If you hold the Peony International Credit Card, which is issued by Industrial and Commercial Bank of China, give the cardholder a certain credit limit, and the cardholder can spend first and then repay within the credit limit, which is a common credit card at home and abroad. The maximum credit for a personal card can reach 5, yuan. For the consumption overdraft within the credit limit, the cardholder can enjoy an interest-free repayment period of 25 days at the shortest and 56 days at the longest by fully repaying before the repayment date stipulated in the statement. Peony International Credit Card can be used at ICBC outlets and special merchants, special merchants and ATMs marked with UnionPay, and overseas acceptance points marked with VISA and MasterCard. Settlement in RMB and a designated foreign currency has the functions of overdraft consumption, transfer settlement, cash deposit and withdrawal, etc. Foreign currency arrears arising from using Peony International Credit Card in consumption abroad or withdrawing foreign currency cash can be repaid by purchasing foreign exchange in RMB, except for transactions prohibited by national laws.

if your card is a peony credit card or an international credit card, there will be an interest-free repayment period of 25 to 56 days. The due repayment date is the 25th of each month. For example, if you overdraw 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 you overdraw on March 31, you also need to pay off the money before April 25, and you can enjoy the shortest interest-free repayment period of 25 days.

if you can't repay the overdraft, you can repay the minimum repayment amount before 25th of each month. Minimum repayment amount of Peony Credit Card = accumulated unpaid portion of previous minimum repayment amount+unpaid portion of loans withdrawn and transferred to personal account this month+unpaid portion of consumer loans exceeding cash amount this month+unpaid portion of consumer loans within all limits × 1%. Peony International Cardholders can repay according to the minimum repayment amount stipulated by the card issuer, and the minimum repayment amount is not less than 1% of the overdraft balance.

note: peony credit card and international credit card have no interest-free repayment period, and overdraft interest is calculated at five ten thousandths of the daily interest rate from the overdraft trading day, with compound interest on a monthly basis.

you can use this card on ATM machines marked with "VISA" and "MasterCard", and the total daily withdrawal amount of each card by the cardholder using the credit line shall not exceed 2, yuan (including equivalent foreign currency).

the cardholder of the main card should handle the repayment of foreign exchange purchase in time, so that you can use the card normally.