Peony credit card does not need to deposit the reserve fund, and the cardholder can spend first and then repay within the credit limit given by the bank. And there is an interest-free repayment period. Cardholders can enjoy an interest-free repayment period of at least 25 days and at most 56 days from the date of consumption (except cash withdrawal and transfer).
After confirming that the cardholder meets the application conditions, the card issuing institution shall, according to the cardholder's personal credit status, verify the credit line suitable for the cardholder's consumption demand. The credit limit can be increased with the improvement of the cardholder's credit status.
Flexible repayment methods. Business outlets-any ICBC business outlets can repay, and the city will repay on the same day; Telephone Banking-Transfer money from other personal accounts to Peony Card account through the telephone banking system of Industrial and Commercial Bank of China.
All-weather service, carefree. Telephone banking and online banking services have been opened, and cardholders can call the customer service hotline for consultation or account inquiry 24 hours a day. If you lose your Peony Credit Card, no matter where you are, you can stop paying urgently through the customer service hotline.
Peony credit card number starts with 45 18.
(1) Peony credit card deposits do not bear interest.
(2) Peony Credit Card will enjoy an interest-free repayment period of 25 days at the shortest and 56 days at the longest (the accumulated overdraft amount of the current month can be paid off before the 25th of the next month) if it is used for credit card consumption and online B2C payment overdraft.
(3) Peony Credit Card does not enjoy interest-free repayment period when it is overdrawn, and the interest is calculated at five ten thousandths, with compound interest on a monthly basis.
(4) If the Peony Credit Card exceeds the repayment period, a penalty of not more than 5% in 500 yuan will be imposed.