1. Functions of global cards
① Three basic functions: credit consumption, cash advance and transfer settlement;
Real credit card: spend first, then repay;
2. Global gold card application conditions:
① The applicant must be at least 18 years old;
(2) China citizens with civil capacity and legal and stable income shall go to the offline counter of Bank of China to handle business with their personal ID cards, income certificates and work certificates.
Supplementary explanation:
Foreigners who have the right of abode and other conditions in China, Hong Kong compatriots, Macao compatriots and Taiwan Province compatriots can apply for BOC credit cards locally.
The better the applicant's personal qualifications, the higher the credit card limit or grade you can apply for.
(3) At present, all the cards of China Bank are co-branded cards. Gold card or platinum card, the cardholder needs to have good personal qualifications.
(4) When handling credit cards, users need to provide proof of permanent address, monthly statement of credit cards or proof of personal income tax payment in the last three months.
1. Costs related to global cards.
① Late payment fee: 5% of the unpaid minimum repayment amount in each installment;
② Overlimit fee: 5% of the part exceeding the credit limit;
③ Cash withdrawal by local peers: 65438+ 0% of the transaction amount, with the lowest charge of 3 yuan; Cash withdrawal by local peers: 65438+ 0% of the transaction amount, with the lowest charge of 3 yuan;
④ 1. Off-site inter-bank cash withdrawal: 65438+ 0% of the transaction amount, with the lowest charge of 3 yuan; Cross-bank cash withdrawal in different places: 65438+ 0% of the transaction amount, with the lowest charge of 3 yuan;
2. Cash withdrawal from overseas UnionPay: 1% of the transaction amount, and the minimum fee is 15 yuan;
3. Overseas non-UnionPay cash withdrawal: 65438+ 0% of the transaction amount, with a minimum charge of $3 and a maximum charge of $30;
4. Overseas emergency cash withdrawal: 65438+ 0% of the transaction amount, with a minimum charge of $3;
5. Recover the overpayment from local peers: 65438+ 0% of the transaction amount, with a minimum charge of $3, a minimum charge of $3 and a maximum charge of $30;
6. Recover the overcharged money between local banks: 65438+ 0% of the transaction amount, with a minimum charge of $3, a minimum charge of $3 and a maximum charge of $30;
7. Overpayment from peers in different places: 65438+ 0% of the transaction amount, with a minimum handling fee of $3, a minimum handling fee of $3 and a maximum handling fee of $30;