According to the China bank card industry self-discipline convention:
Article 13 Member units shall strengthen public publicity on the use and risk prevention of bank cards to ensure that customers have full right to know and choose the interest, charging standards and related risks of bank card business.
(1) Member units shall strengthen the disclosure of credit card business information, fully reveal the meaning of credit card interest-bearing rules, clearly explain the interest-bearing rules in eye-catching fonts in credit card application forms, and provide calculation rules and simulation cases through publicity channels such as websites.
(II) Member units shall implement the regulatory requirements, choose the credit card interest rate collection method and corresponding preferential measures suitable for their own development according to the actual situation, but shall clearly inform the credit card applicant (or cardholder) of relevant information, so as to ensure that the applicant (or cardholder) can choose and decide whether to accept it according to his own wishes.
(3) The member unit shall remind the cardholder to repay the credit card at least 3 days before the due date of repayment by bills, text messages, emails, telephone calls or letters.
(4) Member units can provide multiple accounting days for cardholders to choose and change, and can limit the number of changes.
Extended data:
Consequences of overdue credit card:
1. The liquidated damages are generally the minimum repayment amount, that is, 5% of the unpaid part.
2, the interest rate is high, and it is rolling interest. When there are many debts, the interest rate is scary.
3. Overdue will tarnish the credit record, resulting in the inability to handle financial needs such as buying a house and lending in the next two years.
4. The overdue payment is more than 3 months, and the amount exceeds 1 000 yuan, and the bank has repeatedly failed to make dunning. At that time, you will not only pay back the money, but also bear criminal responsibility.
Bank of Communications:
1, annual fee-free policy: Puka Gold Card swipes the card for 6 times to avoid the annual fee for the following year.
2. Withdrawal fee:
Domestic cash withdrawals charge 1% of the transaction amount, with a minimum of 10 yuan per transaction; For overseas cash withdrawal through UnionPay network, each payment is 12 yuan, plus 1% of the transaction amount, with a minimum of 15 yuan; For overseas cash withdrawal through VISA/MasterCard network, the transaction amount of 1% is charged, with a minimum of $5.
3. The longest interest-free period: 56 days.
4. Multi-account management: single-day independent repayment with quota sharing.
6. Online payment: it must be opened at the bank counter first. Which is lower, the mobile phone registration version limit of 5000 yuan or the credit card itself limit; Certificate registration version of a single, one-day limit 1 10,000 yuan, lower than the credit card itself?
7. Installment business: You can apply for free installment (6, 9, 12, 18, 24) by phone after spending in 500 yuan, and different handling fees will be generated for each installment according to the number of installments.
8. Bookkeeping date: the monthly bookkeeping date is generated by the system, and the bookkeeping date of each cardholder is fixed and cannot be changed.
Card types: Puka (with a quota of 0-5 thousand yuan), Gold Card (with a quota of 0-50 thousand yuan) and Platinum Card (with a quota of 0-50 thousand yuan or more).
Currency: RMB, RMB/USD.
Baidu encyclopedia-credit card
Baidu Encyclopedia-China Bank Card Industry Self-discipline Convention