Hua Xia Bank Titanium Card Annual Fee and Annual Fee Waiver Policy
Hua Xia Bank Titanium Credit Card Series is a high-end credit card above gold card. If it can be approved, the limit will not be low. The maximum is RMB 200,000, and free 72-hour card loss protection is provided to avoid losses from non-person transactions. So what is the specific annual fee? What are the points rules and benefit features?
Cash withdrawal ratio: 30 Interest-free period: 25 days - 55 days
Points policy: 1 yuan spent and withdrawn in cash earns 1 point, and 1 US dollar spent in cash earned 7 points
Annual fee policy: The annual fee for the first year is waived. If you make five or more purchases or cash withdrawals in the first year, you will be exempted from the annual fee for the following year.
1. SMS notifications for Hua Xia Bank credit card transactions are completely free
2. Hua Xia Bank credit cards can enjoy 120 hours long pre-loss protection service
3. You can call the customer service hotline 40066-95577 or activate your Hua Xia Bank credit card through the official website or mobile phone text message
4. You can repay the Hua Xia Credit Card through Hua Xia outlets, self-service equipment, online banking, Alipay, etc.
Extended reading
How about Huaxia Credit Card_Is it easy to pass Huaxia Credit Card?
How about Huaxia Credit Card? Is it easy to get Hua Xia Credit Card? 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.
How about Hua Xia Bank Card?
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. 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. ”
Hou Ping said that according to the “Easy Turnover” plan, banks can transfer funds based on the customer’s authorization to repay consumers’ accounts repayable. The “Big Borrow and Small Repay” installment benefits can make holders Cardholders can choose any large consumption transaction within three months of opening the card and enjoy zero interest and zero handling fee installment payment benefits. The "risk-free" policy provides cardholders with a unique 72 hours before reporting the loss of the card. Risk protection services. These functions give consumers more benefits, financial control space and higher security.
Hua Xia Bank Credit Card Center has cooperated with MasterCard to launch China’s first high-end titanium credit card. Gold Credit Card is the first of its kind in China’s credit card market.
In addition to having a higher credit limit and more flexible and convenient financial functions than gold cards and ordinary cards, the Titanium Card also provides customers with the "Health Exclusive" VIP Medical Plan, the "Safe Journey" high-limit protection plan, and the " Value-added services such as “Only What You Need” thoughtful financial services meet the needs of financial consumers in the current market for quality of life services and personalized services.
The competition in the credit card market is intensifying. In order to meet the market challenges and win the market, Hua Xia Bank has given Hua Xia Credit Card many value-added services, which reflects the thoughtfulness and humanity of Hua Xia Credit Card in terms of services. It is because of these unique and differentiated services that industry insiders say this card will soon become one of the most distinctive financial products in the Chinese market.
Is it easy to pass the HuaXia Credit Card review? What conditions need to be met to apply?
1. Basic age requirements. Applicants must be over 18 years old, have full civil capacity, and hold a valid identity document.
2. Working conditions are also one of the requirements. Applicants must have a stable job and income. A stable job allows the bank to ensure that the applicant has the ability to pay off the credit card account.
3. A good personal credit report. Cardholders with credit cards should all know the importance of personal credit report in life. A good personal credit report is helpful for borrowing, applying for a credit card, raising a limit, etc. is useful.
4. You can also apply for a Hua Xia Bank credit card by card. If you hold a credit card from another bank, you must ensure that the credit card has been used for more than 9 months. In addition, you must have good repayment habits. Provide social security certificate.
What is the limit of Hua Xia Titanium Credit Card? The top cards have high limits and great benefits
Hua Xia Bank credit cards can be divided into regular cards, gold cards, platinum cards, titanium cards, etc. according to the card level. , among which titanium cards are high-end credit cards, including Huaxia Titanium Credit Card and Huaxia Titanium Beauty Credit Card. So, what is the limit of Huaxia Titanium Credit Card? You might as well take a look below.
Hua Xia Titanium Credit Card is Hua Xia Bank’s first MasterCard dual-currency titanium credit card in China. This card has a unique TITANIUM card shape design and smooth metal lines, highlighting excellent taste.
The titanium credit card limit issued by Hua Xia Bank is generally within 200,000 yuan. Of course, the specific credit limit is determined by the bank based on the applicant's various credit conditions. If your credit conditions are average and the bank is unwilling to lose customers, the minimum amount of the card issued will be more than 20,000 yuan.
In addition, the annual fee of Hua Xia Titanium Credit Card is 380 yuan/year. The annual fee is directly waived in the first year when the card is approved. If the cardholder makes five or more consumption or cash withdrawal transactions in the first year, the annual fee will be waived for the following year. fee.
If Huaxia Titanium Credit Card cardholders encounter difficulties in repaying their bills that month, they can choose to repay with the minimum repayment amount, which is as low as 5% of the bill amount every month, and 10% for the first month only, which is easy Solve repayment problems.
What is the general limit of Hua Xia Bank Titanium Card?
Hua Xia Titanium Card is a top-level card, and the limit is generally relatively high. The applicant needs to provide detailed financial proof and relevant car and property certificates. Hua Xia Titanium Card Titanium credit cards also have many rights and benefits, depending on the maximum credit limit of the approved card:
The maximum credit limit of Hua Xia Bank Titanium Card is RMB 200,000. The Hua Xia Bank Titanium Card can transfer funds based on the cardholder's authorization and repay the cardholder's accounts repayable from other credit cards; it can provide zero interest and zero fee installment payment for large-value consumer transactions; it can provide 72 hours before reporting a loss. The card loss risk protection service means that the cardholder is responsible for the losses caused by non-person swiping the card within 3 days before reporting the loss.
Examples of Hua Xia Bank Titanium Card line merging:
Before the Hua Xia Bank Titanium Card line merging, customer A’s credit limit was 10,000 yuan and the installment limit was 5,000 yuan, of which the credit limit was 10,000 yuan. Yuan can be used for transaction processing such as consumption, cash withdrawal, and pre-authorization. The installment limit of 5,000 yuan can be used for transaction processing such as flexible installment, easy turnover, large loans and small repayments.
After the merger of Hua Xia Bank Titanium Card credit limit, customer A’s credit limit = original installment limit (5,000 yuan) original credit limit (10,000 yuan) = 15,000 yuan, consumption, cash withdrawal, flexible installment, large borrowing and small repayment All transactions are within this limit.
Extended reading
Hua Xia Bank cash withdrawal lottery-get iPadmini
Is Hua Xia Bank Titanium Beauty Credit Card good?
--Card Introduction
Huaxia Titanium Beauty Credit Card——It has a unique elegant design, combines strong financial strength and humanized distinguished services, allowing you to enjoy all the benefits. Location security and rich and fashionable considerate benefits. The basic functions of Beauty Card include repayment, loss reporting, hotline services, value-added services and other functions. It provides comprehensive financial support, matches fashion style, and satisfies a charming life.
--Card tariff
Flexible installment rate
Note:
1. The exclusive installment rate is only applicable to the selected year Titanium Beauty Credit Card principal cardholders who enjoy the exclusive fee plan 1, 2 or the "Exclusive Flexible Installment Fee for Titanium Beauty Credit Card" paid value-added service.
2. The number of periods you can choose are 3, 6, 9, 12, 15, 18, 21 and 24. The principal payable in each period = total installment consumption/number of periods, accurate to cents, rounded off. The amount will be adjusted in the last period based on the total amount and the principal repayable in each period. The handling fee payable in each installment = total installment consumption × interest-free and handling fee
If you pay RMB 100, you can enjoy six interest-free and handling fee-free flexible installments with a consumption amount of up to RMB 10,000.
High card loss protection
Pay 20 yuan per year, and you can enjoy card loss protection up to the credit limit (the upper limit is 200,000 yuan)
--Card Features
1. Card loss protection, super long 120 hours
Hua Xia Credit Card provides you with the industry's longest card loss protection service of 120 hours before reporting loss. The Hua Xia Elite Platinum Credit Card has a maximum card loss protection of RMB 100,000, the Titanium Beauty Card has a card loss protection of up to RMB 50,000, the Platinum Card, Titanium Card, Changxing Hua Xia Credit Card has a card loss protection of up to RMB 30,000, and the Gold Card has a maximum card loss protection of RMB 30,000. The maximum card loss protection is RMB 10,000.
2. Supplementary card limit, free to adjust
You can set the credit limit for the supplementary card independently. You can share the same credit limit with the main card***, or you can set it on the main card. Set the limit you think is appropriate within the card limit. The limit for additional cards is set by you!
3. Password signature, any combination
You can set up "signature by signature" or "sign by password" according to your own needs for card consumption, and you can use 24 at any time. Hourly customer service hotline or online banking to modify the transaction verification method.
4. SMS notification, real-time control of transactions
You can choose the SMS notification service to keep track of the transaction status at any time, and receive transaction SMS reminders instantly.
5. Abnormal transactions, full-time monitoring
Whether you are at home or abroad, Huaxia Credit Card provides you with full-time monitoring of abnormal transactions. Understand the risks and take precautions before they happen!
That’s it for the introduction of Huaxia Titanium Credit Card.