Is there an annual fee for Bank of Communications bank cards?

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 Card) are free of annual fee in the first year, and the annual fee in the following year is free after spending six times. The annual fee for the third year can be waived six times in the next year, and so on.

It should be pointed out that:

1. The annual fee of the standard credit card of Bank of Communications is calculated from the date of issuance of the card, which is not a natural year.

2. Whether the Bank of Communications Credit Card is activated or not, the annual fee of 140 yuan will be charged for the Pacific Dual Currency Card and the annual fee of 200 yuan will be charged for the Gold Card.

Therefore, if you don't want to use the Bank of Communications credit card you applied for, please don't leave it there, activate it first and then cancel it, so as not to generate an 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 credit card fee is not much, but it can be saved completely, and the fly legs are also meat!

How much is the annual credit card fee?

1. According to the regulations of Bank of Communications Credit Card Center, the annual fee standard of Bank of Communications credit card is:

1, Platinum Card: At present, the annual fee of Bank of Communications Platinum Card will be charged on the first billing day after the account is activated.

2. Non-platinum card: At present, the annual fee policy of Bank of Communications' credit card is to waive the annual fee in the first year, and the annual fee in the following year can be waived when the card is swiped for six times in a year.

Note: If there is any adjustment to the annual credit card fee collection policy of Bank of Communications, it will be notified through websites, bills and other channels. Please pay attention to the notice at that time.

According to the current policy of Bank of Communications, if the newly issued account is not activated, the annual credit card fee will not be charged. However, for other cards, such as expired renewal cards, loss reporting replacement cards and reissued cards waiting for activation, the annual credit card fee will be charged in the same way as the previous cards.

Since 20 17, 10 and 1, Bank of Communications has implemented a brand-new preferential policy for the annual fee of platinum cards for individual high-end customers. Details are as follows:

1. The first platinum card in the name of a private banking customer of Bank of Communications will be exempted from the basic annual fee within the validity period. Private banking customers who meet the renewal standard will continue to be exempted from the basic annual fee within the validity period, and private banking customers who do not meet the renewal standard will be charged the basic annual fee by half, that is, 500 yuan/year.

2. The first platinum card under the name of Ward Financial Customer of Bank of Communications will be exempted from the basic annual fee in the first year, and the basic annual fee of platinum card will be halved from the next year, that is, 500 yuan/year.

3. Bank of Communications private banking customers and Ward wealth management customers apply for multiple platinum master cards. Starting from the second platinum card, the basic annual fee of 1 1,000 yuan will be charged according to the standard of ordinary customers; If the first platinum card is sold, the customer can designate another platinum card in his name to continue to enjoy the annual fee discount of the private bank ward.

Extended data:

1. The formula for calculating the minimum repayment amount is as follows:

Minimum repayment amount = 10% consumption balance+10% cash withdrawal balance+interest balance+other payable expenses balance+unpaid part of the minimum repayment amount in the previous period.

1, Bank of Communications adopts the method of revolving credit and interest calculation.

Revolving credit: Revolving credit is a small unsecured loan with daily interest. According to your financial situation, you can decide the repayment amount every month before the due date of the current credit card bill.

When the repayment amount is equal to or higher than the minimum repayment amount of the current bill, but lower than the current repayment amount, the remaining deferred repayment amount is the revolving credit balance.

2. Revolving credit interest rate:

The interest rate of revolving credit shall be uniformly stipulated by the People's Bank of China, and the daily interest rate shall be 0.5 ‰, with monthly compound interest.

3. Interest calculation of revolving credit:

The consumption amount of the last statement is the interest-bearing principal, and the interest-bearing days are from the account bookkeeping date to the account repayment date, and the daily interest rate is five ten thousandths. The interest on revolving credit will be listed in the next bill.

Two. Repayment by bank:

1. Bank's debit card automatically repays.

2. Bank debit card self-service repayment (online banking, mobile banking, telephone banking)

3. The debit card of this bank transfers money and repays money through electronic channels.

4. Other banks' debit cards automatically repay loans across banks.

5. Cross-bank self-service repayment with debit cards of other banks (online banking and mobile banking)

6. Cash repayment at bank outlets

7. Cash repayment of bank automatic deposit machine

Third, the third-party payment platform repayment:

1, quick repayment

2. Alipay repayment

4. Tenpay Repayment

Four. Repayment through other channels:

1, UnionPay ATM inter-bank transfer repayment

2. Debit cards of other banks are transferred and repaid through electronic channels.

Baidu Encyclopedia-Bank of Communications Credit Card

How much is the annual credit card fee of Bank of Communications?

Bank of Communications Credit Card Annual Fee:

1. Dual currency card: the main gold card is 200 yuan, and the sub-gold card is 100 yuan; The main card of Puka is 65,438 yuan +040 yuan, and the auxiliary card of Puka is 70 yuan.

2. Renminbi card: the main gold card 120 yuan, and the subsidiary gold card 60 yuan; Puka main card 80 yuan, Puka deputy card 40 yuan.

3. Doka: the main card is 80 yuan, and the auxiliary card is 40 yuan.

4. Platinum master card: the basic annual fee is 1 1,000 yuan (charged when the card is verified, and the optional service fee will be charged separately).

5. Platinum supplementary card: free of basic annual fee (optional service fee is extra).

6. Annual fee-free policy: swipe your card six times without annual fee, but you must swipe your card on the POS machine in the physical store, and online payment is not counted.

7. Note: swiping the card for 6 times is free of annual fee. It is the one-year repayment time from card issuance to this time next year. Look at the date of the bank statement. If you spend money before the statement, you must repay it before the statement date of next month. If you spend money later, you must repay it before the date of next month's statement.

What is the impact of overdue credit cards?

1, I cannot get a credit card.

2. Can't apply for a loan: If the personal credit record is bad and serious, he can't apply for a loan in any bank in China;

3. Restrict the purchase of insurance and wealth management products;

4. Restrict the purchase of luxury goods online;

5. Restrict children from attending private schools with high tuition fees;

6. Restrict the use of transportation: you can't choose planes, soft sleeper trains, steamboats No.2 and above, and people with bad credit can't buy holiday products or book air tickets through the platform.

7, limit the rental of office buildings, hotels, apartments and other places.

8. Limit the high consumption of hotels, guesthouses, nightclubs and golf courses.

9. Restrict the purchase and operation of non-essential vehicles;

10. If the person subjected to execution is a natural person, he shall not be the legal representative, director, supervisor or senior manager of the enterprise.

1 1. If it is overdue, you not only need to bear the 5% overdue fine for the minimum unpaid part, but also pay the full penalty interest on the bill (the daily interest rate is 0.05%, and the interest will be calculated from the day of consumption and recovered monthly until the principal and interest are paid off). It will also produce bad credit records in the Credit Information Center of the People's Bank of China, and it is difficult to apply for credit cards and bank loans within five years; If the payment is overdue for more than three months or the bank urges you for more than two times, the bank will freeze your card and put you on the list of prohibited customers (blacklist). At the same time, it will++your credit card++and malicious overdraft, and++will be enforced.

How much is the annual credit card fee of Bank of Communications?

The annual fees charged by different credit cards of Bank of Communications are different, and the charging standards are as follows:

Dual-currency card: the annual fee of the main gold card is 200 yuan, and the annual fee of the subsidiary gold card is 100 yuan; The annual fee for the master card of Puka is 140 yuan, and the annual fee for the subsidiary card of Puka is 70 yuan.

Renminbi card: the annual fee of the main gold card is 120 yuan, and the annual fee of the subsidiary gold card is 60 yuan; The annual fee for the master card of Puka is 80 yuan, and the annual fee for the subsidiary card of Puka is 40 yuan.

Multi-card: the annual fee for the main card is 80 yuan, and the annual fee for the auxiliary card is 40 yuan.

Platinum MasterCard: The basic annual fee is 1000 yuan.

Platinum supplementary card: free of basic annual fee.

There is no annual fee for the Bank of Communications credit card in the first year. As long as you swipe your card six times in one year, you can waive the annual fee for the next year.

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 combines global and local advantages, advocates a brand-new consumer culture and card experience with the theme of "China People's Global Card", and provides preferential and caring services all over the world.

Network card application refers to the way to complete a series of matters such as credit card application, registration, audit and authentication with the help of the Internet. Because of its fast, convenient and safe advantages, it has become a business that banks are scrambling to carry out. Bank of Communications Credit Card is also vigorously promoting online card handling through a series of preferential activities.

Super Network Card Handling: From September 30th, 20 13 to June 30th, 20 13 and February 30th, 3 1 year, all new customers who submit their applications online through the credit card website of Bank of Communications and successfully issue their credit cards will receive a credit card bonus of RMB 100, and they can also enjoy free express delivery the next day.

Haoxiangdai

The new credit card installment business launched by Bank of Communications provides batch consumer credit support with high exclusive quota (up to 654.38+0.5 million) and convenient service process. After signing the loan, when the consumption reaches the set initial transaction amount, the system will automatically stage it. The repayment period is as long as 24 months, and the maximum monthly handling fee is only 0.72%.

The biggest red Friday

"Red Star Period Five" is a credit card of Bank of Communications, which was launched based on the rigid demand of urban groups for Friday consumption. It is also the first marketing brand founded by Bank of Communications in the industry to appeal to single-day consumption.

Integral amusement park

Points Paradise is also the integral mall of Bank of Communications Credit Card. Here, customers can redeem points or buy goods they want by swiping their cards. But it is also different from the mall, because users can combine the points of multiple Bank of Communications credit cards in their own names, which can greatly help customers reduce the waste of points.

How much is the annual fee for Bank of Communications credit card Puka?

Puka: RMB 140 yuan per year.

1, the annual fee collection standard of Bank of Communications' credit card is completely consistent, and the current fee standard is:

Gold Master Card: RMB in 200 yuan every year.

Gold supplementary card: RMB 100 per year.

Master card of Puka: every year 140 yuan, 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. The collection date of the annual credit card fee is the corresponding date one year after the credit card is activated. For example, a card activated on May 5th will be counted as one year on May 5th of the following year, and the annual fee will be charged on May 5th.

4. At present, the annual fee policy of Bank of Communications credit card is free in the first year, free in the following year after six transactions in the first year, and so on. If the account is not activated, the annual fee for credit cards (except platinum cards) will not be charged.

Expenses and interest

1. Failure to repay in full according to the bill does not enjoy the interest-free period.

Interest shall be calculated in full at the specified interest rate from the transaction bookkeeping date, and compound interest shall be calculated monthly.

If the customer's repayment amount is lower than the minimum repayment amount, there will be liquidated damages in addition to the interest-free period.

2. Failure to repay on time does not enjoy the interest-free period.

Interest shall be calculated in full at the specified interest rate from the transaction bookkeeping date, and compound interest shall be calculated monthly.

3. There is no interest-free period for overdraft withdrawal.

Interest is calculated from the billing date of overdraft withdrawal, and compound interest is calculated monthly, and there will be a withdrawal fee.

Extended data

Bank of Communications credit card has the following services:

1, enjoy the loan

The new credit card installment business launched by Bank of Communications provides batch consumer credit support with high exclusive quota (up to 654.38+0.5 million) and convenient service process. After signing the loan, when the consumption reaches the set initial transaction amount, the system will automatically stage it. The repayment period is as long as 24 months, and the maximum monthly handling fee is only 0.72%.

2, the most popular star period five

Starting from the rigid demand of urban ethnic groups for Friday consumption, we cooperated with many merchants across the country to create Friday credit card rebate activities, which is also the first marketing brand established by Bank of Communications credit card in the industry to appeal for one-day consumption.

3. Holistic Paradise

Bank of Communications Credit Card integral mall, where customers can redeem points or swipe their cards to buy the goods they want. But it is also different from the mall, because users can combine the points of multiple Bank of Communications credit cards in their own names, which can greatly help customers reduce the waste of points.

Baidu Encyclopedia-Bank of Communications Credit Card

Bank of communications credit card official website-charges and interest.

Bank of Communications credit card annual fee collection standard

Acceptance criteria: 900 yuan/Card as the main card and 600 yuan/Card as the auxiliary card. Exemption and exemption conditions: if any amount of installment payment is completed in this year, the annual fee of the main card can be deducted by 6.5438+0.5 million points, and the annual fee of the auxiliary card can also be deducted by 6.5438+0.5 million points.

Annual fee policy of the bank:

The annual fee-free policy of Bank of Communications is the annual fee-free policy in the first year, and the annual fee-free policy in the next year if you swipe your card six times in one year (unlimited amount). The swipe times of the main card and the auxiliary card can be calculated together. However, the credit card center may introduce a new annual fee standard, which will be published on the website of the credit card center and cardholders will be informed accordingly. If the annual fee-free policy changes, cardholders should not forget to adjust their credit card strategy.

The annual fee-free policy of Shanghai Pudong Development Bank is quite special. Cardholders of standard cards, gold cards and some platinum cards (accelerated points cards and simple platinum cards) can be exempted from the annual fee for the following year by swiping their cards six times. Standard platinum cards and co-branded cards need to earn 30,000 points to avoid the annual fee for the following year. (Consumption 1 meta-product 1 points)

Minsheng Bank and Shenzhen Development Bank have relatively high annual fee-free standards. The former requires cardholders to swipe their cards eight times in one year to avoid the annual fee of the following year, while the latter raises the standard to 18 times. Moreover, both credit card centers stipulate that the number of swipes of the main card and the auxiliary card should be calculated separately, and any card that fails to meet the standard needs to pay the corresponding annual fee.

In the annual fee-free policy of banks, the words "the first year" and "the second year" are generally involved, but the timing start time of each bank is different. Some banks, such as China Construction Bank and China Guangfa Bank, start counting from the cardholder's card opening date to the second day of the following year, and are exempt from annual fees during this year; Some banks, such as Bank of Communications and China Merchants Bank, start to calculate from the verification card date or business card printing date, and then the annual fee amount is reflected in the bill of the month on the verification card date or business card printing date. In the latter case, if the cardholder does not use the card in the first year after applying for the credit card and does not open the card until the second year, it is likely that the annual fee will be charged directly, because according to the bank's timing rules, the cardholder's "first year" does not reach the number of swipes or the amount of swipes.

This is the end of the introduction on how to calculate the annual fee of Bank of Communications credit card and whether the Bank of Communications bank card needs an annual fee. I wonder if you have found the information you need?