How much is the annual fee for Zhongyuan Bank JD Finance Co-branded Card? These costs must be understood.

The small white card team in JD.COM has been growing, and a new joint-name card of Zhongyuan Bank Jingdong Finance has been issued. New household cards can also be sent to JD.COM New Year cards or suitcases. Of course, this credit card also has an annual fee, and besides the annual fee, it will also involve other expenses. It is best to know clearly before you apply for the card. Let's take a look at the charges of Zhongyuan Bank's Jingdong Financial Co-branded Card.

First, let's look at the annual fee of this credit card.

Like all bank credit cards, the annual fee of Zhongyuan Bank Jingdong Financial Co-branded Card is also linked to the card level, and the level is not low, which belongs to the platinum card. According to the standard of Zhongyuan Bank Platinum Card, the annual fee is 3,000 yuan/card/year, and it will be handled free of charge from June 30, 2065,438.

In order to provide cardholders with better card service, Zhongyuan Bank implements the preferential policy of free annual fee for Jingdong Financial Co-branded Card for life. Everyone has no annual fee pressure to apply for a card. Even if you don't use the card, you don't have to worry about being deducted from the annual fee. Brush if you want anyway, and don't want to put it aside.

Then, let's look at other costs involved.

Generally, there are three kinds of fees, including cash withdrawal fee, liquidated damages, interest and SMS service fee:

1. Cash withdrawal fee: 65438+ 0% of the transaction amount, with a minimum of 4 yuan RMB per transaction;

2. liquidated damages: as long as the minimum repayment amount is not repaid in full on the final repayment date, it is a breach of contract, and the liquidated damages are charged at 5% of the unpaid part below the minimum repayment amount, with a minimum of 10 yuan for each payment;

3. Interest and SMS service fee: After the due repayment date, the remaining unpaid amount will be charged at the interest rate of 0.5 ‰ per day from the date of consumption, with monthly compound interest.