Method 1: ICBC draws interest from credit card overdraft. ICBC Peony Credit Card overdraft withdrawal has no interest-free repayment period, and local overdraft withdrawal has no handling fee. Overdraft interest shall be calculated at the daily interest rate of 0.5 ‰ from the second day of the overdraft trading day.

Method 2: ICBC credit card overdraws consumer interest. The interest-free repayment period of ICBC Peony Credit Card is 25 to 56 days. The due repayment date is the 25th day after the bill date. The cardholder can repay according to the minimum repayment amount stipulated by the card issuer, and the minimum repayment amount is not less than 10% of the overdraft balance. If the minimum repayment amount cannot be repaid before the end of business on the due repayment date, in addition to paying overdraft interest according to the above interest-bearing method, a late fee of 5% of the unpaid minimum repayment amount shall also be paid.