Are there any fees for applying for a credit card?

Basically, it is free. There will be no fees for applying for a credit card through any channel. However, there are also some special cards that require some fees, such as credit cards. Cost of production, expedited processing fee, etc.

Credit card charges generally include the following aspects: card annual fee, cash withdrawal fee, penalty fee, repayment interest fee, installment rate fee, if there is no credit card cash withdrawal, default, overdue, repayment and other operations No extra fees will be charged.

As for the annual fee of a credit card, according to relevant regulations, if the credit card is not opened or activated, the bank cannot charge the annual fee.

Sometimes even if the credit card has been activated, the annual fee can be waived, as follows:

1. For ordinary credit cards, most banks’ annual fees are free in the first year, and subsequent card swiping reaches the level of swiping. The annual fee for the following year will be waived.

2. For gold and platinum credit cards, the annual fee for some bank credit cards can be waived by redeeming points or reaching the number of card swipes. Users can carefully understand the annual fee collection issues for each level. If you do not understand, you can call customer service for consultation. In addition, some high-end credit cards such as platinum cards and AE cards are required to pay annual fees.

In short, users must have a clear understanding of credit card charges. If there are some unclear charges, you can ask customer service for details.

Extended information:

Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate).

Credit cards are divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the cardholder has a certain credit limit and can consume within the credit limit and then repay;

A quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve as required. When the reserve account balance is insufficient for payment, the card can be overdrawn within the specified credit limit. The so-called credit card generally refers to a credit card only.

Repayment methods:

The methods within the card-issuing bank include: card-issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. After repayment, the credit card limit will be restored immediately, and the payment will generally be credited to the account after the system processes it on the same day.

WeiBank POS mobile phone and WeiBank Tong POS mobile phone are a mobile financial system personal payment terminals that can be used to directly repay by swiping cards, as well as perform transfers and other services. Instant payment!

Transfer/remittance repayment is mainly divided into two methods: inter-bank inter-bank in the same city and inter-bank inter-bank in different places. Regardless of the method of transfer or remittance, the remittance bank will charge a certain fee. At the same time, the time it takes for the money to arrive and the convenience of repayment are not as good as intra-peer repayment, online repayment, convenience store repayment and other methods.

The more common domestic online platforms for online repayment include: UnionPay Online, Kuaiqian, Shengfutong, Alipay, Tenpay, etc. Depending on the platform and bank you choose, the charging standards and specific payment arrival time will be different.

This method of convenience store repayment is mainly completed through the "Lakala" smart payment terminal installed in the convenience store. Generally, the payment time takes 2 to 3 working days. At the same time, using this There is no handling fee for repayment.

Counter repayment counter refers to bank cards issued by various networked financial institutions, which can be used to conduct RMB current deposit and withdrawal transactions through the counters of other bank branches registered in the UnionPay exchange center host system.

The "Xinpaytong" smart credit card phone for repayment is an innovative electronic product independently developed by China UnionPay, certified by the Bank Card Testing Center, and supported by financial services provided by China UnionPay's inter-bank information exchange network.

Use "Repayment Tong" to make repayments, and the fees are generally charged according to the fee standards for intra-city inter-bank transfers and long-distance inter-bank remittances stipulated by the local People's Bank of China.

Other methods In addition to the methods mentioned above, card issuers have also opened their own unique repayment methods in order to facilitate cardholders' repayment.

The specific charge amounts for Bank of China credit cards

The annual fee charging standards for Bank of China credit cards are as follows:

(1) BOC/Great Wall Global Connect series products: -Personal card: Regular card: up to RMB 100/card; theme card: up to RMB 280/card; gold/titanium card: up to RMB 300/card;

(2) Platinum card: up to RMB 800 RMB/card;

(3) High-end card: up to RMB 8,800/card;

(4) Business card/organization card: up to RMB 360/card;

Among them, annual fees for credit cards such as wages, pensions, subsistence allowances, medical insurance, unemployment insurance, and housing provident funds are waived; annual fees for credit cards such as official cards of central and local budget units are waived.

You can make inquiries through the official website of Bank of China ()--Bank Card--Service Guide--Card Application Guide--Bank of China Credit Card Service Fee Price List.

The above content is for your reference, please refer to actual business regulations.

If you have any questions, please feel free to consult Bank of China’s online customer service.

You are sincerely invited to download and use Bank of China Mobile Banking APP or Bank of China Cross-border GOAPP to handle related businesses.

How to charge the annual fee for Bank of China credit card? Is there any annual fee exemption?

Standards for charging annual fee for Bank of China credit card:

(1) Bank of China/Great Wall Global Connect Series products: -Personal cards: regular card: up to RMB 100/card; theme card: up to RMB 280/card; gold/titanium card: up to RMB 360/card;

(2 ) Platinum card: up to RMB 800/card;

(3) High-end card: up to RMB 3,600/card;

(4) Business card/organization card: up to RMB 360 Yuan/card;

You can check it through the official website of Bank of China ()--Bank Card--Service Guide--Card Application Guide--Bank of China Credit Card Service Fee Price List.

During the year in which the credit card is used, if the accumulated card consumption of this account in the current year meets the following conditions, the annual fee for the current year can be reduced or exempted, except for special cards:

1. Personal Gold Card is exempt from the first year. The annual fee will be waived for the following year if you make 5 transactions; the annual fee reduction policy for supplementary cards is the same as for the main card;

2. New Platinum Card customers from 2017 to 2018 will be exempted from the first-year annual fee. Old customers and new customers will be exempted from annual fees. In the following year, the annual fee needs to be waived for 12 transactions of 20,000 yuan or more, or 100,000 transaction points can be used to redeem the annual fee; the annual fee reduction policy for supplementary cards is the same as for the main card.

3. All-currency international chip series gold, regular and platinum credit cards: annual fee is waived when applying for a card before December 31, 2018.

The above content is for your reference, please refer to actual business regulations.

If you have any questions, please feel free to consult Bank of China’s online customer service.

You are sincerely invited to download and use Bank of China Mobile Banking APP or Bank of China Cross-border GOAPP to handle related businesses.

How to charge the annual credit card fee?

1. According to the regulations of Bank of Communications Credit Card Center, Bank of Communications credit card annual fee charging standard:

1. Platinum Card: Currently, the annual fee of Bank of Communications Platinum Card will be charged on the third day after the account is activated. Charged on one billing day.

2. Non-Platinum Card: The current annual fee policy of Bank of Communications credit cards is to waive the annual fee in the first year. If you swipe the card 6 times in the same year, you can be exempted from the annual fee in the next year.

Note: If the Bank of Communications credit card annual fee collection policy is adjusted, it will be notified through the website, bill and other channels. Card applicants are requested to pay attention to the notice at that time.

2. According to the current policy of Bank of Communications, if the account of the newly issued card is not activated, the annual credit card fee will not be charged. However, other cards, such as card renewal upon expiration, card replacement after reporting loss, and remade card, are waiting for activation. For the card, the annual fee will remain the same as the previous card.

Since October 1, 2017, Bank of Communications has implemented a new platinum card annual fee preferential policy for high-end personal customers. The details are as follows:

1. Bank of Communications private banking customers The first platinum card under your name as the main card will be exempted from the basic annual fee of the platinum card during the validity period. Private bank customers who renew the card and meet the standard will continue to be exempted from the basic annual fee during the validity period. Private bank customers who do not renew the card and do not meet the standard will be charged half the basic annual fee, that is, 500 yuan. /Year.

2. The first platinum card principal card under the name of Bank of Communications Ward Financial Management customers is exempted from the basic annual fee of the platinum card in the first year. From the next year, the basic annual fee of the platinum card is reduced by half, that is, 500 yuan/ Year.

3. Bank of Communications private banking customers and Ward Financial Management customers apply for multiple platinum card principal cards. Starting from the second platinum card principal card, a basic annual fee of 1,000 yuan per year will be charged according to the standard for general customers; if If the first platinum card is canceled, the customer can designate another platinum card under his or her name to continue to enjoy the annual fee discount of Private Banking Ward.

Extended information:

1. The calculation formula of the minimum repayment amount is as follows:

Minimum repayment amount = 10 consumption balance 10 cash withdrawal balance interest balance other payables The balance of the fee is the unpaid portion of the minimum repayment amount of the previous period

1. Bank of Communications adopts the revolving credit interest calculation method

Revolving credit: Revolving credit is a small, Unsecured loans. You can decide the repayment amount according to your own financial situation every month before the due date of the current credit card bill.

When the amount you repay is equal to or higher than the minimum payment amount of the current bill, but lower than the amount due in the current period, the remaining deferred payment amount is the revolving credit balance.

2. Revolving credit interest rate:

The revolving credit interest rate is uniformly stipulated by the People's Bank of China, with a daily interest rate of 5/10,000 and compound interest calculated on a monthly basis.

3. Calculation of interest on revolving credit:

The amount of each consumption in the previous period's statement is the interest-bearing principal, from the date when the account is recorded to the date of the account The date of repayment is the number of days for interest accrual, and the daily interest rate is 5/10,000. Interest on the revolving credit will be shown on your next bill.

2. Repayment through the Bank’s channels:

1. Automatic repayment by the Bank’s debit card

2. Self-service repayment by the Bank’s debit card ( Online banking, mobile banking, telephone banking)

3. Electronic transfer and repayment of our bank’s debit card

4. Automatic inter-bank repayment of other banks’ debit cards

5. Inter-bank self-service repayment with debit cards from other banks (online banking, mobile banking)

6. Cash repayment at our bank’s business outlets

7. Automatic deposits from our bank Machine cash repayment

3. Third-party payment platform repayment:

1. Kuaiqian repayment

2. Alipay repayment

4. Tenpay repayment

4. Repayment through other channels:

1. UnionPay ATM machine inter-bank transfer repayment

2. Other banks Debit card electronic channel transfer repayment

Baidu Encyclopedia - Bank of Communications Credit Card

How is the credit card annual fee charged?

The credit card annual fee refers to the number of A fee that a person has to pay to the bank during the use of a credit card. Generally, the annual credit card fee starts after the cardholder activates the credit card and is charged annually. Different credit card levels have different annual fee charging standards; different card issuing banks have different annual fees.

Generally, the annual fee for a regular card is 100-150 yuan; the annual fee for a gold card is 300-500 yuan; and the annual fee for a platinum card is often more than 1,000 yuan.

Credit cards refer to various media that record cardholder account information, have bank credit lines and overdraft functions, and provide cardholders with related banking services.

Main features of credit card:

1. Credit card is one of the fastest growing financial services today. It is an electronic currency that can replace traditional cash circulation within a certain range. ;

2. Credit cards have both payment and credit functions.

Cardholders can use it to purchase goods or enjoy services, and can also obtain certain loans from card issuers by using credit cards;

3. Credit cards are high-tech products that integrate financial services and computer technology.

4. Credit cards can reduce the use of cash;

5. Credit cards can provide settlement services, facilitate shopping and consumption, and enhance a sense of security;

6. Credit cards It can simplify the collection procedures and save social labor;

7. Credit cards can promote product sales and meet social needs.

Main types

According to different card issuers, they can be divided into bank cards and non-bank cards

Bank cards. This is a credit card issued by a bank. Cardholders can shop at the card-issuing bank's special merchants, and can also withdraw cash at any time at any branch of the card-issuing bank or at places with ATMs.

Non-bank card. Such cards can be specifically divided into retail credit cards and travel and entertainment cards. Retail credit cards are credit cards issued by commercial institutions, such as department stores, petroleum companies, etc., which are specially used for shopping in designated stores or refueling at gasoline stations, etc., and are settled regularly. Travel and entertainment cards are credit cards issued by the service industry, such as airlines, travel companies, etc., used for purchasing tickets, meals, accommodation, entertainment, etc.

According to the different objects of card issuance, it can be divided into corporate cards and personal cards

Corporate cards. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, national party and government agencies, military units, groups and other legal entities.

Personal card. Personal cards are issued to urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable sources of income. A personal card is applied for in the name of an individual and he/she bears all responsibilities for using the card.

According to the credit status, status and other credit conditions of the cardholder, it can be divided into ordinary cards and gold cards

Ordinary cards. Ordinary cards are issued to cardholders with average financial strength, credibility and status, and their various requirements are not high.

Gold Card. A gold card is a high-end credit card that pays high membership fees and enjoys special benefits. Cards are issued to those with higher credit standing, stronger repayment ability and credit, or those with a certain social status. The authorization limit of the gold card starts from a higher level, and the additional service items and scope are much wider, so the requirements for relevant service fees and security deposits are also relatively high.

This is the end of the introduction about how is a credit card charged and how much is a credit card charged? Have you found the information you need?