If the contract for the use of the Peony Card is overdrawn by the ICBC Peony Card, how to calculate

Please go to the ICBC portal** above - "Credit Card" - "Credit Card Regulations" to inquire about the Peony Credit Card Redemption Agreement.

ICBC cards are divided into debit cards and credit cards. For debit cards, please log in to Internet Banking and select "All - Bank Cards".

Peony card

Click on the "I want to apply for card" on the left to enter the online application process.

Bring ID card and household registration booklet. Copy.

The online application is generally low, unless you have deposits, wealth management products and other products in ICBC that can prove your asset information. You can go to the bank to apply for a credit adjustment, and the main requirement is to prove your income** to ensure that you can repay the loan on time.

1. The analysis is as follows.

1. First of all, find the official website of the Industrial and Commercial Bank of China and open it.

2. Select Credit Card in [Business Products] on the official website.

3. Select [I want to apply for a card] in the [Credit Card] menu.

4. Then select the city where the card is issued and the type of card you want to apply for.

5. Choose the type of card you need. Take the Peony Express card as an example.

6. Fill in the ID card and other information as required.

7. Then fill in the specific personal information, which cannot be omitted.

8. Fill in the email billing address and card pick-up address.

2. Expand the information.

About Peony Card.

1. The bank cards issued by the Industrial and Commercial Bank of China are uniformly named Peony Card. "Peony Card" is the first financial product trademark registered by Industrial and Commercial Bank of China. Industrial and Commercial Bank of China officially issued Peony Credit Card on October 15, 1989, and joined MasterCard International (MasterCard) at the end of the same year, and Visa International (VISA) at the beginning of 1990.

2. The application field of peony card has gradually penetrated into all aspects of social and economic activities such as commerce, tourism, catering, entertainment, transportation, telecommunications, medical care, education, taxation and so on. Peony card payment of wages, collection of public utility fees, payment of employee pensions and other businesses have been widely carried out throughout the country, and have been widely welcomed by relevant parties from all walks of life.

This is how long this credit card is valid for.

The expiration date of ICBC credit card is indicated on the front of the card, which is located below the 16-digit credit card number and consists of 4 Arabic numerals. The first two represent the month, and the last two represent the yearIf you see the information "10 13", that is, your credit card is valid for October 2013.

Hello, ICBC's credit card and credit card are valid for two years, and after expiration, go to the bank to replace one, because you want to make your name pinyin on it, so you have to wait about a week to get a new card, the new card number remains the same, and the validity period is still two years.

If it is a debit card, such as Lingtong card or e-card, it will not have an expiration date if it cannot be overdrawn for cash withdrawal or overdraft consumption.

It takes a month to go to ICBC to change the card, which is too troublesome

Now the validity period is generally five years, within a month of expiration, call ** to 95588 to apply for a replacement card, according to the prompts to your nearest outlet to pick up a new card, the old card will be a commemoration. Hehe.

You can't just go to the bank counter. The staff will explain it to you.

The Peony card is valid for five years, the card has the expiration date and month, you can go to any ICBC outlet to change the expiration month, the card number will not change, it may take about a week!

To apply for a peony card, you need:

Copy of ID card, work permit.

Bai Ming, income du

certification, etc.; Provide bank deposit certificates, real estate certificates, school certificates, etc.;

Some card-issuing banks may require a temporary account issued by the local public security department or a certificate issued by the relevant department (including a work certificate) for non-resident residents, overseas personnel applying for local employment, and active military officers applying for credit cards in their own name.

Other conditions required by each card issuing bank.

Peony Card Application Requirements:

Be at least 18 years old;

Urban and rural residents who have a fixed occupation and a stable income, and whose work unit is generally in their permanent place of residence;

Fill out the application form and sign it in person at the "Applicant's Signature" field.

The official website of ICBC does not support the application of Peony Unblocked Card, you can apply for other credit cards on the official website. Official website.

Pay attention to maintaining a good credit history and repay your loans on time.

ICBC's Peony Credit Card is also a type of ICBC credit card

ICBC Credit Card Related Matters:

Cardholders do not need to deposit in advance, they can spend first and repay later within the approved credit limit (the current limit is 5,000 yuan), and dispose of funds more reasonably; In addition, you can also enjoy and participate in various credit card and credit card preferential activities.

According to the customer's credit status, the bank will grant the customer sufficient credit limit, up to 50,000 yuan. Customers do not need to go through other loan procedures, they can spend or withdraw cash within the credit limit approved by the bank, the bank will establish a credit file according to the use and repayment situation, as long as the credit record is maintained, the credit limit will be revolving, the bank will increase the credit limit according to the use of the loan, so that you can have a higher limit, enjoy interest-free treatment when purchasing bulk items, and when you borrow from the bank in the future, you can enjoy the convenience provided by the bank, such as simplifying the approval process and shortening the approval time. An increase in the amount of the loan, or a preferential interest rate, etc. Conversely, if you have a bad credit history, the bank will most likely not lend to you.

If the cardholder uses the credit card correctly, the credit card limit can be regarded as the largest interest-free loan in his or her life.

In addition, when the cardholder holds the credit card to consume overseas, he can directly purchase and repay foreign exchange in RMB with the current statement, without having to go through complicated foreign exchange purchase procedures and without being limited by the quota, which eliminates the trouble of insufficient foreign exchange and complicated foreign exchange purchase procedures that plague many people.

And these features are not available with debit cards.

Security issues: Due to the convenience and speed of credit card use, coupled with the rapid development of science and technology, credit cards are facing increasingly serious security problems due to the mechanism of consumption first and payment later, and major international credit card groups and global card-issuing financial institutions are facing severe challenges.

The security of credit cards is mainly divided into the following five aspects:

Credit card: Counterfeit or invalid cards (expired, lost, invalidated, and damaged tapes) by criminals or criminal syndicates. etc.) pretending to be a genuine card to directly deceive merchants or card issuers.

Cardholders: Improper handling of cards (expired credit cards with invalid tapes that are not destroyed, or lost and not immediately invalidated, etc.), and inadvertently stolen or defrauded personally identifiable information. In order to avoid such problems, citizens should not easily provide personal identity information to the outside world, and it is best not to entrust others to apply for credit cards on their behalf.

Merchants: Service staff over-swipe cardholders during the consumption process, or steal their credit card information to other merchants for consumption. This can happen to both physical and virtual merchants.

Card issuer: The computer system is maliciously invaded to steal the customer's basic transaction information. There are also cases of self-theft or internal ghosts and other unscrupulous affairs by employees within the organization.

Trading system and mechanism: as long as it is made or handled by human beings, it is inevitable that human errors and mistakes will be made; No matter how rigorous the trading mechanism is, with a world-class trading system from confirmation to settlement, there is still the possibility of invasion, and the so-called "intrusion" actually has a difference in the hierarchy.

Of course, it is better to spend first and then repay (you can use the interest-free period to let the money earn interest), and if you put the money in the card first to consume, it is better to use an ordinary debit card.

Destruction of tour 1 is calculated according to the interest source of 5 per 10,000 per day. If the credit card consumption overdraft is not repaid after the 25th of the following month, it will be counted. Credit cards are counted from the time of purchase. If it is a cash withdrawal, it will be counted from the next day.

2. ICBC Peony Card is roughly divided into two categories: debit card and credit card, both of which have annual fees.

1) Borrow the fiber trapped pin card. If the card is less than 300 yuan (not included), a small management fee will be charged. $3 per quarter. Plus an annual (10 yuan) fee. It will be charged 22 yuan a year.

2) For credit cards, there is also an annual fee, and the annual fee for ordinary credit cards is 50 yuan, and the annual fee can be waived if you brush it 5 times a year.

ICBC Peony Credit Card is divided into credit card and quasi-credit card, and the interest calculation regulations are as follows:

a.Quasi-credit card: no interest-free period, the overdraft period is 60 days from the bank's bookkeeping date, and the overdraft amount will be charged daily from the overdraft bookkeeping date; The interest on the deposit in the account shall be calculated and paid according to the current savings deposit interest rate and the interest calculation method, and the interest shall be calculated according to the current interest rate listed on the interest settlement date, and the interest settlement date shall be the 20th day of the last month of each quarter.

b.Credit card: 1For cash withdrawals and transfers using the credit line, the overdraft interest will be paid on a daily basis from the date of bank account to the date of repayment;

2.In addition to cash withdrawals and transfer overdraft transactions, other overdraft transactions such as consumption can enjoy an interest-free repayment period of 25-56 days, and the full repayment date before the due date does not require overdraft interest.

3.The overdraft interest will be calculated from the bank account date for transactions that do not meet the interest-free conditions, and the overdraft interest rate will be compounded on a monthly basis on a daily basis.

4.No interest is accrued on deposits in the account.

The interest calculation regulations of Peony Credit Card (excluding quasi-credit card) of our bank are as follows:

1.For withdrawals and transfers using a line of credit, the overdraft interest will be paid on a daily basis from the date of bank account to the date of repayment;

2.Purchases can enjoy an interest-free repayment period of 25 to 56 days, and no overdraft interest will be paid if the full amount is repaid before the due date.

3.The overdraft interest will be calculated from the bank account date for transactions that do not meet the interest-free conditions, and the overdraft interest rate will be compounded on a monthly basis on a daily basis.

4.No interest is accrued on deposits in the account.

Ash reminds you:

Please refer to the "Peony Credit Card Redemption Agreement (Personal Card)" and the actual bill for specific interest calculation.

The above content will be answered by ICBC intelligent customer service "Gong Xiaozhi" for you, the answer time is February 03, 2020, in case of business changes, please refer to the actual situation).

The limit of Peony credit card (quasi-credit card) can usually be used for cash withdrawal, 50% of the limit of Peony RMB credit card can be used for cash withdrawal, and 50% of the limit of Peony international credit card can be used for cash withdrawal.

The essential feature of a credit card is that the cardholder can use the credit limit approved by the issuing bank to make direct purchases, and if the full repayment is made within the specified time limit, the cardholder can enjoy an interest-free repayment period; You can enjoy the consumption points provided by the issuing bank; At preferential merchants, you can enjoy discounts or discounts for a specific period of time. However, if the repayment method or repayment time is not appropriate, it may also lead to excessive overdraft interest paid by the cardholder, or even late fees. Here, this article hopes to demonstrate the existence of differentiation and how to avoid unnecessary interest expenses through examples of credit card account use and repayment.

Quasi-credit cards are not subject to the restriction of no more than 2,000 yuan per day, and do not distinguish between transaction channels; Credit cards and international cards are subject to the daily overdraft limit of no more than 2,000 yuan, and there is no distinction between transaction channels. In addition, ATM non-overdraft cash withdrawals are limited to 5,000 RMB (or equivalent in foreign currency) per card 5 times per day. The RMB card overdraft will not accrue interest on the same day as the cash withdrawal amount is repaid; International Credit Card Overdraft Cash Withdrawals, Same Day Payments Cash Withdrawals The minimum payment amount on the previous bill (it doesn't matter if the bill has already been paid) will not accrue interest.

The RMB credit card overdraft must be repaid in full after the bill is issued, while the international credit card overdraft can be repaid at a minimum. If you withdraw cash from an overdraft overseas, the interest on the overdraft may not be avoided because there may be a delay in the billing date, and the repayment on that day may be offset against the consumption before the withdrawal.

Hello, Peony Unblocked Card is a credit card.

Interest will be charged as per the rules of the credit card.

The withdrawal fee is, and the interest rate for each day of the withdrawal is.

The overdue fee is 5% and the interest per day is.