Are Bank of Communications Pacific Card and Bank of Communications Pacific Credit Card the same?

Bank of Communications Pacific Card is different from Bank of Communications Pacific Credit Card. Pacific Card is a debit card, while Pacific Credit Card is a credit card. Debit cards have deposits from the cardholder and cannot be overdrafted. A credit card is a bank card that uses bank money first and repays it interest-free within a specified period.

Common hidden dangers of credit cards:

1. If a "dormant" credit card is not canceled, it will result in unpaid fees and late fees

Credit Cards Many people have many credit cards in their wallets; Some cards are not used at all. As time goes by, they forget about them. They even think that if the credit card is not swiped, there will be no fees and it will be okay to leave it alone. In fact, if a "dormant" credit card is not canceled, it will incur unpaid bills and late fees.

2. Don’t use “minimum repayment amount” lightly, the bank will not suffer losses

Many people mistakenly make the mistake of seeing the “minimum repayment amount” column on their statement. I thought it was because of the "interest-free" offer. In fact, the "minimum repayment amount" is prepared for those who are unable to repay the credit card in full. Once you repay according to the minimum repayment amount, you have used the "revolving credit" of the credit card, and the bank will handle all outstanding debts from Interest is charged from the accounting date.

3. The "last three digits" of a credit card cannot be ignored as they play an important role in transaction security.

On the back of each credit card, two sets of numbers are usually displayed in italics at the top of the signature area. . The first four digits are the last four digits. The last three digits are commonly known as the "last three digits". It is a verification code set up by commercial banks to ensure the security of credit card passwords, and is used for bank cards for indirect credit card consumption transactions. For example, it is used for online payment and other transactions, so the "last three digits" of the credit card cannot be disclosed.

Annual fee for Bank of Communications Pacific Card

Bank of Communications Pacific Card has an annual fee. Depending on the nature of the Bank of Communications Pacific Card, the annual fee collection is also different: Bank of Communications Dual Currency Pacific Card The main credit card gold card is 200 yuan/year, and the regular card main card is 140 yuan/year; the Bank of Communications Single Currency Pacific Credit Card gold card main card is 120 yuan/year, and the regular main card is 80 yuan/year.

The annual fee for the Bank of Communications Pacific Credit Card is waived in the first year. If you make 6 purchases with the card in the first year, you will be exempted from the annual fee in the following year. The annual fee for the third year will be waived by swiping the card 6 times in the following year, and so on.

Bank of Communications Pacific Card is a credit card that integrates three major functions: credit consumption, cash advance, and transfer settlement.

Fees

Late payment fee: 5% of the unpaid portion of the minimum repayment amount for each period;

Over-limit fee: 5% of the portion exceeding the credit limit;

Local inter-bank cash withdrawal: 1% of the transaction amount, the minimum fee is 3 yuan;

Local inter-bank cash withdrawal: 1% of the transaction amount, the minimum fee is 3 yuan;

Cash withdrawal from other places: 1% of the transaction amount, the minimum fee is 3 yuan;

Cash withdrawal from other places: 1% of the transaction amount, the minimum fee is 3 yuan;

Overseas UnionPay cash withdrawal: transaction amount 1, the minimum charge is 15 yuan;

Overseas non-UnionPay cash withdrawal: 1 of the transaction amount, the minimum charge is 3 US dollars, the maximum charge is 30 US dollars;

Overseas emergency cash withdrawal: transaction 1 of the transaction amount, the minimum charge is US$3;

Local peer overpayment recovery: 1 of the transaction amount, the minimum charge is US$3, the minimum charge is US$3, and the maximum charge is US$30;

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Local inter-bank overpayment recovery: 1% of the transaction amount, the minimum US dollar charge is 3 US dollars, the minimum charge is 3 yuan, the maximum charge is 30 US dollars;

Overpayment recovery from non-local counterparts Return: 1% of the transaction amount, the minimum USD fee is 3 USD, the minimum fee is 3 yuan, and the maximum fee is 30 USD;

Recovery of overpayment across banks in different places: 1% of the transaction amount, the minimum USD fee is 30 USD 3 US dollars, the minimum charge is 3 yuan, the maximum charge is 30 US dollars;

Overseas UnionPay overpayment recovery: 1% of the transaction amount, the minimum US dollar charge is 3 US dollars, the minimum charge is 15 yuan, the maximum charge It is US$30;

Overseas non-UnionPay overpayment recovery: 1% of the transaction amount, the minimum fee is US$3, the maximum fee is US$30;

Overseas emergency card replacement handling fee : 175 US dollars, the gold card loss reporting fee is 0 yuan, and the regular card loss reporting fee is 35 US dollars;

Card replacement cost: 20 yuan;

Express fee: 20 yuan;

Handling fee for making (and sending) statement: 5 yuan per copy;

Loss report fee: 50 yuan;

Password reset letter handling fee: 20 yuan;

Review the domestic purchase order: 6 yuan 6 yuan;

Review the foreign purchase order: Dual Currency Card $6 Dual Currency Card $6;

Transportation What is the Bank Pacific Credit Card Black Card?

The Bank of Communications Pacific Credit Card Black Card, also known as the Y-power Card, is a Bank of Communications credit card for young people. It has a low application threshold and a high pass rate, but you must have a college degree or above. The card is black and relatively fashionable, so it is popular among young people. Popular with many young people.

1. Advantages of Pacific Credit Card Black Card

Read more about the advantages and features of the 2015 Bank of Communications Youth Card

2. How to apply for Pacific Credit Card Black Card

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Extended reading

2015 Bank of Communications Youth Card application conditions

Required supporting documents to apply for the Bank of Communications Youth Card in 2015

3. Bank of Communications Annual fee and handling fee standards for the Pacific Credit Card black card

Extended reading

2015 Bank of Communications Youth Card annual fee standards

2015 Bank of Communications Youth Card procedures Fee Standards

2015 Bank of Communications Youth Card Mobile SMS Reminder Fee Standards

4. Bank of Communications Pacific Credit Card Black Card Points Redemption Activities

Extended Reading

2015 Bank of Communications Youth Card Points Standard

2015 Bank of Communications Youth Card Points Redemption Method

How to check the 2015 Bank of Communications Youth Card Credit Card points?

5. Bank of Communications Pacific Credit Card Youth Black Card Limit

Extended Reading

What is the Bank of Communications Youth Card Limit in 2015

Transportation in 2015 How to quickly increase the limit of bank youth card

Bank of Communications Y-POWER Credit Card

(cash withdrawal limit up to 100, cash withdrawal fee as low as 5 yuan per transaction)

Transportation Bank Pacific Credit Card Annual Fee

(1) Gold Card: 120 yuan/year for the main card and 60 yuan/year for the supplementary card.

(2) Regular card: 80 yuan/year for the main card and 40 yuan/year for the supplementary card.

Bank of Communications Pacific Credit Card is a credit card issued by Bank of Communications. It has three basic functions: credit consumption, cash advance, and transfer settlement. It is a real credit card that supports consumption first and repayment later.

Any individual with full capacity for civil conduct and legal income can present his or her valid identity document (including ID card, military officer ID card, police officer ID card, pass, return home permit, passport, etc.) recognized by the public security department. The same below) apply for a personal master card from the card issuer.

An individual principal card applicant may apply for no more than three supplementary cards for his or her spouse and immediate family members with civil capacity; all amounts used in the supplementary cards will be credited to the principal card account, and the principal card holder will The person is responsible for repaying all amounts due on the supplementary card.

The Pacific Credit Card issued by Bank of Communications Credit Card Center is a credit card product created by Bank of Communications with the introduction of advanced technology and management from HSBC. It brings together the dual advantages of global and local, and is based on the "Chinese Global Card" The purpose is to advocate a new consumer culture and card-using experience, and provide preferential treatment and considerate services all over the world.

When making purchases at merchants in mainland China, you can directly use your signature to confirm the transaction. If you are accustomed to using signature and transaction password to confirm transactions, you only need to call our 24-hour customer service hotline to enable the merchant transaction password verification service. You do not need to enter the transaction password when making purchases at overseas merchants.

Whether you use this card at home or abroad, you can finally choose to repay in RMB to avoid the inconvenience caused by insufficient foreign exchange abroad. Various repayment methods save time, effort and worry, allowing you to arrange funds reasonably and travel and shop more freely.

The "Lixiang Life" points reward program allows you to get a wide range of free gifts while swiping your card to enjoy the ideal life! Earn 1 point for every yuan spent in RMB and 8 points for every dollar spent. We will launch a new points reward booklet every few months, and each issue has a different series of exquisite and fashionable gifts. You only need to call the 24-hour customer service hotline to enjoy an exclusive one-stop point redemption service and easily get your favorite gifts. Whether you are in a fashionable city, an ancient cultural city, or a water town in the south of the Yangtze River, you can enjoy the discounts offered by merchants in many cities across the country. The "Exclusive and Superior" merchant preferential program allows you to taste fashionable life as you please, and enjoy surprise privileges from merchants in the five major categories of fine wine and food, consumption and shopping, travel and leisure, health and beauty, and jewelry and beauty, thereby demonstrating your superior VIP status.

Annual fee for Bank of Communications Credit Card Pacific Card

The annual fee for Bank of Communications Credit Card Pacific Card is as follows:

1. Annual fee for Pacific Credit Card Gold Card is 200 yuan /year, the annual fee is waived in the first year, and the annual fee is waived for the following year by swiping the card 6 times a year.

2. The annual fee for the Pacific Credit Card Platinum Card is 1,000 yuan per year. Since it is a high-end credit card product with a rigid annual fee, it does not enjoy the annual fee-free policy.

Bank of Communications (English name Bank of Communications, abbreviated as BCM, Chinese name as abbreviated as Bank of Communications) was founded in 1908. It is one of the six largest banks in China and one of the oldest banks in China. It is also the oldest bank in modern China. One of the banknote-issuing banks. On April 1, 1987, the reorganized Bank of Communications officially opened for business and became China's first national state-owned joint-stock commercial bank, with its head office in Shanghai. Bank of Communications was listed on the Hong Kong Stock Exchange in June 2005 and successfully listed on the Shanghai Stock Exchange in May 2007.

Bank of Communications is one of China's major financial service providers. The group's business scope covers commercial banking, securities, trust, financial leasing, fund management, insurance, offshore financial services, etc. Bank of Communications has 235 domestic branches, including 30 provincial branches, 7 directly affiliated branches, and 199 provincial branches.

It has 3,270 business outlets in 239 prefecture-level and above cities, 158 counties or county-level cities*** across the country; it has 7 non-bank subsidiaries, including wholly-owned subsidiaries The company includes Bank of Communications Leasing, Bank of Communications Insurance, and Bank of Communications Investment, and its holding subsidiaries include Bank of Communications Fund, Bank of Communications Guosen, Bank of Communications Life, and Bank of Communications International. In addition, Bank of Communications is also the largest shareholder of Changshu Rural Commercial Bank and the joint largest shareholder of the bank. It has strategically invested in Hainan Bank and controls 4 rural banks.

In July 2019, the 2019 Fortune Global 500 was released: ranking 150th. Ranked 18th on the list of the top 100 Chinese enterprises along the Belt and Road Initiative. In December 2019, it was selected into the 100 Model Brands at the 2019 China Brand Power Ceremony. In March 2020, it was selected into the top 500 most valuable global brands.

Bank of Communications’ personal business includes: savings deposits, personal loans, foreign exchange services, financial planning, investment services, insurance services, convenience services, wealth management, private banking and other services.

What is the annual fee for Bank of Communications Pacific Credit Card?

The current annual fee payment standards for Bank of Communications Pacific Credit Card are as follows:

1. Bank of Communications Dual Currency Pacific Credit Card:

1. The gold card is 200 yuan per year for the main card, and the supplementary card is 100 yuan per year;

2. The regular card is 140 yuan for the main card, and the supplementary card is 70 yuan per year.

2. Bank of Communications Single Currency Pacific Credit Card:

1. The gold card is 120 yuan per year for the main card, and the supplementary card is 60 yuan per year;

2. The main card is RMB 80 per year, and the supplementary card is RMB 40 per year.