1. There are two kinds of money in the credit card of Bank of Communications.
1, credit line funds.
2. Overpayment means money exceeding the credit limit.
Transferring money at the counter is equivalent to withdrawing cash and will pay a certain handling fee. However, if it is overpaid, you can take it out first without charging any fees, and then make a card-free deposit or remittance in cash. Remittance requires an ID card.
Second, the characteristics of Bank of Communications credit card
1, Bank of Communications Credit Card has grasped the dual advantages of "local and global" of Bank of Communications and HSBC: Bank of Communications has more than 2,600 branches in more than 30 cities nationwide1; And the confidential banking network system of HSBC, the second largest financial institution in the world, make this "China people's global card" shine and bring a unique card experience.
2. Bank of Communications Credit Card is not afraid of difficulties and is determined to innovate. It has been committed to providing better service to cardholders and creating a better life, and making unremitting efforts to help more China people enjoy world-class courtesy more easily.
Extended data:
Provisions of Bank of Communications on credit card interest:
For non-cash transactions, the interest-free repayment period is from the bank bookkeeping date to the due repayment date. The shortest interest-free repayment period is 25 days and the longest is 56 days. During this period, as long as you pay off all the money payable in the current period on the current statement, the interest on any non-cash transactions advanced by the bank to the store will not be paid.
The minimum repayment amount means that if the cardholder has difficulty in repaying all the payables before the due repayment date, he can repay according to the minimum repayment amount stipulated by the issuing bank, but he cannot enjoy the interest-free repayment period. The minimum repayment amount is 65438+ 00% of the consumption amount plus other payables. The minimum repayment amount is listed on the current bill.
Bank of Communications adopts the calculation method of revolving credit interest. Revolving credit: Revolving credit is a small unsecured loan with daily interest. According to your financial situation, you can decide the repayment amount by yourself every month before the current credit card bill expires. When your repayment amount is equal to or higher than the minimum repayment amount of current bill.
When the interest is lower than the current repayment amount, the remaining deferred repayment amount is the circulating credit balance. Revolving credit is a very convenient loan tool, which not only allows you to enjoy the convenience of swiping your card, but also is a good choice for you to manage your finances easily. If you choose to use revolving credit, you cannot enjoy the interest-free repayment period in the current period.
Baidu Encyclopedia-Bank of Communications Credit Card
Baidu encyclopedia-credit card