The difference between quasi-credit card and credit card;

(1) quasi-credit card deposits bear interest (calculated at the current interest rate), and credit card deposits do not bear interest.

(2) Quasi-credit cards do not enjoy the interest-free repayment period, while credit cards can enjoy the interest-free repayment period of 25 days at the shortest and 56 days at the longest.

(3) Credit limit: 5,000 yuan for quasi-credit card and 0/0000 yuan for gold card/kloc. Credit card depends on the credit status of the applicant.

(4) Peony Credit Card installment payment service is only provided to individual customers of Peony Credit Card. Quasi-credit cards cannot be used for installment payment.

(5) Deposits can be transferred. However, if there is no deposit in the card, you can use the credit card limit overdraft to transfer to Peony Credit Card through the counter quasi-credit card, but you can't transfer the overdraft to Linksys card. The overdraft transfer of RMB credit cards in China shall not exceed 2,000 yuan per day. Operating rules of online banking: quasi-credit cards do not support overdraft transfer. Operation of ATM: When peony quasi-credit card transfers money to Tongling card through ATM, the credit line cannot be used. However, the quasi-credit card can be converted into peony credit card through overdraft credit card limit. If it is overdraft transfer, the quasi-credit card cannot exceed the overdraft ratio.

(6) The overdraft period of Peony quasi-credit card is 60 days from the bank bookkeeping date, and the overdraft will be charged at the daily interest rate of 0.5 ‰ from the overdraft bookkeeping date. If it is not returned for more than 60 days, it will be deemed overdue.