The threshold for card approval is very low. You only need to provide your ID card and your work certificate (that is, work permit, badge, or income certificate stamped with the company's official seal, or even the original business card and a copy of the agency's pass). The overdraft limit is not very high. Of course, the information you provide is more comprehensive, and the amount of proof that you own real estate and automobile products will be greatly improved. The interest-free period of Bank of Communications is relatively long, which is 56 days. Except for the perpetual power card, you can apply for installment repayment for a single consumption of 1 0,500 or more. There is no free SMS reminder function for transactions, and the monthly SMS reminder service for transactions in 3 yuan.

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.

This card captures the dual advantages of Bank of Communications and HSBC: Bank of Communications has more than 2,600 branches in more than 30 cities across the country; And the confidential banking network system of HSBC, the second largest financial institution in the world, make this "China people's global card" shine and bring a unique card experience. The cooperation between the two banks has also set an example for China's banking industry to develop international cooperation.

A small credit card is a perfect blend of Chinese and western cultures. The cards of the Golden Card and the Puka are painted with Phoenix and koi fish, which symbolize honor and good luck in the traditional culture of the earth and China respectively. With the meaning of "the carp spirit in Yuelongmen, and the phoenix dance for nine days", the China cultural characteristics and the global service of HSBC are fully integrated into a small card, and the "China people's global card" is accurately interpreted.

Bank of communications credit card is not afraid of difficulties and is determined to innovate. It has been committed to providing better service to cardholders and creating a better life, and making unremitting efforts to help more China people enjoy world-class courtesy more easily.

On 20021April 18, Bank of Communications announced Ebo as the global spokesperson of the brand through the official Weibo.

What is the black card of Bank of Communications Pacific Credit Card?

Bank of Communications Pacific Credit Card Black Card, namely Y-power Card, is a young credit card of Bank of Communications for young people. The application threshold is low and the pass rate is high, but you must have a college degree or above. Cards are black and fashionable, so they are very popular with many young people.

First, the advantages of Pacific Credit Card Black Card

20 15 the advantages and characteristics of the youth card of bank of communications extended reading

Second, how to handle the black card of Pacific Credit Card

Extended reading

20 15 application conditions for youth card of bank of communications

Proof materials required for 2065438+2005 Bank of Communications Youth Card.

Three. Bank of Communications Pacific Credit Card Black Card Annual Fee and Handling Fee Standard.

Extended reading

Annual fee standard of Bank of Communications Youth Card 20 15

20 15 handling fee standard for youth card of bank of communications

20 15 charging standard for SMS reminder of Bank of Communications Youth Card

Four. Bank of Communications Pacific Credit Card Black Card Points Redemption

Extended reading

20 15 points standard of bank of communications youth card

20 15 redemption method for youth card of Bank of Communications

20 15 how to check the credit card points of Bank of Communications Youth Card?

Verb (abbreviation of verb) Bank of Communications Pacific Credit Card Youth Black Card Limit

Extended reading

What is the amount of Bank of Communications Youth Card 20 15?

How to quickly increase the quota of Bank of Communications Youth Card 20 15?

Bank of communications Y-POWER credit card

(The maximum withdrawal amount is 100%, and the withdrawal fee is as low as 5 yuan).

How about Pacific Credit Card of Bank of Communications?

Each bank's credit card has its own functions and characteristics, and of course it also has its own shortcomings, depending on everyone's needs.

1. Bank of Communications Pacific Credit Card is a credit card issued by Bank of Communications, which has three basic functions: credit consumption, cash advance and transfer settlement. It is a real credit card, which supports spending first and then repaying.

Second, the advantages and disadvantages are as follows:

Advantages:

1, the application threshold is low, and the withdrawal amount is faster;

2, 56 days long interest-free period;

3. You can withdraw cash at 100%;

4.YP card can be fully withdrawn; The undergraduate course directly approves 5000 places;

5. Support Alipay, and the online payment limit is high (10000 yuan).

Disadvantages:

1, complicated operation by stages;

2. Each card needs to be repaid separately, and the total consumption of all cards will not be automatically counted;

3. Integral is not permanently valid;

4, SMS charges, use the card to pay 48 worry-free a year, dare to pay a small annual fee;

5. Repayment is not very convenient;

6.YP card points are independently accounted for and cannot be converted into mileage.

Bank of Communications Pacific Credit Card Annual Fee

(1) gold card: the main card 120 yuan/year, and the auxiliary card is 60 months/year.

(2) Puka: 80 yuan for the main card and 40 yuan for the auxiliary card.

Bank of Communications Pacific Credit Card is a credit card issued by Bank of Communications, which has three basic functions: credit consumption, cash advance and transfer settlement. It is a real credit card, which supports spending first and then repaying.

Individuals with full capacity for civil conduct and legitimate income can apply for a personal master card with their valid identity documents (including ID card, military officer's card, police officer's card, passport, etc.). , the same below) identified by the public security department.

Personal master card applicants can apply for no more than three supplementary cards for spouses and immediate family members with civil capacity; All the funds used by the secondary card are transferred to the main card account, and the main card holder is responsible for repaying all the payables of the secondary card.

Pacific Credit Card issued by Bank of Communications Credit Card Center is a credit card product created by Bank of Communications by introducing advanced technology and management from HSBC. Gather global and local advantages, advocate a brand-new consumer culture and card experience with the theme of "China Global Card", and provide preferential and caring services on a global scale.

In China, you can directly use your signature to confirm the transaction. If you are used to using signature and transaction password to confirm the transaction, you only need to call our 24-hour customer service hotline to enable the merchant transaction password verification service, and you don't need to enter the transaction password when signing a contract with an overseas merchant.

Whether you use this card at home or abroad, you can finally choose RMB for repayment to avoid the inconvenience caused by insufficient foreign exchange abroad. Time-saving, labor-saving and worry-free repayment methods allow you to arrange funds reasonably and travel and shop more freely.

The "Enjoy Life" reward program allows you to get a wide range of gifts for free while spending by credit card and enjoy your ideal life! Rmb consumption is accumulated per yuan 1 minute, and foreign currency consumption is accumulated by 8 points per yuan. We will launch a new bonus handbook every few months, and each issue has a different series of exquisite fashion gifts. Just dial the 24-hour customer service hotline, you can enjoy one-stop bonus exchange service and easily get your favorite gifts. Whether in a fashionable city, an ancient cultural city or a water town in the south of the Yangtze River, you can enjoy the preferential consumption of merchants in many cities across the country. The "Enjoy Superior" merchant preferential scheme allows you to enjoy the fashionable life at will, enjoy the surprises brought to you by five categories of merchants: wine and food, consumption and shopping, tourism and leisure, health and beauty, jewelry and beauty, and show your superior VIP status.

Bank of Communications Pacific Card Annual Fee

There is an annual fee for the Bank of Communications Pacific Card. According to the nature of the Bank of Communications Pacific Card, the annual fee is different: the Bank of Communications dual-currency Pacific Credit Card main card 200 yuan/year, the Puka main card 140 yuan/year; Bank of Communications single currency Pacific Credit Card Gold Card 120 yuan/year, Puka Card 80 yuan/year.

The Pacific Credit Card of Bank of Communications stipulates that the annual fee is free in the first year, and the annual fee for the following year can be exempted if the card is swiped six times in the first year. The annual fee for the third year can be waived six times in the second year, and so on.

Pacific Card of Bank of Communications is a kind of credit card, which has three functions: credit consumption, cash advance and transfer settlement.

expense

Late payment fee: 5% of the unpaid part of the minimum repayment amount of each installment;

Overlimit fee: the fee is 5% of the part exceeding the credit limit;

Cash withdrawal by local peers: 65438+ 0% of the transaction amount, with the lowest charge of 3 yuan;

Local inter-bank cash withdrawal: 65438+ 0% of the transaction amount, with the lowest charge of 3 yuan;

Cash withdrawal from peers in different places: 65438+ 0% of the transaction amount, with the lowest charge of 3 yuan;

Cross-bank cash withdrawal in different places: 65438+ 0% of the transaction amount, with the lowest charge of 3 yuan;

Cash withdrawal from overseas UnionPay: 1% of the transaction amount, with a minimum charge of 15 yuan;

Overseas non-UnionPay cash withdrawal: 65438+ 0% of the transaction amount, with a minimum charge of USD 3 and a maximum charge of USD 30;

Overseas emergency cash withdrawal: 65438+ 0% of the transaction amount, with a minimum charge of $3;

Recover the overpayment from local counterparts: 65,438+0% of the transaction amount, with a minimum charge of $3, a minimum charge of 3 yuan and a maximum charge of $30;

Recovery of local inter-bank overpayment: 65438+ 0% of the transaction amount, with a minimum charge of $3, a minimum charge of 3 yuan and a maximum charge of $30;

Recovering overpayment from peers in different places: 65438+ 0% of the transaction amount, with a minimum charge of $3, a minimum charge of 3 yuan and a maximum charge of $30;

Take back the overpaid part from different places and banks: 65438+ 0% of the transaction amount, with a minimum charge of $3, a minimum charge of $30 in 3 yuan;

Overseas UnionPay overpays for withdrawals: 1% of the transaction amount, with a minimum charge of $3, a minimum charge of 15 and a maximum charge of $30;

Overseas non-UnionPay overpayment withdrawal: 65438+ 0% of the transaction amount, with a minimum charge of $3 and a maximum charge of $30;

Overseas emergency card replacement fee: 175 USD, gold card loss reporting fee in 0 yuan, and Puka loss reporting fee of 35 USD;

Card replacement fee: 20 yuan;

Courier fee: 20 yuan;

Handling fee for making (mailing) statements: 5 yuan for each copy;

Loss reporting fee: 50 yuan;

Cost of resetting password letter: 20 yuan;

Obtain domestic purchase orders: 6 yuan, 6 yuan;

Obtain foreign purchase orders: 6 dollars for dual-currency cards and 6 dollars for dual-currency cards;

Experience evaluation of master and visa of bank of communications Pacific dual-currency credit card

Bank of Communications Pacific Card is divided into two series: Pacific MasterCard and Pacific Visa. Bank of Communications Pacific dual-currency credit cards master and visa both play dual-currency credit cards in two currencies. Who is better?

Service cost: the difference is mainly in the annual fee.

The annual fee of MasterCard is slightly higher than that of visa. Annual fee of main card 140 yuan, and annual fee of auxiliary card/70 yuan; The main card with higher fees is charged according to the annual fee of the main card 200 yuan and the annual fee of the auxiliary card 100 yuan. In other respects, the minimum repayment ratio is 10%, and the cash advance fee (for local peers) is 1% of the transaction amount, with a minimum of 10 yuan; The minimum late payment fee is 10 yuan or 1 USD.

There is another data for your reference, that is, the charge for overseas replacement cards. Once you accidentally lose your card abroad, you can report the loss to one of your two institutions for replacement in a short time. The fees charged by these two institutions are different, namely, Visa: 175 USD/piece and MasterCard: 148 USD/piece.

Advantages of MasterCard and Visa

MasterCard and visa are both Bank of Communications dual-currency cards, which are suitable for users with overseas payment needs. Dual-currency card refers to a bank card issued by many domestic banks with RMB and foreign currency settlement accounts, and with the logo of UnionPay and another international bank card organization. Dual-currency cards usually use RMB as the settlement currency in the settlement network of UnionPay in China, and foreign currency can be used as the settlement currency in the settlement network of international bank card organizations designated by the overseas dual-currency card logo. (Of course, countries with UnionPay network abroad can also settle in RMB). Dual currency card is a transitional product under the current foreign exchange control in China.

MasterCard and visa have RMB and USD accounts. If you often travel in Asia and Australia or spend money by credit card, then I suggest you choose VISA, because VISA accepts more merchants in Asia and Australia and is more convenient to use. The advantages of MasterCard lie in Europe and North America. Friends who often go to Europe and America can choose MasterCard.

So much for the introduction of Bank of Communications Pacific Credit Card.