It's basically free. No matter how you apply for a credit card, you won't charge any fees, but there are also some special cards that need to charge some fees, such as the cost of making a credit card and the cost of urgent processing.
Credit card charges generally include the following aspects: annual fee, cash withdrawal fee, liquidated damages, repayment interest fee and installment rate fee. If there is no credit card withdrawal, default overdue, repayment and other operations, no additional fees will be charged.
As for the annual fee of credit card, according to the relevant regulations, the bank cannot charge the annual fee because the credit card is not opened or activated.
Sometimes even if the credit card has been activated, the annual fee can be exempted, as follows:
1. For ordinary credit cards, most bank annual fees are free in the first year, and the annual fees in the following year can be exempted when swiping cards.
2. For gold and platinum cards, some banks can waive the annual credit card fee by redeeming points or reaching the number of swipes. Users can carefully understand the problem of collecting annual fees at all levels. If they don't understand, they can call customer service. In addition, some high-end credit cards such as platinum cards and AE cards need to pay annual fees.
In short, users of credit card fees must be clear. If there are some unclear deductions, you can consult customer service for details.
Extended data:
Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.
Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay.
Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.
Repayment method:
In the issuing bank, this method includes: issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. The credit card limit will be restored immediately after repayment, and the money will generally be recorded after being processed by the system on the same day.
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Transfer/remittance repayment is mainly divided into two ways: inter-bank in the same city and inter-bank in different places. Whether it is transfer or remittance, the remittance bank will charge a certain fee, and the payment time and repayment convenience are not as good as those of peers, online repayment and convenience stores.
Common online platforms for online repayment in China include UnionPay Online, Kuaiqian, Shengfutong, Alipay and Tenpay. Choose different platforms and banks, and the charging standards and specific arrival time are different.
Convenience store repayment is mainly completed through the "Lacarra" smart payment terminal installed in the convenience store. Generally, it will arrive in 2~3 working days, and there is no handling fee for repayment in this way.
Counter repayment refers to the bank card issued by various networked financial institutions, and the RMB current deposit and withdrawal transactions are conducted through the counters of other bank outlets registered in the host system of UnionPay Trading Center.
Xinfutong Repayment "Xinfutong" smart credit card phone is an innovative electronic product independently developed by China UnionPay, certified by the Bank Card Testing Center and supported by the financial services provided by China UnionPay's inter-bank information exchange network.
Repayment Pass uses "Repayment Pass" for repayment, and generally charges fees according to the charging standards for inter-bank transfer in the same city and inter-bank remittance in different places stipulated by the local people's bank.
In addition to the above methods, the issuing bank has also opened its own repayment methods in order to facilitate the cardholder's repayment.
China Bank Credit Card Specific Charge Amount
China Bank credit card annual fee collection standards are as follows:
(1) BOC/Great Wall Global Connect products:-Personal card: Puka: up to 100 yuan/card; Theme card: the highest 280 yuan/card; Gold card/titanium card: the highest 300 yuan/card;
(2) Platinum card: the highest 800 yuan/card;
(3) High-end cards: up to RMB 8,800 per card;
(4) Business card/company card: the highest 360 yuan/card;
Among them, annual credit card fees such as salary, pension, subsistence allowance, medical insurance, unemployment insurance and housing provident fund are exempted; Annual fees of credit cards such as official cards of central and local budget units.
You can check it through the official website of Bank of China ()-Bank Card-Service Guide-Card Use Guide-China Bank Credit Card Service Price List.
The above contents are for your reference. Please refer to the actual business regulations.
If you have any questions, please contact online customer service of Bank of China.
You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GOAPP to handle related business.
How to charge the annual fee for the credit card of China Bank? Is there an annual fee waiver?
China Bank Credit Card Annual Fee Collection Standard:
(1) BOC/Great Wall Global Connect products:-Personal card: Puka: up to 100 yuan/card; Theme card: the highest 280 yuan/card; Gold card/titanium card: up to RMB 360 yuan/card;
(2) Platinum card: the highest 800 yuan/card;
(3) High-end cards: up to RMB 3,600 per card;
(4) Business card/company card: the highest 360 yuan/card;
Inquiries can be made through the official website of Bank of China ()-Bank Card-Service Guide-Card Handling Guide-Credit Card Service Price List of Bank of China.
In the year when the credit card is used, if the accumulated consumption of the account in that year meets the following conditions, the annual fee for that year can be reduced or exempted, except for special card types:
1. Personal Jinpu card is free of annual fee in the first year and 5 swipes in the second year; Supplementary card annual fee waiver policy is the same as the main card;
2.20 17 -20 18 new platinum card customers are exempted from the annual fee in the first year, and the annual fee for new and old customers in the next year needs to be reduced or exempted 12 transactions are over 20,000 yuan, or the annual fee can be exchanged for 65,438+million trading points; The annual fee exemption policy for supplementary cards is the same as that for main cards.
3. All-currency international chip series gold card, ordinary card and platinum card: 20 18 12 3 1 free of annual fee before.
The above contents are for your reference. Please refer to the actual business regulations.
If you have any questions, please contact online customer service of Bank of China.
You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GOAPP to handle related business.
How much is the annual credit card fee?
1. According to the regulations of Bank of Communications Credit Card Center, Bank of Communications credit card annual fee standard:
1, Platinum Card: At present, the annual fee of Bank of Communications Platinum Card is charged on the first billing day after the account is activated.
2. Non-platinum card: At present, the annual fee policy of Bank of Communications' credit card is to waive the annual fee in the first year, and the annual fee in the following year can be waived if the card is swiped six times in that year.
Note: If there is any adjustment to the annual credit card fee collection policy of Bank of Communications, it will be notified through websites, bills and other channels. Please pay attention to the notice at that time.
2. According to the current policy of Bank of Communications, if the newly issued account is not activated, there will be no annual credit card fee. However, for other cards, such as expired renewal cards, loss reporting replacement cards, replacement cards waiting for activation, etc., the annual credit card fee will be charged according to the previous card method.
Since 20 17, 10 and 1, Bank of Communications has implemented a brand-new preferential policy for the annual fee of platinum cards for individual high-end customers. Details are as follows:
1. The first platinum card in the name of a private banking customer of Bank of Communications will be exempted from the basic annual fee within the validity period, and those private banking customers who meet the renewal criteria will continue to be exempted from the basic annual fee within the validity period, and those who fail to meet the renewal criteria will be charged the basic annual fee by half, that is, 500 yuan/year.
2. The first platinum card under the name of Ward Financial Customer of Bank of Communications is exempt from the basic annual fee in the first year, and the basic annual fee of platinum card will be halved from the next year, that is, 500 yuan/year.
3. Bank of Communications private banking customers and Ward wealth management customers apply for multiple platinum master cards. Starting from the second platinum card, the basic annual fee of 1 1,000 yuan will be charged according to the general customer standard; After the first platinum card is sold, customers can designate another platinum card in their name to continue to enjoy the annual fee discount of Ward in private bank.
Extended data:
1. The formula for calculating the minimum repayment amount is as follows:
Minimum repayment amount = 10% consumption balance+10% cash withdrawal balance+interest balance+other payable expenses balance+unpaid part of the minimum repayment amount in the previous period.
1, Bank of Communications adopts the method of revolving credit and interest calculation.
Revolving credit: Revolving credit is a small unsecured loan with daily interest. According to your financial situation, you can decide the repayment amount by yourself every month before the current credit card bill expires.
When the repayment amount is equal to or higher than the minimum repayment amount of the current bill, but lower than the current repayment amount, the remaining deferred repayment amount is the circulating credit balance.
2. Revolving credit interest rate:
The interest rate of revolving credit shall be uniformly stipulated by the People's Bank of China, and the daily interest rate shall be 0.5 ‰, with monthly compound interest.
3. Interest calculation of revolving credit:
The consumption amount of the last statement is the interest-bearing principal, and the interest-bearing days are from the account bookkeeping date to the account repayment date, and the daily interest rate is five ten thousandths. The interest on revolving credit will be listed in the next bill.
Two. Repayment by bank:
1. Bank's debit card automatically repays.
2. Bank debit card self-service repayment (online banking, mobile banking, telephone banking)
3. The bank's debit card is transferred and repaid through electronic channels.
4. Other banks' debit cards automatically repay loans across banks.
5. Cross-bank self-service repayment with debit cards of other banks (online banking and mobile banking)
6. Cash repayment at bank outlets
7. Cash repayment of bank automatic deposit machine
Third, the third-party payment platform repayment:
1, quick repayment
2. Alipay repayment
4. Tenpay Repayment
Four. Repayment through other channels:
1, UnionPay ATM inter-bank transfer repayment
2. Debit cards of other banks are transferred and repaid through electronic channels.
Baidu Encyclopedia-Bank of Communications Credit Card
How much is the annual credit card fee?
The annual credit card fee refers to the fee that the cardholder needs to pay to the bank during the use of the credit card. Generally, the annual credit card fee starts after the cardholder activates the credit card and is charged annually. Different levels of credit cards have different standards for charging annual fees; Different card-issuing banks have different annual fees.
In general, the annual fee for Puka is 100- 150 yuan; The annual fee for a gold card is 300-500 yuan, and the annual fee for a platinum card is often above 1000 yuan.
Credit card refers to various media that record the relevant information of the cardholder's account, have the function of bank credit line and overdraft, and provide relevant banking services for the cardholder.
The main features of credit cards:
1. Credit card is one of the fastest-growing financial services, and it can replace the traditional cash circulation in a certain range.
2. Credit card has both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers;
Credit card is a high-tech product integrating financial business and computer technology.
4. Credit cards can reduce the use of cash and currency;
5. Credit card can provide settlement service, which is convenient for shopping and consumption and enhances the sense of security;
6. Credit cards can simplify the collection procedures and save social labor;
7. Credit cards can promote commodity sales and social needs.
Main types
According to different card issuers, it can be divided into bank cards and non-bank cards.
Bank card. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or they can withdraw cash at any time at the outlets of the issuing bank or at places with ATMs.
Non-bank card. This kind of card can be divided into retail credit card and travel entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are specially used for shopping in designated stores or filling gas stations. , and settle accounts regularly. Travel and entertainment card is a credit card issued by airlines, travel companies and other service industries, which is used for ticket purchase, dining, accommodation, entertainment and so on.
According to the different issuing banks, it can be divided into corporate cards and personal cards.
Company card. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, state party and government organs, armed forces, organizations and other legal person organizations.
Personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. The personal card is applied in the name of an individual and bears all the responsibilities for its use.
According to the credit status of cardholders, it can be divided into ordinary cards and gold cards.
Ordinary card. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and the requirements are not high.
Gold card. Gold card is an advanced credit card that pays a high membership fee and enjoys special treatment. Card issuers are institutions with high credit, strong repayment ability, credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are wider, so the requirements for related service fees and deposits are higher.
How much is the credit card? How much is the credit card? This is the end of the introduction. I wonder if you have found the information you need?