1. How to change the credit card of Bank of Communications?
Before the expiration of the validity period of the Bank of Communications Credit Card, the staff of the Bank of Communications Credit Card Center will comprehensively evaluate the cardholder's card usage records. If the cardholder's card usage record is good, Bank of Communications will contact the cardholder about one month before the expiration to ask if a new card is needed. The new card will be consistent with the original card in terms of quota, function and points. After the new card is activated, the old card becomes invalid (after the old card expires, even if the new card is not activated, the old card becomes invalid). After the expiration of the old credit card, if the Bank of Communications continues to issue this card type, it will issue the same card type to the cardholder; If the issuance has been stopped, the same type of credit card will be mailed after consultation with the cardholder. It should be noted that when the cardholder receives a phone call from Bank of Communications asking whether to change the card, if the permanent address is inconsistent with the address at the beginning of the card application, the card receiving address must be updated in time to avoid losing the new card.
2. What is the advance cash of the credit card?
"Cash advance" is a standard service provided by credit card products, and cardholders can get cash by withdrawing cash or transferring money within a certain credit card limit. The withdrawal amount is the withdrawal amount of your credit card, which is set according to the usage of your card. It is included in the credit limit of credit card, which is generally 50% of the credit limit, and the withdrawal amount of Bank of Communications Y-power card /MORE card is 100% of the credit limit. In the past, after cash withdrawal by credit card, it was only necessary to repay the corresponding handling fee, interest and 10% of the cash withdrawal amount every month, which has become a good way for many cardholders to solve their urgent needs. Since March 2065438+2008, many banks have issued announcements to adjust the minimum repayment rules of credit cards, and included the overdraft transfer and overdraft withdrawal amount of credit cards into the minimum repayment amount of bills.
To sum up, friends who hold Bank of Communications credit cards should pay more attention to the validity period of their credit cards, and if they need to continue to use them, they must replace them in time.