Is there an annual fee for Zheshang Bank Credit Card?

Cardholders who want to know whether there is an annual fee for their credit card can check through various channels, such as calling the bank customer service hotline. The bank customer service will tell them the annual fee of the credit card and also know the exemption. Policy; users can also bring their credit card to the bank counter to inquire, and they can also know.

When the annual fee of a credit card is reduced or reduced, it is generally exempted after a certain number of card swipes. If the number of credit card swipes does not meet the requirements, the annual fee of the credit card cannot be reduced or reduced; after the annual fee of the credit card is generated, it must be reported promptly. Return, cannot be returned after the due date, otherwise penalty interest will be incurred.

Users must repay the annual credit card fee in a timely manner. However, many banks have introduced a recharge policy. As long as the number of subsequent credit card swipes reaches the required number, the bank will refund the annual fee collected. It should be noted that late repayment of credit card annual fees will affect personal credit, and bad credit will affect the processing of various loans.

Credit cards must be repaid on time for daily use. If you cannot repay on time, you can use installment repayment or the minimum repayment amount, which will reduce the monthly repayment amount and avoid overdue payments. Repayment status. Later, when individuals have spare money, they can repay the loan in advance, thus reducing handling fees.

When using credit cards on a daily basis, you must measure your repayment ability. When your personal income is relatively high, you can safely use credit cards to make purchases; if your personal income is relatively small, you must use credit cards cautiously to avoid failure in the future. If you return it on time, you can borrow money from friends around you to repay it if you can't, so as to avoid overdue payment.

Is there an annual fee for Zheshang Bank’s credit card?

The Zheshang Bank Credit Card Gold Card is currently free of annual fees.

According to Zheshang Bank’s credit card annual fee exemption policy: from April 28, 2015 to December 31, 2016, annual fees for unlimited cards, diamond cards, platinum cards, gold cards and regular cards are waived .

Zheshang Bank credit card annual fee details:

1. Credit card

1. Unlimited card: main card 20,000 yuan/card, supplementary card 10,000 yuan /card,

2. Diamond card: main card 10,000 yuan/card, supplementary card 5,000 yuan/card,

3. Platinum card: main card 2,000 yuan/card, supplementary card 1,000 yuan/card,

4. Gold card: 200 yuan/card for the main card, 100 yuan/card for the secondary card,

5. Card: 100 yuan/card for the main card, Supplementary card is 50 yuan/card,

What is the annual fee for credit cards of major banks, and under what circumstances is the annual fee waived?

The annual fees and annual fee exemptions of major banks' credit cards:

1 Industrial and Commercial Bank of China: The card application fee is 5 yuan, the annual fee is 10 yuan/year, and the fee is less than 300 yuan. Small-deposit account management fee is 3 yuan/quarter, and inter-bank withdrawals in the same city are 2 yuan/transaction

2 Agricultural Bank of China: Card application fee is 5 yuan, annual fee is 10 yuan/year, small-deposit accounts are accepted if the amount is less than 300 yuan The management fee is 3 yuan/quarter, and the inter-bank withdrawal in the same city is 2 yuan/transaction (4 yuan in Guangdong Province)

3 China Construction Bank: the card application fee is 5 yuan, the annual fee is 10 yuan/year, and the fee is less than 500 yuan. The small account management fee is 3 yuan/quarter, and no interest is given for this type of account, and the inter-bank withdrawal in the same city is 4 yuan/1% of the withdrawal amount (which means it is higher than other banks’ fees for withdrawing money from other places). I am so evil and I am obviously forcing myself. Customers of other banks do not go to other banks to withdraw money, so other bank customers can get commissions when they withdraw money from their own ATMs, so even if you use other banks’ cards to cross banks for free, you should not go to China Construction Bank to withdraw money)

4 Bank of China: The card application fee is 5 yuan, the annual fee is 10 yuan/year, no small account management fee is charged, and inter-bank withdrawals in the same city are 4 yuan/transaction

5 Bank of Communications: The card application fee is 5 yuan, The annual fee is 10 yuan/year, a small account management fee of 3 yuan/quarter for less than 500 yuan, and a withdrawal of 2 yuan/transaction between banks in the same city

6 Postal Savings: Free card application, and a withdrawal of 2 yuan/across banks in the same city Most provinces and cities do not charge annual fees or small-amount account management fees

7 China Minsheng Bank: Free card application, no annual fees, no small-amount account management fees (except Shenzhen), cross-bank in the same city The first three withdrawals per month are free, and the next three withdrawals are free of charge

8 China Everbright Bank: Free card application, no annual fee, no small account management fee, the first three withdrawals per month across banks in the same city are free, 2 yuan/transaction in the future

9 CITIC Bank: Free card application, no annual fee, no small account management fee, same-city inter-bank withdrawals are free for the first 2 transactions per month, and 2 yuan/transaction after that

10 Hua Xia Bank: Free card application, no annual fee, no small account management fee, intra-city inter-bank withdrawals are free for the first transaction every day (note 1: daily, not monthly), and 2 yuan/transaction after that

11 Shanghai Pudong Development Bank: Free card application, no annual fee, intra-city inter-bank withdrawals of 2 yuan/transaction, account management fee of 12 yuan/year, if the balance in the account is always more than 1,000 yuan, or a POS card payment is made within the year ( It doesn't matter how much, they're just encouraging card use), then it's free.

12 Industrial Bank: Free to apply for a card, no annual fee, no small account management fee, the first three withdrawals per month for inter-bank withdrawals in the same city are free, then 2 yuan/transaction

13 Investment Promotion Bank: Free to apply for a card, no annual fee, 2 yuan/transaction for inter-bank withdrawals in the same city, account management fee: 1-5 yuan/month for the same customer with less than 10,000 yuan of assets in the bank (each branch decides at its own discretion, 1 yuan in Beijing, Qingdao 5 yuan, Tianjin 5 yuan, Shenzhen 3 yuan, I don’t know the rest). The “daily average assets” here refers to the sum of all deposits and treasury bonds in the bank. For example, you deposited 10,000 yuan in China Merchants Bank. Time deposit certificate, if you apply for 10 bank cards, and there is no money in each card, then these 10 cards will not charge money, but you have 3 cards, and the deposits in the cards are 3,000 yuan, 2,000 yuan, 2,000 yuan respectively, the total If it is less than 10,000, then each card will be charged.

14 Shenzhen Development Bank: It is free to apply for a card, no annual fee, and a small account management fee of 1 yuan/month is charged for purchases less than 300 yuan, but you only need to swipe the card once at the POS to make a one-year exemption, so Basically, there will be no charges. Withdrawals from banks in the same city are completely free (except Shenzhen, Chengdu, and Chongqing, 2 yuan/transaction)

15 Guangdong Development Bank: Free card application, no annual fees, and no small account management Fees, whether in the same city or across different places, the first 3 withdrawals per month are free, and the subsequent 3 yuan/transaction

16 Bohai Bank: In principle, it is 20 yuan to apply for a card, the annual fee is 20 yuan/year, and it is charged for less than 5,000 yuan. The account management fee is 5 yuan/month, but in fact it is free to apply for the card, no annual fee, no small account management fee, and withdrawals from banks in the same city are completely free. This is a newly established bank with a national license (general *** nationwide). 18), currently only has business outlets in Tianjin, Beijing, Jinan, Taiyuan, Hangzhou, Tangshan and Chengdu.

17 Hengfeng Bank: Free card application, no annual fees, no small account management fees, nationwide inter-bank withdrawals of 2 yuan/transaction, currently the bank only operates in Yantai, Qingdao, Jinan, Hangzhou, There are business outlets in Nanjing.

18 Zheshang Bank: 10 yuan to apply for a card, annual fee 10 yuan/year, no small account management fees, the first 3 withdrawals per month for inter-bank withdrawals in the same city are free, and 2 yuan/transaction thereafter. Currently, the bank We only have business outlets in Hangzhou, Ningbo, Wenzhou, Yiwu, Shanghai, Nanjing, Chengdu, Xi'an, and Tianjin.

19 Bank of Nanjing: All fees are waived. There are no fees for withdrawing money from any ATM in China.

The above is the specific situation of the 18 banks with national licenses.

Among online banks, Industrial and Commercial Bank of China, China Merchants Bank, China Minsheng Bank, and Shanghai Pudong Development Bank have the most complete functions. Agricultural Bank of China, China Construction Bank, Bank of China, Bank of Communications, Hua Xia, Industrial Bank, Shenzhen Development Bank, and Everbright can also fully meet the needs. Guangfa's functions are weaker, as are the three small banks. The Postal Service does not yet have online banking in a complete sense.

In addition, the cards of local banks, city commercial banks, urban credit unions (definitely not available in big cities), rural commercial banks (suburban areas of large cities), and rural credit cooperatives (suburban areas of small and medium-sized cities) are also good and charge a fee. Generally it is relatively low, you can try it.

Large local city commercial banks:

Bank of Beijing

Bank of Shanghai

Bank of Tianjin

Shenzhen Ping An Bank

Huishang Bank

Langfang Bank

What is the annual fee for Zheshang Bank UnionPay Standard Card? The annual fee is waived by swiping a few times

Many cardholders will pay attention to the annual fee when applying for a credit card. After all, most bank credit cards charge annual fees, and the annual fee charging standards vary depending on the card type. same. However, if you apply for a Zheshang Bank credit card, you don’t have to worry about this annual fee at all. Why is this? Let’s take the Zheshang Bank UnionPay Standard Card as an example to introduce you to the specific reasons.

The annual fee mentioned by a credit card refers to the usage fee of the credit card. You can deduct it by swiping a certain number of times. However, the number of annual fee exemptions for different cards is different. The details are subject to the standards announced by the card issuer. .

The annual credit card fees of most banks vary according to the card level, ranging from a few dozen to tens of thousands. The specific charging standards depend on how each bank stipulates them.

Among all commercial banks, Zheshang Bank’s credit card annual fees are also set according to levels. The annual fee for regular cards is the lowest, the annual fees for gold cards are medium, and the annual fees for unlimited cards such as platinum cards are The highest, take this UnionPay standard card as an example. This card has two types: regular card and gold card, and the annual fee standards are also different.

Although I have not seen the specific amount of the annual fee for this card on the official website, I guess based on experience that the annual fee for the regular card is higher than that for the gold card. As for whether it is tens or hundreds, it is unclear. And know it.

However, here is good news for you. In order to attract customers, Zheshang Bank Credit Card exempts customers from nationwide deposit and withdrawal fees (except overdraft withdrawals), SMS notification fees, annual fees, and replacement/replacement of cards. There are seven fees including fees, bill replacement fees, issuance certificate fees, and over-limit fees.

The regulations given by China Zheshang Bank are that from April 28, 2015 to December 31, 2016, no annual fees will be charged for unlimited cards, diamond cards, platinum cards, gold cards and regular cards. , which means that cardholders do not need to pay any annual fees during this period.

(No annual fee, all seven major fees are waived, and the installment rate is low)

How much is the annual fee for the Zheshang Bank Credit Card Gold Card?

The Zheshang Bank Credit Card Gold Card is currently free of annual fees.

According to Zheshang Bank’s credit card annual fee exemption policy: from April 28, 2015 to December 31, 2016, annual fees for unlimited cards, diamond cards, platinum cards, gold cards and regular cards are waived .

Zheshang Bank credit card annual fee details:

1. Credit card

1. Unlimited card: main card 20,000 yuan/card, supplementary card 10,000 yuan /card,

2. Diamond card: main card 10,000 yuan/card, supplementary card 5,000 yuan/card,

3. Platinum card: main card 2,000 yuan/card, supplementary card 1,000 yuan/card,

4. Gold card: 200 yuan/card for the main card, 100 yuan/card for the secondary card,

5. Card: 100 yuan/card for the main card, Supplementary card is 50 yuan/card,

2. Quasi-credit card:

1. Gold card: The main card is not more than 200 yuan/card, the supplementary card is not more than 100 yuan /card,

2. Regular card: the main card is no more than 100 yuan/card, the secondary card is no more than 50 yuan/card,

Institutional card: no more than 300 yuan /Card.

That’s it for the introduction of Zheshang Credit Card, does it require an annual fee?