Huaxia Yidajin has a three-day grace period. According to "China Bank Card Industry Self-discipline Convention", member units should provide cardholders with "time-tolerant service" and provide cardholders with a certain period of repayment grace period. The repayment grace period is at least 3 days from the due repayment date. If the cardholder repays within the grace period, it is deemed that the cardholder repays on time. Therefore, Huaxia Yidajin has a three-day grace period, and this grace period does not need to be applied separately.

Users who want to apply for Huaxia Yidajin must meet the following conditions:

1. The applicant must be between 23 and 55 years old and have Chinese mainland nationality;

2. Beijing, Tianjin, Shanghai, Shenzhen, Taiyuan, Guangzhou, Wuhan, Ningbo, Urumqi, Hangzhou and Qingdao; It should be noted that residents of Hong Kong, Macao and Taiwan cannot apply.

3. Stable occupation and income (monthly income before tax ≥ 3,000 RMB);

4. Having worked in the current company for 6 months, holding and using 1 credit cards or more for more than 1 year;

5. The applicant's personal credit must be good and there is no bad credit record.

You can apply in the following two ways:

1. You can log in to Huaxia Bank official website directly, find the application entrance of Yidajin in the "Credit Card" interface, fill in the relevant information and submit it.

2. You can also go to Huaxia Bank's business outlets near you and ask the bank staff at the counter to handle it. You need to bring relevant identification, work certificate, income and financial documents when handling.

The special feature of Huaxia Yidajin is that it can customize the loan amount. That is, within the credit line of Huaxia Yida Gold Card of the customer, the amount of each loan depends on the customer. The number of installments can also be customized. Customers can choose the repayment period of 1, 3, 6, 12, 18 or 24 months according to their own capital needs. Customers are exempt from handling fees for cash withdrawal at ATM machines, and cash withdrawal transactions before bills (single amount not less than RMB 500 yuan) can be converted into installments at any time.