1. When swiping your card for consumption at ICBC’s designated merchants, you can apply for installment repayment directly to the cashier.

2. From the day after the consumption transaction is recorded to three working days before the due date of repayment of the consumption, you can easily apply by dialing 95588 and calling the manual; you can also apply at an ICBC branch.

3. Customers who have registered for ICBC online banking can self-convert the consumer transactions that have been recorded and within the interest-free period to installment repayment through "Credit Card Services>Peony Card Repayment>Instalment Repayment Settings".

1. The credit card repayment date refers to the last date when the card issuing bank (or institution) requires the cardholder to repay the amount due;

2. The due repayment date is also called the final repayment date. date, if you do not repay in full before the due payment date and do not choose the minimum credit card payment;

3. All consumption payments will no longer enjoy the interest-free repayment treatment, and the bank will On the day of consumption, interest will be calculated on a daily basis based on the consumption amount as the principal, with a daily interest rate of 0.05% and compound interest calculated on a monthly basis;

4. Receive a reminder call or letter from the bank;< /p>

5. Freeze the account and feed back the debt record to the People's Bank of China to be recorded in the credit file, which will affect personal credit;

6. If there is indeed not enough money on the due date for repayment, If you want to repay the amount, please choose the minimum repayment amount on your credit card. In this way, you only need to repay 10% of the total fee in each period. In this way, although there is no interest-free repayment period, your personal credit will be avoided.

Reference materials:

ICBC Credit Card_Baidu Encyclopedia