If it is for consumption, you can use your credit line completely; If it is a cash withdrawal, you can only use 50% of your credit limit and repay it on the 25th of each month. Overdraft in the current month shall be repaid before 25th of the following month (including 25th). After the repayment date, I was charged with late fees twice in a row, so I don't want to apply for a credit card at ICBC. ICBC's bad user standard is twice overdue, and the interest is paid from your actual consumption.