For users affected by the epidemic, many banks have launched credit card deferred repayment policies, and some banks have even taken the initiative to postpone cardholders' bills.

Author|Zhang Haodong

Production|Payment Encyclopedia

01

If you do not sign in, there will be no charge.

Many cardholders reported to Payment Encyclopedia that they recently received text messages from China Construction Bank. The content of the text messages was: "Due to the epidemic, China Construction Bank has provided deferred repayment services for this bill. The remaining amount due on the current bill has been included in the next bill. This service is free, and returning the next bill on time will not affect your credit report. It is understood that CCB has been actively contacting cardholders since April.

According to the text message sent by China Construction Bank to cardholders, the deferred repayment service provided this time gives cardholders more breathing time. The key is that they do not obtain a credit reference and do not charge any additional fees.

Many cardholders who received text messages in April received text messages again in May, which is equivalent to delaying the bills in March and April, which is very user-friendly.

Under normal circumstances, cardholders usually have an interest-free period of more than one month after using their credit cards. Take China Construction Bank’s credit card as an example. Assume that the billing date of the cardholder's credit card is the 2nd of each month and the repayment date is the 22nd. Credit card bills that cardholders need to repay on April 22 can be repaid together on May 22.

If you have not received the SMS notification from the bank, you can also open the App yourself. Some users directly check the label in the bill record: special event delayed repayment reversal, which means that the cardholder no longer needs to repay the credit card debt that month.

Affected by the epidemic, most people in Shanghai are unable to work normally and their income has dropped significantly. On the one hand, they have to face long-term loans such as housing loans and car loans, and on the other hand, they have to pay off their credit card bills on time. Repayment pressure has become a common problem for users.

Considering the actual situation and economic status of many cardholders, banks have begun to provide differentiated financial services, which is an effective means to solve the problem that many cardholders cannot repay on time. However, the active application operation mode makes the simple process cumbersome, and some people think that they will not give up the application.

It seems that the bank's initiative to offer deferred repayment of credit card bills is more in line with the needs of cardholders, but this means that the bank has to bear higher costs, which is equivalent to the cardholder using the credit card funds interest-free for two months. . Therefore, most banks will not proactively provide services.

It is worth noting that CCB’s proactive credit card bill deferral service is currently only available in Shanghai. Cardholders in other regions cannot receive text messages from CCB for the time being, but they can actively apply by phone, and the pass rate is also very high.

02

More banks join.

At present, the credit card extension process of major commercial banks is mainly online, and the relevant extension rules are more complete than before, bringing convenience to cardholders to the greatest extent.

After the Agricultural Bank of China, Bank of Communications, and Guangfa Bank all issued notices, more banks joined in, including Shanghai Rural Commercial Bank, Bank of Nanjing Shanghai Branch, etc. All have opened credit card deferred repayment services, and deferred repayments will not affect the credit score of cardholders.

Bank of Communications provides credit card deferred repayment services and continuously optimizes the deferred repayment exemption policy for credit card customers. Customers with normal account status in areas severely affected by the epidemic can choose relevant deferred repayment services according to the service text message sent by Bank of Communications.

CGB Credit Card also issued a notice to provide caring services to those affected by the epidemic. If cardholders are temporarily unable to handle credit card debt, they can contact the CGB credit card customer service hotline to apply for an extension of repayment, or apply for installment repayment by phone or online to reduce repayment pressure.

The Shanghai Branch of Bank of Nanjing also actively responded to the national policy call and quickly launched a credit card repayment interest fee reduction policy. Customers affected by the epidemic can adjust their credit card overdue and credit information after providing corresponding materials and passing the review.

In the early days, Shanghai Rural Commercial Bank

Although the current policies of various banks are different, the starting points are all good. For cardholders, credit card repayment deferral is only temporary, and the more important thing is to restore earnings as soon as possible. Cardholders who face long-term repayment pressure can also choose credit card installment.

Related Q&A: How much is the annual fee for CCB's credit card?

The annual fee policy for CCB's credit card is roughly as follows:

For regular cards, the annual fee for the main card is 80 yuan and for the supplementary card is 40 yuan;

p>

Gold card main card: 160 yuan for the main card and 80 yuan for the supplementary card; for both of them, the annual fee will be reduced if you make 3 transactions with the card or withdraw cash (no limit on the amount) every year.

Titanium Platinum Card: RMB 380 for the main card and RMB 180 for the supplementary card. The annual fee is waived for 6 purchases or cash withdrawals per year (no limit on the amount). (This is a preferential annual fee policy until December 31, 2017)

The annual fee for the standard platinum card is 580 yuan for the main card and 300 yuan for the supplementary card. The annual fee is waived if you make 10 card purchases or withdraw cash every year (no limit on the amount).

There are also some special cards, such as car cards. The annual fee of 200 yuan will be charged as long as the card is opened, and it cannot be waived by how many transactions are made. However, the service of this card is good, and it can provide discounts on car washes. Points can be used for oil changes and free roadside assistance.

The Football World Cup credit card and Olympic Dragon Card launched last year are free of annual fees within the validity period (apply before December 31, 2014).

So, the specific annual fee charged depends on the actual card type!