Bank of Communications credit card comparison of Y-POWER card and standard credit card PK
As a well-known credit card brand in China, Bank of Communications has a relatively low application threshold, fast card approval, and many banking activities And it's powerful. Today I would like to introduce to you two Bank of Communications credit cards: Y-POWER card and Bank of Communications standard credit card. Let’s make a simple comparison in terms of card application, limit, annual fee, rights, points, etc. If it meets your needs for a card, you can apply for one. .
Application for Bank of Communications Credit Card Comparison
Y-POWER Card: Any individual with full capacity for civil conduct and legal income can apply with his/her valid identity document (including ID card, military officer card, police officer card, pass, return permit, passport, etc.) to the card issuer to apply for a personal master card. That is to say, as long as there is income and no bad personal credit record, the application conditions are met.
Standard credit card: The application threshold for applying for a standard credit card is also very low. The applicant only needs to be over 18 years old, have a stable job and income, and have a good personal credit record. If you are applying for a gold card, you need to submit additional financial proof, such as real estate certificate, vehicle driving license, deposit receipt, etc.
Bank of Communications Credit Card Credit Card Limit Comparison
The credit card limit is determined by the bank based on the applicant’s own conditions and financial strength. For ordinary cards, the limit is between 1,000 and 10,000. , if it is a Bank of Communications standard credit card gold card, the limit is between 1,000 and 50,000.
Annual Fee Comparison of Bank of Communications Credit Cards
Y-POWER Card: 80 yuan per year; first-year annual fee waived, swiping the card 6 times to waive the annual fee for the following year.
Standard credit card: regular card 80 yuan per year; gold card 120 yuan per year. The annual fee is waived for the first year, and the annual fee for the following year is waived by swiping the card 6 times.
Benefits of Bank of Communications Credit Card Comparison
Y-POWER Card: This card has two card surface designs: Force Black and Vibrant White, for cardholders to choose freely. This card is designed for young people. It enjoys the benefits of earning points by swiping the card. You can choose the password signature method for card protection. Any overseas consumption can be easily repaid in RMB. In addition, you can enjoy an interest-free period of up to 56 days.
Standard Credit Card: Bank of Communications Standard Credit Card provides comprehensive credit card financial services, with real-time short interest reminders for each transaction, allowing you to use the card with peace of mind; in addition, password signature is freely selectable; the interest-free repayment period is the longest It can last up to 56 days; it has many preferential plans such as "Living Life" and "Exclusive Advantages", allowing you to enjoy the endless fun of swiping your card.
Points Comparison of Bank of Communications Credit Cards
As the two most popular credit cards of Bank of Communications, Y-POWER card and standard credit card share the Bank of Communications points promotion, with 5 times the points on your birthday , 10 times points for overseas consumption, etc. Earn points to offset expenses and share delicious food, allowing you to have endless fun.
The difference between Bank of Communications Y-POWER credit card and standard credit card
1. Annual fee
Y-POWER card: 80 yuan per year; first-year annual fee waived , swipe the card 6 times to waive the annual fee for the next year;
Standard credit card: regular card 80 yuan/year; gold card 120 yuan/year. The annual fee is waived for the first year, and the annual fee for the following year is waived by swiping the card 6 times.
2. Interest-free period
The interest-free period of Y-POWER card and standard credit card is 25-56 days. There is no need to deposit cash in the card. You can enjoy the payment after swiping the card. Enjoy the best consumer experience with an interest-free repayment period of up to 56 days.
3. Limit
The credit card limit is determined by the bank based on the card applicant’s own conditions and financial strength. For ordinary cards, the limit is between 1,000 and 10,000. Bank of Communications standard credit card gold card limit is between 1,000 and 50,000.
4. Points rules
The Bank of Communications Y-POWER card is the same as a standard credit card. You will earn 7 points for every US$1 you spend and 7 points for every US$1 you withdraw. You can use points to offset fees and earn points to share delicious food. .
Y-POWER card points are valid for 2 years. Compared with credit card points policies that are valid for 3 years, 5 years or even lifetime, the points of Y-POWER card are valid for a very short period. You may not have enough points to exchange for your favorite gifts. Consider the issue of points being cleared upon expiration.
5. Cash Withdrawal
When withdrawing RMB cash within the Bank of Communications Y-POWER card, regardless of whether you travel across different banks or in the same city or in different places, the handling fee is as low as 5 yuan per transaction, and the cash withdrawal limit can be as high as the credit card limit. 100. For standard credit card, local bank cash withdrawal, local inter-bank cash withdrawal, non-local bank cash withdrawal, and non-local inter-bank cash withdrawal are 1% of the transaction amount. The minimum fee is 10 yuan and the maximum fee is 500 yuan. The cash withdrawal limit of a credit card is generally 50 of the credit limit.
6. Repayment
Whether you use Y-POWER or Bank of Communications standard credit card at home or abroad, you can choose to repay in RMB in the end, eliminating the need to exchange foreign currency for consumption abroad. Trouble comes. Various repayment methods save time, effort and worry, allowing you to spend with ease with one card in hand.
How much is the annual fee for Bank of Communications Y-POWER programmer-themed credit card? No annual fee?
Although Bank of Communications Y-POWER programmer-themed credit card is just new, it has already attracted the attention of many people. Many people are discussing the relevant information of this credit card, such as its annual fee and so on. So, how much is the annual fee for Bank of Communications Y-POWER programmer-themed credit card? No annual fee? Let me answer it for you today.
How much is the annual fee for Bank of Communications Y-POWER programmer-themed credit card?
The annual fee of Bank of Communications is divided according to the level of the card.
The main card of the regular single-currency card is 80 yuan per year, and the supplementary card is 40 yuan per year; the main card of the regular dual-currency card is 140 yuan per year, and the supplementary card is 70 yuan per year;
Gold The single-currency card is 120 yuan per year for the main card and the supplementary card is 60 yuan per year; the gold dual-currency card is 200 yuan for the main card and 100 yuan for the supplementary card;
The annual fee for the platinum card is 1,000 yuan per year. .
BoCom Y-POWER Programmer Theme Credit Card belongs to Bank of Communications’ regular card series. It is divided into single currency card and dual currency card, so the annual fee for Bank of Communications Y-POWER Programmer Theme Credit Card single currency card is The annual fee for the dual currency card is 80 yuan per year, and the annual fee for the dual currency card is 140 yuan per year.
Is the Bank of Communications Y-POWER programmer-themed credit card free of annual fees?
The Bank of Communications Y-POWER programmer-themed credit card is free of annual fees for the first year. If you want to waive the subsequent annual fees, you must waive them. If you use this themed credit card to make purchases 6 times in a year, the annual fee for that year will be waived. There is no restriction on consumption form or consumption amount when swiping the card.
The above is the answer to "What is the annual fee for Bank of Communications Y-POWER programmer-themed credit card? Is the annual fee waived?" It can be seen that the annual fee of the Bank of Communications Y-POWER programmer-themed credit card is not very high, and the annual fee for the first year is directly waived, and the annual fee for the following year can be waived if the card is swiped 6 times within a year. Therefore, there will be no pressure on annual fees when applying for this credit card.
What is the credit limit of Bank of Communications Y-POWER card? An exclusive card for young people
In the eyes of many card lovers, applying for a credit card from Bank of Communications is a good choice because there are many discounts and Awesome. Bank of Communications Y-POWER Card is a credit card specially designed for young people and is more suitable for first-time card application. Today I’m going to tell you what the limit is for Bank of Communications Y-POWER credit card.
The Bank of Communications Y-POWER credit card limit is generally between 5,000 yuan and 50,000 yuan. If you want to obtain a high-amount credit, you must prepare sufficient financial documents when applying for the card. Prove to the bank that your spending power and repayment ability are both great.
Bank of Communications Y-POWER credit card has UnionPay version and VISA version. Applicants must be between 18 and 30 years old, have a stable job, and have good credit report. Basically, they can succeed. Get it done.
The credit card limit is not a fixed value. The bank will lower the limit based on the credit conditions of the card applicant and the comprehensive score. If you want to obtain a high credit limit, you can prepare the following materials:
1. Proof of employment or income stamped with the official seal of the work unit;
2. Proof of salary card flow for three months, with the official seal of the bank;
3. Proof of large deposits;
4. If you own your own house, you can provide a real estate certificate;
What is the credit limit of Bank of Communications Y-POWER credit card? The more asset certification materials you submit, the credit limit issued by the bank is generally will be higher. If you want a higher limit, cardholders are advised to apply through the bank counter. Of course, if the limit requirement is not very high, you can click directly
What is the difference between the white card and the black card of Bank of Communications Y-POWER Credit Card?
There is no essential difference except that the colors of the cards are different. The business functions and credit limits are the same. \Y-POWER Credit Card is a dual-currency credit card specially created by Bank of Communications for young people. It has ultra-low cash withdrawal fees and ultra-high cash withdrawal limit, making it easy to save money in emergencies. \Card Features: Y-POWER has two unique card surface designs: Force Black and Vibrant White. Choose your own attitude and show off your splendor. Y-POWER, possible becomes possible. Y-POWER gives you strong backing, and strong strength comes from the heart. \Application conditions: \Main card applicant qualifications: Any individual who is over 18 years old, has full capacity for civil conduct, has a legal and stable source of income, and has good credit standing can apply to our card issuer with his or her valid identity document. Personal credit card master card. \Applicant qualifications for supplementary card: The principal cardholder of the personal card can apply for an supplementary card for the designated natural person with full capacity for civil conduct or a natural person with limited capacity for civil conduct who is over 15 years old. The applicant for the supplementary card is under 18 years old. , must obtain the consent of its legal representative. The principal cardholder shall bear all debts incurred by the supplementary card.
That’s it for the introduction of Bank of Communications Y Credit Card.