"Under normal circumstances, there is no limit to the number of monthly use of Bank of Communications credit cards, but the scope of use of credit cards is limited. Generally, the amount exceeding the limit is at most 10% of the credit line of the credit card. If the user reaches this limit, it is impossible to continue to use the over-limit limit for consumption before completing the repayment obligation. In addition, it should be noted that the use of credit cards for over-limit consumption requires a certain over-limit fee.

Development history

1908 (thirty-four years of Guangxu), Bank of Communications was founded by Liang Shiyi. [ 14- 15]

After the founding of the Republic of China, the Bank of Communications was entrusted by the Central Bank to jointly undertake the revenue and expenditure of the national treasury and issue and exchange the national currency with the Bank of China. [ 16]

1928, the Legislative Yuan of the National Government passed the Regulations on Bank of Communications, and Bank of Communications became a specialized bank to help farmers and workers. When Bank of Communications was founded, its headquarters was located in Beijing.

19 19 After World War I, Bank of Communications Shanghai Branch took over the four-story Renaissance-style building of Dehua Bank located at the Bund 14, the Shanghai public concession.

1928, with the national political center transferred from Beijing to Nanjing, Bank of Communications also moved its head office to Shanghai Bund 14.

1937 when War of Resistance against Japanese Aggression broke out, the head office of Bank of Communications moved to Chongqing.

1946- 1947, the Shanghai head office was converted into a 6-story art deco building.

195 1 year, the head office of Bank of Communications moved back to Shanghai, and the Shanghai Bund 14 was stationed by the Shanghai Federation of Trade Unions.

1958 Except for the Hong Kong branch, the domestic business of Bank of Communications was merged into the local People's Bank of China and the Hong Kong Stock Exchange of China People's Construction Bank (now known as China Construction Bank) established on the basis of Bank of Communications: 0939.

1July 24th, 986 In order to adapt to the reform and development of China's economic system, the State Council approved the reorganization of Bank of Communications as a pilot of financial reform.

1 987 April1day, the newly established Bank of Communications officially opened to the outside world, becoming the first national state-owned joint-stock commercial bank with its head office located at No.200 Jiangxi Middle Road (formerly Jincheng Bank Building); At present, the head office of Bank of Communications has moved toNo. Yin Cheng Middle Road 188, Pudong.

In June, 2004, in the process of deepening financial reform in China, the State Council approved the overall plan of deepening the shareholding system reform of Bank of Communications, with the goal of turning Bank of Communications into a modern financial enterprise with perfect corporate governance structure, sufficient capital, strict internal control, safe operation, efficient service, strong international competitiveness and a century-old national brand.