If the Shenzhen Rural Commercial Bank credit card never charges an annual fee, is it worth it?
It depends on how often you use it. If you use it frequently, it is worth it.
Shenzhen Rural Commercial Bank’s credit cards are exempt from annual fees in the first year of opening the card. Regular and gold cards are exempt from annual fees in the following year. Platinum cards, diamond cards and other card types are subject to bank activity announcements. allow.
Shenzhen Rural Commercial Bank’s cash back credit card is divided into PLUS version and gold card version. The PLUS version of the cashback card is a platinum card, with a maximum limit of 300,000 yuan; the gold card version of the cashback card is a gold card, with a maximum limit of 200,000 yuan. The specific amount is subject to the final approval result.
What are the repayment methods of Shenzhen Rural Commercial Bank’s credit cards
Shenzhen Rural Commercial Bank provides cardholders with a variety of repayment methods, and cardholders can easily find the repayment method that suits them. In order to achieve convenient repayment, Shenzhen Rural Commercial Bank will restore the credit card limit in real time after receiving the payment. Next, Kabaobao will introduce the credit card repayment methods of Shenzhen Rural Commercial Bank.
Shenzhen Rural Commercial Bank’s credit card repayment methods
1. Mobile banking repayment
You can log in to Shenzhen Rural Commercial Bank’s mobile banking and click on the page A fruit icon "credit card" for repayment.
2. Credit card APP repayment
You can log in to the Shenzhen Rural Commercial Bank Credit Card APP and click "I want to repay" on the page to make repayment.
3. Shenzhen Rural Commercial Bank self-service equipment
You can use any Shenzhen Rural Commercial Bank self-service terminal (including self-service teller machine (ATM), deposit and withdrawal machine (CRS) ), etc.) by depositing cash or transferring funds using a debit card.
When using a Shenzhen Rural Commercial Bank debit card to repay through a self-service terminal, please select the "Credit Card Repayment" transaction on the main page and follow the prompts to make a cash deposit or transfer.
When using a debit card from another bank to repay through a self-service terminal, please select the "UnionPay Transfer" transaction and follow the prompts to make a cash deposit or transfer.
4. Repayment at outlets
You can go to any Shenzhen Rural Commercial Bank outlet to repay directly by cash deposit or transfer from Shenzhen Rural Commercial Bank debit card.
5. Online banking repayment
You can make repayment through "intra-bank transfer" after logging into "Personal Online Banking" through the official website of Shenzhen Rural Commercial Bank.
If you are a customer who has not opened personal online banking, you can go to the official website of Shenzhen Rural Commercial Bank, select the "Credit Card" tab, log in to "Credit Card Online Banking", and repay through the "Repay Now" function . The repayment account must be the bank's debit card with the same customer number bound to your credit card or a passbook.
6. Other banks’ branches, online banking and self-service terminals
You can use other banks’ debit cards to make cash or transfer repayments at other banks’ branches, online banking and self-service terminals. .
The arrival time of different transaction channels is different. It usually takes 1-3 working days to arrive (extension on holidays). It is recommended that you handle it 3 working days in advance. Different cities and banks accept this business and Charging standards vary, please contact each accepting bank for details.
How to check the progress of Rural Commercial Bank’s credit card
There are three ways
1. Call Rural Commercial Bank’s 24-hour credit card customer service center and go to the manual service You can check the current status of your Rural Commercial Bank credit card application. The customer service numbers of Rural Commercial Banks in different places are different. Provide you with customer service phone numbers in Beijing, Shanghai, Guangzhou and Shenzhen.
Guangzhou Rural Commercial Bank: 961111
Shenzhen Rural Commercial Bank: 961200
Beijing Rural Commercial Bank: 96198
Shanghai Rural Commercial Bank ：021-962999
2. For online inquiry, just log in to the credit card center of Rural Commercial Bank, find Rural Commercial Bank Credit Card Progress Inquiry and enter your personal ID number to check the current progress
3.: Follow the bank’s WeChat public account through WeChat, and apply for a card based on the options for enquiries. Generally, the bank's review time is 15 working days.
Extended answer
Rural Commercial Bank, referred to as Rural Commercial Bank, is a bank owned by farmers, rural industrial and commercial households, corporate legal persons and other economic organizations within its jurisdiction. A joint-stock local financial institution.
All rural cooperative banks must be restructured into rural commercial banks