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How about the Peony student card?

1. If you apply for a student card at a local school, there are no handling fees for depositing money into the card, transferring money, and withdrawing cash from our bank's ATM machines.

2. The first-year annual fee will be waived after applying for the card. The annual fee for the current year will be waived if the consumption reaches 3,000 yuan or 3 transactions (no limit on the amount) in the year. Under normal circumstances, the annual fee is 100 yuan/card.

Note: Overdraft or use of pre-deposited funds for consumption meet the above requirements.

The last repayment date for our Peony Student Card is the 25th of each month, that is, the consumption of the current month can be paid off before the 25th of the following month. There is no interest for the amount of your overdraft consumption that is paid off before the final repayment date. The overdraft consumption can be carried out within the credit limit of your Peony student card; if the overdraft is withdrawn, interest will be calculated at a daily interest rate of 0.05%. The limit is 50% of your credit limit, and the maximum daily overdraft withdrawal per card is RMB 2,000 or the equivalent in foreign currency. Please choose the repayment method according to your own situation:

1. Deposit cash at an ICBC branch

2. Deposit cash or transfer money through self-service equipment. (RMB)

3. Transfer money via telephone banking or online banking. (RMB)

4. Transfer money to the credit card account through other banks.

5. Some units repay credit cards through financial POS through financial reimbursement.

6. Purchase foreign exchange to repay the outstanding balance in the foreign currency account. Apply by phone, branch, or online.

7. Set up automatic repayment.

3. What kind of business do you specifically refer to when you mention "issuing a credit certificate"? Please describe it in detail so that we can answer it as soon as possible. Or you can check this issue with local 95588 or the card issuer.

4. Our bank’s student card is an international credit card. For specific charging standards, please log in to our bank’s homepage and select “Charging Standards” – “Bank Card Charging Standards”.

5. Peony Student Card is an international credit card product specially designed by the Industrial and Commercial Bank of China for college students and graduate students. Our bank has always adhered to the purpose of launching exclusive banking products for different customers and providing quality services. If you are satisfied with the student card services provided by our bank, it is our greatest encouragement.

6. If you need to cancel your student card, please directly call 95588 where the card was issued.