How much is the annual fee of hengfeng bank Jingdong Financial Co-branded Credit Card?
As we all know, the annual fee of a credit card is usually linked to the level of the card. The higher the level, the more expensive the annual fee.
Although hengfeng bank Jingdong Financial Co-branded Credit Card is positioned as a platinum card, it is free of annual fee for life, so there is no annual fee pressure for handling the card, and there will be no annual fee whether it is activated or not. It should be noted that although the annual fee is free, it does not mean that other fees can be free.
After consulting hengfeng bank online customer service, I learned that this credit card will also involve the following fees:
1. installment fee: this is an automatic installment credit card. Each consumption of 300 yuan or more is automatically divided into 12 installments, and the handling fee for each installment is 7%.
2. Withdrawal fee: After handling the credit card, you can use the JD Finance co-branded credit card to withdraw urgently needed funds, both at home and abroad, but the withdrawal fee will be different. The domestic cash withdrawal fee is 1% of the cash withdrawal amount, with a minimum of 10 yuan RMB per transaction; The handling fee for overseas cash withdrawal is 3% of the cash withdrawal amount, with a minimum of 15 yuan RMB per transaction.
3. Interest: Interest will be generated whether it is withdrawn or overdue repayment. The interest will be calculated on a daily basis, and the interest rate will be five ten thousandths.
4. Fee for card replacement: If you accidentally lose the hengfeng bank Jingdong Finance co-branded credit card, you'd better report the loss and reissue a new card in time. The loss reporting fee is per card in 50 yuan, and the replacement fee is per card 15 yuan.