What is the annual fee for Bank of China's credit card?
The annual fee for Bank of China's credit card is charged as follows:
1. BOC/Great Wall Global Connect series products. Regular card: up to RMB 100 per card. Theme card: up to RMB 280 per card. Gold Card/Titanium Card: Up to RMB 300 per card.
2. Platinum Card: Up to RMB 800 per card.
3. High-end cards: up to RMB 8,800 per card.
4. Business card/unit card: up to RMB 360 per card. Annual fees for credit cards such as wages, pensions, subsistence allowances, medical insurance, unemployment insurance, housing provident fund, etc. are waived.
Under normal circumstances, the card will charge an annual fee according to the annual fee year. The annual fee year refers to the first billing date after the card is activated to the billing date in the same month of the following year. Depending on the card type, the annual fee amount and annual fee reduction policy are also different. If your credit card is not activated, no fees will be charged.
Extended information:
Explanation of credit card interest calculation method
1. Calculation method of consumption overdraft interest
For credit card overdraft consumption transactions, generally Provide an interest-free repayment period of 20-50 days. If you repay in full before the interest-free repayment period, no overdraft interest will be charged; if you do not repay in full before the interest-free repayment period, no overdraft interest will be charged. Enjoy the interest-free repayment period, and the overdraft interest will be calculated based on the actual amount owed and the actual number of days in arrears from the transaction recording date. The overdraft interest rate is 0.05% of the daily interest rate, and compound interest is calculated monthly.
2. Interest-free repayment period
Bank of China provides a minimum repayment grace period of 3 days. If you fail to repay in time due to business trip or other reasons, after the due payment date If you repay within 3 days, no interest will be charged.
3. Repayment tolerance (tolerance repayment)
Bank of China provides a repayment tolerance of 1. If you forget to repay the amount and have a small change outstanding, , and no interest will be charged. For example: If you owe 10,100 yuan and only repay 10,000 yuan, leaving 100 yuan unpaid, there will be no overdraft interest in the next bill.
Reference materials: Bank of China official website - Bank of China credit card service fee price list
Does Bank of China credit card have an annual fee?
The type of card you applied for varies. The fees are also slightly different. For details, you can check the official website of Bank of China () - Convenient Services - Service Prices.
The above content is for your reference, please refer to actual business regulations.
If you have any questions, please feel free to consult Bank of China’s online customer service.
You are sincerely invited to download and use Bank of China Mobile Banking APP or Bank of China Cross-border GOAPP to handle related businesses.
How much is the annual fee for Bank of China's credit card?
The annual fee for Bank of China's credit card is charged based on the credit card level. Generally, new cards are free of annual fees in the first year, and users can swipe the card after reaching a certain level. No annual fee is required.
The specific charges are as follows:
1. Credit card (excluding Great Wall International Card)
a. Personal card
The maximum charge for ordinary cards is RMB 100 per card
p>Gold/Titanium Card up to RMB 360/card
Platinum card RMB 800/card
High-end card RMB 3,600/card
Top card: RMB 8,800/card
Theme card: up to RMB 280/card
b. Business card/organization card: up to RMB 360/card
2. Credit card (Great Wall International Card)
a. Personal card
The maximum per card for ordinary cards is HKD 100/USD 12/EUR 12/GBP 8
Gold Card/Titanium Card, the maximum per card is HKD 200/USD 22/EUR 22/GBP 15/AU$ 25
Platinum Card, the maximum per card is US$100
b. Company Card
The maximum charge for a regular card is HK$200/US$26 per card
The maximum charge for a gold card is HK$300/US$40 per card
3. Platinum credit card products Annual fee description
The annual fee standards for Bank of China Platinum Credit Card are divided into two levels: 3,600 yuan and 800 yuan. You can also call the Bank of China Customer Service Center for consultation on the annual fee charging standards for specific products. It will be charged annually starting from the first year the card is activated. If the cardholder cancels the card midway, the annual fee for that year will not be refunded.
Bank of China credit card annual fee exemption policy
1. All general credit cards issued by Bank of China are exempt from annual fees in the first year. If you swipe the card five times, you will be exempted from annual fees in the following year.
2. The gold credit card issued by Bank of China is also free of annual fees in the first year. If you swipe the card five times, the annual fees of the next year will be waived.
3. The platinum credit card issued by Bank of China does not have an annual fee exemption policy for the first year. The Great Wall Global Connect Hong Kong, Macao and Taiwan Travel Card, Centennial Commemorative Edition Great Wall Platinum Credit Card, and Great Wall Global Connect Platinum Credit Card all have 100,000 points that can be used to offset the annual fee in the following year, which means that the card must be used to spend at least 100,000 yuan a year.
Extended information:
When using a credit card, you should pay attention to the following points:
1. Credit card borrower: If you lend your credit card to someone else, once the other person If you don't pay back the money, you will lose your assets, including your credit. After all, if he doesn't pay back the money, you have to pay it back. If you don't pay back the money, it's overdue.
2. Feel free to tell others the last three digits: When you receive a credit card, you must be able to see what the bank reminds you. Do not tell others the information on the back of the credit card easily. Because when verifying credit card information, you will need the last three digits, which represent the security of your credit card.
3. Credit card installments at will: Credit cards have interest-free periods. Some people think that as long as they can repay the loan during the interest-free period, then the bank will not be able to collect the procedures from them! But in fact, the reason why banks promote credit cards is so that people can choose to repay in installments when they are in urgent need of money or max out their cards, so as to earn a certain amount of interest, or charge a penalty if someone has a bad memory and fails to repay in time. .
4. Overdue repayment: As long as there is overdue repayment, it will definitely leave a bad record on your credit report. Too many overdue records will cause problems with your future loans. Silver has a certain flexibility for overdue repayments, such as 1-3 days. Because each bank has different regulations, it is best to call customer service first when this happens.
5. Keep increasing the limit: The higher the credit card limit, the better. The higher the limit, the easier it is to spend, which will lead to a lot of debt. Therefore, it is best for us to control credit card consumption to two-thirds of our monthly income. Of course, if you really need a credit card with a high limit, you can also keep a card aside for emergencies.
Baidu Encyclopedia-Credit Card Annual Fee Rules
How to charge the annual fee for Bank of China credit card, is there any annual fee exemption
The annual fee charging standard for Bank of China credit card:
(1) BOC/Great Wall Global Pass Series Products: -Personal Card: Regular Card: Up to RMB 100/card; Theme Card: Up to RMB 280/card; Gold Card/Titanium Card: Up to RMB 360 yuan/card;
(2) Platinum card: up to RMB 800/card;
(3) High-end card: up to RMB 3,600/card;
(4) Business card/organization card: up to RMB 360 per card;
Can be purchased through the official website of Bank of China ()--Bank Card--Service Guide--Card Application Guide-- Bank of China credit card service fee price list, please inquire.
During the year in which the credit card is used, if the accumulated card consumption of this account in the current year meets the following conditions, the annual fee for the current year can be reduced or exempted, except for special cards:
1. Personal Gold Card is exempt from the first year. The annual fee will be waived for the following year if you make 5 transactions; the annual fee reduction policy for supplementary cards is the same as for the main card;
2. New Platinum Card customers from 2017 to 2018 will be exempted from the first-year annual fee. Old customers and new customers will be exempted from annual fees. In the following year, the annual fee needs to be waived for 12 transactions of 20,000 yuan or more, or 100,000 transaction points can be used to redeem the annual fee; the annual fee reduction policy for supplementary cards is the same as for the main card.
3. All-currency international chip series gold, regular and platinum credit cards: annual fee is waived when applying for a card before December 31, 2018.
The above content is for your reference, please refer to actual business regulations.
If you have any questions, please feel free to consult Bank of China’s online customer service.
You are sincerely invited to download and use Bank of China Mobile Banking APP or Bank of China Cross-border GOAPP to handle related businesses.
This ends the introduction on how to calculate the annual fee for Bank of China's credit card and how much the annual fee for Bank of China's credit card is. Did you find the information you need?