Bank of Communications Global Credit Card MasterCard Elite Edition
Answer: Application at the counter
1. Bring your credit certificate to the counter to apply:
2 .Applicants are required to submit relatively complete asset certification documents and submit materials to the bank for review by the bank's back-end review department;
3. After passing the review, fill in relevant information and identity information;
4. Issue a credit card.
Online banking application:
1. The applicant uses a savings card account under his or her name to open online banking and enter the bank’s official website;
2. Enter , login password and verification code and enter the online banking page;
3. Click "Credit Card Service", you can choose to apply for a credit card under the credit card service page, fill in the information and submit, the review progress and results will be displayed on the online banking;
4. After passing the review, the credit card will be issued.
Counter processing process:
1. Go to the bank branch where the credit card is processed, or find a local bank credit card center Staff, fill in the credit card application form. The content of the application form generally includes the name of the applicant, basic information, financial status or source of income, guarantor and his basic information, etc.;
2. Submit certain documents Send copies and certificates to the card issuing bank;
3. After filling in the application form truthfully, you must also submit the relevant credit certificate while submitting the completed application form;
4 .The application form is accompanied by a credit card use contract. The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must have his or her signature;
5. The credit card application process is basically completed, waiting for the credit card to be issued.
Can the Bank of Communications Global Credit Card be used in China?
The Bank of Communications Global Card Credit Card cannot be used in China because it does not Support UnionPay payment.
Consumption can be made at overseas merchants with VISA/PlusMasterCard/Cirrus. The Global Card Elite version waives overseas non-US dollar currency conversion fees, enjoys exclusive VISA Signature or MasterCard Business overseas emergency services and concierge services, and enjoys convenient and fast services at any time. The Global Card is a U.S. dollar credit card that supports overseas U.S. dollar consumption and does not support RMB. The automatic foreign exchange purchase function on the bill day is enabled by default, and there are a variety of repayment services.
Extended information
Bank of Communications Global Credit Card is a product that comprehensively solves customers’ overseas card use needs. It has both chip and magnetic stripe dual transaction media, allowing you to experience a fashionable and fast Contactless payment allows you to enjoy a safer and more reliable overseas card use experience.
In addition to traditional magnetic stripe transactions, Global Card also uses the world's most advanced EMV chip security control technology and DDA (Dynamic Data Authentication) function to greatly enhance cardholders' card security index.
Global Card supports contactless payment. When spending overseas, you only need to wave your hand in front of the VisaPaywave or MasterCard Paypass card reader, and the payment can be completed in as fast as 0.5 seconds. It is fashionable and fast, and you can get rid of change and money. Cash worries.
Reference: Bank of Communications Credit Card Official Website - Bank of Communications Global Credit Card
Can Bank of Communications Global Credit Card be used for domestic purchases?
Bank of Communications Global Credit Card cannot be used domestically. Consumption.
Bank of Communications Global Credit Card is a product that comprehensively solves customers’ overseas card usage needs. The Global Card is a US dollar credit card that supports overseas US dollar consumption. You can use VISA/Plus, MasterCard/Cirrus abroad. Make purchases at merchants and withdraw cash at automated teller machines (ATMs).
The Universal Card is divided into two levels: "Basic Edition" and "Elite Edition". "Gold Card" is the Basic Edition of the Universal Card, and "Black Card" is the Elite Edition of the Universal Card.
The charging standards are as follows:
1. Annual fee (per card) Main card/supplementary card Black card: RMB 500/0 yuan; Gold card: RMB 200/100 yuan
2. Loan interest (daily): 5/10,000
3. Late payment fee (each payment) is charged at 5% of the unpaid portion of the minimum repayment, with a minimum of RMB 10 or US$1
4. The cost of reissuing a new card (per card) is RMB 15, and an additional RMB 35 is charged for expedited processing
5. The handling fee for reporting loss (per card) is RMB 50
6. Cash withdrawal fee (each transaction) Credit limit cash withdrawal fee: When withdrawing cash overseas through the VISA/MasterCard network, 1% of the transaction amount is charged, with a minimum of US$5 per transaction
7. Overflow deposit collection Handling fee: For domestic RMB withdrawal, 0.5% of the transaction amount is charged, with a minimum of RMB 10 per transaction and a maximum of RMB 500 per transaction; for domestic USD withdrawal through the counter, 0.5% of the transaction amount is charged, with a minimum of 1 USD per transaction. Maximum USD 50 per transaction. Overseas cash withdrawals through the VISA/MasterCard network are charged at 0.5 of the transaction amount, with a minimum of USD 5
8. Transfer fee (each transaction)
Excess deposit transfer fee: domestic RMB transfer, 0.5% of the transaction amount is charged, with a minimum of RMB 10 per transaction and a maximum of RMB 500 per transaction.
For domestic U.S. dollar counter transfers, 0.5 of the transaction amount is charged, with a minimum of 1 USD per transaction and a maximum of 50 USD per transaction.
Bank of Communications - Bank of Communications Global Credit Card
I applied for the Communications UnionPay Gold Card. Why is there another Bank of Communications Global Credit Card MasterCard Elite Edition after approval?
This is the default option
When applying for the Bank of Communications Standard UnionPay Gold Card through online channels, you can choose between UnionPay single-label card and UnionPay VISA card. But if you don't pay attention, when you choose a UnionPay single-label card, the "Bank of Communications MasterCard" card will be checked by default.
In addition, the Bank of Communications standard card is the same as the Y-Power card and is an entry-level card of the Bank of Communications. There are three main types: UnionPay single-label, MasterCard-UnionPay dual-label, and visa-UnionPay dual-label. If you travel abroad frequently, you can also apply for a Global Card.
Extended information:
Different banks will conduct user profile analysis on credit customers. Each bank’s credit card approval, marketing, and risk control are different, and they also have unique characteristics in the eyes of cardholders. Bank characteristics.
Bank of Communications is one of the five major banks and belongs to the Banking Supervision Department No. 1 of the China Banking Regulatory Commission (responsible for supervising state-owned banks), and the Banking Supervision Department No. 2 is responsible for supervising joint-stock banks. In terms of marketing activities, Bank of Communications and China Merchants Bank have the upper hand.
In addition, if Jiangxi Copper Bank holds multiple Bank of Communications credit cards, the bills will be independent and they need to be repaid separately. If you have a platinum card, points can be redeemed for airline miles (Air China, China Eastern Airlines, China Southern Airlines and Asia Miles).
Can the Elite Edition of Bank of Communications Global Credit Card MasterCard be used in China?
The Elite Edition of Bank of Communications Global Credit Card MasterCard cannot be used in China.
Bank of Communications Global Credit Card is a product that comprehensively addresses customers’ overseas card use needs. It has dual transaction media of chip and magnetic stripe, allowing for a safer and more reliable overseas card use experience.
You can make purchases at overseas merchants with VISA/Plus, MasterCard/Cirrus, and withdraw cash at automated teller machines (ATMs). The Global Card Elite version waives overseas non-US dollar currency conversion fees, enjoys exclusive VISA Signature or MasterCard Business overseas emergency services and concierge services, and enjoys convenient and fast services at any time.
Because the Bank of Communications Global Credit Card is designed to meet customers’ card needs overseas, it cannot be used in China.
Extended information:
Chip transactions, security upgrade
In addition to traditional magnetic stripe transactions, Global Card also uses the world's most advanced EMV chip security control Technology and DDA (Dynamic Data Authentication) function strongly enhance cardholders’ card security index.
U.S. dollar consumption, local currency repayment
Global Card is a U.S. dollar credit card that supports overseas U.S. dollar consumption. It has the automatic foreign exchange purchase function on the bill day by default and has a variety of repayment services. Save time, effort and worry, rationally arrange funds for travel and shopping.
Contactless support, fashionable and fast
Global Card supports contactless payment. When making overseas purchases, you only need to wave in front of the VisaPaywave or MasterCard Paypass card reader, and the fastest payment is made. Payment can be completed in 0.5 seconds, which is fashionable and fast, and free from the worries of change and cash.
SMS reminders, use the card with peace of mind
The thoughtfully prepared SMS service not only allows you to receive instant SMS reminders for every credit card transaction, but also for any account changes, such as monthly statement generation, credit limit You will receive text message reminders from us for changes, etc., making you understand and feel at ease when swiping your card.
Hotline service anytime, anywhere
No matter when and where you are, just call our 24-hour customer service hotline 400-800-9888 (if you are overseas, please dial 86 directly -21-28283888), you can handle inquiries, loss reports and other consultation matters.
Bank of Communications-Global Card Zone
Bank of Communications-Bank of Communications Global Credit Card
What does the Bank of Communications Global Credit Card MasterCard Elite Edition look like?
Bank of Communications Global Credit Card is an overseas consumer chip card launched by Bank of Communications. It can be used overseas and enjoy global benefits. Bank of Communications Global Credit Card fully supports Mastercard Paywave or Visa Paywave overseas contactless payment. Payment can be completed in as fast as 0.5 seconds. It also supports USD accounting for any consumption and RMB repayment. The Universal Card is divided into elite and ordinary versions.
The product has the following advantages:
1. The two-in-one chip and magnetic stripe reduces the risk of counterfeit card theft Card categories
The security issue of overseas card swiping is always A major problem for cardholders is that Global Card adopts the world's advanced EMV chip security control technology, has DDA (Dynamic Data Authentication) function, uses magnetic stripe chip dual media, and effectively upgrades the security factor, which can effectively reduce the risk of counterfeit cards.
2Supports small-amount contactless fast card payment
Supports the latest credit card payment method: contactless transactions. For small-amount payments, you can experience extremely fast transactions without passwords or signatures. Just shake the card to complete the payment. Users can experience fast and convenient contactless credit card transactions on devices that support "contactless payment", and small-amount payments are condensed to "second-speed" transactions - no need to enter passwords, no need to confirm signatures, and can be completed in just 0.5 seconds All payment processes.
3. Currency conversion fee-free pricing strategy for any transaction
Supports consumption in all currencies and provides VISA Paywave/MasterCard Paypass contactless transactions. Global Credit Card Elite Edition users enjoy zero handling fee for any currency conversion from the moment they open the card; Basic Edition cardholders’ overseas non-USD transaction conversion handling fee is 1.75, which will be reduced to 1.5 starting from January next year.
4. The annual fee is waived in the first year, one offline POS is provided, and the annual fee is waived for the following year. Card service
The annual fee of the Global Card is waived in the first year, and offline POS is provided overseas in the same year. Make one purchase and get the annual fee waived for the next year. And it can automatically purchase foreign exchange on the billing day (enabled by default, you can also choose to turn it off), you can self-service foreign exchange purchase to achieve U.S. dollar repayment (before the billing day), and supports various existing repayment methods: automatic deduction, self-service repayment, U.S. dollar Cash repayment, etc.
5. Weekly swiping activities can share 10 times the points for overseas consumption
Global Card and ordinary Bank of Communications credit cards can share the weekly swiping activities, and enjoy 10 times the points for overseas consumption up to 500,000 points Points reward, discounts at famous stores around the world and an additional 5% discount. The basic version earns 7 points for every US dollar of overseas transactions, and the elite version earns 14 points for every US dollar of overseas transactions.
Enjoy the "Ocean World" flight mileage plan, enjoy dining in points paradise, and full points consumption at some offline merchants.
That’s it for the introduction of the Transportation MasterCard Global Credit Card.