ICBC credit card interest calculation rules are:

1. ICBC Peony Credit Card

ICBC is the first in the country to cancel partial repayments of credit cards in full Interest accrual provisions.

If you fail to repay in full before the due repayment date, the part you have repaid will still enjoy the interest-free repayment period. ICBC will only pay a daily rate of RMB 10,000 for the unpaid overdraft consumption part. Overdraft interest will be charged on a five-fifth basis from the bank accounting date to the repayment date. Interest on overdraft withdrawals and transfers is calculated at 0.5% per day.

2. ICBC Peony Quasi-Credit Card

For overdraft, cash withdrawal, transfer and consumption, interest will be charged at a rate of 0.05% per day from the bank accounting date. .

The editor will tell you in detail about the ICBC credit card cash withdrawal fees:

Local bank: free;

Local inter-bank: 2 yuan/transaction ;

Off-site bank: 1% of the cash withdrawal amount, minimum RMB 1/transaction, maximum 50 yuan/transaction;

Off-site inter-bank: 1% of the cash withdrawal amount, minimum RMB 1 Yuan/transaction, up to 50 Yuan/transaction, plus an inter-bank handling fee of 2 Yuan per transaction;

ICBC credit card cash withdrawal interest: ICBC credit card overdraft withdrawal does not enjoy the interest-free repayment period. From the accounting date to the repayment date, overdraft interest will be charged at a daily interest rate of 0.5%, and compound interest will be charged on a monthly basis.

Example of ICBC credit card cash withdrawal interest calculation method:

There is no interest-free repayment period for credit card cash withdrawals, and there is no handling fee for local overdraft cash withdrawals. Overdraft interest is based on the daily interest rate starting from the overdraft transaction date. Five ten thousandths is calculated as compound interest. Take Ms. Zhang's cash withdrawal as an example. The bill date is the 1st of each month, and the due repayment date is the 25th of each month. She only withdrew 1,000 yuan in cash from the ATM on May 28. Ms. Zhang's bill date was June 1. The recurring interest is: 1,000 yuan * 0.05% * 5 days (May 28-June 1) = 2.5 yuan.

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