What is the annual fee of Shenzhen Development Bank's credit card

Let's take Shenzhen Development Bank's smart car card as an example:

Annual fee for main card: 175 yuan for ordinary card

Free annual fee policy: Free annual fee for the first year, Free of the annual fee for the following year after 18 swipes

Cash advance limit: 5% of the credit limit

Interest-free period: 2 days to 5 days

Consumption verification method: signature and password

Revolving credit interest (daily interest): .5% per day

SMS notification fee for consumption: free SMS notification for consumption above 3 yuan

Minimum repayment. On 2th and 25th, the billing date cannot be modified

Online payment: when the phone is opened, you can choose different online payment methods, among which different payment methods have different limits. Scratch card: the daily limit is 5 yuan; Digital certificate and encoder: unlimited

How to apply for a credit card?

credit card processing methods are as follows:

1. Prepare materials. When you go to the bank to apply for a credit card, you must first prepare the corresponding processing materials, which generally include the original ID card, work certificate, income certificate, etc.

2. Go to the bank to get the number. After you have prepared the information, you need to choose a favorite bank outlet and go to the bank self-service number machine to get the number during working hours, ready to handle the business.

3. fill in the card processing information. Generally, after taking the number, you can ask the bank lobby manager how to fill in the information, and fill in the information according to the tips of the staff and the template provided by the bank. The required information is accurate and cannot be erased.

4. submit information. Fill in the corresponding information and wait until the bank counter calls. After you get the number, go to the counter and submit the information needed to apply for the card, waiting for the bank to review it.

5. Anti-audit. After receiving your review information, the counter staff will review the information according to the corresponding regulations of the bank to see if it meets the conditions for handling credit cards. If there is, it will pass the audit. If you can't do it, it will tell you why you can't.

6. Card issuing is activated. If the bank has already issued a card, the bank counter staff will send it to you in time and help you activate it. Since then, your credit card has been successfully processed.

Extended information:

1. Advantages and disadvantages of applying for a credit card:

(a) Benefits of a credit card:

1. You can enjoy an interest-free period of 2-56 days without deposit.

2. When shopping, you will get points as a gift.

3. Special merchants who hold cards in banks can enjoy preferential treatment.

4. accumulate personal credit, and credit records can be added to credit files.

5. You can withdraw money or swipe your card at ATMs and POS machines with UnionPay logo.

6. Some credit cards accept existing points.

7. Mail the statement free of charge every month.

8. supplementary card function, which can manage money together and master children's financial expenditure.

9. In the form of one card and two currencies, domestic RMB can be used for repayment when spending abroad.

the p>1-hour and 24-hour service hotline will take effect immediately if the loss is reported.

11. Cooperate with third-party platforms to provide preferential services for cardholders.

(2) Disadvantages of credit cards:

1. Credit cards can easily lead to excessive consumption.

2. The annual interest rate of credit card is higher.

3. Credit card debt will bring mental stress.

4. If the credit is bad, the cost of borrowing money will be higher, or even you can't borrow money.

Is it easy to apply for a deep credit card?

There is a saying that a credit card can be successfully applied to any bank as long as you provide sufficient application materials.

You should first go to the bank to ask for an application form and proof of salary, then stamp the company and provide the following information together with it, and then you can receive the credit card three to four weeks after returning it to the bank.

You must have a fixed job to apply for a credit card. When submitting the application form, make sure to attach the following necessary documents so that the bank can accept the application in time. And accurately evaluate the applicant's credit status

ID card: copy of ID card (military officer's card is required for soldiers). The main card applicant must be at least 18-6 years old

Salary certificate of the work unit: salary certificate that can be issued for the applicant's work unit (with the financial seal or official seal of the unit), a copy of work permit or a copy of work badge with my photo.

proof of financial resources such as business cards (optional but not necessary) is helpful for obtaining a higher credit line:

copy of self-owned property certificate

copy of original and copy of motor vehicle driving book

copy of fixed (live) deposit certificate

copy of education certificate, etc.

annual credit card fee free for life

1. Industrial Bank.

2. Industrial and Commercial Bank of China:

Peony Platinum Credit Card has accumulated 4 million points, and other credit cards will be free of annual fees for life as long as they have been used for ten years.

3. China Construction Bank:

Red Cross co-branded card and official card

4. China Merchants Bank:

Samsung and Olympic VISA small cards

These two cards are also free of annual fees for life, but unfortunately, the small cards are single-currency US dollar cards,

5. China Everbright Bank:

Beijing housing special maintenance fund card

6.

8. Shenfa Bank:

Shanghai Youth Card

If the cardholder chooses to use the credit card function, and is in the period of full-time students' study, and the extremely poor and outstanding young people recognized by the Communist Youth League Committee, the bank will be exempted from the annual fee, and if the debit card function is selected, the annual fee will not be charged;

9. Bank of Communications:

1. Agricultural Bank:

11. China CITIC Bank:

12. Huaxia Bank:

. You can get rid of the annual fee for life by paying the annual fee for the first year in 7 yuan.

13. China Postal Savings Bank:

14. China Bank:

15. Bank of Ningbo:

Details of credit card withdrawal fees of major banks

I believe many people will use credit cards to withdraw cash when they are extremely short of money or unable to turn around, right? Do you know the withdrawal fees of credit cards in major banks?

Some time ago, I used China Merchants Bank to withdraw cash, and as a result, I deducted a lot of fees, so I went to the Internet to pick up a complete collection of fees for credit card withdrawal, and I will share it with you here:

ICBC credit card withdrawal fees

local banks: free

local banks: 2 yuan/transaction

foreign banks: 1% of the cash withdrawal amount, with the lowest RMB 1 yuan/transaction and the highest 5 yuan/transaction. Maximum 5 yuan/transaction, plus an inter-bank handling fee for each 2 yuan

Agricultural Bank of China credit card withdrawal fee

Domestic bank: 1% of the withdrawal amount, minimum RMB 1 yuan/transaction

Domestic banks: 1% of the withdrawal amount, 2 yuan, minimum RMB 3 yuan/transaction

Overseas (UnionPay network): 1% of the withdrawal amount, 12 yuan

Overseas (not. Minimum USD 3/transaction (or equivalent)

Credit card withdrawal fee of China Construction Bank

Domestic: 1% of the withdrawal amount, minimum RMB 2 yuan/transaction, maximum 1 yuan/transaction

Overseas (UnionPay network): 1% of the withdrawal amount in 12 yuan, minimum RMB 14 yuan/transaction

Overseas (non-bank network): 3% of the withdrawal amount, Minimum USD 3/transaction (Euro3/transaction for European tourist card)

China Bank's credit card withdrawal fee

1. Great Wall Global Connect products (counter withdrawal)

Local Bank: free

Off-site Bank: 1% of the withdrawal amount, minimum RMB 1 yuan/transaction, maximum 5 yuan/transaction

Overseas (the Bank or non-UnionPay institutions, Minimum USD/transaction or 5 yen/transaction

2. Great Wall Global Link products (self-service terminal cash withdrawal)

Local bank: free of charge

Off-site bank: RMB 1 yuan/transaction

Local inter-bank: RMB 4 yuan/transaction

Off-site inter-bank: RMB 12 yuan/transaction

Overseas (bank or non-UnionPay institution): Minimum USD/transaction or 5 yen/transaction

Overseas (UnionPay): RMB 15 yuan/transaction

3. BOC series products (cash withdrawal over the counter)

Domestic Bank: 1% of cash withdrawal amount, minimum RMB 1 yuan/transaction

Overseas (Bank or non-UnionPay institution): 3% of cash withdrawal amount, minimum USD/transaction or 5. Minimum RMB 8 yuan/transaction

domestic interbank: 1% of the cash withdrawal amount, minimum RMB 12 yuan/transaction

overseas (the Bank or non-UnionPay institutions): 3% of the cash withdrawal amount, minimum USD/transaction or 5 yen/transaction

overseas (UnionPay): 1% of the cash withdrawal amount, minimum RMB 15 yuan/transaction

Bank of Communications credit card withdrawal fee < In addition, the inter-bank handling fee for each transaction in 2 yuan will be charged

overseas (UnionPay network): 1% of the cash withdrawal amount in 12 yuan, the minimum RMB 15 yuan/transaction

overseas (non-bank network): 1% of the cash withdrawal amount, and the minimum USD 5/transaction

domestic: 2% of the cash withdrawal amount, and the minimum RMB 2 yuan/transaction

.

Credit card withdrawal fee of China Everbright Bank

Domestic (RMB): 1% of the cash withdrawal amount, with the lowest RMB 3 yuan/transaction and the highest 2 yuan/transaction

Domestic (USD): 1% of the cash withdrawal amount, with the lowest USD 3/transaction and the highest USD 3/transaction

Overseas (UnionPay network): 1% of the cash withdrawal amount, with the lowest RMB. Up to $3/transaction

overseas (MasterCard, Visa): 1% of the cash withdrawal amount, with a minimum of $3/transaction and a maximum of $3/transaction

Credit card withdrawal fee of Minsheng Bank

Domestic bank: the minimum cash withdrawal amount is RMB 1 yuan/transaction

Domestic banks: 1% of the cash withdrawal amount, with a minimum of RMB 1 yuan/transaction

. The minimum cash withdrawal fee for each transaction is USD 3 or EUR 2 or GBP 2 or AUD 4 or CAD 4 or JPY 3

Domestic: 1% of the cash withdrawal amount, minimum RMB 1 yuan/transaction

Overseas: 3% of the cash withdrawal amount, Minimum RMB 3 yuan/transaction or US$ 3/transaction (American Express Card: US$ 5/transaction)

Credit card withdrawal fee of Guangfa Bank

Domestic (RMB card, dual-currency card): minimum RMB withdrawal amount 1 yuan/transaction

Domestic (US dollar card, Hong Kong dollar card): overseas (RMB card): 3% of cash withdrawal amount, minimum RMB. Minimum USD 5/transaction

overseas (HKD card): 3% of the cash withdrawal amount, minimum HK$ 4/transaction

overseas (dual currency card): 3% of the cash withdrawal amount, Minimum RMB 15 yuan/transaction or USD 3/transaction

Shenzhen Development Bank credit card withdrawal fee

1. Development credit card withdrawal fee

Domestic: minimum RMB 25 yuan/transaction

Overseas: RMB 4 yuan/transaction

2. Development international card withdrawal fee

Domestic: 3% of the withdrawal amount, Minimum USD 3 /

3. Withdrawal fee for platinum card and retail card

Domestic: minimum RMB 25 yuan/transaction

Overseas (UnionPay network): RMB 4 yuan/transaction

Overseas (VISA network): 3% of the withdrawal amount, minimum USD 5/transaction

Shanghai Pudong Development Bank credit card withdrawal fee

Domestic: Minimum 3 USD/transaction

Industrial Bank's credit card withdrawal fee

2% of the cash withdrawal amount, minimum RMB 2 yuan/transaction or 2 USD/transaction (regardless of different cities)

Shanghai Bank's credit card withdrawal fee

Domestic Bank: 2% of the cash withdrawal amount, minimum RMB 3 yuan/transaction or 4 USD/transaction

ATM machines of other banks in China (same city): RMB. Minimum RMB 3 yuan/transaction, maximum RMB 52 yuan/transaction

Overseas: 1% of the cash withdrawal amount, minimum USD 2/transaction

Bank of Beijing credit card withdrawal fee

Domestic: 1% of the cash withdrawal amount, minimum RMB 1 yuan/transaction

Overseas: 1% of the cash withdrawal amount, Minimum RMB 1 yuan/transaction or USD 2/transaction

Bank of Ningbo credit card withdrawal fee

Domestic: 2% of the withdrawal amount (minimum RMB 2 yuan/transaction for commercial cards

overseas (MasterCard counter): 3% of the withdrawal amount, minimum USD 1/transaction

overseas (MasterCard ATM): 2% of the withdrawal amount, minimum USD 3/transaction.

what information should I prepare for the credit card processing of Shenzhen Development Bank? When handling the credit card of Shenzhen Development Bank, the applicant needs to prepare relevant application materials. The materials required to apply for Shenfa Bank Credit Card mainly include the following contents:

1. A copy of the applicant's ID card (master card and subsidiary card);

2. Work certificate: a copy of the work permit/license with the name of the applicant's work unit, my name and photo, or the original work certificate issued by the personnel department of the unit;

3. proof of address (provide one of the following options): the original bills of water, electricity, gas, fixed telephone, etc. for the current residence period.

The credit line can be increased by providing the following information:

1. A copy of the applicant's house ownership certificate;

2. A copy of the applicant's annual automobile driving license;

3. A copy of the applicant's time deposit certificate of Shenzhen Development Bank;

4. A copy of the applicant's intermediate or above professional title or other professional qualification certificate;

5. Proof of the applicant's income: including a copy of the income tax withholding certificate, a copy of the salary passbook issued by the bank, the original payroll, etc.

note: usually, when the applicant's work place and domicile are both in cities with branches of our bank, we consider the applicant as a local domicile. However, if the applicant meets one of the following conditions, it can also be regarded as a local household registration:

1. The household registration place is not in the city where there are branches of our bank, but the work place is in the city where there are branches of our bank and there are more than 7 square meters of commercial houses (confirmed by the real estate license).

2. The domicile is not in the city where the branch of the Bank is located, but it has the residence permit for talents in the city where the branch of the Bank is located.

Applying for a Credit Card

The introduction of Shenfa Bank Credit Card and Shenfa Bank Credit Card Limit is over. I wonder if you can find the information you need from it.