The minimum repayment amount of Huaxia Bank's credit card = 5% of the consumption amount within the credit line (first month's bill 10%)+ total cash transactions+total monthly amortization+total outstanding minimum repayment amount in the previous period+total consumption outside the credit line+total interest and expenses.

Huaxia Bank officially issued Huaxia Credit Card on June 8, 2007. Huaxia Bank's first series of credit cards are divided into ordinary cards, gold cards and titanium cards. In terms of product function design, Huaxia Credit Card has launched a number of innovative functions and services. There are innovations in credit card quota, repayment period and interest-free policy. Issuing Huaxia Credit Card is a significant progress in the strategic cooperation between Huaxia Bank and Deutsche Bank, and it also marks the first time that Huaxia Bank has entered the credit card market in China.

At the press conference, Wu Jian, President of Huaxia Bank, told reporters: "The first Huaxia Credit Card fully integrated the domestic and foreign outlets, customers, merchants, management, technology and other resources of the two banks, and with the strong support of China UnionPay and mastercard international, it provided consumers with an international quality credit card. The Huaxia Credit Card launched this time will pay more attention to creating core value for consumers.

It is understood that this is the first time that Huaxia Bank has set foot in the credit card business since the establishment of 1992. Hou Ping, CEO of Huaxia Bank Credit Card Center, told the reporter: "Huaxia Credit Card has fully considered the differentiated needs in product function design. It is hoped that through the unique function points provided by Huaxia Credit Card, the cardholder's property control will be enhanced to meet the higher financial needs. These characteristics are innovative by combining the international advanced financial product concept with the actual needs of local consumers in China, such as the functional design of innovative products such as' easy turnover',' big borrowing and small repayment' and' risk-free'. "

On June 23rd, 2007 10, Huaxia Titanium Credit Card was selected as the "Best Financial Card Award" of the International Business Card Manufacturers Association (ICMA) ICMA)2007. At the same time, Citigroup (Citibank) and Scotiabank () also won this honor. This is the first time that China Credit Card has been shortlisted for this international award in the 22 years since its birth.