Huaxia Bank and Xiami Music have jointly launched a joint credit card-Huaxia Bank Xiami Music Joint Credit Card, which will be given to Xiami Music VIP members for 12 months for new households, which is very suitable for users who like listening to music. Many users are very concerned about the amount and annual fee of Huaxia Bank's Xiami Music co-branded credit card. Below, Xiaobian will introduce it in detail.

Huaxia Bank's credit cards have established different credit ranges according to the credit card level, in which the general credit card quota is about 2-2, yuan, the gold card quota is 5-5, yuan, the titanium card quota is 2,-2, yuan, and the platinum card quota is 3,-5, yuan. Huaxia Xiami Music Co-branded Credit Card is UnionPay Gold Card, with a quota of 5, ~ 5,. Everyone has different qualifications and different quotas. When approving the card, the credit card application platform will make a comprehensive evaluation and score according to the information provided by the applicant and the applicant's credit, and then decide whether to issue the card and the credit line according to this score. The influencing factors include age, occupation, deposit, assets and housing. Moreover, the activity of the applicant's Xiami Music account will also have a certain impact on the credit line. If you often listen to music in Xiami Music and pay for the rights and interests of Xiami Music, it can indirectly show that this member has good economic ability, so it is easier to obtain a higher credit card.

It is understood that Huaxia Bank divides credit cards into four levels: general card, gold card, titanium card and platinum card. Among them, the annual fee of Puka is the main card in 1 yuan and the supplementary card in 5 yuan every year; Gold card main card 2 yuan every year, supplementary card 1 yuan every year; Titanium card main card 38 yuan every year, subsidiary card 19 yuan every year; Annual fee for Platinum Card The main card is 68 yuan every year, and the supplementary card is free of annual fee. This Huaxia Xiami Music co-branded credit card is positioned as a gold card, and its charging standard and annual fee-free policy are implemented according to the above-mentioned gold card standard, that is, the main card is 2 yuan every year, and the subsidiary card is 1 yuan every year. Huaxia Bank's general card and gold card can be exempted from the annual fee conditionally. The annual fee can be exempted in the first year of card application, and the annual fee can be reduced in the following year by swiping five cards every year. Moreover, it is not limited to the form of consumption, and whether there are points or not, so the condition of annual fee exemption is very easy to achieve, and basically it will not give users any annual fee pressure.

Therefore, the credit line of Huaxia Bank's Xiami Music co-branded credit card is granted mainly according to the credit status of users. If users are not satisfied with the credit line they have, it is recommended not to cancel the card easily, but to raise the credit line by raising the card. In addition, the annual fee of the gold card level is not high, and it can be reduced by the number of swipes, which is very cost-effective.