How to charge the annual credit card fee?

1. According to the regulations of Bank of Communications Credit Card Center, Bank of Communications credit card annual fee charging standard:

1. Platinum Card: Currently, the annual fee of Bank of Communications Platinum Card will be charged on the third day after the account is activated. Charged on one billing day.

2. Non-Platinum Card: The current annual fee policy of Bank of Communications credit cards is to waive the annual fee in the first year. If you swipe the card 6 times in the current year, the annual fee for the next year will be waived.

Note: If the Bank of Communications credit card annual fee collection policy is adjusted, it will be notified through the website, bill and other channels. Card applicants are requested to pay attention to the notice at that time. ?

2. According to the current policies of Bank of Communications, if the account of the newly issued card is not activated, the annual credit card fee will not be charged, but other cards, such as card renewal upon expiration, card replacement after reporting loss, and card re-creation are waiting. The annual fee for activated cards will remain the same as that of the previous card.

Since October 1, 2017, Bank of Communications has implemented a new platinum card annual fee preferential policy for high-end personal customers. The details are as follows:

1. Bank of Communications private banking customers The first platinum card under your name as the main card will be exempted from the basic annual fee of the platinum card during the validity period. Private bank customers who renew the card and meet the standard will continue to be exempted from the basic annual fee during the validity period. Private bank customers who do not renew the card and do not meet the standard will be charged half the basic annual fee, that is, 500 yuan. /Year.

2. The first platinum card principal card under the name of Bank of Communications Ward Financial Management customers is exempted from the basic annual fee of the platinum card in the first year. From the next year, the basic annual fee of the platinum card is reduced by half, that is, 500 yuan/ Year.

3. Bank of Communications private banking customers and Ward Financial Management customers apply for multiple platinum main cards. Starting from the second platinum main card, a basic annual fee of 1,000 yuan per year will be charged according to the standard for general customers; if If the first platinum card is canceled, the customer can designate another platinum card under his or her name to continue to enjoy the annual fee discount of Private Banking Ward.

Extended information:

1. The calculation formula of the minimum repayment amount is as follows:

Minimum repayment amount = 10 consumption balance 10 cash withdrawal balance interest balance other payables The balance of the fee is the unpaid portion of the minimum repayment amount of the previous period

1. Bank of Communications adopts the revolving credit interest calculation method

Revolving credit: Revolving credit is a small, Unsecured loans. You can decide the repayment amount according to your own financial situation every month before the due date of the current credit card bill.

When the amount you repay is equal to or higher than the minimum payment amount of the current bill, but lower than the amount due in the current period, the remaining deferred payment amount is the revolving credit balance.

2. Revolving credit interest rate:

The revolving credit interest rate is uniformly stipulated by the People's Bank of China, with a daily interest rate of 5/10,000 and compound interest calculated on a monthly basis.

3. Calculation of interest on revolving credit:

The amount of each consumption in the previous period's statement is the interest-bearing principal, from the date when the account is recorded to the date of the account The date of repayment is the number of days for interest accrual, and the daily interest rate is 5/10,000. Interest on the revolving credit will be shown on your next bill.

2. Repayment through the Bank’s channels:

1. Automatic repayment by the Bank’s debit card

2. Self-service repayment by the Bank’s debit card ( Online banking, mobile banking, telephone banking)

3. Electronic transfer and repayment of our bank’s debit card

4. Automatic inter-bank repayment of other banks’ debit cards

5. Inter-bank self-service repayment with debit cards from other banks (online banking, mobile banking)

6. Cash repayment at our bank’s business outlets

7. Automatic deposits from our bank Machine cash repayment

3. Third-party payment platform repayment:

1. Kuaiqian repayment

2. Alipay repayment

4. Tenpay repayment