Transportation and Minsheng credit cards can be maxed out for the first time. If you use it normally, the card will not be blocked, but you must pay attention to repaying it on time.

Bank of Communications

Credit card annual fee exemption policy: Swipe the Gold Card 6 times to waive the annual fee for the following year

Cash withdrawal handling fee:

For domestic cash withdrawals, 1% of the transaction amount will be charged, with a minimum of RMB 10 per transaction;

For overseas cash withdrawals through the UnionPay network, each transaction will be charged RMB 12, plus 1% of the transaction amount, with a minimum of RMB 15 for each transaction ;

For overseas cash withdrawals through the VISA/MasterCard network, 1% of the transaction amount will be charged, with a minimum of US$5. Maximum interest-free period: 56 days

Multiple account management: Limit ***enjoy independent repayment on the billing day

Online payment: All must be opened at the bank counter first. The single transaction and single day limit for the mobile registration version is 5,000 yuan, whichever is lower, or the limit of the credit card itself; the single transaction and single day limit for the certificate registration version is 10,000 yuan, whichever is lower, or the limit of the credit card itself

Instalment business : After spending more than 500 yuan, you can apply for free installments (6, 9, 12, 18, 24 installments) by phone. Each installment will incur different handling fees depending on the number of installments

Billing date: monthly bill The date is generated with the system and is fixed for each cardholder and cannot be changed

Card categories: regular card (limit 0-5,000 yuan), gold card (limit 0-5,000 yuan) Yuan)

Currency: RMB, RMB/USD

China Minsheng Bank

Annual fee exemption policy: 8 swipes of the Standard Gold Card will waive the annual fee. Fees (Pacific Co-branded Card is swiped once within 3 months to waive the first-year annual fee)

Cash withdrawal handling fee: RMB: free for our bank, 1 cash advance amount from other banks, minimum RMB 1 yuan, foreign currency: 3 advance Borrow cash, minimum $3; Maximum interest-free period: 51 days

Multi-account management: Daily average daily limit bill repayment***

Online payment: Non-contracting customer orders The transaction limit is 1,000 yuan, and the single-day limit is 5,000 yuan; after going to the bank to become a contract customer, the single-transaction and single-day limits are the maximum limit of the credit card

Instalment business: interest-free installments at specific merchants are supported ( Issue 3, Issue 6, Issue 12). Free installment only supports women’s flower cards

Billing dates: 1, 3, 6, 9, 13, 16, 21, 26, and 28 of each month are the billing days, and can be changed once every calendar year

Card categories: regular card (limit 0-10,000 yuan), gold card (limit 10,000-50,000 yuan), platinum card (limit 50,000-300,000), diamond card (limit 300,000-300,000 yuan) Thousands)

Currency: RMB, RMB/USD