Mainland banks mainly include China Industrial and Commercial Bank, China Merchants Bank, China Agricultural Bank, China Construction Bank, China Bank, China Minsheng Bank, China Everbright Bank, China CITIC Bank, Bank of Communications, Industrial Bank, Shanghai Pudong Development Bank, China People's Bank, Huaxia Bank, Shenzhen Development Bank, Guangdong Development Bank, China Development Bank, China Postal Savings Bank, China Exim Bank and China Agricultural Development Bank.
Fees for cash advance in China by major banks:
ICBC's local banks don't charge fees.
2.5% of the cash withdrawal amount of China Everbright Bank, with the lowest in 3 yuan and the highest in 200 yuan.
1% of the transaction amount of Agricultural Bank, with a minimum of 1 yuan.
1% of the cash withdrawal amount of China Construction Bank, with the lowest 10 yuan and the highest 500 yuan.
Bank of China has no handling fee for local banks.
China Merchants Bank advances 1% cash, and the minimum charge is 10 yuan RMB (the down payment of city series credit cards is free of charge).
65438+ 0% of the transaction amount of Bank of Communications, with the minimum 5 yuan RMB per transaction (new standard).
2.5% of the transaction amount of Ping An Bank, with a minimum of 25 yuan RMB per transaction.
0.5% of the cash withdrawal amount of Minsheng Bank, with a minimum of 65,438 yuan +0 yuan.
Industrial Bank charges 2% handling fee for cash advance, with a minimum charge of RMB 20.
China CITIC Bank charges a handling fee of 3% for cash advance, with a minimum of 30 yuan.
3% of the cash withdrawal amount of Shanghai Pudong Development Bank, with a minimum of 30 yuan RMB.
2.5% of the cash withdrawal amount of Guangfa Bank; The lowest RMB 10 yuan.
The notice said that advertisement publishers and advertising operators should conscientiously perform their legal responsibilities and obligations in the advertisement review, check relevant supporting documents in accordance with relevant laws and regulations, and verify the contents of credit card-related advertisements, and must not design, produce, represent or publish credit card advertisements for intermediaries without business licenses or authorization from card issuers;
Advertisements related to credit cards shall not contain illegal contents such as "+++","credit card loan", "POS consumption withdrawal", "credit card cash withdrawal", "one-stop service for credit cards" and "credit card overdraft repayment". Credit card holders should enhance their legal awareness, consciously abide by the relevant state regulations, and handle and use credit cards through joint channels to avoid damage to their rights and interests.
Extended data:
Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.
Reference link: Credit Card Baidu Encyclopedia China Administration for Industry and Commerce Online Credit Card Cash Withdrawal-Baidu Encyclopedia
What bank handles credit cards?
There are many banks that can handle credit cards, such as:
1. Four state-owned banks: China Construction Bank, China Bank, China Agricultural Bank and China Industrial and Commercial Bank.
2. Joint-stock commercial banks: Ping An Bank, China Guangfa Bank, China Everbright Bank, Industrial Bank, Shanghai Pudong Development Bank, China Merchants Bank, Huaxia Bank and China CITIC Bank.
3. City commercial banks: Bank of Beijing, Bank of Shanghai, Bank of Hankou, bank of tianjin, Bank of Hebei, Bank of Bank of Ningbo, Bank of Jiangsu, Bank of Shengjing, Bank of Nanjing, Bank of Guangzhou, etc.
Brief introduction of China Construction Bank:
ChinaConstructionBank, formerly known as People's Construction Bank of China, was established in June 1 954+1October1(later renamed China Construction Bank on March 26th, 1996). The head office is located at No.25, Financial Street, Beijing. It is a large state-owned bank managed by the central government and a national deputy ministerial unit. The main business areas of China Construction Bank include corporate banking, personal banking and treasury business, with branches and subsidiaries in 29 countries and regions, and subsidiaries in many industries such as funds, leasing, trust, life insurance, property insurance, investment banking, futures and pension.
Brief introduction of Ping An Bank:
Ping An Bank, the full name of Ping An Bank Co., Ltd., is a cross-regional joint-stock commercial bank controlled by China Ping An Insurance (Group) Co., Ltd., and one of Chinese mainland 12 national joint-stock commercial banks. The registered capital is 565,438 yuan+23.35 million yuan and the total assets are nearly 65,438 yuan +0.37 trillion yuan. Its headquarters is located in Shenzhen, Guangdong Province. China Ping An Insurance (Group) Co., Ltd. (hereinafter referred to as "China Ping An") and its holding subsidiaries hold about 2.684 billion shares of Ping An Bank, accounting for about 52.38%, and are the controlling shareholders of Ping An Bank.
Brief introduction of China Everbright Bank:
China Everbright Bank (China Everbright Bank) was established in August, 1992. It is a national joint-stock commercial bank approved by the People's Bank of China and headquartered in Beijing. China Everbright Bank was listed on the Shanghai Stock Exchange in August 20 10 and on the Hong Kong Stock Exchange in February 20 13.
What are the credit cards of China Bank?
Bank of China has the following different types of credit cards:
1, BOC credit card;
2. BOC VISA Olympic Credit Card;
3. BOC JCB credit card;
4. BOC Lenovo VISA Olympic Credit Card;
5. BOC City Card;
6. BOC Elite Co-branded Card;
7. BOC JCB Jiuguang Department Store Co-branded Card;
8. BOC ZTE business card;
9. Bank of China Jiaotong University alumni ID card;
10, BOC Sichuan University Credit Card;
1 1, Bank of China Peking University Credit Card;
12, BOC JCB Dazhong Electric Co-branded Card;
13, China Bank Zhuangsheng sogou co-branded card.
Card function:
You can spend without deposit overdraft, and enjoy an interest-free period of 20-50 days to repay on time without interest.
When shopping, swiping a card is not only safe, hygienic and convenient, but also an extra gift.
Special merchants who hold cards in banks can enjoy preferential treatment.
Accumulate personal credit and add credit records to the cardholder's credit file.
Entering China is barrier-free, and you can withdraw money or spend money by credit card at ATMs and POS machines with UnionPay logo.
All kinds of discounts and lottery activities throughout the year.
Mail the statement free of charge every month, and grasp every consumption expenditure transparently.
Unique supplementary card function, suitable for husband and wife to jointly manage money or master children's financial expenses.
The free choice of one card and two currencies is popular all over the world, and consumption abroad can repay in RMB.
24-hour free 800 telephone service, loss reporting takes effect immediately, and there is no risk of losing the card.
You don't need a guarantor, deposit or cash deposit to apply for a credit card of China Bank. You only need to fill in the application form for credit card of China Bank, and attach copies of identification documents, permanent residence documents and proof of financial resources, then you can apply for a credit card from China Bank.
Preferential policies:
Annual fee-free policy: Puka Gold Card swipes the card five times to avoid the annual fee for the following year.
Handling fee for cash withdrawal: 65,438+0% of the transaction amount of the Bank in China, the lowest for ATM withdrawal is 8 yuan, and the lowest for counter withdrawal is 65,438+00 yuan. Other banks only withdraw 65,438+0% of the transaction amount by ATM, and the lowest is 65,438+02 yuan. 1% of the overseas unionpay transaction amount, with a minimum of 15 yuan RMB.
Maximum interest-free period: 50 days
Multi-account management: quota sharing (BOC series and Great Wall series are independent), independent bookkeeping date and independent repayment.
Online payment: Support JD.COM Taobao Alipay, have issued Bank of China Taobao credit card, enjoy Taobao VIP, and support Alipay cartoon business.
Installment business: support interest-free installment for specific merchants (3, 6, 12). Single arbitrary installment and bill installment are not supported.
Billing date: the monthly billing date is generated by the system, and the billing date of each cardholder is fixed and cannot be changed.
Card types: Puka (with a quota of 20,000-30,000), Gold Card (with a quota of1-50,000) and Platinum Card (with a quota of more than 50,000).
Currency: RMB, RMB/USD, RMB/JPY, GBP, European credit card points activity rules.
Which banks issue credit cards in China?
Banks that issue credit cards in China are as follows:
State-owned banks: China Bank, Industrial and Commercial Bank, China Construction Bank, Agricultural Bank and Postal Savings Bank.
Major national commercial banks: China Merchants Bank, Bank of Communications, China Guangfa Bank, China CITIC Bank, Industrial Bank, Minsheng Bank, Ping An Bank, Shanghai Pudong Development Bank, China Everbright Bank, Huaxia Bank and Citibank.
Regional banks: Bank of Ningbo, Bank of Beijing, Bank of Jiangsu, Shanghai Rural Commercial Bank, Baoshang Bank, Hangzhou Bank, Nanjing Bank, Hebei Bank, Chongqing Rural Commercial Bank, Shengjing Bank, Chengdu Rural Commercial Bank, Shangrao Bank, Du Yao Rural Commercial Bank, Shangqiu Commercial Bank, Wenzhou Bank, Guangzhou Bank, bank of tianjin,++City Commercial Bank, Harbin Bank, Chongqing Bank and Hankou Bank.
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Credit cards are also called debit cards. It is a non-cash transaction payment method and a simple credit service.
Credit card is generally a special carrier plastic card with consumer credit, which is 85.60mm long, 53.98mm wide and 1mm thick. It is issued by banks to individuals and units, so that they can shop, spend and deposit and withdraw cash from banks. The form is a card with the name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature on the back.
Credit cards are issued to cardholders by banks or credit card companies according to the credit and financial resources of users. Cardholders don't need to pay cash when using credit cards, and the bills will be returned when they arrive.
Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to the credit card issued by the bank, which gives the cardholder a certain credit limit, within which the cardholder can spend first and then repay. A quasi-credit card refers to a quasi-credit card issued by a bank. The cardholder deposits a certain amount of reserve fund according to the regulations. When the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. When we talk about credit cards, we usually only refer to credit cards.
In the 1960s, credit cards sprouted and developed rapidly in developed countries in Europe and America, such as the United States, Canada and Britain. After more than 50 years of development, credit cards have been widely accepted in more than 95% countries around the world.
In 1980s, with the reform and opening up and the development of market economy, credit cards, as electronic and modern consumer financial payment tools, began to enter China, and made great progress in the past decade.
After the financial crisis and the ups and downs of the domestic economy, the credit card market in China picked up on 20 16. By the end of 20 16, the total number of credit cards issued in China exceeded 590 million.
In 20 16, the national credit card consumption transaction amount reached 74 1.8 1 trillion yuan, up by 10.75% year-on-year, and the proportion of credit card consumption in the total retail sales of social consumer goods continued to increase.
Characteristics of Chinese mainland credit card (international credit card);
1. Consume first, then repay.
2. Deposits do not generate interest.
3. In Chinese mainland, the repayment period is interest-free, generally 20 to 60 days.
4. There is a minimum repayment amount.
5. Generally, interest is calculated by simple daily interest rate and monthly interest rate.
6. If the repayment is not made on schedule with the minimum repayment amount, penalty interest or late payment fee will be levied; Those who maliciously overdraw shall bear legal responsibility.
7. The application needs to provide certain proof of identity, property and financial resources, and sometimes a guarantee is needed.
That's enough about the credit card introduction of those banks in China.