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Industrial Bank was founded in 1988 with its head office in Fuzhou, Fujian Province. It is one of the first joint-stock banks in China and ranks among the top 300 banks in the world. Industrial Bank Credit Card Center was established in July 2004. It is an organization directly affiliated to the head office headquartered in Shanghai and is fully responsible for the operation and management of Industrial Bank’s credit card business. Card usage knowledge: No annual fee policy: 5 times of swiping the card with the Gold Card is exempt from the annual fee for the following year. Cash advance handling fee: RMB: 2% of the cash advance amount, with a minimum of RMB 20 per transaction (regardless of the same city or different place). Foreign currency: 2% of the cash advance amount, minimum USD 2 yuan/transaction (regardless of the same city or different place) Multi-account management: Limit *** Enjoy independent repayment on the billing day Independent installment business: Support installment business; interest-free installment for specific merchants (3, 6, 12 installments), bill installment business (not limited to products, not limited to merchants, 3, 6, 12, 18, 24 installments), single consumption installment (3, 6, 12, 18, 24 installments, if a single purchase exceeds 100 yuan, you can apply for it through credit card online banking, mobile banking and customer service phone). Billing date: Depending on the card type, the available billing dates are different. Cardholders can change the card type every six months: regular card (with a limit of less than 50,000 yuan), gold card (with a limit of more than 50,000 yuan).