The specific usage regulations of credit cards can be viewed on the official homepage of ICBC. First log in to www.icbc.com.cn. There is a credit card option at the top of the homepage. Click to enter. On the left side, you can see the relevant terms of use under "I want to apply for a card".

A credit card is a so-called overdraft credit card with an interest-free repayment period. Generally, the billing date is the 1st of each month, and the repayment date is the 25th of each month (default without special requirements). Overdraft consumption from the 1st of each month to the last day of the month can be repaid before the 25th of the second month, because the bill will not be issued until the 1st of the second month. During this period, you can enjoy interest-free repayment discounts of up to 56 days and as short as 25 days. If you do not repay properly on the 25th, a late payment penalty of 5% of the unpaid minimum repayment amount will be deducted, which means that you have breached the contract. The unpaid portion will be deducted from the consumption accounting date at 0.5% interest per day, and will be charged on Deposited on the 1st of the following month. There will be no late payment fees on the minimum repayment, and interest of 0.05% per day will be deducted on the unpaid portion starting from the accounting date. Overdraft cash withdrawals and overdraft transfers will also deduct interest at 0.05% per day from the date of recording, and do not enjoy the interest-free repayment discount. There is a 25-day interest-free repayment period for the interest. If it still does not work, the accounting will charge compound interest (that is, the interest on the interest). It is purely hand-made. I hope you will adopt it