. The types of ICBC credit cards are: credit card, quasi-credit card, black gold card, platinum card, gold card The cards include ordinary cards, RMB cards, dual cards (including multiple cards), UnionPay cards, etc.
5. ICBC credit cards are the most widely issued credit cards in China. At present, the main types of ICBC credit cards include: Peony International Credit Card, Peony Credit Card, and Peony Credit Card. ICBC credit cards are divided into: Peony Visa Card, Peony MasterCard, and Peony Express Card by brand; by credit level, they are divided into: Platinum Card, Gold Card and Ordinary Card; by issuance objects, they are divided into commercial cards and personal cards. The card is divided into main card and auxiliary card.