Industrial and commercial credit cards are different from credit cards. Industrial and commercial credit cards are quasi-credit cards.

There is no interest on industrial and commercial credit card deposits. Industrial and commercial credit card deposits have interest, and the interest is calculated on a current basis. Industrial and commercial credit cards have an interest-free period, which ranges from 25 to 56 days. There is no interest-free period for industrial and commercial credit cards.

The credit limit of an industrial and commercial credit card is based on the credit rating of the cardholder. The standard industrial and commercial credit card has a limit of 5,000 yuan, and the gold card has a limit of 10,000 yuan.

If you swipe your credit card five times a year or spend over RMB 500, the annual fee for the next year will be waived.