You can use ICBC credit cards to make overdraft purchases within the credit limit. However, before consumption, you need to hold a valid ID card and credit card to apply for online banking registration at a designated branch that can handle electronic banking services in the place where you open an account, activate e-commerce functions, and apply for a password card or U-shield at the same time. If it is a Peony credit card, there is no interest-free repayment period and minimum repayment amount for this card. The overdraft amount and interest on the Peony credit card must be returned within 60 days (inclusive) after the bank accounting date. Overdraft interest is calculated based on the daily interest rate of 0.5% from the overdraft recording date, and loan interest is calculated on a monthly basis.

If it is a Peony credit card or an international credit card, there is an interest-free repayment period of 25 to 56 days for card purchases. The repayment due date is the 25th of every month. For example, if you overdraft on March 1st and need to pay off the money before April 25th, you can enjoy the longest interest-free repayment period of 56 days; if Overdraft consumption on March 31st also needs to be paid off before April 25th to enjoy the shortest 25-day interest-free repayment period.

But there is another thing that the poster needs to pay attention to. Credit card overdraft consumption is very good, but it should be noted that overdraft consumption requires a handling fee, and all handling fees must be paid every month. You still have to pay it all in full. In addition, you must repay it in full and on time every month. If you forget to pay it once, you will incur penalty interest and there will be a record of overdue payments. I hope the poster can develop good consumption habits. I hope my answer can help the original poster!