Credit card is different from debit card, which is mainly used by customers for overdraft consumption. Cardholders should keep as little money as possible in their credit cards, and never treat credit cards as passbooks.
Passbooks are used to save money. The passbook can be used as a debit card, and you can withdraw money from the ATM with this card! Of course, there is a transaction record for withdrawing money.
Credit Card (English: credit card) is a non-cash payment method and a simple credit service. Credit cards are generally plastic cards, with a length of 85.60 mm, a width of 53.98 mm and a thickness of 1mm (dimensions are defined by ISO 78 10 and 78 16 series documents), which are issued to cardholders by banks or credit card companies according to users' credit and financial resources. Cardholders do not need to pay cash when using credit cards, and make repayment on the settlement date. Except for some credit cards combined with financial cards, credit cards are different from debit cards and ATM cards, and credit cards will not directly deduct money from users' accounts. On February 28th, 2006, the NPC Standing Committee explained the issues related to credit cards. The "credit card" as stipulated in the Criminal Law refers to an electronic payment card issued by commercial banks or other financial institutions with all or part of functions such as consumer payment, credit loan, transfer settlement and cash deposit and withdrawal. Therefore, the credit card in criminal law refers to what we usually call a bank card.
Credit card related expenses
Annual fee or monthly fee (after receiving a new card, even if there is no card opening consumption, even if the old card is in liquidation, the annual fee will start to accumulate)
Revolving credit interest (taking Taiwan Province Province as an example, the statutory annual interest rate is 20%).
Cash advance fee
Liquidated damages for delayed delivery
Credit card handling fee (usually paid by credit card special stores: a few stores will ask consumers to pay this fee separately)
[Edit this paragraph] 14 All credit card data of domestic banks are recorded.
Industrial and Commercial Bank of China
Annual fee-free policy: the main card and the auxiliary card are swiped for 5 times or the annual fee of 5,000 yuan is exempted (the annual fee will be charged if the card is held for one year, and the annual fee will be automatically exempted within one year).
Cash withdrawal fee: local banks are free to withdraw cash. Cash withdrawal in different places is charged at 1% of the amount, with the minimum of 1 RMB or 1 HKD or 1 USD or 1 Euro. The maximum 50 yuan RMB or HK$ 50, US$ 65,438+00 and Euro 65,438+00 (including domestic and overseas).
Maximum interest-free period: 56 days
Multi-account management: most cards have independent credit lines and independent repayment.
Domestic online payment: it needs to be opened at the bank counter first. U shield customers' single and single-day limit is the maximum credit card limit; The cumulative total limit of static password customers registered at the counter is 300 yuan or the credit card itself, which is low; Which is lower, the single limit of e-bank password card customers 1000 yuan or the credit card itself, or the single-day limit of 5,000 yuan or the credit card itself?
The overseas online payment of international cards is controlled by a separate switch (AE cards do not have this switch), which does not depend on ICBC's online banking.
Installment business: support interest-free installment for non-specific merchants (3, 6, 12). You can apply for free installment (3, 6, 9, 12, 18, 24) by telephone if you spend RMB in 600 yuan HKD 600 yuan, and different fees will be charged for each installment according to the number of installments.
Bookkeeping date: the day at the end of each month is the bookkeeping date and cannot be changed.
Card types: Puka, Gold Card and Platinum Card (the quota is generally more than 50,000 yuan), but the quota scope of Puka and Gold Card is not clearly defined.
Currency: RMB, RMB/USD, RMB/Euro, RMB /HKD.
Special note: the card has attribution and cannot be changed at present. You can only cancel your card and reapply.
China construction bank
Annual fee-free policy: Puka Gold Card swipes the card three times to avoid the annual fee of the following year (excluding special cards such as business cards and car cards).
Withdrawal fee: domestic: 5‰ of the transaction amount, with the lowest 2 yuan and the highest 50 yuan; Overseas: 3% of the transaction amount, with a minimum of $3.
Maximum interest-free period: 50 days
Multi-account management: quota sharing, independent repayment on a single billing day, and independent repayment.
Online payment: Alipay: it can be used after online registration, with a single payment and a one-day limit of 500 yuan.
Installment business: support interest-free installment for specific merchants (3, 6, 12). If the consumption exceeds 1000 yuan, you can apply for installment (3, 6, 12) by phone, and each installment will generate different handling fees according to the number of installments.
Bookkeeping date: July 7th 10, 12, 15, 17, 22nd, 25th and 27th of each month is the bookkeeping date, and the cardholder can change it once within the validity period of the card.
Card types: Puka (with a quota of RMB 0-20,000) and Gold Card (with a quota of RMB 654.38+RMB 0-50,000).
Currency: RMB, RMB/USD
Bank of China
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 withdrawal: 65,438+0% of the transaction amount of the Bank in China, the lowest for ATM withdrawal is 8 yuan, and the lowest for counter withdrawal is 65,438+00 yuan. Other banks only withdraw 65,438+0% of the transaction amount by ATM, and the lowest is 65,438+02 yuan. 1% of the overseas unionpay transaction amount, with a minimum of 15 yuan RMB.
Maximum interest-free period: 50 days
Multi-account management: quota sharing (BOC series and Great Wall series are independent), and independent repayment on the billing date.
Online payment: Not supported for the time being (dual-currency cards can be paid through foreign card channels on some websites).
Installment business: support interest-free installment for specific merchants (3, 6, 12). Single arbitrary installment and bill installment are not supported.
Billing date: the monthly billing date is generated by the system, and the billing date of each cardholder is fixed and cannot be changed.
Card types: Puka (with a quota of 20,000-30,000), Gold Card (with a quota of1-50,000) and Platinum Card (with a quota of more than 50,000).
Currency: RMB, RMB/USD, RMB/JPY, GBP, EUR, HKD.
Agricultural Bank of China
Annual fee-free policy: Puka Gold Card swipes the card five times to avoid the annual fee for the following year.
Cash withdrawal fee: the bank advances cash in China, accounting for 1% of the transaction amount, with a minimum of 1 yuan. Cash advanced by other domestic banks, 65,438+0% of the transaction amount+2 yuan/transaction, with the lowest 3 yuan. Overseas cash advance, 3% of the transaction amount, with a minimum of $3 (or equivalent foreign currency).
Maximum interest-free period: 56 days
Multi-account management: quota sharing, independent repayment on a single billing day, and independent repayment.
Online payment: Not supported for the time being (dual-currency cards can be paid through foreign card channels on some websites).
Staging business: There is no staging business at present.
Bookkeeping date: 10 of each month is the bookkeeping date and cannot be changed.
Card types: Puka (with a quota of RMB 0-20,000) and Gold Card (with a quota of RMB 654.38+RMB 0-50,000).
Currency: RMB, RMB/USD
Bank of Communications
Annual fee-free policy: Puka Gold Card swipes the card 6 times to avoid the annual fee for the following year.
Cash withdrawal fee: 65,438+0% of the transaction amount is charged for domestic cash withdrawal, with a minimum of RMB 65,438+00 per transaction; For overseas cash withdrawal through UnionPay network, each transaction is 12 yuan, plus 1% of the transaction amount, with a minimum of 15 yuan; For overseas cash withdrawal through VISA/MasterCard network, the transaction amount of 1% is charged, with a minimum of $5.
Maximum interest-free period: 56 days
Multi-account management: quota sharing, independent repayment on a single billing day, and independent repayment.
Online payment: you need to open the bank counter first. The mobile phone registration version has a single and single-day limit of 5,000 yuan, which is lower than the credit card itself; Which is lower, the single and single-day limit of the certificate registration version 10000 yuan or the credit card itself?
Installment business: You can apply for free installment (6 installments, 9 installments, 12 installments, 18 installments, 24 installments) by phone when you spend more than 1500 yuan, and each installment will generate different handling fees according to the number of installments.
Billing date: the monthly billing date is generated by the system, and the billing date of each cardholder is fixed and cannot be changed.
Types of cards: ordinary cards (0-50 thousand yuan) and gold cards (0-50 thousand yuan)
Currency: RMB, RMB/USD
China Merchants Bank
Annual fee-free policy: Puka Gold Card swipes the card for 6 times to avoid the annual fee of the following year (VISA-MINI card, Platinum card and NBA credit card do not enjoy this annual fee-free method, and business credit card should be implemented according to the agreement).
Cash withdrawal fee: 1% of the cash advance transaction amount. The minimum fee is RMB 10 yuan (06,5438+0, since 2009) and 3 yuan/pen (3 yuan/pen is an old record, and it is unknown whether the new situation has changed).
(Take the current charges, regardless of the same city and different places)
Maximum interest-free period: 50 days
Multi-account management: the repayment of limit bills is shared daily.
Online payment: Alipay: the single limit is 499.99 yuan, and the maximum credit card limit is one day (other websites depend on the limit of each merchant).
Installment business: (exceeding the credit line) supports interest-free installment for specific merchants (3, 6, 12). Support bill installment payment. The minimum amount of bill installment is 65,438+0,000 yuan, which does not exceed 80% of the credit line. You can apply by phone within two working days from the day after the bill date to the final repayment date.
Accounting date: 5th, 10, 15, 20th and 25th of each month are accounting dates, and cardholders can change them every six months.
Types of cards: ordinary cards (with a quota of 0- 1 0,000 yuan), gold cards (with a quota of 1 0,000-50,000 yuan) and platinum cards (with a quota of more than 50,000 yuan).
Currency: RMB, RMB/USD
China Minsheng Banking Corporation
Annual fee-free policy: Puka Gold Card swipes the card 8 times to avoid the annual fee of the following year (Pacific Co-branded Card swipes the card once in March to avoid the annual fee of the first year).
Cash withdrawal fee: RMB: free of charge, 1% cash borrowed from other banks, minimum 1 yuan, foreign currency: 3% cash borrowed, minimum $3.
Maximum interest-free period: 50 days
Multi-account management: the repayment of limit bills is shared daily.
Online payment: the single limit of non-contracted customers is 1000 yuan, and the single-day limit is 5,000 yuan; After going to the bank to become a contracted customer, the single and single-day limit is the maximum credit card limit.
Installment business: support interest-free installment for specific merchants (3, 6, 12). Free installment currently only supports female flower cards.
Billing date: 1, 3, 6, 9, 13, 16, 2 1, 26, 28 are monthly billing dates, which can be changed once every natural year.
Card types: Puka (0- 1 10,000 yuan), Gold Card (1 10,000-50,000 yuan), Platinum Card (1 10,000-300,000 yuan) and Diamond Card (300,000-3,000,000 yuan).
Currency: RMB, RMB/USD
China Citic Bank
Annual fee-free policy: Puka Gold Card will be exempted from the annual fee of the following year for five swipes (swiping the card within 1 month after the card is approved 1 time will be exempted from the annual fee of the first year).
Cash withdrawal handling fee: a handling fee of 3% of the cash withdrawal amount is charged for cash withdrawal, with a minimum of RMB 30 yuan/USD 3 yuan /HKD 30 yuan.
Maximum interest-free period: 50 days
Multi-account management: quota sharing, independent repayment on a single billing day, and independent repayment.
Online payment: you need to apply for a CITIC debit card and sign a contract at the bank counter to open an enhanced online banking (the single limit is 500 yuan, and the maximum daily limit for credit cards).
Installment business: support interest-free installment for specific merchants (3, 6, 12). Any single installment and bill installment can only be handled by specially invited customers. If the bill amount reaches 1200 yuan or above, you can apply for bill installment by telephone from the billing date to three working days before the due repayment date. If the single amount reaches more than 600 yuan, you can apply for a single installment by telephone two days after the credit card transaction (after the transaction is recorded) and three working days before the current bill date.
Billing date: the monthly billing date is generated by the system, and the billing date of each cardholder is fixed and cannot be changed.
Card types: ordinary card (with a quota of 0-8,000 yuan), gold card (with a quota of 80,000-50,000 yuan) and platinum card (with a quota of more than 20,000 yuan).
Currency: RMB, RMB/USD, RMB/Euro, RMB /HKD.
industrial bank
Free annual fee policy: free annual fee in the first year, free annual fee in the second year by swiping your card or borrowing cash five times in the first year, and so on.
Cash withdrawal fee: 2% of the amount, with a minimum of 20 yuan/transaction or 2 yuan dollar/transaction (regardless of the same city and different places).
Withdrawal limit: 50% for gold card and 30% for ordinary card.
Maximum interest-free period: 20-50 days.
Multi-account management: quota sharing, independent repayment on a single billing day, and independent repayment.
Online payment: Not supported for the time being (dual-currency cards can be paid through foreign card channels on some websites).
Installment business: support interest-free installment for specific merchants (3, 6, 12). Single arbitrary installment and bill installment are not supported.
Billing days: 2nd, 4th, 8th, 1 1, 13, 15, 18, 2 1 and 23rd of each month are billing days, and cardholders can change every six months.
Card types: ordinary card (quota 1500- 15000 yuan), gold card (quota 7000-50000 yuan) and platinum card (quota above 50000 yuan).
Currency: RMB, RMB/USD
Guangdong Development Bank
Annual fee-free policy: Puka Gold Card swipes the card 6 times to avoid the annual fee for the following year.
Cash withdrawal fee: 2.5% of the cash withdrawal amount, minimum 10 yuan.
Maximum interest-free period: 50 days (56 days for standard card)
Multi-account management: quota sharing, unified repayment on billing date, independent
Online payment: the maximum retail overdraft of gold card cross deposit is 654.38+ 10,000 yuan, and the maximum retail overdraft of Puka cross deposit is 70,000 yuan, depending on personal credit limit. The single maximum amount is 500 yuan, and the single minimum amount is 0.99 yuan, and the number of times is not limited.
Staging business: You can apply for "Yangyanghang" staging (3, 6, 12) by phone for a single consumption in 500 yuan or above, and different handling fees will be generated according to the number of staging.
Bookkeeping date: it is fixed for each cardholder, and it is the cardholder's birthday and cannot be changed.
Types of cards: ordinary cards (with a quota of 0- 1 0,000 yuan), gold cards (with a quota of 1 0,000-50,000 yuan) and platinum cards (with a quota of more than 50,000 yuan).
Currency: RMB, RMB/USD and HKD.
Special note: This card belongs to it and cannot be changed at present.
If you don't intend to continue using credit cards, you must do so. If the account is not closed, the bank will charge an annual fee for the credit card.
If the card is not overdrawn, you can apply for account cancellation at any time.
If your card has not expired, you need to apply first, and then go to the bank to cancel your account after a certain period of time;
If the card has expired and the account balance is zero, you can directly cancel the account at the designated bank outlet.
When closing the account, you should bring your valid ID card and the original card. If it's not convenient for me to close the account, someone else can help you. The agent must hold the power of attorney written by the principal (himself) and bring the original valid identity certificate to handle the account cancellation business.
If your card has not expired when you cancel your credit card account, some banks stipulate that you need to go to the designated outlets to receive the card, and then go through the formal account cancellation procedures after a certain period of time (up to 30 days). This is mainly because if the cardholder has done a manual card pressing transaction before closing the account, the cardholder will have closed the account before the merchant submits the card pressing form to the bank for entry, and the bank will not be able to liquidate normally; On the other hand, if the cardholder is in consumption abroad or withdraws cash, it may take several days to settle the account. If the account is closed immediately, it will also affect the normal liquidation of the bank.
Credit card related date
Trading day-the date when the cardholder actually uses the card to trade.
Billing date-also called billing date-refers to the date when the issuing bank debits the transaction amount to its credit card account or the date when the issuing bank debits the related expenses to its credit card account according to relevant agreements.
Billing date-Billing date refers to the date when the issuing bank regularly summarizes the transactions and expenses of the cardholder's credit card account every month, calculates the interest and calculates the amount payable by the cardholder in the current period.
Repayment date-the date when the cardholder actually repays the credit card account to the bank.
Interest-free repayment period-for non-cash transactions, the interest-free repayment period is from the bank bookkeeping date to the due repayment date. The shortest interest-free repayment period is 20 days and the longest is 50 days. During this period, as long as you pay off the current payable amount on the current statement, you don't have to pay any interest on non-cash transactions (you don't enjoy interest-free discount if you borrow cash in advance).
Due repayment date-the latest date stipulated by the issuing bank that the cardholder should repay the full repayment or the minimum repayment amount.
For example, the monthly billing cycle of a credit card is from * 28th, 2000 to (*+1) 27th, for example, from August 28th, 2008 to September 27th, 2008. If you buy goods on any day during this period (September 23), then the trading day is September 23, 2008, which is the billing date of general credit cards. If the repayment is made on September 25th, then September 25th, 2008 is the repayment date, and the due repayment date is 10 2008 10/7 (assuming that the repayment period is extended for 20 days, September 27th plus 20 days is 10 10
For the longest repayment period (50 days), you can choose to shop on August 29th, 2008.