The repayment grace period of Hua Xia Bank credit card is three days. If the credit card holder cannot repay the minimum repayment amount within the specified repayment period, then as long as the card holder can repay the amount when due, If you pay the minimum repayment amount before 19:00 on the third day after the payment date, it will be regarded as repayment on time and will not be regarded as overdue.
The repayment grace period provided by Hua Xia Bank does not require credit card holders to actively apply. Hua Xia Bank will extend it by itself.
Due to the recent impact of the epidemic, those credit card holders who have temporarily lost their source of income, as well as medical staff and government workers who have participated in epidemic prevention and control work and are inconvenient to repay their loans, Huaxia The bank has also arranged differentiated repayment financial service measures. These people can contact the staff of Hua Xia Bank to register.
Hua Xia Bank officially issued Hua Xia Credit Card on June 18, 2007. Hua Xia Bank's first series of credit cards are divided into three types: ordinary card, gold card and titanium card. In terms of product function design, Hua Xia Credit Card has launched a number of innovative functions and services; in terms of credit card limit, repayment period, interest-free policy, etc. There is something innovative. The issuance of Hua Xia Credit Card is a major progress in the strategic cooperation between Hua Xia Bank and Deutsche Bank. It also marks Hua Xia Bank's first entry into the Chinese credit card market.
At the press conference, Hua Xia Bank President Wu Jian told reporters: "The first Hua Xia Credit Card fully integrates various resources such as domestic and overseas branches, customers, merchants, management, and technology of the two banks. In China With the strong support of UnionPay and MasterCard International, the Huaxia Credit Card launched this time will focus more on creating core value for consumers.
It is understood. , this is Hua Xia Bank’s first involvement in the credit card business since its establishment in 1992. Hou Ping, CEO of Hua Xia Bank Credit Card Center, told reporters: “Hua Xia Credit Card has fully considered differentiated needs in product function design. It is hoped that through the unique functions provided by Hua Xia Credit Card, cardholders can enhance their financial control power and meet higher-level financial needs. These features are innovated by combining internationally advanced financial product concepts with the actual needs of local Chinese consumers, such as ‘easy turnover’, ‘large loans and small repayments’, ‘risk-free’ and other innovative product functional designs. ”
On October 23, 2007, Huaxia Titanium Credit Card was shortlisted for the 11th “Best Financial Card Award” of the International Card Manufacturers Association (ICMA) in 2007. CITIGROUP also won this honor. (Citibank), Scotiabank. This is the first time that a Chinese credit card has been shortlisted for this international award in its 22 years of existence.
How to apply? Anyone who is over 18 years old and has full civil rights. Individuals who are capable of acting, have legal and stable sources of income, and have good credit standing can apply to the Hua Xia Bank card issuer for a personal credit card master card with their valid identity documents.
Supplementary card applicant qualifications Personal card master. Cardholders can apply for supplementary cards for their designated natural persons who have full capacity for civil conduct or are over 15 years old and have limited capacity for civil conduct. If the applicant for the supplementary card is under 18 years old, he must obtain the consent of his legal representative. Agree. The main cardholder is responsible for all debts incurred by the supplementary card. Compatriots from Hong Kong, Macao and Taiwan do not need to pay a deposit, and can apply under the same conditions as mainland residents.