The input time of the consumption amount will be related to the interest-free period of the credit card. If you swipe your card on the billing day and include it in the bill of the current month, you can only enjoy the shortest interest-free period, which is not cost-effective for users. And swipe your card on the billing date and include it in next month's bill, so you can enjoy a longer interest-free period and increase the liquidity of users' own funds.
If the user has a fixed capital expenditure, he can also choose to adjust the billing date of the credit card. After the billing date is adjusted, the repayment date will be adjusted accordingly. At this time, as long as the user swipes the card on the day of the previous billing date, the amount of swiped card can be guaranteed to be included in the next month's bill, and the user can naturally repay the loan in the next month without worrying about the repayment in the current month.
Industrial Bank was established in 1988 and its head office is located 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 a directly affiliated institution of the head office headquartered in Shanghai, and is fully responsible for the operation and management of the credit card business of Industrial Bank. [ 1]
First, the card knowledge
Annual fee-free policy: Puka Gold Card swipes the card five times to avoid the annual fee for the following year.
Handling fee for cash advance: RMB: 2% of cash advance, with a minimum of 20 yuan/transaction (regardless of different places in the same city). Foreign currency: 2% of cash advance, with a minimum of 2 yuan dollars/transaction (regardless of the same city and different places).
Multi-account management: quota sharing, independent repayment on a single billing day, and independent repayment.
Staging business: supports staging business; Interest-free installment for specific merchants (3, 6, 12), bill installment business (goods, merchants 3, 6, 12, 18, 24), and single consumption installment (3, 6, 12, 65438).
Billing date: according to different card types and billing dates, cardholders can change once every six months.
Types of cards: ordinary cards (within 50,000 yuan) and gold cards (above 50,000 yuan).
Second, the basic characteristics
1, optional password for swiping the card.
You can choose whether to spend by signing or adding password protection. Industrial credit card fully takes care of your convenience and security needs.
2. Zero risk of loss reporting.
If the card is lost, you can call the 24-hour customer service hotline 9556 1 or complete the loss reporting procedure through the interactive SMS service, and the loss reporting will take effect immediately, without worrying about all the risks afterwards.
3. A card and two coins
Specially provide RMB and USD for distinguished cardholders, which can be used for signing accounts in more than 200 countries and regions around the world. Consumption abroad can be repaid in RMB, which is popular all over the world.
4. Various repayment methods
We provide you with up to seven repayment methods, such as cash repayment, ATM transfer repayment, automatic transfer repayment, online banking repayment and telephone banking repayment, so that you can easily repay anytime and anywhere, which is very worry-free.