The standard credit card gold card of Bank of Communications is a tourist card, a standard card, a visa, a card that tourists like, a dual-currency card of RMB and USD, and also a gold card. There are many labels on it. How much is the annual fee for the standard credit card of Bank of Communications? The policy of how to reduce the annual fee has also attracted considerable attention.
1. What is the annual fee for the standard credit card of Bank of Communications?
Annual fee for standard credit card gold card of Bank of Communications: 200 yuan; Annual fee of supplementary card: 100 yuan.
Inactive cards do not generate any annual fees.
Two, the Bank of Communications standard credit card fee waiver rules
1. Bank of Communications' credit card is exempt from the annual fee in the first year, and the annual fee in the following year can be exempted regardless of the amount (not counting the number of withdrawals) if it is swiped six times in the first year. And so on in the future.
2. The annual fee-free period of the credit card is not based on the natural month or natural year, but on the date of issuance (the date of issuance is on the paper attached to the credit card at the time of issuance, or call customer service for enquiry), and 12 months after the date of issuance is one year. For example, the credit card issuance date is 65438+February 1 4, so the first year is 2065438+February 1 to 2015438+1October 30. In the first year, the annual fee for the following year is exempted if the number of card swipes meets the bank's requirements, and the annual fee for the following year ranges from 20 15 12 1 to 20 14 10.
So as long as you swipe your card 6 times before the card issuing date, you can avoid the annual fee for the following year.
How much is the annual credit card fee of Bank of Communications? If you want to waive the annual fee, look here.
The annual fee of a credit card cannot be ignored by the cardholder. Knowing the discount of free annual fee can save money for yourself. Why not? Today, I'll tell you about the annual fee of Bank of Communications credit card and how to avoid it.
First, the Bank of Communications credit card annual fee collection standards
(1) single currency credit card
Platinum: the main card 1000 yuan, and the auxiliary card is free of annual fee;
Gold card: main card 120 yuan, and auxiliary card 60 yuan;
Ordinary cards: main card 80 yuan, supplementary card 40 yuan.
(2) Dual currency credit card
Platinum: the main card 1000 yuan, and the auxiliary card is free of annual fee;
Gold card: main card 200 yuan, supplementary card 100 yuan;
Ordinary cards: main card 140 yuan, and auxiliary card 70 yuan.
(3) USD credit card
Elite Edition: the main card is 500 yuan, and the auxiliary card is free of annual fee;
Basic version: the main card is 200 yuan, and the supplementary card 100 yuan.
(4) More quasi-credit cards
Gold Card/Ordinary Card: 80 yuan as the main card and 40 yuan as the supplementary card.
(5) Wal-Mart Credit Card
Gold card: main card 150 yuan, and auxiliary card 75 yuan;
Ordinary cards: main card 75 yuan, supplementary card 38 yuan.
(6) Y-Power credit card
Dual currency card: main card 140 yuan;
Single currency card: the main card is 80 yuan.
(7) Platinum Card Optional Service
Health care service: standard version 1000 yuan/year, or 250000 points exchange;
Personalized version of 2000 yuan/year, or 500 thousand points exchange.
Second, the Bank of Communications credit card free annual fee discount
(1) Non-platinum card: The annual fee policy of our credit card is to waive the annual fee in the first year, and you can waive the annual fee in the following year if you swipe your card for six times in the current year.
The annual credit fee collection standard of Bank of Communications is as above. If you agree with Bank of Communications' credit card annual fee collection standard and annual fee-free policy, and want to apply for one, you can click on the credit card application entrance of Bank of Communications.
What is the annual fee for the standard credit card of Bank of Communications? Did you get the annual fee-free strategy?
When applying for a credit card, it is important to know the annual fee. After all, the annual fee is not a small sum. The higher the level, the more you collect. But now most credit cards have an annual fee-free policy. Are you clear? Many friends still don't understand the annual fee standard of Bank of Communications standard credit card and the related annual fee-free policy. Let's have a look!
What is the annual fee for the standard credit card of Bank of Communications?
The standard credit cards of Bank of Communications are divided into single-currency cards and dual-currency cards. At the same time, there are differences between ordinary cards and gold cards according to credit card grades, as follows:
Bank of Communications Standard Credit Card (UnionPay): annual fee of 80 yuan/year.
Bank of Communications Standard Credit Card (UnionPay VISA): annual fee 140 yuan/year.
Bank of Communications Standard Credit Card Gold Card (UnionPay VISA): annual fee of 200 yuan/year.
The above are the annual fees for the main card. If there is a secondary card, it corresponds to 50% of the annual fee of the main card.
Bank of Communications Standard Credit Card Annual Fee Free Policy
All credit cards of Bank of Communications (except platinum cards) are exempt from annual fees in the first year, and the annual fees in the following year are exempted after spending six times. The annual fee for the third year can be waived six times in the second year, and so on.
It should be pointed out that:
1. The annual fee period of the Bank of Communications standard credit card is calculated from the date of issuance, which is not a natural year.
2. Whether the Bank of Communications credit card is activated or not, the annual fee for the Pacific Dual Currency Card is 140 yuan, and that for the Gold Card is 200 yuan.
Therefore, if you don't want to use the credit card that has already applied for Bank of Communications, don't put it there, activate it first and then cancel it, so you can avoid the annual fee.
I believe everyone will understand the question of "how much is the annual fee for the standard credit card of Bank of Communications". The annual fee of credit card is not much, but it can be saved completely, and flying legs are also meat!
How to waive the annual fee for Bank of Communications credit cards?
Puka and Gold Card: the annual fee is unconditionally waived in the first year, and the annual fee in the following year can be waived if you swipe your card six times in that year; Platinum Card: At present, the annual fee of Bank of Communications Platinum Card is charged on the first billing day after the account is activated.
1. Bank of Communications: Bank of Communications (English BCM or Chinese Bank of Communications) was established in 1908. It is one of the six largest banks in China, one of the oldest banks in China and one of the modern note-issuing banks in China. 1 987 April1day, the newly established Bank of Communications officially opened to the outside world, becoming the first national state-owned joint-stock commercial bank in China, with its head office in Shanghai. Bank of Communications was listed on the Hong Kong Stock Exchange in June 2005 and successfully listed on the Shanghai Stock Exchange in May 2007. Bank of Communications is one of the major financial service providers in China, covering commercial banks, securities, trusts, financial leasing, fund management, insurance and offshore financial services. There are 235 domestic branches of Bank of Communications, including 30 provincial branches, 7 directly affiliated branches, 99 provincial branches/kloc-0, and 3,270 outlets in 239 cities above prefecture level and 158 counties or county-level cities. It owns seven non-bank companies, including wholly-owned subsidiaries of Bank of Communications Leasing, Bank of Communications Insurance and Bank of Communications Investment, and holding subsidiaries of Bank of Communications Fund, Bank of Communications Guo Xin, Bank of Communications Life Insurance and Bank of Communications International. In addition, Bank of Communications is the largest shareholder of Changshu Rural Commercial Bank and also the largest shareholder of the bank. Strategic shareholding in Hainan Bank, holding four rural banks.
2. Company size of Bank of Communications: By the end of 20 17, there were 232 domestic branches of Bank of Communications, including 30 provincial branches, 7 directly affiliated branches, 95 provincial banks/kloc-0, and 3,285 outlets in 236 cities above the prefecture level and 167 counties or county-level cities * *; Its wholly-owned subsidiaries include Bank of Communications International, Bank of Communications Insurance and Bank of Communications Leasing, and its holding subsidiaries include Bank of Communications Fund, Bank of Communications Guo Xin, Bank of Communications Life Insurance, Dayi Bank of Communications Xingmin Village Bank, Zhejiang Anji Bank of Communications Village Bank, Xinjiang Shihezi Bank of Communications Village Bank and Qingdao Laoshan Bank of Communications Village Bank. In addition, Bank of Communications is also the largest shareholder of Jiangsu Changshu Rural Commercial Bank, and has made a strategic investment in Hainan Bank.
By the end of 20 16, the assets of Bank of Communications reached 8,403.2 billion yuan, an increase of 17.44% over the end of last year. The capital adequacy ratio, core capital adequacy ratio and core tier 1 capital adequacy ratio reached 14.02%, 12. 16% and11%respectively; The average return on assets (ROAA) and the average return on shareholders' equity (ROAE) are 0.87% and 12. 18% respectively. The defective rate was 1.52%. The net profit for the whole year was 6,726,543.8 billion yuan, an increase of 65,438+0.03% over the previous year.
How much is the annual credit card fee of Bank of Communications? How many times a year?
1, the annual charge standard of Bank of Communications' credit card is completely the same, and the current charge standard is:
Gold card main card: RMB 200 yuan per year, and gold card supplementary card: RMB 100 per year; Master card of Puka: RMB 140 yuan per year, and the master card is accompanied by 70 yuan every year.
2. The Bank of Communications credit card is exempt from the annual fee in the first year (except platinum card), and the annual fee in the following year can be exempted by swiping the card six times a year. Alipay recharges and counts the consumption times.
3. If the Bank of Communications credit card is not opened, the annual fee will be exempted in the first year and charged in the second year. Therefore, if you have an unopened Bank of Communications credit card, please cancel it in time.
Bank of Communications Credit Card is a credit brand product jointly launched by Bank of Communications and HSBC. Its user orientation is "a group of people who have ideals and pursuits for life and career, know how to enjoy, are more willing to struggle, and sometimes have the needs of studying abroad, doing business, studying abroad or traveling abroad."
Bank of Communications credit cards are also a group of people with high living standards who are willing to try new consumption habits. Bank of Communications Pacific Credit Card is a credit card product created by Bank of Communications by introducing advanced technology and management from HSBC. It brings together the advantages of global and local countries, advocates a brand-new consumer culture and card experience with the theme of "China Global Card", and provides preferential and thoughtful services around the world.
Reference link: Baidu Encyclopedia _ Bank of Communications Credit Card
How to avoid the annual fee for Bank of Communications credit card (gold card)?
If it is a bank of communications credit card, the annual fee reduction and exemption has the following preferential policies: Puka, Gold Card: the annual fee is unconditionally exempted in the first year, and the annual fee is exempted in the following year after swiping the card for 6 times; Platinum Card: At present, the annual fee of Bank of Communications Platinum Card is charged on the first billing day after the account is activated.
In other words, if you spend your gold card six times in the same year, you can get rid of the annual fee for the second year.
Credit card repayment.
On the Similarities and Differences among Credit Card Repayment, Credit Card Trading Date and Entry Date
Trading day: Literally, it refers to the date when the cardholder actually consumes, deposits and withdraws cash, transfers money or actually conducts transactions with relevant institutions.
Bookentry date: refers to the date when the card issuer records the transaction amount in the cardholder's credit card account or records the handling fee and interest in the cardholder's credit card account according to regulations.
The trading day and posting day are sometimes the same day, and sometimes they are not. Especially in foreign consumption, the difference between the two may be more than one day.
This point, many old drivers who grab cash back from consumption abroad must have a deep understanding, and many of them are defeated because they don't understand the difference between these two dates.
It's not that everyone is inexperienced, but the entry dates of different banks are different, even the same bank is different every month. This rule is really hard to touch.
In fact, it is not only overseas activities, but many banks like to calculate their activities on the entry date. You may wish to pay attention to the detailed description of various activities to avoid accidentally falling into the pit.
About overdue credit cards
Speaking of overdue, let's explain it with a few nouns.
The billing date means that the issuing bank will regularly summarize and settle all the transactions and expenses of your credit card account in the current period every month, calculate the interest, calculate the total amount owed in the current period and the minimum repayment amount, and send you a statement (paper bills are almost extinct now, basically text messages and emails). This date is your credit card bill.
Repayment date: credit card is a non-cash transaction, and the interest-free repayment date is from the bank bookkeeping date to the due repayment date, and the last interest-free date is the last repayment date written on the bill.
The minimum repayment amount means that if the cardholder has difficulty in repaying all the payables before the due repayment date (inclusive), he can repay according to the minimum repayment amount stipulated by the issuing bank, but he cannot enjoy the interest-free repayment period. The minimum repayment amount is listed on the current bill.
Minimum repayment amount = 65,438+00% of the outstanding consumption amount within the credit line (5% in some banks), 65,438+000% of the cash advance transaction amount, and 65,438+000% of the expenses and interest of the previous minimum repayment amount exceeding the consumption amount of the credit line.
In short, as for the minimum repayment amount, just look at the items on the bill.
Ok, with the above noun explanation, this overdue is easy to explain.
If the minimum repayment amount has not been paid after the last repayment date, even if it is overdue, it may be recorded in the credit report.
The reason why it can be published in newspapers is that many banks have set aside some exemption conditions. When the technical term is tolerance, it is regarded as mercy outside the law.
"Tolerance and time tolerance" is a general term for "tolerance service" and "tolerance and time tolerance service" of bank credit cards.
"Tolerance service" means that the cardholder fails to repay in full in the current period, and if the unpaid part in the account is less than or equal to a certain amount after the due repayment date, it is deemed that the cardholder has repaid in full, and the unpaid part will be automatically transferred to the next bill, and the unpaid part will not bear interest.
"Time-tolerant service" refers to providing cardholders with a certain period of repayment grace period service, and the repayment grace period is within a few days from the due repayment date; If the cardholder repays within the repayment grace period, it is deemed that the cardholder repays on time.
The repayment date of general banks is 20 days after the bill date, and some banks are 25 days after the bill date; Generally, the holding time is 2 or 3 days (note that the holding time of ICBC is 0 days); Tolerance is generally within 10 yuan, and only China Everbright Bank can tolerate it within 100 yuan.
In addition, the time difference services of Guangfa Bank, China Everbright Bank and Shanghai Pudong Development Bank can only be enjoyed upon application. In this regard, the application time tolerance is understandable. If you realize tolerance, you will definitely pay back a few dollars. Who would bother to apply? With the threshold of application, it means that there is no such service.
Then, after the bank allows the time to form a real overdue, will it definitely pollute the credit information?
The answer is also no.
Because banks don't report overdue in real time, they all have their own work rhythm, and the fastest one takes one working day, and some banks even report it in ten days.
This overdue report is also the last remedy for everyone. Pay back in full and take the initiative to explain your last move (such as forgetting, such as not having time to travel on a business trip, etc.). ), and be sincere, so that it is possible to "save the day."
Of course, saying this is not to make everyone feel lucky and delay repayment, but to solve it as soon as possible once it is overdue, and don't break the jar without asking.
Credit card interest
Even if it is overdue accidentally, if it is not paid in full by the repayment date, there will be a large interest fee waiting for you.
Interest: Due to cash withdrawal or insufficient repayment (only the minimum repayment amount) on the repayment date, the current common algorithm for credit card interest is the daily interest rate of five ten thousandths. Whether it is overdue or not, as long as it is not repaid in full after the repayment date, this interest will be generated.
Reminder: One billing cycle is the calculation cycle of interest, and the interest of the next cycle will be incorporated into the principal for recalculation.
Here are a few points to note:
1, cash withdrawal is different from credit card consumption, and there is no interest-free period. As long as you withdraw from the current bank, you can start calculating interest. If you don't make up the money for an emergency, remember to pay it back quickly. Don't wait until the repayment date to pay it back together. There will be a large interest fee waiting for you.
Of course, everyone must know this. Everyone takes it on the same day and returns it on the same day. It doesn't need interest, only a handling fee.
The interest-free period of credit card consumption is conditional, that is, you must repay in full before the repayment date. If only the minimum repayment amount is paid, the interest will be calculated in full, although it will not cause bad news of overdue.
Related repayment
Some people may say that I linked a debit card and set up automatic repayment. No matter how many pits I have, I can't be cheated.
If you think so, there may be a bigger pit waiting for you.
Because credit card repayment still has a problem of pressing the card or the account, one thing you must keep in mind! I can't figure this out. I'll wait for you after the deadline
Find out which banks are pressing cards and which banks are pressing households, and make relevant repayments in a targeted manner.
Let's talk about how to avoid the annual credit card fee of Bank of Communications.