Here, we take the SDB smart car card as an example:
Annual fee of main card: annual fee of ordinary card 175 yuan.
Annual fee-free policy: annual fee-free in the first year, and annual fee-free in the following year after brushing 18 times.
Cash advance limit: 50% of the credit limit.
Interest-free period: 20 to 50 days.
Consumption verification method: signature signature password
Revolving credit interest (daily interest): 0.05% interest is charged every day.
Consumer SMS notification fee: consumers in 300 yuan and above will be notified by SMS for free.
Minimum repayment: 5% of the minimum repayment.
Bookkeeping date: Bookkeeping date is 5th, 10, 15, 20th and 25th of each month, and cannot be modified.
Online payment: after the phone is opened, you can choose different online payment methods, and the limits of different payment methods are also different. Scratch card: the daily limit is 5000 yuan; Digital certificates and encoders: unlimited
How to apply for a credit card?
The credit card processing method is as follows:
1. Prepare materials. When you go to the bank to apply for a credit card, you must first prepare the corresponding processing materials, which generally include the original ID card, work certificate, income certificate, etc.
2. Go to the bank to get the number. After you prepare the information, you need to choose a favorite bank outlet and go to the bank self-service number machine to get the number during working hours, ready to handle the business.
3. Fill in the card processing information. Generally, you can ask the bank lobby manager how to fill in the information after taking the number, and fill in the information according to the tips of the staff and the template provided by the bank. The required information is accurate and cannot be erased.
4. Submit information. Fill in the corresponding information and wait for the phone call from the bank counter. After getting the number, go to the counter to submit the information needed to apply for the card and wait for the bank to review it.
5. Anti-audit. After receiving your audit data, the counter staff will review the data according to the corresponding regulations of the bank to see if it meets the conditions for handling credit cards. If there is, it has passed the audit. If you can't do it, it will tell you why.
6. Hairpins are activated. If the bank has issued a card, the bank counter staff will send it to you in time and help you activate it. Since then, your credit card has been successfully processed.
Extended information:
First, the advantages and disadvantages of doing a credit card:
(a) Benefits of credit cards:
1. If there is no deposit for overdraft consumption, you can enjoy an interest-free period of 20 to 56 days.
When shopping, you will get points as a gift.
3. Special merchants who hold cards in banks can enjoy preferential treatment.
4. Accumulate personal credit, and credit records can be added to credit files.
5. You can withdraw money or swipe your card at ATMs and POS machines with UnionPay logo.
6. Some credit cards accept existing points.
7. Mail the statement free of charge every month.
8. Accessory card function, you can manage your finances together, and you can also master your child's financial expenses.
9. In the form of one card and two coins, you can repay in domestic RMB when you spend abroad.
10, 24-hour service hotline, loss reporting takes effect immediately.
1 1. Cooperate with third-party platforms to provide preferential services for cardholders.
(2) Disadvantages of credit cards:
1. Credit cards can easily lead to excessive consumption.
2. The annual interest rate of credit card is relatively high.
3. Credit card debt will bring mental stress.
4. If the credit is bad, the cost of borrowing money will be higher, or even you can't borrow money.
Is it easy to apply for a deep credit card?
Didn't say that credit cards are easy to handle. As long as you provide enough application materials, you can successfully apply for a credit card in any bank.
You first ask the bank for an application form and proof of salary, then stamp the company, then provide the following information and send it back to the bank, and you will receive the credit card in three to four weeks.
To apply for a credit card, you must have a permanent job. When submitting the application form, please attach the following necessary documents so that the bank can accept the application in time and accurately evaluate the applicant's credit status.
ID card: Copy of ID card (military personnel need an officer's card). The main card applicant must be 18-60 years old.
Salary certificate of work unit: it can be issued for the work unit where the applicant works (with the financial seal or official seal of the unit required), a copy of work permit or a copy of work permit with my photo, a business card, etc.
Proof of financial resources (optional but not necessary) helps to obtain a higher credit limit:
Copy of self-owned property certification document
Original and photocopy of motor vehicle driving license
Copy (discount) of bank time (living) deposit certificate.
Copy of academic credentials, etc.
Free credit card annual fee for life 15 bank credit card list
1, Industrial Bank:
During the promotion period, those who apply for large and small cards will be exempted from the annual fee for life, and VIP members and super VIP members of Tianjin Friendship Commercial Building will successfully apply for Tianjin Friendship Co-branded Credit Card and directly enjoy the annual fee exemption for life.
2. ICBC:
Peony Platinum Credit Card has accumulated 4 million points, and other credit cards are free of annual fees for life as long as they are used for ten years.
3. China Construction Bank:
Red Cross Co-branded Card and Official Card
4. China Merchants Bank:
Samsung and Olympic VISA card
These two cards are also free of annual fees for life, but unfortunately the small card is a single-currency card of US dollars.
5. China Everbright Bank:
Beijing Housing Special Maintenance Fund Card
6. Pudong Development Bank:
Maidouka
7. Bank of Shanghai:
Except for Xingyun and Xinya series cards, all others are exempt from the annual fee permanently, while "Xingyun" series credit cards can be exempted from the annual fee for life if they are swiped 6 times and "Xinya" 1 time in the first year.
8. Shenzhen Development Bank:
Shanghai Youth Card
If the cardholder chooses to use the credit card function, and is in the study period of full-time students, as well as poor and outstanding young people recognized by the Communist Youth League Committee, the bank will be exempted from the annual fee, and if the cardholder chooses the debit card function, no annual fee will be charged;
9. Bank of Communications:
10, Agricultural Bank:
1 1. China CITIC Bank:
12, Huaxia Bank:
700 yuan's annual fee can be waived in the first year.
13, China Postal Savings Bank:
14, Bank of China:
15, Bank of Ningbo:
Details of credit card withdrawal fees of major banks
I believe many people will use credit cards to withdraw cash when they are extremely short of money or unable to turn around, right? Do you know the withdrawal fees of credit cards in major banks?
Some time ago, I used China Merchants Bank to withdraw cash, and as a result, I deducted a lot of fees, so I picked up a complete collection of credit card withdrawal fees online and shared it with you here:
China Industrial and Commercial Bank Credit Card Withdrawal Fee
Local bank: free of charge
Local Interbank: 2 yuan/Pen
Foreign banks: 1% of the cash withdrawal amount, with a minimum of 1 yuan per transaction and a maximum of 50 yuan.
Inter-bank in different places: 1% of the cash withdrawal amount, with the lowest 1 yuan/transaction and the highest 50 yuan/transaction, and an inter-bank handling fee is added for each 2 yuan.
China Agricultural Bank Credit Card Withdrawal Fee
Domestic banks: withdrawal amount 1%, with a minimum of 1 RMB per transaction.
Other domestic banks: 1% cash withdrawal amount in 2 yuan, with minimum 3 yuan per transaction.
Overseas (UnionPay network): withdrawal amount 1%, 12 yuan.
Overseas (non-bank network): 3% of the cash withdrawal amount, with a minimum of $3/transaction (or equivalent).
Construction bank credit card withdrawal fee
Domestic: 1% of the cash withdrawal amount, with the lowest 2 yuan per transaction and the highest 100 yuan per transaction.
Overseas (UnionPay network): 1% withdrawal amount 12 yuan, with the lowest amount per transaction 14 yuan.
Overseas (non-bank network): 3% of the cash withdrawal amount, with a minimum of $3 per transaction (European tourist card: 3 per transaction).
Bank of China credit card withdrawal fee
1, Great Wall Global Connect series products (cash withdrawal at the counter)
Local bank: free of charge
Banks in other places: 1% of the cash withdrawal amount, with a minimum of 10 yuan and a maximum of 50 yuan.
Overseas (bank or non-UnionPay institution): 3% of the cash withdrawal amount, with a minimum of USD/transaction or 500 yen/transaction.
2. Great Wall GSM series products (self-service terminal cash withdrawal)
Local bank: free of charge
Foreign bank: 65,438+00 yuan each.
Local interbank: 4 yuan/pen.
Cross-bank in different places: 65,438 yuan +02/ pen.
Overseas (bank or non-UnionPay institution): 3% of the cash withdrawal amount, with a minimum of USD/transaction or 500 yen/transaction.
Overseas (UnionPay): RMB 15 yuan/transaction.
3. BOC series products (cash withdrawal at the counter)
Domestic banks: 65,438+0% of the withdrawal amount, with a minimum of 65,438+00 yuan for each withdrawal.
Overseas (bank or non-UnionPay institution): 3% of the cash withdrawal amount, with a minimum of USD/transaction or 500 yen/transaction.
4. BOC series products (self-service terminal cash withdrawal)
Domestic bank: 65438+ 0% of the cash withdrawal amount, with a minimum of 8 yuan RMB per transaction.
Domestic inter-bank: 65,438+0% of the withdrawal amount, with a minimum of 65,438+02 yuan each.
Overseas (bank or non-UnionPay institution): 3% of the cash withdrawal amount, with a minimum of USD/transaction or 500 yen/transaction.
Overseas (UnionPay): Withdrawal amount 1%, with a minimum of 15 yuan RMB per transaction.
Bank of communications credit card withdrawal fee
Domestic banks: 65,438+0% of the withdrawal amount, with a minimum of 65,438+00 yuan for each withdrawal.
Domestic banks: the withdrawal amount is 65,438+0%, with a minimum of RMB 65,438+00 per transaction; An extra inter-bank handling fee is charged for each 2 yuan.
Overseas (UnionPay network): 1% withdrawal amount 12 yuan, with the lowest amount per transaction 15 yuan.
Overseas (non-bank network): 65438+ 0% of the withdrawal amount, with a minimum of $5 each.
China CITIC Bank Credit Card Withdrawal Fee
Domestic: 2% of the cash withdrawal amount, with a minimum of 20 yuan each.
Overseas: 3% of the cash withdrawal amount, with a minimum of 3 yuan dollars, 30 yuan dollars or 3 yuan euros.
Note: southern fund Card, Taskey Jika, Blue Card and other products with special withdrawal fees are excluded.
China Everbright Bank Credit Card Withdrawal Fee
Domestic (RMB): 65438+ 0% of the cash withdrawal amount, with the lowest in 3 yuan and the highest in 200 yuan.
Domestic (USD): 65438+ 0% of the withdrawal amount, with a minimum of USD 3 and a maximum of USD 30.
Overseas (UnionPay network): the withdrawal amount is 1%, with a minimum of 15 yuan RMB per transaction.
Overseas (JCB network): the minimum withdrawal amount is USD 3/transaction and the maximum is USD 30/transaction.
Overseas (MasterCard and Visa): 65,438+0% of the withdrawal amount, with a minimum of $3 and a maximum of $30 each.
Minsheng bank credit card withdrawal fee
Domestic banks: the minimum withdrawal amount is 65,438 yuan +0 yuan/transaction.
Domestic banks: withdrawal amount 1%, with a minimum of 1 RMB per transaction.
Overseas cash advance: 3% of the cash withdrawal amount, with a minimum of 3 dollars or 2 euros or 2 pounds or 4 Australian dollars or 4 Canadian dollars or 300 yen per transaction.
China merchants bank credit card withdrawal fee
Domestic: 65,438+0% of the cash withdrawal amount, with a minimum of 65,438+00 yuan each.
Overseas: 3% of the cash withdrawal amount, with a minimum of 30 yuan RMB or USD 3/transaction (American Express Card: USD 5/transaction).
Guangdong development bank credit card withdrawal fee
Domestic (RMB card, dual-currency card): The minimum cash withdrawal amount is RMB 10 yuan/transaction.
Domestic (USD card, HKD card): overseas (RMB card) cash withdrawal amount: 3% of the cash withdrawal amount, with a minimum of 15 yuan per transaction.
Overseas (USD card): 3% of the cash withdrawal amount, with a minimum of USD 5 per transaction.
Overseas (HKD card): 3% of the cash withdrawal amount, with a minimum of HKD 40 per transaction.
Overseas (dual-currency card): 3% of the cash withdrawal amount, with a minimum of RMB 15 yuan or USD 3 per transaction.
Shenfa Bank Credit Card Withdrawal Fee
1, development of credit card withdrawal fee.
Domestic: The minimum cash withdrawal amount is RMB 25 yuan/transaction.
Overseas: 40 yuan/pen
2, the development of international card withdrawal fees.
Domestic and overseas: 3% of the cash withdrawal amount, with a minimum of $3/
3. Withdrawal fee for platinum card and retail card
Domestic: The minimum cash withdrawal amount is RMB 25 yuan/transaction.
Overseas (UnionPay network): 40 yuan RMB/transaction.
Overseas (VISA): 3% of the withdrawal amount, with a minimum of $5 each.
Shanghai Pudong development bank credit card withdrawal fee
Domestic: 3% of the cash withdrawal amount, with a minimum of 30 yuan RMB per transaction.
Overseas: 3% of the withdrawal amount, with a minimum of $3 each.
Industrial Bank Credit Card Withdrawal Fee
2% of the cash withdrawal amount, with a minimum of RMB 20/transaction or USD 2/transaction (regardless of the same city and different places).
Bank of Shanghai credit card withdrawal fee
Domestic banks: 2% of the cash withdrawal amount, with a minimum of 30 yuan RMB or US$ 4 per transaction.
ATM machines of other domestic banks (same city): 2 yuan/pen.
ATM machines of other domestic banks (off-site): 1% cash withdrawal amount 2 yuan; The lowest 3 yuan/pen, the highest 52 yuan/pen.
Overseas: 65438+ 0% of the withdrawal amount, with a minimum of $2 each.
Bank of Beijing credit card withdrawal fee
Domestic: 65,438+0% of the cash withdrawal amount, with a minimum of 65,438+00 yuan each.
Overseas: 65,438+0% of the withdrawal amount, with a minimum of 65,438+00 RMB or 2 USD each.
Bank of Ningbo credit card withdrawal fee
Domestic: 2% of the cash withdrawal amount (minimum 20 yuan for business cards)
Overseas (MasterCard counter): 3% of the cash withdrawal amount, with a minimum of $65,438+00 per transaction.
Overseas (MasterCard ATM): 2% of the cash withdrawal amount, with a minimum of $3 per transaction.
Hong Kong, Macao and overseas (UnionPay ATM): RMB per transaction 15 yuan.
What information should be prepared for Shenfa Bank's credit card processing?
What information should be prepared for Shenfa Bank's credit card processing? When applying for SDB credit card, the applicant needs to prepare relevant application materials. The materials required to apply for Shenfa Bank Credit Card mainly include the following contents:
1. Copy of the applicant's ID card (main card and supplementary card);
2. Work certificate: a copy of the work permit/license indicating the name of the applicant's work unit, my name and photo, or the original work certificate issued by the personnel department of the unit;
3. Proof of address (choose one of the following): original documents of water, electricity, gas, fixed telephone, etc. During the current residence.
Providing the following information can increase the credit limit:
1, a copy of the applicant's house ownership certificate;
2. A copy of the applicant's annual motor vehicle driver's license;
3. A copy of the applicant's time deposit certificate in Shenzhen Development Bank;
4. A copy of the applicant's intermediate title or other professional qualification certificate;
5. Proof of the applicant's income: including a copy of the income tax withholding certificate, a copy of the salary passbook issued by the bank, the original payroll, etc.
Note: Under normal circumstances, when the applicant's work place and residence are in cities with branches of the Bank, we regard the applicant as a local household registration. However, if the applicant meets one of the following conditions, it can also be regarded as a local household registration:
1. The domicile is not in a city with a bank branch, but the work place is in a city with a bank branch, and there is a commercial house of 70 square meters or more (confirmed by the real estate license).
2. The household registration is not in the city where the branch of the Bank is located, but it has the residence permit for talents in the city where the branch of the Bank is located.
Apply for a credit card
This is the end point of Shenfa Bank credit card and Shenfa Bank credit card quota. I wonder if you found the information you need from it?