knowledge about CCB's credit card:
annual fee-free policy: the annual fee for the following year will be exempted if the card is swiped 3 times or 18 times by Puka Gold Card (excluding special cards such as business cards and automobile cards)
Cash withdrawal fee: within China: 5‰ of the transaction amount, with the lowest 2 yuan and the highest 5 yuan; Overseas: 3% of the transaction amount, with a minimum of $3.
Multi-account management: quota * * * Enjoy the same repayment on the bill date of multiple CCB cards independently
Online payment: Alipay: it can be used after online registration, and the single and single-day limit is 5 yuan
installment business: support interest-free installment (3, 6 and 12) for specific merchants. You can apply for installments (3, 6, 12, 18 and 24 installments) by phone after spending more than one 1 yuan, and each installment will generate different handling fees according to the number of installments.
Billing days: there are multiple billing days every month, and cardholders can change the currency: RMB, RMB/USD and RMB/Euro once a year within the validity period of the card.
Calculation of interest on CCB credit cards:
Overdraft cash withdrawal transactions do not enjoy interest-free repayment period.
During the revolving use period:
Revolving credit generally means that the credit limit of a credit card can be recycled. As long as the customer can repay the line in time after each use (including the minimum repayment method), it can be reused without applying before each use. Revolving credit is the inherent attribute and main function of credit card, which brings convenience to cardholders.
interest calculation of revolving credit:
each consumption amount in the last statement is the interest-bearing principal, and the interest-bearing days are from the bookkeeping date of the account to the payment date of the account; The interest rate of revolving credit shall be uniformly stipulated by the People's Bank of China, with a daily interest rate of .5 ‰ and compound interest on a monthly basis. The interest on revolving credit will be stated in the next bill.