The main differences between Peony Credit Card and Credit Card are:

(1) Credit card deposits bear interest (calculated at the current interest rate), while credit card deposits do not bear interest.

(2) Credit cards do not enjoy the interest-free repayment period, and credit cards can enjoy the interest-free repayment period of 25 days at the shortest and 56 days at the longest.

(3) Credit limit: 5, yuan for a credit card and 1, yuan for a gold card, and credit card depends on the applicant's credit level.

Peony International Credit Card is issued by Industrial and Commercial Bank of China, which gives cardholders a certain credit limit, within which they can spend first and then repay. It is a universal credit card at home and abroad. The maximum credit for a personal card can reach 5, yuan. For the consumption overdraft within the credit limit, the cardholder can enjoy an interest-free repayment period of 25 days at the shortest and 56 days at the longest by fully repaying before the repayment date stipulated in the statement. Peony International Credit Card can be used at ICBC outlets and special merchants, special merchants and ATMs marked with UnionPay, and overseas acceptance points marked with VISA and MasterCard. Settlement in RMB and a designated foreign currency has the functions of overdraft consumption, transfer settlement, cash deposit and withdrawal, etc. From June, 23, the foreign currency arrears arising from using Peony International Credit Card in consumption abroad or withdrawing foreign currency cash can be repaid by purchasing foreign exchange in RMB, except for transactions prohibited by national laws.