Credit cards do not charge interest or any fees other than annual fees. If you do not open the card after receiving it and do not swipe the card more than 3 times after opening, the bank will charge you an annual fee of 160 yuan for the gold card and 80 yuan for the regular card after one year. Because bank bills are repaid on a monthly basis, if you do not repay on time, CCB will indicate that your repayment is outstanding every month before you pay off the annual fee, and it will also be reported to the People's Bank of China's personal credit system. Inside, once the credit system cannot record it, it will affect your loans from any financial institutions in the next two years.

Extended information

Advantages

Compared with ordinary bank debit cards, the most convenient way to use credit cards is that they can be used without cash in the card. For ordinary consumption, in many cases it is enough to repay the amount consumed on time.

You can use overdrafts without deposits, and you can enjoy an interest-free period of 20-56 days for on-time repayment without any interest charges (most banks will charge an interest of 50,000 cents on the day of cash withdrawal, and 2 handling fees, ICBC cash withdrawals are free of handling fees and only charge interest).

Swiping your card when shopping is not only safe and convenient, but also provides points for gifts.

You can enjoy discounts when you use the card at the bank's designated merchants.

Accumulate personal credit and add a record of integrity to your credit file that will benefit you throughout your life.

It is accessible nationwide and you can withdraw money or make purchases by swiping your card at ATMs and POS machines with the UnionPay logo; (Note: Credit cards are only suitable for consumption and swiping. It is best not to withdraw cash. The handling fee for cash withdrawals is very high and very inconvenient. Cost-effective)

Swipe card purchases, collect existing points with some credit cards, and offer a variety of discounts and lucky draws throughout the year, so you can always be surprised as long as you use the card; (most credit card online payments do not have points, but online shopping payments Very convenient and fast)

Free mailed statements every month, allowing you to transparently control every consumption expenditure; (now promoting green environmental protection, paper statements can be canceled and changed to electronic statements)

The unique supplementary card function is suitable for couples to manage finances at the same time, or to control their children's financial expenditures.

The free choice of one card and dual currencies is available all over the world. Overseas consumption can be repaid in domestic RMB.

400 or the 5-digit short number starting with 9 is available 24 hours a day. Loss reports are effective immediately and there is zero risk of losing the card.

Have validity period: It is known that the validity period of domestic credit cards is generally three or five years.

Use third-party platforms (the domestic platform that supports credit card bill management is mainly Jujindou) for business cooperation to provide cardholders with preferential services.

Reference: Baidu Encyclopedia-Credit Card