Industrial and commercial peony credit card can not be used for loans, but can only be overdrawn within the credit limit, but it can be used as one of the application conditions for loans, or the repayment record of peony card can be used as a credit record.

Peony Credit Card can't be directly loaned, but if the initial consumption amount of users is 600 yuan RMB, they can apply for credit card installment payment.

Users can apply for installment payment through ICBC outlets, ICBC customer service telephone, ICBC online banking, ICBC mobile banking, ICBC self-service terminal and SMS.