How to charge Bank of Communications credit card annual fee
Bank of Communications credit card annual fee:
1. Dual currency card: Gold card main card is RMB 200. The gold supplementary card is RMB 100; the regular primary card is RMB 140, and the regular supplementary card is RMB 70.
2. RMB card: RMB 120 for the main gold card and RMB 60 for the supplementary gold card; RMB 80 for the main card and RMB 40 for the supplementary card.
3. More card: RMB 80 for the main card and RMB 40 for the supplementary card.
4. Platinum main card: basic annual fee of 1,000 yuan (charged after the card is approved, optional service fees are additional)
5. Platinum supplementary card: no basic annual fee ( Optional service fees are charged separately)
6. No annual fee policy: No annual fee for swiping six times, but the card must be swiped at the POS machine in a physical store, and online payment does not count.
7. Note: The annual fee for swiping 6 times is calculated from the time of debiting the card to this time next year, which is the one-year repayment time. Look at the date of the bank statement. If you consume before the statement, then You must repay before the statement date of the next month. If you consume later, you must repay before the statement date of the next month.
What are the consequences of overdue credit cards?
1. Can’t get a credit card.
2. Cannot apply for a loan: If a person's credit history is bad and serious, he can no longer apply for a loan from any bank in China;
3. Restrictions on the purchase of insurance and financial products;
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4. Restrictions on online shopping of luxury goods;
5. Restrictions on children attending high-tuition private schools;
6. Restrictions on the use of transportation: no soft sleepers on airplanes or trains , Steamboat No. 2 and above routes, those with bad credit cannot purchase travel and vacation products through the platform, nor can they book air tickets.
7. Restrict the leasing of office buildings, hotels, apartments and other places.
8. Restrict high consumption in hotels, hotels, nightclubs, golf courses and other places.
9. Restrict the purchase of vehicles that are not necessary for business operations;
10. If the person subject to execution is a natural person, he shall not serve as the legal representative, director, supervisor, or senior manager of the enterprise.
11. Overdue payment not only requires you to bear a 5% late payment penalty on the minimum unpaid portion, but also the full penalty interest on the bill (the daily interest rate is 0.5%, the interest will be calculated starting from the day of consumption, and the interest will be accrued monthly until (until the principal and interest are repaid) will also produce a bad credit record in the Credit Reference Center of the People's Bank of China. It will be difficult to apply for credit cards and bank loans within 5 years; if the payment is overdue for more than three months or the bank has not paid more than two reminders, the bank will Your card will be frozen and you will be listed as a prohibited customer (blacklist). At the same time, your credit card and malicious overdraft will be enforced.
How much is the annual fee for Bank of Communications credit card?
Generally speaking, the annual fee for bank credit cards can be reduced or reduced, but the annual fee for some banks' special cards and platinum cards is There are hard charges. Users should understand the annual fee standards and exemption rules of major banks before using it to prevent unnecessary fees. Today I would like to introduce to you the annual fee policy of Bank of Communications credit cards, which is explained for many popular credit cards.
Bank of Communications credit card annual fee: (main card/supplementary card)
1. Dual currency card
Gold card-200 yuan/100 yuan
Ordinary card-140 yuan/70 yuan
2. RMB card
Gold card-120 yuan/60 yuan
Ordinary card-80 yuan/ 40 yuan
3. More card - 80 yuan/40 yuan
4. Platinum main card
The basic annual fee is 1,000 yuan (charged when the card is approved, optional Service fee is calculated separately)
5. Platinum Card Supplementary Card
Free basic annual fee
6. Y-POWER Card (main card)
Dual currency card - 140 yuan
RMB card - 80 yuan
7. Walmart annual fee
Dual currency card
Gold Card - RMB 150/70
Ordinary Card - RMB 75/38
Bank of Communications credit card annual fee exemption policy:
(1) Non-Platinum Card: The annual fee policy of the Bank of Communications credit card is to waive the annual fee in the first year. If you swipe the card 6 times in the current year, the annual fee will be waived for the following year.
If Bank of Communications adjusts its annual fee collection policy in the future, it will notify you through its website, bills and other channels, so you can pay attention to the notice.
(2) Platinum Card: The annual fee for the Bank of Communications Platinum Card will be charged on the first billing day after the account is activated.
Reminder: If the newly issued card account is not activated, the annual credit card fee will not be charged. However, for other cards, such as those for card renewal upon expiration, cards reported as lost and replaced, or cards that have been remade and are waiting for activation, the annual fee collection will remain the same as that of the previous card.
How much is the annual fee for a regular Bank of Communications credit card?
General card: RMB 140 per year.
1. The annual fee charging standards for Bank of Communications credit cards are exactly the same. The current charging standards are:
Gold card main card: RMB 200 per year,
Gold Card Supplementary Card: RMB 100 per year.
Principal card: RMB 140 per year, main card and supplementary card: RMB 70 per year.
2. The annual fee for Bank of Communications credit cards is waived in the first year (except for platinum cards). After that, the annual fee for the next year can be waived by swiping the card six times a year. Alipay recharges also count the number of purchases.
3. The date when the annual fee is charged by a credit card is the corresponding day in the year following the activation of the card. For example, if the card is activated on May 5th, one year will be counted as May 5th of the following year, and the annual fee will be charged. The deadline is May 5th.
4. The current annual fee policy for Bank of Communications credit cards is that the annual fee is waived in the first year, and the annual fee is waived for the next year if there are 6 transactions in the first year. By analogy, if the account is not activated, the credit card annual fee will not be charged. (Except Platinum Card).
Charges and Interest Calculation
1. Failure to repay the bill in full will not enjoy the interest-free period
The full amount will be calculated at the prescribed interest rate from the transaction recording date Collect interest and compound interest on a monthly basis.
If the customer's repayment amount is lower than the minimum repayment amount, in addition to not enjoying the interest-free period, liquidated damages will also be incurred.
2. Failure to repay on time will not enjoy the interest-free period
Interest will be charged in full at the prescribed interest rate from the transaction recording date, and compound interest will be charged monthly.
3. Overdraft withdrawals do not enjoy the interest-free period
Interest will be calculated from the recording date of overdraft withdrawals, and compound interest will be charged on a monthly basis. Cash withdrawal fees will also be incurred.
Extended information
Bank of Communications credit card has the following businesses:
1. Haoxiangdai
A new credit card installment launched by Bank of Communications The payment business provides bulk consumer credit support with high exclusive quotas (up to 150,000) and convenient service processes. After signing up for Haoxiangdai, when the consumption reaches the set transaction starting amount, the system will automatically carry out installments. The repayment period is up to 24 months, and the maximum monthly handling fee is only 0.72%.
2. The Reddest Friday
Taking the rigid demand of urban groups for Friday consumption as the starting point, we have united with many merchants across the country to create a Friday credit card consumption rebate activity, which is also a Bank of Communications credit card The first marketing brand created in the industry that uses single-day consumption as its activity appeal.
3. Points Paradise
The Points Mall of Bank of Communications Credit Card, where customers can redeem points or swipe their cards to purchase the goods they want. But it is also different from the mall, because users can combine the points of multiple Bank of Communications credit cards under their own names, which can greatly help customers reduce the waste of points.