1. Is the credit card limit of Huarong Xiangjiang Bank high?
Huarong Xiangjiang Bank's credit cards mainly include three levels of credit card products: general card, gold card and platinum card, and the credit lines of different levels of credit cards are different. Under normal circumstances, Huarong Xiangjiang Bank's Puka credit card can reach a maximum of 2, yuan; The maximum amount of gold card credit card is 5 thousand yuan; The maximum credit limit of Platinum Card is 5, yuan. Judging from the maximum credit card limit, Huarong Xiangjiang Bank has a relatively high credit card limit. However, when applying for a credit card, in fact, the credit limit of the credit card is mainly determined by the qualification of the applicant. The better the general qualification, the higher the credit limit of the credit card.
2. How many days is the grace period for credit card repayment of Huarong Xiangjiang Bank?
Huarong Xiangjiang Bank provides users with a 3-day repayment grace period by default, during which the corresponding interest and liquidated damages are exempted, and no overdue records will be uploaded to the credit information. Counting the repayment date, the user has four days to repay. As long as the repayment funds reach the credit card account on any day of these four days, it is deemed that the user has repaid on time. Therefore, even if the user forgets to repay the loan on the repayment date, as long as the loan is repaid within the grace period, the personal credit can also be effectively maintained.
Huarong Xiangjiang Bank's annual credit card fee. Puka: main card 4 yuan/card, supplementary card 2 yuan/card; Gold card: main card 8 yuan/card, supplementary card 4 yuan/card; Platinum Card: 1 yuan/Card as the main card and 5 yuan/Card as the supplementary card, with preferential annual fees. The annual fee is exempted in the first year, and the annual fee is exempted in the following year if you swipe your card for three times. The handling fee for cash withdrawal of Huarong Xiangjiang Bank's credit card is 1% of the cash advance transaction amount in China, the lowest in 2 yuan, and 1% of the cash advance transaction amount outside China, the lowest in 12 yuan. Overpayment is free of charge.