The credit peony cards issued by our bank are divided into: peony international credit card, peony credit card and peony credit card (quasi-credit card); Peony Credit Card and Peony Credit Card are both RMB credit cards.

The application conditions of the above peony card are as follows:

Individuals who have full capacity for civil conduct, work in the place where the card issuer is located and have a stable income can apply for peony cards at any business outlet of the local Industrial and Commercial Bank of China. Applicants can apply for no more than 2 supplementary cards for their spouses or relatives with full capacity for civil conduct.

Proof materials provided by personal card:

1. Copy of the applicant's ID card of the main card and the auxiliary card (required). Identity documents refer to one of resident identity cards, military officers' cards, Hong Kong and Macao residents' passes to and from the mainland, Taiwan Province compatriots' passes to and from the mainland and foreign passports.

2. Work certification documents, such as a copy of the work permit, the original work certificate issued by the work unit, a copy of the professional qualification certificate and a copy of the professional title certificate.

3. If you provide a copy of ICBC's "wealth management fund" account or a copy of master's or above diploma and degree certificate, it will speed up your card processing process. Applicants who work in a company (enterprise) generally need to provide proof documents of their real estate (copies of their real estate license, public housing lease agreement or public housing purchase agreement, housing loan contract and other materials).

4. In order to get your application processed as soon as possible and have an accurate credit limit, please provide the following financial documents, such as payroll records issued by banks, income certificates issued by units, income tax and withholding certificates, driving license of your own car, time deposit certificates of our bank and other materials.

If you meet the application conditions, you can collect the application form from the nearest outlet, fill it out completely, and attach relevant materials according to the requirements on the application form, and submit it to the local business outlet or card issuer. After the card issuer receives your application form, our Peony Card Audit Department will examine and approve it. You can contact the original collection agency, Peony Kaka Department or 95588 within 20 working days after successfully submitting the application form 15.

When the account balance is insufficient, you can use the credit line of Peony Card for overdraft consumption and overdraft cash withdrawal; If you use Peony Credit Card for overdraft consumption or overdraft cash withdrawal, you will not enjoy the interest-free repayment period. The overdraft interest shall be charged at the daily interest rate of 0.5 ‰ from the overdraft bookkeeping date, and the loan interest shall be charged at the daily interest rate. The credit line can be fully used for consumption and cash withdrawal.

If you use Peony International Credit Card and Peony Credit Card for overdraft spending, you can enjoy an interest-free repayment period of 25 days at the shortest and 56 days at the longest before the 25th of the following month. Credit lines of international cards and credit cards can be used for overdraft consumption; The overdraft withdrawal limit is half of the credit limit. For international cards (domestic) and credit cards, our bank stipulates that the maximum daily overdraft withdrawal is 2000 yuan. Overdraft cash withdrawal is compounded monthly, with a daily interest rate of five ten thousandths.

You can handle the repayment of Peony International Credit Card, Peony Credit Card and Peony Credit Card in the following ways:

1. Deposit cash at ICBC outlets.

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

3. Transfer money through telephone banking or online banking. (RMB/foreign currency)

4. Remit money to the credit card account through other banks.

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

6. Repayment by purchasing foreign exchange (Peony International Credit Card). Through telephone, outlets and online banking.

7. Automatic repayment (Peony International Credit Card and Peony Credit Card).

I hope you can successfully apply for a card!