1. For cash withdrawal by credit card, the domestic cash withdrawal fee for credit card is 65438+ 0% of the cash withdrawal principal, with the lowest 3 yuan and the highest 200 yuan, and the cash withdrawal interest is five ten thousandths of the daily fee and principal.

For domestic cash withdrawal with the integrated deposit-loan card, the amount of the savings account is taken first. When the balance of the savings account is insufficient, the system will automatically transfer the available cash withdrawal amount from the credit account to the savings account for use.

However, it is a credit card withdrawal. In addition to the inter-bank fee for debit cards, the credit account will also charge the withdrawal fee and interest.

2. If the repayment amount of the credit card bill is lower than the minimum repayment amount of the current bill before the due repayment date, in accordance with the regulations of the People's Bank of China, an overdue fine of 5% will be imposed on the unpaid part of the minimum repayment amount on a daily basis, and interest will be charged at a rate of five ten thousandths per day from the trading day.

3. If the repayment cannot be made in full on the due repayment date, the bank allows the minimum repayment amount, which is generally 10% of the total repayment amount, so that there will be no overdue repayment and the bank will not charge a late fee.

Application conditions of extended information:

All China citizens, foreigners living in China and compatriots from Hong Kong, Macao and Taiwan who have full capacity for civil conduct, legal and stable income and good reputation can apply for personal credit card MasterCard with their valid certificates. Note: the application card needs to be accompanied by work certificate, and other conditions are needed, including social security, good enterprises such as institutions, vehicles, houses, etc. , the specific phone number can be contacted.

2. The primary cardholder and the secondary cardholder share the same credit line; The cardholder of the primary card can set the usage limit of the secondary card within the credit limit; All transaction funds, corresponding interest and expenses of the secondary card are credited to the account of the primary card, and the cardholder of the primary card is fully responsible for the debts incurred under the primary card and the secondary card.

3. Enterprises, administrative institutions, social organizations and other economic organizations authorized by legal persons who open basic account in domestic financial institutions may apply for unit cards from card issuers with information such as the account opening permit issued by the People's Bank of China. To apply for a foreign currency unit card, you must also have a stable source of foreign exchange and an account that can legally control its foreign exchange.

Each unit can apply for several unit cards, and the cardholder qualification shall be designated or revoked in writing by the legal representative of the applicant unit or its entrusted agent. The applicant shall bear all debts arising from the unit card.

When applying for a credit card, the applicant shall fill in the application form and the authentic materials required by the card issuer correctly, completely and truly, and sign a contract with the card issuer. According to the applicant's application and credit status, the card issuer decides whether to approve his application, whether to require him to provide guarantee and guarantee method, and determines the credit limit.

5. Credit card applicants provide guarantee in the form of guarantee, mortgage and pledge. The scope of guarantee includes all outstanding debts under the cardholder's credit card, and the corresponding guarantee contract is signed for guarantee.

Credit card issuers of China Everbright Bank provide cardholders with inquiry passwords and transaction passwords through designated channels.

7. After receiving the credit card, the cardholder shall immediately sign the same signature in the signature column on the back of the credit card and use the same signature in the transaction, otherwise the cardholder shall be responsible for the losses arising therefrom.

Baidu encyclopedia everbright bank credit card