Business Overview

Meihua Credit Card is publicly issued by our bank to the public. It gives cardholders a certain credit limit. Cardholders can "spend first and repay later" within the credit limit. "Payment" is a credit payment instrument settled in RMB. Meihua credit cards are divided into business cards and personal cards according to different card-issuing objects, and are divided into gold cards and ordinary cards according to different credit levels. Ordinary cards are divided into silver cards and ladies cards.

Application Conditions

(1) Personal Card

1. A natural person who is between 18 and 60 years old and has full capacity for civil conduct;

2. The workplace is located at the location of the card issuer and has a fixed residence;

3. Have a stable occupation and legal income, and the monthly income is above the local average level;

4. Able to provide (1-2) qualified contacts.

(2) Commercial Card

1. Have an account opening license issued by the People’s Bank of China;

2. The office address and basic bank deposit account are in the card issuing institution Location;

3. Have legal person status or be legally registered and registered with the relevant departments with the authorization of the legal person.

Product functions

1. Credit consumption

Meihua Credit Card can be used for consumption at any special merchant with the UnionPay logo across the country (including Hong Kong and Macau). You can also pay with your card at special merchants with the UnionPay logo in South Korea, Thailand, Singapore and other countries.

2. Deposit and withdraw cash

Meihua Credit Card can be used for over-the-counter deposits and withdrawals at any branch of our bank and bank branches that have opened counter-connection business with our bank. You can also make deposits and withdrawals at Cash can be withdrawn from ATMs with the UnionPay logo across the country (including Hong Kong and Macau) as well as in South Korea, Thailand, Singapore and other countries. The daily cash advance amount at an ATM machine shall not exceed RMB 2,000, and the number of withdrawals shall not exceed 3 times. The cash advance limit of Meihua Credit Card is 50% of your credit limit.

3. Transfer settlement

Transfer transactions between Meihua cards can be carried out through our bank's transfer POS or at any of our bank outlets.

Product Features

1. High credit limit: The credit limit of a commercial card (including supplementary cards) is up to 3% of the comprehensive credit limit granted to the applicant by the card-issuing bank. For entities with a comprehensive credit limit, the maximum credit limit is RMB 100,000, and the maximum single overdraft amount for the same cardholder shall not exceed RMB 50,000; for a personal card, the maximum credit limit for the same account is RMB 50,000, and the maximum credit limit for the same cardholder is RMB 50,000. The amount of a single overdraft incurred by a person shall not exceed RMB 20,000. The principal and supplementary cards of Meihua Credit Card*** enjoy the same credit limit.

2. Long interest-free repayment period: The longest interest-free repayment period of Meihua Credit Card is 56 days, and the shortest is 25 days.

3. Various repayment methods: The repayment of Meihua Credit Card can be made over the counter at any branch of our bank or a bank branch that has opened counter service with our bank, or you can choose automatic transfer. Repayment.

4. Adjust the temporary credit limit: When cardholders travel or need money urgently, they can apply to our bank to adjust the temporary credit limit. The temporary credit limit is generally valid for 30 days, after which the credit limit will be automatically restored.

5. Password consumption increases security: Cardholders can choose to consume with password to increase card use security.

Preferential Services

1. Plum Blossom Credit Card holders can enjoy free of charge our bank’s thoughtful services such as booking discounted rooms in star hotels across the country and purchasing air tickets to various places around the world.

2. Plum Blossom Credit Card holders can enjoy high-quality and preferential services at our bank’s preferential online merchants that integrate clothing, food, accommodation, transportation, entertainment, fitness, beauty, etc.

3. Cardholders can enjoy our bank’s “spend points and win big prizes” activities.

4. For units that meet the conditions for group card application, our bank provides telephone reservation and door-to-door card application services, with simple procedures and preferential card fees. We also provide basic card knowledge training for group card users.

5. The 24-hour customer service hotline is 025-83196400 to help cardholders solve their problems.

Fees collection

1. Annual fee

The Meihua Credit Card is valid for 3 years, and the card fee is charged annually. The personal card gold card is RMB 80 per year. , personal card gold card supplementary card is 60 yuan per year; personal card ordinary card is 60 yuan per card per year, personal card ordinary card supplementary card is 40 yuan per year; business card gold card is 150 yuan per card per year, business card The additional card for the gold card is RMB 100 per year; the ordinary business card is RMB 120 per year; the additional card for the ordinary business card is RMB 80 per year.

2. Over-limit fee

When the cardholder’s account overdraft exceeds the credit limit, all accounts payable will not enjoy the interest-free repayment period and will be debited from the bank. Interest will be charged based on the specified interest rate from the date of payment. At the same time, an over-limit fee will be charged at 5% of the over-limit amount, and the minimum charge is RMB 5 per transaction.

3. Late payment fee

The late payment fee is charged at 5% of the unpaid portion of the minimum repayment amount, with a minimum of RMB 1 yuan.

Billing Service

The billing date for Meihua Credit Card is the 20th of each month. After the cardholder receives the statement and checks it is correct, he must make the due repayment listed on the statement. Pay off all accounts before the date or return the minimum payment amount. The due date for repayment is the 25th day after the bill date. After making the minimum payment, you can recycle the credit limit. However, you will no longer enjoy the interest-free repayment period.