In life, we often use bank cards such as credit cards, debit cards and savings cards, but we rarely hear about credit cards. In fact, credit card is a kind of credit card. Credit cards are divided into credit cards and quasi-credit cards according to whether the reserve fund is deposited with the issuing bank. So, what's the difference between ICBC credit card and credit card? Let's get to know each other.

The difference between ICBC credit card and credit card

ICBC credit cards have no interest-free period, and credit cards have interest-free period. Icbc credit card is a kind of credit card, which can be overdrawn, but interest will be calculated on the day of overdraft. Secondly, ICBC credit cards can also be used as ordinary savings cards, and deposits enjoy interest, while credit cards have no interest on deposits, and even a certain handling fee is required to withdraw the overpaid part. ICBC Peony Credit Card is issued by Industrial and Commercial Bank of China, and adopts the internationally accepted consumption pattern of cyclic overdraft. The card issuer gives the cardholder a credit line according to the credit status of the cardholder, and the cardholder can spend first and then repay within the credit line.

The above is the difference between ICBC credit card and credit card. It should be noted that ordinary credit card deposits have no interest, and only quasi-credit card deposits will enjoy interest.