The "regulation" of banks charging over-limit fees has been widely questioned by cardholders. However, in the charging items announced by some banks recently, the "over-limit fee" of credit cards has gradually faded out.
According to the regulations of the central bank, banks can control the maximum amount of credit card spending at 1 10% of the approved amount. If the cardholder's approved amount is 10000 yuan, the maximum amount of credit card spending is 1 1000 yuan. If it exceeds 1 000 yuan, the bank will charge a certain percentage of the overrun fee. It is reported that at present, most domestic banks charge a 5% overrun fee.
The charging standard of credit card overrun fee of China Everbright Bank: when the proportion of principal owed by the account exceeds the current credit limit ≤ 15%, no overrun fee will be charged; When the principal owed by the account exceeds the current credit limit > 15%, the overrun fee will be charged according to the existing rules. The over-limit fee is charged at 5% of the over-limit, and deducted on the billing date.
Extended data:
Application conditions
1. All China citizens, foreigners living in China and compatriots from Hong Kong, Macao and Taiwan who have full capacity for civil conduct, legal and stable income and good reputation can apply for personal credit card MasterCard with their valid certificates. Note: the application card needs to be accompanied by work certificate, and other conditions are needed, including social security, good enterprises such as institutions, vehicles, houses, etc. , the specific phone number can be contacted.
2. The primary cardholder and the secondary cardholder share the same credit line; The cardholder of the primary card can set the usage limit of the secondary card within the credit limit; All transaction funds, corresponding interest and expenses of the secondary card are credited to the account of the primary card, and the cardholder of the primary card is fully responsible for the debts incurred under the primary card and the secondary card.
3. Enterprises, administrative institutions, social organizations and other economic organizations authorized by legal persons who open basic account in domestic financial institutions may apply for unit cards from card issuers with information such as the account opening permit issued by the People's Bank of China. To apply for a foreign currency unit card, you must also have a stable source of foreign exchange and an account that can legally control its foreign exchange.
Each unit can apply for several unit cards, and the cardholder qualification shall be designated or revoked in writing by the legal representative of the applicant unit or its entrusted agent. The applicant shall bear all debts arising from the unit card.
4. After receiving the credit card, the cardholder shall immediately sign the same signature in the signature column on the back of the credit card and use the same signature in the transaction, otherwise the cardholder shall be responsible for the losses arising therefrom.
Baidu Encyclopedia-China Everbright Bank Credit Card