How do the Dunhuang co-branded cards in Everbright Credit Card and the UnionPay China Youth Travel Service Credit Card deduct the free limit?

The annual fee is deducted.

The annual fee will be waived in the first year, and the annual fee will be waived in the following year if you make 6 purchases or a cumulative purchase of 2,000 yuan.

The annual fee for the Dunhuang co-branded card in Everbright Credit Card is: 300 yuan per year, waived in the first year, and swiped 6 times to waive the next year. The annual fee for the UnionPay China CYTS Credit Card in Everbright Credit Card: 200 yuan per year. The annual fee will be waived in the first year after activation (the "first year" is calculated based on the date of card issuance), and the annual fee for the next year will be waived if the consumption (including online payment, excluding cash withdrawal) is completed 3 times in the year or the cumulative consumption exceeds 2,000 yuan.

Is there any way for salespersons to reduce the annual fee of Everbright Dunhuang Credit Card?

No, they do not have the right to waive the annual fee. The only way is to contact the customer service of China Everbright Bank. See if I can help you, I'll be happy to answer it for you. [img]

What are the reasons why overseas buyers of Dunhuang.com refuse payment when applying for credit cards?

The reasons why credit card applications are not approved are:

1. Application Insufficient repayment ability. The applicant's insufficient repayment ability involves two aspects. One is the applicant's income. If the applicant's income is too low and exceeds the bottom line of the credit card issuance limit, the bank will reject the application. The other aspect is whether the applicant's job is stable. Many applicants have a high income, but due to unstable sources of income, such as self-employed people, the bank will worry about the applicant's future repayment ability and may reject the application.

2. The applicant’s credit record is not good. The applicant’s credit record will also be an important reason why the credit card is not approved. No matter how high the applicant’s income is, how great his position is, or even his high assets, However, if the applicant's credit record is not good and there are many overdue records, then the bank will think that although the applicant has the ability to repay, there is a possibility of being a "laid", that is, he can repay but does not. For banks, such cardholders are no more valuable than people who have no ability to repay, which will also result in the credit card not being approved.

3. The applicant does not have a card-issuing bank branch in the local area. Although the bank does not clearly state that applicants from certain areas cannot apply for a card when applying for a credit card, the bank will consider applicants who do not have a bank branch in the area when approving a credit card. The application information will be directly rejected.

4. Too many credit cards. If the applicant holds too many credit cards, the bank will look at the overall credit limit of the credit cards it currently holds compared with its income when evaluating whether to issue a card. , whether you still have the ability to repay the new credit card.

That’s it for the introduction of Dunhuang Credit Card.