1. Annual fee
(1) personal card
Puka: Main Card 80 yuan/Auxiliary Card/Card 40 yuan. If there are less than three credit card transactions in the previous year, they will be charged on the first billing day of the next year, and the three transactions (consumption/cash withdrawal) will be free of annual fees.
Gold card and silver card: the main card is 65438 yuan +060 yuan/card, and the auxiliary card is 80 yuan/card. If there are less than three credit card transactions in the previous year, they will be charged on the first billing day of the next year, and the annual fee will be exempted for the three transactions (consumption/cash withdrawal).
Standard Platinum Card: Primary Card 580 yuan/Secondary Card/Card 300 yuan. If there are less than three credit card transactions in the previous year, they will be charged on the first billing day of the following year, and the 18 transaction (consumption/withdrawal) is free of annual fee.
Car card: main card 200 yuan/supplementary card 100 yuan/card, which will be charged on the first billing day after card opening, and thereafter every year.
Platinum Card (Elite Edition): the main card 1800 yuan/Card Subsidiary Card 1200 yuan/Card will be collected on the first billing day after card opening, and will be collected annually thereafter.
Platinum Card (Premium Edition): 3,600 yuan for the main card/2,800 yuan for the supplementary card/card, charged on the first billing day after card opening, and charged annually.
Diamond credit card: 5,800 yuan for the main card/3,800 yuan for the secondary card/card, which will be charged on the first billing day after the card is opened, and will be charged every year thereafter.
(2) unit card
Standard card: 200 yuan/card, charged on the first billing day after card opening, and charged annually.
Platinum business card: 3600 yuan/card, charged on the first billing day after card opening, and charged annually.
Diamond business card: 5800 yuan/card, charged on the first billing day after card opening, and charged annually.
2. Production cost
MyLove Credit Card: 50 yuan/Card, new card, expired replacement card, damaged replacement card and loss report replacement card will be charged.
IC card: 20 yuan/card, replacement card for damage, replacement card for loss reporting.
Yuetong Dragon Card: 30 yuan/Card, new card, charge for card replacement upon expiration.
3. Cash withdrawal fee
Domestic: 1% of the cash withdrawal amount, with the lowest 2 yuan and the highest 100 yuan;
Overseas: 3% of the cash withdrawal amount through VISA, MasterCard, JCB or other non-UnionPay networks, with a minimum of $3 (Euro3 for European tourist cards); Withdraw cash through the ATM with UnionPay acceptance logo, 12 yuan+1% of the cash withdrawal amount, of which the lowest part of 1% of the cash withdrawal amount is 2 yuan.
4. Over-limit fee: 5% of the over-limit amount, with a minimum of US$ 65,438 +0 or 5 yuan RMB (the currency is the same as the over-limit amount), which will be charged when the accumulated unpaid amount of the cardholder exceeds the approved credit rating, and will be exempted temporarily.
5. Late payment fee
Personal card: 5% of the unpaid minimum amount, with the minimum amount of US$ 65,438+0 (Euro65,438+0 for European tourist cards) or 5 yuan RMB, which will be charged when the cardholder fails to repay the minimum amount before the due repayment date (inclusive) and will be charged on the next bill;
Unit card: 0.5% of the total unpaid amount will be collected by the cardholder when the minimum repayment amount is not paid before the due repayment date (inclusive) and will be collected in the next bill.
6. Card replacement fee for damage: 20 yuan/card, which will be charged on the next billing day after card replacement, and will be exempted within 3 months after card opening.
7. Loss reporting fee: 50 yuan/card, which will be charged on the next billing day after loss reporting.
8. Make up the bill
Personal card: 5 yuan/copy of the statement, which will be collected on the next billing day after settlement, and will be free of charge within 12 months from the settlement date.
Unit card: 5 yuan/copy of the statement, 20 yuan/copy of the summary bill, which will be collected on the next billing day after the request, and the current bill is free.
9. The cost of reading the purchase order
Overseas: USD 5/copy (Euro5/copy for European tourist card)
Domestic: 10 yuan/copy. When the cardholder applies for reading the purchase slip service, it will be charged when the cardholder confirms the transaction after reading the purchase slip.
10. Card/single express handling fee: 20 yuan per letter.
1 1. Foreign exchange handling fee: 65438+ 0.5% of the transaction amount, calculated in the foreign currency account settlement currency, and charged when the transaction currency is different from the cardholder's foreign currency account settlement currency.
12. Overseas emergency service fee (reference standard). Cardholders who lose their cards abroad will be charged according to the charging standards of various credit card organizations.
China UnionPay: 80 USD is urgently withdrawn for each transaction.
VISA: each emergency withdrawal is USD 65,438+075, and each emergency replacement card is USD 65,438+075.
MasterCard: 95 USD/transaction for emergency withdrawal (Euro70/transaction for European Travel Card) and 48 USD/transaction for emergency replacement card (Euro70/transaction for European Travel Card10/transaction).
VISA card overseas emergency cash support fee VISA gold card, platinum card and diamond card are free.
VISA card overseas emergency replacement fee VISA gold card, platinum card and diamond card are free.
13. Domestic emergency cash assistance service fee: 50 yuan/transaction. After the cardholder loses his card in China, he applies to our bank for emergency cash withdrawal.
14. overseas inquiry fee of unionpay network: 4 yuan/pen, which is charged by cardholders when they make inquiries through unionpay network through overseas ATMs.
15. Small transaction SMS function fee: 3 yuan/month, which is charged once the function is activated and charged monthly.
16. Consumption installment fee: 3 installments: 0.70%; 6. 12, 18 and 24 installments: 0.60%, which will be collected on one billing day and every month after the successful application.
17. billing installment fee: 3 installments: 2.6%; 6 periods: 4.2%; 12: 7.2%; 18: 1 1%; 24 issues: 15%, which will be charged one billing day after the successful application, and the handling fee will be charged at one time.
18. store POS installment fee: subject to the contents announced by the merchants, charged according to the situation of each merchant, and the fee is charged at one time.
19. Special installment fee: subject to the contents announced by the merchants, charged according to the situation of each merchant, and the fee is charged at one time.
20. (Excellent card) Card swiping fee: in principle, it is charged at 100 yuan/card, and the unit can consider it comprehensively; The actual situation fluctuates, ranging from a minimum of 5,000 yuan to a maximum of150,000 yuan, which will be charged when the cooperative unit handles the discount card.
2 1. Inter-bank remittance fee: 65438+ 0% of the withdrawal amount (minimum 2 yuan, maximum 50 yuan), which will be charged when the cardholder requests the inter-bank refund of the overpaid business, and the fee will be directly deducted from the overpaid account.
22. Road rescue fee: It is subject to the service provider's charging standard, and it will be charged by the road rescue service provider if it exceeds the bank's free times.
It can be seen that there are many charging standards for CCB credit cards, and the charging standards for different types of credit cards are different, depending on what services the credit card holders choose. It is inaccurate to say that only the payment fee is charged. Even if there is a reflection, it is not only the withdrawal fee, but also the inter-bank transfer and remittance.