Interest-free, no interest. The unpaid amount beyond the interest-free period shall bear interest at the rate of five ten thousandths per day from the date of consumption.

There is no interest-free period for withdrawal.

1. "Interest-free repayment period":

Refers to the time period during which credit card holders can enjoy interest-free treatment from the bank bookkeeping date to the due repayment date (inclusive), except cash withdrawal and transfer overdraft transactions.

2. "All payables":

Refers to the sum of accumulated transaction amount, interest, expenses, etc. The credit card holder has kept an account in the bank, but has not repaid it as of the current billing date.

3. "Minimum repayment amount":

Refers to the minimum amount that the credit card holder should repay before the due repayment date stipulated by the bank, which is the sum of the unpaid part of the minimum repayment amount in the previous bill and the account overdraft balance on the current billing date 10%.

4. "Over-limit fee":

Refers to the amount that the credit card holder should pay to the bank in accordance with the regulations when the account exceeds the credit line approved by the bank and the account exceeds the limit (that is, the accounting date of the transaction amount of the issuing bank). The over-limit fee for Peony Dual-currency Credit Card is charged at 5% of the over-limit amount, with a minimum of 1 RMB and a maximum of 500 yuan RMB. No charge for the time being.

5. "Late payment fee":

Refers to the amount that the credit card holder should pay to the bank according to the regulations if the minimum repayment amount is not repaid before the due repayment date (inclusive). The overdue fine of Peony Dual-currency Credit Card is charged at 5% of the unpaid minimum amount, with a minimum of 1 RMB and a maximum of 500 yuan RMB.