ICBC credit cards can be repaid in installments, and there is no interest for repayment within the specified time, only handling fees. The number of installments is different, and the handling fees are also different. ICBC has 3, 6, 9, 12, 18 and 24 periods. The handling fees are respectively 1.65% for 3rd period; 3.6% for 6th period; 5.4% for 9th period; 7.2% for 12th period; 11.7% for 18 periods; 15.6% for 24 periods; one-time handling fee is charged.

ICBC credit cards are the credit cards with the highest circulation in China. The main types of ICBC credit cards include: Peony International Credit Card, Peony Credit Card, and Peony Credit Card; according to the brand of ICBC credit cards, they are divided into: Peony Visa Card, Peony MasterCard and Peony Express Card; according to credit level, they are divided into: Platinum Card, Gold Card and Ordinary Card; according to the issuing objects, they are divided into business cards and personal cards, of which personal cards are divided into primary cards and supplementary cards.

Card classification

The Peony quasi-credit card is issued by the Industrial and Commercial Bank of China. Cardholders are required to deposit a certain amount of reserve fund. When the reserve account balance is insufficient, payment can be made at A quasi-credit card with an overdraft within a specified credit limit. The Peony quasi-credit card can be used for settlement in RMB at UnionPay acceptance points in China, Hong Kong, China, Macau, Thailand, South Korea, Singapore and other countries, and has functions such as transfer settlement, cash deposits and withdrawals, and credit consumption. This Peony quasi-credit card is a quasi-credit card with Chinese characteristics. There is no precedent in other countries in the world. The emergence of this quasi-credit card is a reflection of China's imperfect credit system. Peony quasi-credit card has been discontinued. Peony credit cards and Peony international credit cards that truly meet the needs of the public are the direction of development.

Peony International Credit Card

Peony International Credit Card is an international-level credit card product launched by the Industrial and Commercial Bank of China. International cards are used both at home and abroad, and are settled in RMB and a designated foreign currency. The Peony International Card adopts a revolving credit transaction method. For consumption overdrafts within the credit limit, if the payment is repaid in full before the due repayment date, you can enjoy the interest-free repayment discount. This card is accepted worldwide.

Peony Credit Card

Peony Credit Card is issued by the Industrial and Commercial Bank of China and gives cardholders a certain credit limit. Cardholders can consume within the credit limit and then repay. credit card. The credit card uses a revolving credit transaction method. For consumption overdrafts within the credit limit, if you repay in full before the due repayment date, you can enjoy interest-free repayment discounts. The Peony credit card can be used at UnionPay acceptance points in China, Hong Kong, China, Macau, Thailand, South Korea, Singapore and other countries. It is settled in RMB and has functions such as transfer settlement, cash deposits and withdrawals, and credit consumption.

Peony Credit Card

Peony Credit Card is a credit card issued by the Industrial and Commercial Bank of China. It is a RMB credit card that can only be used within the People's Republic of China and the People's Republic of China. Settled in RMB, it has functions such as credit consumption, transfer settlement, cash deposits and withdrawals, etc. Peony credit cards are divided into business cards and personal cards according to different issuance objects; they are divided into gold cards and ordinary cards according to different credit levels.