Bank of China Credit Card is a Bank of China credit card. The specific annual fee charging standards are as follows:

The annual fee standards for Bank of China Platinum Credit Card are divided into two levels: 3,600 yuan and 800 yuan. The annual fee for specific products is You can also call our customer service center for consultation on fee charging standards. It will be charged annually starting from the first year the card is activated. If the cardholder cancels the card midway, the annual fee for that year will not be refunded.

Reason: Generally, these two credit cards are set cards with the same functions and can be used independently. If you look closely, you will find that one card has the common UnionPay logo in China, and the other is VISA, which is more widely used internationally. card or MASTER card.

As the world has been promoting the chip-based process of bank cards in recent years, and the UnionPay standard and the internationally accepted EMV standard cannot be integrated on one card, in order to facilitate users’ settlement at home and abroad, banks will issue Two types of credit cards. Users can use UnionPay cards to make purchases domestically, and Visa or MasterCard cards to make purchases abroad or make overseas purchases. Extended information

For credit card overdraft consumption transactions, our bank generally provides an interest-free repayment period of 20-50 days. If you repay in full before the interest-free repayment period, no overdraft interest will be charged. ; If you fail to repay in full before the interest-free repayment period, you will not enjoy the interest-free repayment period. Overdraft interest will be calculated based on the actual amount owed and the actual number of days in arrears from the transaction recording date. The overdraft interest rate is The daily interest rate is 0.5%, and compound interest is calculated monthly. For example:

Assume that Mr. Wang’s bill date is the 7th of every month, and the repayment due date is the 27th of every month. On January 3, 2012, a POS consumption transaction of 1,000 yuan was recorded, and on January 26, 2012, Daily repayment is 200 yuan. Then the interest displayed on the bill date of February 7th is as follows:

Consumption overdraft interest = 1,000 yuan × 23 days (note: the period from January 3 to January 26 is 23 days) × 0.0005 (1000-200 ) yuan