Credit cards (debit cards) have a certain credit limit. After successfully applying for ICBC credit card (debit card), the cardholder can swipe the card or withdraw cash in the bank, borrow money through the overdraft function of the credit card (debit card), and then pay off the debt before the repayment date.

Credit card (debit card) Credit card (debit card) consumption has a certain interest-free period. As long as the repayment is made before the repayment date, the bank will not charge interest, but a certain handling fee will be charged for using a credit card (debit card) to withdraw cash, and interest will be charged at five ten thousandths of the withdrawal amount every day after withdrawal until it is paid off.