The worry-free service of Bank of Communications is a value-added service, which provides cardholders with a more convenient credit card experience. The fee charged for the service is 4 yuan per household per month, which is deducted according to 12 yuan per household every three months. Deduction is generally made on the day after the service subscription date, and is included in the current credit card statement, which needs to be repaid normally within the repayment period shown in the bill.