Question 1: Do you need to pay for credit insurance of traffic credit card? What do you mean? Bank of Communications credit card has a value-added service called credit protection, which includes three specific points:

① One day after the bill date, three days before the due repayment date and the due repayment date, you can receive credit card bills and repayment SMS reminders to remind the bill amount and due repayment date of the current month;

(2) 2 days grace period. If there is no repayment after the final repayment date, you can enjoy the special exemption of late payment fee and interest caused by delayed repayment as long as you repay in the next 2 days according to the agreed channels;

③ In case of death or disability due to an accident, the cardholder will cancel all debts on the credit card account at 0: 00 on the day of the accident and pay a certain amount of solatium (RMB 5,000).

The charging standard is 3 yuan/month & storage 47; Card, quarterly charge, one-time charge for 9 yuan.

Therefore, this kind of value-added service can be regarded as incidental insurance, which is more cost-effective and more intimate.

If you don't understand, please ask questions and hope to adopt them.

Question 2: How much is the loan credit insurance premium? This is an interest deposit in advance.

Question 3: What is the function of credit insurance? Credit (guarantee) insurance is based on various credit behaviors. Credit insurance is generally divided into general commercial credit insurance and export credit insurance. General commercial credit insurance generally only covers wholesale business, not retail business. Similarly, general commercial credit insurance only covers short-term commercial credit insurance, especially long-term commercial credit insurance generally does not. General commercial credit insurance is divided into three types, including credit insurance, loan credit insurance and personal loan credit insurance. Export credit insurance mainly covers the risk that export enterprises cannot recover the payment in time due to the credit risk of the counterparty or the political risk of the country or even the war risk in the process of international trade. Export credit insurance can be divided into short-term export credit insurance and medium-and long-term export credit insurance according to the duration of underwriting risks. This is different from general commercial credit insurance. The first feature is that the underwriting risk is special. Credit insurance generally covers commercial risks, but * * * supports credit insurance. For example, China Export Credit Insurance Corporation not only covers commercial risks, but also political risks. There are also some special export credit insurance that can cover war risks. The second feature emphasizes loss sharing. The difference between credit insurance and other insurances is that it emphasizes loss sharing. Generally speaking, even if the insurance company praises it, the insured still has to bear some losses, ranging from 5% to 15%. The third feature: the difficulty of risk investigation is different from that of general insurance products. The subject of credit insurance is the credit of individuals or enterprises that do not actually exist, and the credit level of enterprises and individuals is not easy to investigate. Generally speaking, insurance companies can only judge the future credit risk by their past credit records, but in fact the error of this method is still relatively large.

Question 4: Which insurance company has Xinbao and Ping An Insurance?

Question 5: What is the difference between credit insurance and performance insurance in insurance? 10 performance bond insurance, as its name implies, is a form of insurance against the uncertainty of debtor's performance ability. This ability to perform the contract can be considered not only from the perspective of good faith, but also from various objective factors. Performance bond insurance refers to a form of insurance in which the insurance company promises to the beneficiary of performance bond insurance that if the insured fails to perform his obligations in accordance with the contract or the law, the insurance company will bear the liability for compensation.

Credit insurance means that the obligee insures the debtor's credit risk with an insurer, which is an insurance product used by enterprises for risk management. Its main function is to ensure the safety of enterprise accounts receivable. Its principle is to transfer the debtor's guarantee responsibility to the insurer, and when the debtor fails to perform his obligations, the insurer shall bear the liability for compensation.

Question 6: Risk of WeChat Credit Card One of the major innovations of CITIC WeChat Credit Card is to introduce the insurance model for the first time to reduce the credit risk of customers and the risk of bank assets. Zhongan Insurance has also established a joint defense mechanism for WeChat credit card risk, and constantly put forward optimization measures for risk prevention of CITIC WeChat credit card according to business development to reduce financial risks. The relevant person in charge of Tencent said, "Zhongan Insurance and WeChat Credit Card have joined hands, marking the first time that domestic credit cards have launched commercial credit insurance. In the past, banks solved personal credit card risks by keeping their own risks. " Zhongan Insurance was established on 20 13, focusing on internet insurance. At the beginning of its establishment, it mainly focused on credit insurance and guarantee insurance. To this end, it has a professional accounting system and collection management system, which can support a large number of small accounts. At the same time, WeChat payment is also underwritten by China People's Insurance Company, and a full payment system of "You dare to use it, I dare to pay it" has been introduced.

Question 7: I withheld more than 900 yuan from Bank of Communications Xinbao without signing it. What should I do? Call Bank of Communications credit card customer service within 7 days to cancel the insurance.

Question 8: Taobao's store deposit, bought 30 yuan's deposit insurance, with Xinbao 1000 yuan, and the payment was deducted from your Alipay account to the deposit account. It seems so!

Question 9: I want to ask if I need to buy credit insurance for the loan. If it's a real loan of 20,000 yuan, how much should I pay if I have to pay a penalty? Thank you. Don't have to pay a penny.