Credit card annual fee: unconditional annual fee exemption;

Credit card consumption reminder SMS fee: SMS fee is free;

Card replacement fee: credit card replacement fee: no card replacement fee;

Credit card loss reporting fee: temporarily exempt from loss reporting;

Credit card overdraft interest: calculated according to the overdraft days, the credit card consumption amount is 0.5‰, with compound interest on a monthly basis.

Liquidated damages for overdue repayment: 5% of the total unpaid amount, calculated according to the minimum monthly repayment amount without interest, with a minimum of 1 yuan.

First aid service fee: 20 yuan/time. If the cardholder requests to reset the password envelope or change the card urgently, the handling fee will be charged according to the regulations.

Handling fee for reissue of credit card bill: each 5 yuan. After the bills of the last three months are reissued free of charge, the remaining bills will be charged extra.

Fast credit card issuance: 50 yuan.

Whether to charge an annual fee for reporting the loss of a credit card depends on the situation:

1. After the loss is reported, the new card still needs to be reissued and an annual fee will be charged. After the new card is reissued, all the debt information of the old card will be transferred to the new card. If the annual fee is not deducted from your old card, and the annual fee exemption conditions are not enough, the annual fee will be deducted from the new card after replacement.

2. No new card will be issued after the loss is reported, and no annual fee will be charged. Only report the loss once, the credit card has been frozen, and no fees will be incurred.