SMART card is "Smart" card, and SMART credit card is a special credit card created by Hua Xia Bank for young people. The annual fee for Hua Xia Bank SMART Credit Card is 200 yuan, and the first-year annual fee is waived. The annual fee for the next year is waived by swiping the card 5 times; the interest-free period is up to 56 days; the credit limit is 0-50,000; the cash withdrawal limit is 30% of the credit limit. There is no handling fee for unlimited times, but when applying for a card, you need a bachelor's degree or above to apply.

Cardholders who have activated the Hua Xia Smart Credit Card for more than one year can apply for an exclusive credit report based on their own needs. This report is formulated based on your use of the credit card within one year and records your credit growth. road. After activating and using Hua Xia Smart Credit Card, you can join the limit growth plan. The bank will regularly review cardholders who meet the conditions, and the limit can be increased after passing the review.