● One card has dual currencies, which is convenient and practical
One card of Peony International Credit Card has dual accounts, RMB accounts and foreign currency accounts. At present, there are two foreign currency accounts: US dollars and Hong Kong dollars. Domestic consumption is settled in RMB, and overseas cash withdrawal can be made at more than 27 million VISA or MasterCard merchants in more than 25 countries and regions or at ATMs, while overseas use is settled in foreign currency. Use at home and abroad, no need to change cards, one-card shop at home and abroad.
● Consumer loan, revolving credit
Peony International Credit Card is a truly international credit card. When you apply for an international card, the bank will verify a certain credit limit according to your situation. If you spend within the credit line provided by the bank, you can enjoy an interest-free period, that is, you can pay off the overdraft before the due repayment date of the next month (usually 25th), and you don't have to pay the overdraft interest. Up to 56 days.
foreign currency bills generated by paying foreign currency cash overseas with ICBC International Credit Card of China can be repaid by purchasing foreign exchange in RMB, except for transactions prohibited by national laws.
[ Edit this paragraph ]
Peony Credit Card
Holding a Peony Credit Card shows your distinguished status. Peony Credit Card is a real RMB credit card. With Peony Credit Card, you can not only enjoy many functions such as shopping, cash deposit and withdrawal, transfer and settlement, but also enjoy the following benefits:
Spend first and then repay-enjoy spending fun
The bank will provide you with a credit line and you can use it without deposit.
Extra-long interest-free period-free of interest burden
If you use the credit line, you can enjoy the preferential interest-free overdraft for a minimum of 25 days and a maximum of 56 days.
Revolving credit-there is no need to apply for credit card within the approved limit one by one.
After each repayment, the credit limit will be automatically restored.
Sufficient and flexible credit line-it can be adjusted as needed
The bank can adjust the credit line according to your credit history.
Colorful promotional activities-surprise gift
You can automatically participate in wonderful promotional activities such as peony card consumption points by using your card, which will bring you many unexpected surprises.
The peony credit card can also be used by the special merchants of UnionPay in Hong Kong and ATMs.
[ Edit this paragraph ]
Peony Credit Card
Peony Credit Card is a quasi-credit card issued by our bank, and the cardholder can overdraw within the specified credit limit. This credit limit is uniformly stipulated, that is, gold card is 1, yuan and ordinary card is 5, yuan. If you spend, withdraw cash or transfer money within the credit limit, overdraft interest will be charged from the bank bookkeeping date. The deposit in Peony Credit Card bears interest according to the deposit interest rate and interest-bearing method.
[ Edit this paragraph ]
Peony International Debit Card
Peony International Debit Card (dual-currency) is a debit card issued by the Bank, which can be used both at home and abroad, settled in RMB and USD, and has the functions of consumption, transfer settlement, cash deposit and withdrawal, etc. The card has no credit limit, and the amount used is limited to deposits.
[ Edit this paragraph ]
Peony Link Card
Peony Link Card is a debit card issued by our bank, which is settled in RMB and has the functions of spending, transfer settlement and cash deposit and withdrawal. The Peony Link Card with the "UnionPay" logo can be used in special units and ATMs with the "UnionPay" logo in Hong Kong, and settled in RMB. The card has no credit limit, and the amount used is limited to deposits.