1, general withdrawal method
With my valid ID card or cash withdrawal password, I can withdraw cash at ICBC outlets or ATMs with ICBC or UnionPay logo; Dual-currency freight card can also withdraw local currency from ATM and bank outlets recognized by credit card organizations or companies related to the card.
2. Emergency evacuation method
If your ICBC Peony Credit Card is lost or damaged in another place, we will provide you with emergency cash withdrawal service.
In China, you can apply for emergency cash withdrawal at our business outlets. Domestic emergency cash withdrawal is only charged according to the peony card cash withdrawal standard in different places, and no additional service fee is charged.
Overseas, you can apply for emergency cash withdrawal service through VISA, MasterCard International or AmericanExpress service hotline with dual currency freight card. The overseas emergency cash withdrawal service of dual-currency credit cards shall be charged according to the provisions of international credit card organizations in addition to the charges for cash withdrawal in different places.
Two. China Industrial and Commercial Bank Credit Card Withdrawal Limit
1. The cash advance limit is set according to your card usage and included in the credit limit of the credit card. Under normal circumstances, the cumulative withdrawal amount does not exceed 50% of your credit limit. For details, please call the customer service phone of ICBC Credit Card Center.
2. There are no more than 5 domestic ATM withdrawals per day, and the daily accumulated amount of domestic and foreign ATM withdrawals with the "UnionPay" logo does not exceed the equivalent of 5,000 yuan (overpayment).
3. If the balance of ICBC Peony Card account is insufficient, you can use the credit line to overdraw the cash. The withdrawal of credit line does not enjoy interest-free repayment period, and the accumulated amount does not exceed 2000 yuan per day.
4. To withdraw dual-currency credit cards from ATMs or bank outlets with relevant logos of credit card organizations or companies abroad, according to the regulations of the State Administration of Foreign Exchange, the cumulative withdrawal shall not exceed the equivalent of 1 000 USD in one day, the equivalent of 5,000 USD in one month and the equivalent of 1 000 USD in six months.
Three. Icbc credit card withdrawal fee and interest
1, ICBC credit card withdrawal fee
Local bank: free of charge
Local Interbank: 2 yuan/Pen
Foreign banks: 1% of the cash withdrawal amount, with a minimum of 1 yuan per transaction and a maximum of 50 yuan.
Inter-bank in different places: 1% of the cash withdrawal amount, with the lowest 1 yuan/transaction and the highest 50 yuan/transaction, and an inter-bank handling fee is added for each 2 yuan.
2. ICBC credit card withdrawal interest
ICBC does not enjoy interest-free repayment period for overdraft withdrawal of credit cards. From the bookkeeping date to the repayment date, overdraft interest will be charged at the daily interest rate of 0.5 ‰, with monthly compound interest.