Requirements for applying for the Bank of Communications YP card (black and white card); stable job, monthly income of more than 1,000 yuan, fill in the application form in person, submit a copy of the ID card and a work certificate (the work certificate only needs to be provided by the employer in our bank The certificate shall be stamped with the official seal of the unit, financial seal, or personnel seal).

Overdraft limit; ranging from 2,000 to 50,000 yuan (based on the personal information filled in by the individual).

There are no handling fees or interest for card consumption, and the longest interest-free period for consumption in China is 25-56 days (if a short-interest reminder bill is issued, the interest-free period can reach 58 days)

You can enjoy interest-free installment payment, regardless of merchants and commodities. You can enjoy interest-free installment payment business (can be divided into installments) by swiping your card in any shopping mall, electronics city, supermarket, restaurant, hotel, etc. in Tangshan and the country for a single purchase of 1,500 yuan or more Issue 3.6.9.12.18.24). YP card can be used for installment payment for 500 yuan, and the handling fee is 0.68-0.72

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Not only will there be a form-filling gift, but also a card opening present. Moreover, the Bank of Communications card can also be used as a discount card.

Moreover, online payment is relatively affordable, with a daily cap of 5,000 for online consumption and no monthly cap.

Also, the Bank of Communications YP card charges a handling fee of 5 yuan no matter how much cash you overdraw (commonly known as cash withdrawal). This is the lowest among peers.

But when you talk about interest-free installments above 1,500, do you still need to pay installment fees? If it is only interest-free installment, many banks are interest-free and only charge a one-time handling fee.

Each bank has a handling fee. 1,500 is just the bottom line for installments with ordinary cards, but 500 for the Youth YP Card can be applied for installments. Also, if your YP card application is successful, you will not be charged interest and handling fees when you apply for installment for the first time. This is a discount for new customers.

Also, you all mentioned that there is a 5 yuan handling fee for withdrawing cash with the YP card. So if you withdraw cash with an overdraft, is there no daily interest of 50,000 yuan in addition to the 5 yuan?

There is interest.