What is the annual fee for a Bank of Communications credit card? How many times in a year is it free?

1. The annual fee charging standards for Bank of Communications credit cards are completely consistent. The current The charging standards are:

Gold card main card: RMB 200 per year, gold supplementary card: RMB 100 per year; regular card main card: RMB 140 per year, main card supplementary card: RMB 70 per year.

2. The annual fee for Bank of Communications credit cards is waived in the first year (except for platinum cards). After that, the annual fee for the next year can be waived by swiping the card six times a year. Alipay recharges also count the number of purchases.

3. If you have not opened a Bank of Communications credit card, the annual fee will be waived in the first year, and the annual fee will be charged in the second year. Therefore, if you have an unopened Bank of Communications credit card, please cancel it in time.

Bank of Communications Credit Card is a credit brand product jointly launched by Bank of Communications and HSBC. Its user positioning is "a group of people who have ideals and pursuits in life and career, know how to enjoy, and are more willing to struggle. Sometimes there are people who want to study, do business, research or travel abroad.

The Bank of Communications Credit Card is also a group of people with high living standards who are willing to try new consumption habits. "The Bank of Communications Pacific Credit Card is an advanced product introduced by Bank of Communications. The credit card product created by technology and management, which brings together the dual advantages of global and local, takes "Global Card for Chinese" as its theme, advocates a new consumer culture and card use experience, and provides preferential benefits all over the world. and attentive service.

Reference link: Baidu Encyclopedia_Bank of Communications Credit Card

What do the charges for "worry-free card use" and "credit protection" of Bank of Communications Credit Card mean?

1. Worry-free card use is a text message reminder service, which means that you will be notified by text message of every transaction. This is 12 yuan for three months.

2. Credit protection will remind you of the repayment date multiple times. If you forget to repay the money on the last repayment date, you can extend it for two days without penalty. I personally think this is not very useful, especially if you It is automatic repayment or regular monthly repayment. This 9 yuan can be saved.

Supplementary information:

1. The cost of worry-free card use is 4 yuan/month, and a one-time service fee of 12 yuan is charged every 3 months. If you don’t want it, you can call customer service to cancel, and you can save the 9 yuan.

2. If you use the card a lot and sometimes fail to swipe it once and swipe it multiple times, and you don’t have to worry about the card being stolen or not knowing, it is enough. You will be reminded on your mobile phone every month. Pay off the loan in one go, so you know exactly how many fees have been deducted.

3. You can sign up for a free version of credit protection online, which is about 25 days from the billing date. I personally think this is not very useful. If you are worried about security issues, it is good to open it. If your final repayment date is If you forget to pay back the money, you can get a two-day grace period without penalty of interest.

What are the charging standards for Bank of Communications’ credit protection services?

The current credit protection service is 3 yuan/month/user, which is deducted at 9 yuan/user every three months (annual payment of credit protection is 33 yuan/year/user), which is unified on the service subscription date. The payment will be deducted the next day and recorded in the current credit card statement, and the cardholder will repay normally within the repayment period shown on the statement; if the cardholder does not cancel the subscription before the expiration of the service period, the service will be automatically renewed ( All card accounts under the cardholder's name are in an abnormal state and cannot carry out normal transactions when any service period expires). During the service period, if the cardholder cancels the subscription, the service fee collected will not be refunded, and the service will be provided until the end of the ordered service period. The credit protection service fee is charged on a per-user basis. If you hold multiple main credit cards, after you activate the credit protection service on any card, all cards under your name will enjoy the credit protection service.

To inquire and switch on credit protection services, please click here, select the card you want to operate, and then click "Value-added Services".

How to cancel the 9 yuan monthly payment for Bank of Communications credit card?

Cancellation can be done through a variety of ways.

1. If you have opened online banking, use the SMS password to log in to the credit card page. You can cancel it in the value-added service item, but the service fee that has been deducted is not refundable.

2. Go to the Bank of Communications counter to cancel.

3. Cancel online. You can cancel the credit protection service through the official credit card mobile website, online banking, telephone banking and other channels. If canceled within the service period, the fees collected will not be refunded.

What does the Bank of Communications credit card value-added service fee mean?

The Bank of Communications credit card value-added service fee refers to the time when the user enjoys the relevant value-added services after ordering the relevant value-added service items listed on the official website of the Bank of Communications credit card. Fees charged by banks.

Bank of Communications credit card value-added services are specific services provided by Bank of Communications to credit card users in addition to basic services, including automatic enjoyment, peace of mind, worry-free card use, credit protection and credit protection.

1. Automatic benefits: Five categories of automatic text messages are provided for free, without signing a contract, and can be automatically enjoyed with thoughtful reminders, including automatic text messages during the application process, automatic text messages for limit adjustment, automatic text messages for account reminders, and card services. Automatically receive text messages and operation instructions.

2. Enjoy peace of mind: understand the card usage status through text messages, free text message reminders for single consumption transactions of ￥1500 (inclusive)/$100 (inclusive) and above, and free text message reminders for bills once a month.

3. Worry-free card use: instant transaction SMS reminders, plus 96-hour protection against lost or stolen cards. The service fee is 4 yuan/household/month, which is deducted at the rate of 12 yuan/household every three months. .

4. Credit protection: You can automatically enjoy the accounting SMS service after three repayment SMS reminders. Credit certificates are issued for free, and credit accident insurance is included. The service fee is 3 yuan/household/month, charged for every three 9 yuan/household deduction per month.

5. Brush De Bao: Send reminders of available points and reminders of points about to expire to cardholders in the form of mobile phone text messages. Comes with double accident insurance. The charging standard is 6 yuan/household/month. , deducted at 18 yuan/household every three months.

Extended information:

According to the "Terms and Details of Bank of Communications Platinum Credit Card Value-Added Service Project"

1. Value-added services include basic value-added services and optional value-added services. The specific service rules are subject to the official website of Bank of Communications Credit Card.

2. Basic value-added services are services that all cardholders can enjoy. Their validity period is consistent with the Platinum Card annual fee cycle. Some basic value-added services have restrictions on the number of times they can be used during the validity period. Please refer to each item for details. The terms and conditions of service shall prevail.

3. To enjoy the optional value-added services, the cardholder must pay additional fees in cash. Some of the optional value-added services can be ordered by using points to offset the additional fees.

4. When the cardholder orders the optional value-added services, the cardholder is deemed to have authorized Bank of Communications to deduct the corresponding additional fees from his or her Platinum Credit Card account, and agrees that during the use of the optional value-added services, Comply with the specific terms and usage rules of each service.