What do you mean by "worry-free" and "credit guarantee" charges for Bank of Communications credit cards?

1. Worry-Free Card is a SMS reminder service, which means that you will receive SMS notification for every transaction. This is three months 12 yuan.

2. The credit guarantee will remind you of the repayment date many times. If you forget to pay back the money on the last repayment date, you can postpone it for two days without penalty. Personally, I don't think it's very useful, especially if you pay back automatically or regularly every month, which can be saved in 9 yuan.

Supplement:

1. You can use the card without worry in 4 yuan/month, and the service fee is once every three months 12 yuan. If you don't want it, you can call customer service to cancel it. This 9 yuan can be saved.

2. If you use a lot of cards, sometimes you won't swipe them many times at a time, and you're not worried about the card being stolen and you don't know, which is enough. You will use your mobile phone to remind you of the repayment once a month, so that you can know how much you have deducted.

You can sign a free credit guarantee online, which is about the bill date +25 days. Personally, I think this is of little use, just worry about safety. If you forget to pay back the money on the last repayment date, you can extend the time for two days without penalty.