China Everbright Bank debit card local cross-bank ATM withdrawals charge a transaction fee of 2 yuan, and the first two transactions are free of charge every month. Inter-bank handling fee (2 yuan/transaction)+inter-bank transaction fee (0.5% of the transaction amount, with the lowest 5 yuan and the highest 25 yuan) is charged for inter-bank ATM withdrawals in different places.
I. China Everbright Bank
China Everbright Bank (China Everbright Bank) was established in August, 1992. It is a national joint-stock commercial bank approved by the People's Bank of the State Council and China. Headquartered in Beijing, it belongs to China Everbright Group, a ministerial-level central enterprise directly under the State Council. China Everbright Bank was listed on the Shanghai Stock Exchange in August 20 10 and on the Hong Kong Stock Exchange in February 20 13.
The Group has 6 wholly-owned enterprises, 2 holding enterprises, 7 shareholding enterprises and 65,438+0 joint ventures in China, including China Everbright Bank, Everbright Securities Co., Ltd., Everbright Life Insurance Company and China Everbright Investment Management Company. In Hong Kong, there are two listed companies, namely Everbright Holdings and Everbright International, 37 wholly-owned companies and 12 joint ventures and associates.
Second, China Everbright Bank withdrawal fee
① The debit card of China Everbright Bank is free to withdraw money through the same city counter of the bank;
② RMB is withdrawn from other places through the counter of our bank, and a handling fee of ×5‰ of the transaction amount is charged, with the highest 50 yuan.
(3) Foreign currency is withdrawn through the counter of the bank in different places, and converted into RMB transaction amount by the middle price of the day ×5‰, and the handling fee is charged, with the lowest 5 yuan and the highest.
④ Wealth customers and individual customers of quasi-private banks are exempt from handling fees.
China Everbright Bank charges for inter-bank withdrawals:
1, inter-bank in the same city: generally, the first two withdrawals of each month are free of handling fees, and the second withdrawal is charged by 2 yuan.
2. Inter-bank banking in different places: generally, the first two transactions are free of charge each month, and the second two transactions are handled by 2 yuan/transaction, plus 0.5% of the transaction amount.
How does Everbright Bank charge installment fees for credit card withdrawals? What's the handling fee rate?
Now credit cards are basically available. Sometimes when people need funds, they will withdraw cash from their credit cards. For example, many people will handle the cash withdrawal installment business, but there is a certain handling fee for cash withdrawal installment. Different banks may charge different fees. Then, how does Everbright Bank charge the installment fee for cash withdrawal from credit cards? What's the handling fee rate?
How does Everbright Bank charge installment fees for credit card withdrawals?
1. One-time charge;
2. Charge by installment and monthly.
What is the installment fee rate for credit card withdrawal of China Everbright Bank?
First, the one-time charging rate
If you choose to collect the handling fee at one time when handling the cash withdrawal installment, the handling fee rate for the third installment is 3%, the handling fee rate for the sixth installment is 5%, the handling fee rate for the ninth installment is 7%, and the handling fee rate for the 12 installment is 18 installment is the handling fee rate for the second installment.
If you choose to collect the handling fee by stages, the handling fee rate for the third phase is 1%, the handling fee rate for the sixth phase is 12, and the handling fee rate for the sixth phase is 18. That is, how to charge the handling fee for the credit card withdrawal installment of Everbright Bank? What's the handling fee rate? "The answer. There are two ways to collect the credit card installment withdrawal fee of China Everbright Bank, one is one-time collection, and the other is installment collection. According to different collection methods, their handling fee rates will be different, and the handling fee rates in different periods are also different.
How to calculate the handling fee and interest of credit card withdrawal of China Everbright Bank?
Hello, at present, all banks charge 0.05% daily interest, but in terms of handling fees, the fees charged by banks are different. There is no interest-free period, and interest will accrue from the date of withdrawal.
If the cardholder only pays the minimum repayment amount on the repayment date, interest will still be charged at 0.05% per day for the unpaid part; If the cardholder fails to pay the minimum repayment amount, the credit card withdrawal fee is the handling fee+0.5 ‰ daily interest+5% overdue fine for the unpaid part of the minimum repayment amount.
Regarding the handling fee for cash withdrawal, the charging standards of different banks are different, but most banks only stipulate the minimum handling fee for each cash withdrawal, and the highest bank stipulates that the minimum handling fee for each cash withdrawal is 30 yuan. Credit card withdrawal fee of China Everbright Bank: (1) Domestic withdrawal: UnionPay, VISA and MasterCard networks charge a withdrawal fee of 1% of the withdrawal amount, with a minimum charge of 3 yuan and a maximum charge of 200 yuan;
The minimum cash withdrawal is $3 and the maximum is $30. (2) Overseas cash withdrawal: UnionPay, VISA and MasterCard networks charge a cash withdrawal fee of 1% of the cash withdrawal amount. The minimum charge for UnionPay network is 15 yuan RMB, and the minimum charge for non-UnionPay network is $3 and the maximum charge is $30. (3) The overseas JCB network withdrawal fee is 65438+ 0.5% of the withdrawal amount, with a minimum of $3 and a maximum of $30 each.
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How to calculate the cash withdrawal fee of Everbright Credit Card?
The credit card withdrawal fee of China Everbright Bank is charged at the interest rate of 2.5% of your total transaction amount. For RMB cash transactions, the minimum handling fee for each transaction is 10 yuan.
: 1. Basic requirements for China Everbright Bank to apply for a credit card:
Applicants must be China citizens, foreign permanent residents or compatriots from Hong Kong, Macao and Taiwan who have reached the age of 18 to 65 (inclusive) and have full capacity for civil conduct, legal and stable income and good reputation. They can apply for a credit card or MasterCard with valid documents.
Two. Conditions for handling the credit card gold card of China Everbright Bank:
If you want to apply for the credit card gold card of China Everbright Bank, in addition to the above basic conditions, you also need to meet the following two conditions:
1. Your annual after-tax income should reach more than 654.38 million yuan, and you have your own fixed residence in the city where the branch of China Everbright Bank is located;
2. Hold a layman's credit card for at least one year, without any bad behavior, and the credit limit should be more than 5,000 yuan.
3. The online application conditions of Everbright Bank's credit card are as follows:
1. The principal card applicant must be a natural person aged 18 to 65 (inclusive), with full capacity for civil conduct and legal and stable income. The personal credit report of China People's Bank must meet the applicable conditions proposed by the issuing bank of China Everbright Bank;
2. Have a fixed residence in the branch of China Everbright Bank in the city;
The city where you apply for a credit card must be the city where you work or have a fixed address.
Four. Conditions for handling the Platinum Card of China Everbright Bank Credit Card
1. Everbright Bank requires any customer whose personal housing loan reaches more than 300,000 yuan, personal savings, wealth management and national debt business assets reach more than 200,000 yuan, and has opened an account for more than 3 months.
2. The standard vehicle shall be a non-operating passenger car with a displacement of more than 2.0 or a price of more than 654.38+0.8 million.
3. The applicant must hold the Everbright Bank Credit Card Gold Card (guarantee-free) 1 year or more, and the credit line reaches more than 30,000 yuan.
4. Holding a layman's credit card for more than one year, no bad behavior, and the credit line is more than 30,000 yuan.
5 as education, science, culture, health and other institutions at or above the division level leaders or associate professors. Civil servants at or above the regiment level.
Is the credit card procedure of China Everbright Bank 45 yuan interest?
Pay by installment with the credit card of China Everbright Bank, with no interest and only handling fee.
The withdrawal fee of China Everbright Bank is 2.5% of the withdrawal amount, and the daily interest is five ten thousandths of the withdrawal amount. The maximum cash withdrawal amount at domestic counters is 50% of the credit card amount+excess deposit in the credit card. However, the daily cumulative withdrawal amount of domestic ATMs is not higher than 1 10,000 yuan. The calculation method of the withdrawal fee of Everbright Credit Card is the withdrawal amount ×2.5%.
Suppose your cash withdrawal amount is 10000 yuan, then the handling fee is 10000×2.5%=250 yuan. The calculation method of interest is withdrawal amount ×0.05%× withdrawal days. For example, if you take 10000 yuan and pay it back after 20 days, your interest will be10000× 0.05 %× 20 =100 yuan.
Credit card withdrawal limit of China Everbright Bank:
The credit card withdrawal amount of China Everbright Bank is generally 50% of the credit limit, and the withdrawal fee and interest will occupy your withdrawal amount.
China Everbright Bank's credit card withdrawals from ATMs in China should not exceed 5,000 RMB per day, and each withdrawal should not exceed 2,000 RMB. The daily accumulative withdrawal amount from overseas shall not exceed the equivalent of $65,438+0,000 yuan, and the monthly accumulative withdrawal amount shall not exceed the equivalent of $5,000.
How to charge the foreign cash withdrawal fee of Everbright Bank's credit card?
How much is the handling fee for choosing Everbright Credit Card to withdraw cash when traveling abroad or on business trip, and what proportion is charged? This paper introduces the details of each handling fee for overseas cash withdrawal of Everbright Bank's credit cards, and conducts transactions through VISA, MasterCard, JCB and UnionPay respectively.
1. For the overseas transactions of China Everbright Bank's credit cards through VISA and MasterCard networks, the handling fee is charged at 1% of the transaction amount, with a minimum charge of $3 per transaction and a maximum charge of $30 per transaction;
2. Through JCB online transactions, the handling fee is charged according to the transaction amount, with a minimum charge of $3 per transaction and a maximum charge of $30 per transaction;
3. For overseas transactions through UnionPay network, the handling fee is charged at 1% of the transaction amount, with a minimum charge of 15 yuan RMB for each transaction.
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This is the end of the introduction of Everbright Bank's credit card withdrawal fee and Everbright Bank's withdrawal fee. I wonder if you have found the information you need?