The peony card I handled at school last year has never been used, can I still use it this year?

Hello, if you are handling a peony Lingtong card, the balance of the deposit in the card is less than 300 yuan (exclusive), and there is no foreign currency deposit, then the situation you encounter will involve the problem of "small account", about the information of small account, you can log in to ICBC** (, on the right side of the home page "Important Announcement" > "RMB Small Demand Deposit Account Charge Notice" to learn more information.

If you apply for a Peony student card, you can use the card normally during the validity period of the card. If there is a "07 10" symbol on the bottom left of the card, the card will expire in July 2010. Before using the Peony Student Card, you need to dial 95588 to "activate" the card.

The annual fee for the first year is waived for successful student card application, and the annual fee for the current year can be waived for subsequent annual purchases of 3,000 yuan or 3 transactions (the amount is not limited). Under normal circumstances, the annual fee is 100 yuan card.

Regarding the impact of using Peony credit cards on the cardholder's credit history, please refer to the following: If the Peony International Credit Card fails to repay in time due to the deduction of annual fees within the validity period, your credit history will be affected; If you go to the local card issuer with a valid ID card to cancel your account, your credit history will not be affected. If you have paid the annual fee for two years at the time of card application, your credit history will not be affected during the validity period of your card (two-year validity period); If the RMB credit card has expired, the annual fee will not be deducted from the card, so there will be no bad credit history.

Peony Lingtong card or peony student card?

There is no record left without use, which is the freedom of the consumer, hehe.

The experts above said it well.

If you swipe more than 3,000 cards a year, there will be no annual fee, as a student, you will save a fortune.

Your card can be used, go to open the card holder, and the bank counter will do.

You can use it if you have money on the card, and you should also pay attention to whether the card has a magnetic chip.

Good luck!

Classification: No classification.

Problem description: Hello! I would like to ask you some questions about the "Peony Student Card"!

1.Students who meet those conditions can apply for a "Peony Student Card" (if so, can high school students who are 18 years of age or older apply?) ）

2.Where can I apply? Can I apply online?

So the "three times by swiping the card" here means that the amount of "three times by swiping the card" can be waived of the annual fee of the next year if it reaches a certain level (or the amount of each "three times by swiping the card" can be exempted from the annual fee of the next year if it reaches a certain level), or whether it means that no matter how much you consume, as long as you spend three times, you can waive the annual fee of the next year.

Analysis: Hello:

1.The Peony Student Card is only issued to students at designated universities, and high school students cannot apply for it.

2.Basic conditions for applying for a Peony Student Card:

1) Must be over 18 years old and have full capacity for civil conduct;

2) Provide a completed and signed application form;

3) Provide a copy of a valid ID card;

4) The first contact person must be a parent or spouse, and the second contact person must be a full-time counselor, class teacher, teacher or classmate of the institution where you are studying. The contact person must provide a valid contact information.

For your convenience, it is recommended that you complete the application form and return it to your local card issuer.

3."Spend 3 times with your card" means that no matter how much you spend, you can waive the annual fee for the following year if you swipe 3 times.

Generally speaking, if you do not apply for a peony card, but are deducted by Yeduxiao, there may be the following situations:

1.Your bank account information has been stolen or leaked, resulting in someone using your account information to apply for a peony card and make purchases.

2.If you have applied for a peony card or a manuscript but you have forgotten it or mistakenly thought that it has been cancelled, the bank will still deduct the corresponding fees.

3.Your account may have been stolen or deducted for other fees that you mistook for a Peony card.

If you find that there is an unknown deduction, it is recommended to contact the bank's customer service in time to inquire and solve the problem. At the same time, it is also recommended that you regularly monitor your bank account to detect and deal with abnormal situations in a timely manner.

In response to this problem, it may be that the peony card was not applied for, but the service of the peony card was used, so the fee was deducted. This is because the service of the peony card needs to be applied for a peony card before it can be used only in the year, if you do not apply for a peony card, you will not be able to use the service of the peony card, and you will not be able to enjoy the benefits of the peony card.

The way to solve this problem is that, first, you need to go to the bank to apply for a peony card, and then when you apply for a peony card, you need to prepare your ID card, household registration book, bank card and other information, and you need to pay a certain handling fee. After the application is completed, you can use the service of the peony card and enjoy the benefits of the peony card. In addition, you can also check the rules for the use of the peony card and the preferential policies of the peony card on the bank's official website to better understand the use of the peony card.

The traffic department implements toll management, and drivers who do not apply for a peony card will still be subject to toll management, but will not be charged additional fees for each car. This is because every car must pay a toll before entering the toll area, regardless of whether the car is equipped with a peony card or not. Since each car only needs to pay the toll once, if the driver does not have a peony card, he needs to pay the fee in cash at the intersection or by bank transfer. Eliminate macros.

First of all, you need to accompany to confirm the specific situation of the deduction, which expenses have been deducted? Are there any fees incurred for using certain services or purchasing certain goods? Second, you need to know if someone else has used your card to make a purchase, or if there has been an unauthorized payment operation.

Finally, if it is determined that the card itself is the problem, it may be due to the fraudulent use of the card information or a system error. It is recommended to contact the bank's customer service or go to the bank branch for verification in time, and freeze or report the loss of the bank card in time to prevent the loss from expanding.

It may be that the system cannot recognize your card number or password when you use the card, so your identity cannot be verified, so the deduction fails. In addition, it is possible that the deduction failure may be due to a bank system failure or abnormal network connection. It is recommended that you contact the bank's customer service or relevant departments in time to understand the specific situation and deal with it properly.

The parameters you provided do not meet the requirements, please confirm and resubmit!

If you use Ouyi Transfer to make a transfer, you can check your transfer record through the official ** or APP of Ouyi Transfer. You can log in to your Euro-Italian transfer account to view your transfer history and transaction details. If you encounter any problems, you can contact the customer service staff of Ouyi Transfer Land for help.

If your transfer involves a bank account, you can also check the transfer record through the online banking or mobile banking of the bank that you have sold in the morning.

Classification: No classification.

Problem description:1If the deposit is made to the buried account, will there be interest on the deposit?

2.Do I have to use a card to deposit free deposits in other places?

3.Is the annual fee based on a calendar year or a year from the date of card issuance?

4.Can I apply for an overdraft of 1,000 yuan?

Analysis: Thank you Fengfan, but there is something wrong with what you said Hello landlord: 1The Peony Mengyou student card is an international card, and if there is a deposit, the deposit interest will not be calculated;

2.When you make a deposit, you can make a cardless deposit, regardless of whether you are in a different place, there is no handling fee for this business;

3.The annual fee collection cycle is calculated according to the date of the card, the student card is exempted from the annual fee for the first year, and the annual fee for the current year can be waived if you make 3 purchases or more than 3,000 yuan with the card;

4.If you are an overdraft consumption, you can overdraft the full amount within the credit limit and enjoy an interest-free repayment period, if you are an overdraft and withdraw cash, you can get up to 50% of the overdraft limit (and not more than 2,000 yuan per day), and do not enjoy the interest-free repayment period, and the interest will be charged at 5/10,000 per day.

Legal Analysis: The card is a must, it's just a matter of time. However, once you have a violation, whether you are punished on the spot or not, you will definitely use this card.

Legal basis: Constitution of the People's Republic of China Article 53 Citizens of the People's Republic of China must abide by the Constitution and the laws of the People's Republic of China, keep state secrets, take care of public property, abide by labor discipline, abide by public order, and respect social morality.

1. If you apply for a student card from a local school, there is no handling fee for depositing money into the card, transferring money and withdrawing cash from ATM machines.

2. After applying for the card, the annual fee for the first year will be waived, and the annual fee for the current year can be waived if the consumption is more than 3,000 yuan or 3 transactions (the amount is not limited). 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 of our bank's Peony student card is the 25th of each month, that is, it can be repaid before the 25th of the following month. There is no interest on the amount you overdraft and can be repaid before the last repayment date, and the overdraft consumption can be made within the credit limit of your Peony Student Card; If the interest rate is calculated at the interest rate of 5/10,000 per day, the overdraft cash withdrawal limit is 50 of your credit limit, and the maximum daily overdraft cash withdrawal per card is 2,000 RMB or equivalent foreign currency. Please choose any repayment method according to your own situation

1. Deposit cash at ICBC outlets.

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

3. Transfer money through ** bank or online banking. (RMB).

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

5. Some units repay the credit card in the form of financial reimbursement through financial POS.

6. Purchase foreign exchange to repay the arrears of foreign currency accounts. Through **, outlets, online.

7. Set up automatic repayment.

3. What kind of business do you refer to when you mention "opening a letter of credit"? Please provide a detailed description so that we can answer you as soon as possible. Alternatively, you can check with your local 95588 or card issuer for this issue.

4. Our student card is an international credit card, please log in to the homepage of our bank and select "Charging Standard" - Bank Card Charging Standard to view.

5. Peony Student Card is an international credit card product tailored by Industrial and Commercial Bank of China for college students and graduate students. It is the bank's mission to launch exclusive banking products for different customers and provide high-quality services, and if you are satisfied with the student card services provided by our bank, it is the greatest encouragement to us.

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

Bring your ID card and student ID card to ICBC for processing.