The daily interest rate for cash withdrawal, overdue or minimum repayment is 0.5‰, with daily interest.

Limits can be used for overdraft consumption.

Peony credit card has the functions of transfer settlement, cash deposit and withdrawal, consumer credit and so on.

1. Transfer settlement: the cardholder pays with peony credit card or realizes electronic transfer through POS after spending in the special unit; These cards can also be easily transferred through ATM machines; In addition, peony credit card can also transfer and settle accounts with non-special units, which also has the advantages of convenience and flexibility in the field of production and circulation.

2. Cash deposit and withdrawal: The cardholder or client can deposit cash into the Peony Credit Card account at the savings office designated by ICBC or through the ATM. Withdraw cash from designated savings offices and ATMs in cities where China Industrial and Commercial Bank of China provides peony card services. Deposits can be deposited and exchanged, with current interest.

3. Consumer credit: ICBC can provide short-term credit loan services to cardholders when the balance of peony credit card account is temporarily insufficient, allowing cardholders to overdraw in a short period of time. The overdraft limit of gold card is 5,000 yuan, ordinary card 1000 yuan, and the longest overdraft period is 60 days.