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Query on the use of a black card of Bank of Communications UnionPay y-power credit card that I applied for.
1, you can use it. The credit card is valid for 3 years, but you need to log in to the credit card online banking or activate the customer service hotline on the back of the card.

2. The repayment date is 25 days after the bill date. If you want to confirm the specific repayment date, please confirm your bill and continue to ask questions later. Please refer to the following to learn how to do temporary storage.

3. The first installment amount of Bank of Communications Y-POWER Credit Card is RMB 500 yuan or USD 60. From 2 days after the transaction date to 3 days before the due repayment date, you can log in to the online banking of SMS password user version or certificate user version or call the 24-hour customer service hotline of the credit card center on the back of the card, and divide the consumption into 3 months, 6 days, 9 days, 12 days, 18 days and 24 months, which is not limited by designated stores and commodities. Accurately speaking, if you repay the loan on time, there is no interest, only a handling fee of 0.72% of the principal per installment. According to your credit card limit, it is a handling fee of 34.56 yuan per period. So your monthly repayment amount is: 4800/ installment +34.56 yuan. You can calculate it yourself and consider installment. Your statement that the first phase of Bank of Communications credit card must be returned with principal and interest is not valid.