the annual fee of Liu Xiang VISA credit card of bank of communications is: Puka 14 yuan (with attached card 7 yuan) and Jinka 2 yuan (with attached card 1 yuan). The annual fee is free in the first year, and the annual fee for the next year can be exempted after swiping the card six times a year.

In principle, spending can't exceed the credit limit, but sometimes spending by credit card will exceed the limit. Generally, 1% of the limit is allowed, but it should be paid back in time, otherwise, the excess fee will be charged (5% of the excess, the minimum 5 yuan or US$ 1).