ICBC provides holders of the Universal Financing Credit Card with a 3-day grace period for repayment and a difference of 10 yuan from the minimum repayment limit. If the cardholder exceeds the "time tolerance" service limit, then The credit card will be overdue, and the bank will charge overdue interest at a daily interest rate of 0.5% from that day on. 1Universe Fenqile Credit Card is a gold-level card that waives annual fees for cardholders during the validity period of the card. 2Cardholders who repay the entire amount before the repayment date stipulated in the bill can enjoy an interest-free repayment period of a minimum of 25 days and a maximum of 56 days. 3 Cardholders provide a 3-day repayment grace period service. When the cardholder repays within 3 days after the due payment date, it will be regarded as the cardholder repaying on time. 4. When you open the card and make any purchase, you will receive a 500-yuan, 300-yuan, and 68-yuan cash coupon each from the Installment Mall; an 8-yuan phone bill and a 12-yuan phone bill recharge coupon each. 5. After activating the card, you will receive an interest-free coupon of RMB 600 for cash withdrawal from the Financing Mall Le Card, and a 2,000 yuan interest-free trial bonus for repaying the credit card from the Financing Mall Le Card.