How to apply for Bank of Communications Global Credit Card? What are the requirements?
Bank of Communications has launched a global credit card, which is said to bring a more convenient and faster card use experience to friends who like to travel abroad. So, how to apply for this Universal Card? What conditions need to be met? Let’s take a look below.
BoCom Global Credit Card is a full-currency credit card, with an elite version and a basic version. Depending on the version, the benefits that cardholders can enjoy are also different, but it is certain that the elite version has more benefits than the basic version, so it is best for everyone to apply for the elite version, but this elite version is not so Easy to apply for.
Application conditions:
(1) Basic conditions: Generally speaking, applicants for China Construction Bank credit cards must meet several basic conditions. In terms of age, they must be an adult citizen less than 65 years old, and have If you have a stable income, can repay your loans on time and have good credit, you can apply.
(2) Additional conditions: Bank of Communications Global Credit Card is only available for old Bank of Communications credit card users. If you want to apply for a Global Card, you must first apply for another Bank of Communications credit card.
Application method:
Generally speaking, if you meet the application conditions and submit enough information, the approval rate for applying for Bank of Communications Global Credit Card is still very high. Friends who want to apply for this card can log in to the official website of the Bank of Communications to apply.
On the application page of the Bank of Communications credit card official website, follow the prompts to fill in the identity information, such as name, pinyin, gender, ID number, etc., enter the mobile phone verification code, click Next and follow the prompts to complete. Apply.
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What is the annual fee policy of Bank of Communications’ all-currency international credit cards? How much is the annual fee?
BoCom’s all-currency international credit card is a credit card specially designed for overseas consumption. Some friends who want to go abroad asked some questions about this card when applying for a global credit card. The most frequently asked question is what is the annual fee policy of Bank of Communications for all-currency international credit cards? How much is the annual fee? Today I will answer it for you.
Annual fee for Bank of Communications' all-currency international credit card
1. Basic version of Bank of Communications' all-currency international credit card
The annual fee for the main card is RMB 200, and the annual fee for the supplementary card is RMB 200. The annual fee is RMB 100.
2. Bank of Communications All-Currency International Credit Card Elite Edition
The annual fee for the main card is RMB 500, and there is no annual fee for the supplementary card.
For example, the annual fee for Bank of Communications’ gold card is generally RMB 200. The annual fee for Bank of Communications’ all-currency international credit card elite version may be higher than the annual fee for other Bank of Communications’ gold cards. So, what is the annual fee policy of Bank of Communications’ all-currency international credit cards? How to waive the annual fee?
1. Bank of Communications’ credit cards are basically exempt from the first-year annual fee, and Bank of Communications’ all-currency international credit cards are no exception.
2. As long as you make one overseas offline purchase within one year from the card verification date, you can be exempted from the annual fee for the following year, and there is no limit on the consumption amount. It should be noted that online transactions are not counted.
With Bank of Communications’ full-currency international credit card, as long as you make one overseas purchase each year, you can go abroad or travel and shop in Hong Kong and Macao, and the annual fee for the next year can be easily waived. Therefore, friends who feel that the annual fee for the elite version of Bank of Communications’ all-currency international credit card is higher does not need to worry about the annual fee.
I think that although the annual fee of Bank of Communications’ all-currency international credit card is a bit high, its annual fee policy is very good. The annual fee can be waived for one overseas offline purchase within the specified period. I believe that many people who go abroad It can be done easily, and it is still worth buying.
Can Bank of Communications Global Credit Card be used for domestic consumption?
Bank of Communications Global Credit Card cannot be used for domestic 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 is RMB 15 (per card), 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 USD 1 per transaction and a maximum of USD 50 per transaction.