First, the basic charging policy of Everbright Bank's credit card
1, annual fee policy. The basic annual fee policy of Everbright Bank's credit card is "free of annual fee in the first year, and free of annual fee in the following year after swiping the card three times". Recently, the official credit cards issued by China Everbright Bank, the official credit card of the central budget unit, the VISA Olympic theme credit card, the Beijing special housing maintenance fund card, and the official credit card of the Shaanxi budget unit all implement the preferential policy of free annual fee for life.
2, interest-free repayment period. The longest interest-free repayment period of Everbright Bank's credit card is 50 days, which has no advantage compared with other banks. The longest interest-free repayment period of ICBC credit card and ABC credit card is 56 days.
3 Minimum repayment ratio. The minimum repayment ratio of most bank credit cards is 10%, and China Everbright Bank is no exception. But at present, Huaxia Bank, Shenzhen Ping An Bank and other new card-issuing banks have reduced this ratio to 5%, which is good news for friends who often overdraw.
4. Cash withdrawal policy. The cash withdrawal function of Everbright Bank's credit card is not strong. The cash withdrawal amount is only 30% of the credit line, and it is charged at 0% of the cash withdrawal amount of 65438+. In contrast, China Merchants Bank has increased the withdrawal amount to 100% of the credit line, while ICBC's credit card has implemented the free policy of withdrawing excess repayment.
5. International settlement fee. The international settlement fee of China Everbright Bank's credit cards is only 1. 1%, while the international settlement fee of most bank credit cards is above 1.5%. For friends who often go abroad in non-US dollar areas, Everbright Bank credit card can provide real discounts.
Second, the basic functions of the credit card of China Everbright Bank
1, installment payment. The free installment payment of Everbright Bank's credit card is not limited by the amount, and there is no need to purchase designated goods. However, the number of installments is fixed at 12, and the handling fee for each installment is 0.5 ‰ of the installment amount, with a minimum of 1 yuan. In addition, the credit card of China Everbright Bank also provides the functions of mail order staging, shopping mall staging and travel staging, among which travel staging is currently limited to four tourist routes. For the specific installment payment, please click on the installment payment inquiry of China Everbright Bank.
2. Give aviation accident insurance. Pay more than 80% of the air ticket or tour fare by using the credit card of China Everbright Bank, and the maximum aviation accident insurance of 1 10,000 yuan can be obtained for the gold card and 500,000 yuan for the ordinary card.
3. Card loss protection service. After the credit card is lost or stolen, the cardholder can apply to China Everbright Bank for compensation for the fraudulent transaction losses that occurred within 48 hours before the loss was reported. The total amount of main card and supplementary card of ordinary card shall not exceed 5,000 yuan (inclusive) per year, the total amount of main card and supplementary card of gold card shall not exceed 10000 yuan (inclusive) per year, and the total amount of main card and supplementary card of platinum card shall not exceed 30,000 yuan (inclusive) per year.
4. repayment method. Generally, it is necessary to repay through the outlets of China Everbright Bank. If you use other banks to transfer money for repayment, you need to pay a handling fee. At present, China Everbright Bank is promoting the repayment of "Lacarra Convenient Payment" outlets, and the promotion period is temporarily free of handling fees. But on the whole, due to the limited bank outlets, it is not convenient for Everbright Bank to repay credit cards.
5. Points policy. If you use the credit card of China Everbright Bank to spend or withdraw 1 RMB, you can get 1 points, and if you spend or withdraw 1 USD, you can get 8 points. Most banks implement this point standard, and the key is to compare what kind of gifts a point can be exchanged for.
Three. Main types of credit cards of China Everbright Bank
1, business travel credit card. This kind of credit card is mainly issued by the company, which can help the company improve the management of travel expenses and facilitate employees to reimburse travel expenses. At the same time, the unit can also provide cardholders with higher consumption quota protection. Generally, this kind of credit card also has the functions of free annual fee for life, giving aviation accident insurance, and 48-hour card loss protection. Business credit card, central budget unit business credit card and sunshine business credit card all belong to this kind of credit card.
2. Sports credit card. This kind of credit card takes sports as its theme, and its main function is either to facilitate the purchase of tickets for a certain sports event or to go to cooperative venues for sports at preferential prices. The main function of Formula One racing credit card is to watch all kinds of racing events and buy souvenirs of Shanghai International Circuit at preferential prices. Unionpay Golf Credit Card holders can play golf in the cooperative course with a discount of 3-6%. Sports theme credit card has no special function, and its main features are novel card face and vertical design. China's calligraphy "Dreams come true" is the main pattern, which embodies the humanistic concept of "China people hold the Olympic Games". The main function of VISA Olympic theme credit card is to facilitate the purchase of Olympic tickets.
3. Charity credit card. This kind of credit card is generally based on a charity activity, and China Everbright Bank donates to this charity activity according to the cardholder's card handling or credit card consumption. Mother's Water Cellar-Love Credit Card features that China Everbright Bank donated one thousandth of the credit card consumption to the charity event "Love the Earth: Mother's Water Cellar". The characteristics of Wuhan Hope Credit Card are as follows: everbright Bank donates 20 yuan to Wuhan Youth Development Foundation for each card successfully issued; Every time a cardholder swipes a card, China Everbright Bank donates 0. 1 yuan to the fund.
4. Car/gasoline credit card. Everbright Bank has never issued a real car/gas credit card. Everbright/Wanxing Co-branded Credit Card is only issued in Shanghai, and can be used as the membership card of Shanghai Wanxing Automobile Company, enjoying the automobile sales, insurance and other services provided by the company. Everbright/Anbang Club co-branded credit card can be used as the membership card of Anbang Club, and enjoy preferential services such as installment payment, rescue, auto insurance, car repair, beauty treatment and modification.
5. Shopping and spending credit cards. There are many such credit cards, generally co-branded cards issued by China Everbright Bank and specific merchants or institutions. They can enjoy shopping discounts as joint membership cards. Qingdao sunshine gourmet credit card can enjoy preferential treatment in more than 400 catering and entertainment merchants in Qingdao. Everbright/Farrell co-branded credit card, Everbright-China Unicom general points co-branded credit card, Shenzhen co-branded credit card, Shenzhen Sun Department Store co-branded credit card, Everbright-Fashion co-branded credit card, Zhengzhou Zhengdao Garden Yanhuang credit card and Everbright credit card can all receive preferential services in the corresponding merchants.
6. Other special credit cards. The slogan of Yanhuang Credit Card is "Global Chinese * * *", which is actually a credit card for high-end customers (including overseas compatriots in China). Cardholders can enjoy VIP outpatient expert appointment, international outpatient diagnosis and treatment, appointment of home visits and other health service functions at the membership price; Obtain financial services such as VIP wealth management; Self-driving travel can get the automobile road rescue service provided by China Everbright Bank. Buy air tickets to get aviation accident insurance (up to 6,543,800 yuan). Baby-friendly credit cards can provide professional photography, expert early education, discounts on visiting aquariums, and beauty protection for women. Kunming Sunshine Water Card has the function of automatically withholding water charges. Beijing housing special maintenance funds can check the housing special maintenance funds paid by cardholders. Digital China Distribution Credit Card is a co-branded card used by Digital China Company and its distributors for distribution and purchase.
7. Standard credit card. Sunshine Credit Card is a standard credit card issued by China Everbright Bank. In addition to the basic functions of credit cards, we also jointly developed the business travel service function with Ctrip. It can book travel products (air tickets, hotels, etc.). ) price concessions, credit card spending can get double points. Ruyi Sambo Credit Card is a credit card specially designed for families. It is aimed at three objects in the family: father, mother and children. The card surface is designed with the sun, moon and stars, reflecting good luck and good wishes. "Fu" credit card takes "Fu" as the card surface, and Everbright Bank provides a combination of standard card and mini card.
Four. China Everbright Bank Credit Card Handling Guide
1, China everbright bank hotline: 95595.
2. Representative of China Everbright Bank: Click Query.
Verb (abbreviation of verb) China Everbright Bank Credit Card Points Exchange Guide
Credit card holders of China Everbright Bank can accumulate points (unless otherwise specified) when they hold valid China Everbright Bank credit cards to spend or borrow money in advance, and the accumulated points can be used to exchange bonus gifts, gift certificates or related value-added services.
When a cardholder purchases a large amount at one time, the total amount of goods or services purchased will be divided into several periods (months) on average, and the repayment amount will be paid on time every month (period).
At present, there are three kinds of installment payment services that domestic credit card holders can enjoy:
Shopping center installment payment
Mail order installment payment
Bill installment payment
The starting point and emphasis of these three stages are different, and the use mode and cost are also different.
Shopping center installment payment
Also known as POS staging, it means that cardholders go to shopping places, such as "shopping malls" where staging can be carried out. When you check out, you need to pay by installment with a credit card that supports installment in this mall. Then the cashier will swipe the card on the special POS machine according to the number of periods required by the cardholder (such as 3 periods, 6 periods, 12 periods, etc.). There are also a few shopping malls that support the 24 th issue).
Note: When staging in the mall, you need to verify the identity of the cardholder and remember to bring your ID card.
Shopping malls are generally free in three stages. The rates for Stage 6 and Stage 12 vary from bank to bank. As long as the goods are sold normally in shopping malls, they can generally be paid by installments. In many cases, cardholders can also bundle multiple items together to settle accounts, and then pay in installments.
Mail order installment payment
It means that the cardholder receives the installment mail order catalog manual sent by the issuing bank (or the online installment mall of the bank) and chooses from the limited commodities. Then the bank orders in installments through online installment mall, telephone or fax installment application form, etc.
Generally, there is no handling fee for mail order installment regardless of the number of installments. However, due to the long ordering cycle (in many cases, it takes more than 15 working days to get the goods), and the return is relatively complicated. It is recommended to compare before buying.
Bill installment payment
This is the most convenient staging method, which can be basically supported by all issuers, and the application is simple. Users only need to apply to the issuing bank for installment by phone after spending their credit cards and before sending monthly bills. However, it should be noted that banks will stipulate some special circumstances, such as speculative credit cards can not be successful in installments. So before the trial run, be sure to read the trial run manual carefully.
The disadvantage of bill installment is that it can't exempt the handling fee. The longer the number of installments, the higher the handling fee, and the cardholder must bear it himself.