Service charge for repayment of digital currency credit card
Publish: 2021-05-18 21:27:12
1. At present, there are several ways to withdraw cash by credit card: first, online cash, which needs professional people to realize, such as ten & quot; A & quot; First 577, then 43, and then 222. Remember to read the numbers together. The second way is to insert the card directly into ATM, input the password, click to withdraw money, select or input the amount of withdrawal, and then wait for the cash to be issued. The third kind: the counter withdraws cash directly to the counter, gives the credit card to the teller, tells him the amount of cash you want to withdraw, then she will handle it for you, withdraws cash or transfers to the bank card. The fourth: online transfer and cash withdrawal, landing in the bank credit card account, can be app, computer-side online banking, find the entrance of credit card cash withdrawal, then go through the cash withdrawal proceres, and transfer the money into the savings card< 1. GF: 5.5 yuan for each transfer, plus 5 / 10000 deposit fee, minimum 1 yuan and maximum 20 yuan
2. General: the handling charge is 0.5% of the remittance amount, with a minimum of 5 yuan and a maximum of 50 yuan
3. Post: charge 0.5% of the remittance, up to 50 yuan
4. People's Livelihood: 1W (including) RMB remittance from other banks, the electronic transfer fee is 5 yuan, and the handling fee is 0.5 yuan; 1W -- 10W (including) RMB remittance from other banks, the electronic transfer fee is 10 yuan, and the handling fee is 0.5 yuan; 10w-50w (including) RMB remittance from other banks, the electronic transfer fee is 15 yuan, and the handling fee is 0.5 yuan; 50w-100w (including) RMB remittance from other banks, the electronic transfer fee is 20 yuan, and the handling fee is 0.5 yuan; More than 100W, charge according to 0.02 ‰ (up to 200 yuan) of the remittance amount
5. Shanghai Pudong Development Bank: charge according to 0.8% of the remittance amount, with a minimum of 2 yuan and a maximum of 40 yuan
6. CITIC: charge 1% of the remittance amount, with a minimum of 10 yuan and a maximum of 50 yuan.
2. General: the handling charge is 0.5% of the remittance amount, with a minimum of 5 yuan and a maximum of 50 yuan
3. Post: charge 0.5% of the remittance, up to 50 yuan
4. People's Livelihood: 1W (including) RMB remittance from other banks, the electronic transfer fee is 5 yuan, and the handling fee is 0.5 yuan; 1W -- 10W (including) RMB remittance from other banks, the electronic transfer fee is 10 yuan, and the handling fee is 0.5 yuan; 10w-50w (including) RMB remittance from other banks, the electronic transfer fee is 15 yuan, and the handling fee is 0.5 yuan; 50w-100w (including) RMB remittance from other banks, the electronic transfer fee is 20 yuan, and the handling fee is 0.5 yuan; More than 100W, charge according to 0.02 ‰ (up to 200 yuan) of the remittance amount
5. Shanghai Pudong Development Bank: charge according to 0.8% of the remittance amount, with a minimum of 2 yuan and a maximum of 40 yuan
6. CITIC: charge 1% of the remittance amount, with a minimum of 10 yuan and a maximum of 50 yuan.
2.
since March 26, 2019, the service charge will be charged through Alipay to the credit card repayment. The credit card repayment within 2000 yuan will not be charged. Only the excess part will receive a 0.1% service charge.
the basic free repayment amount of 2000 yuan is paid according to the natural month, that is, 0:00 on the first day of each month, 23:59:59 on the last day of each month, and the unused free repayment amount of that month is cleared, which cannot be accumulated to the next month. If users need to upgrade their free quota, they can be exchanged through Alipay membership points. p>
you can withdraw the money from yu'ebao to your own debit card, and then use online banking to repay the credit card for free. And if Alipay App directly uses credit cards in the balance, it is necessary to follow the new rules of repayment, that is, the 2000 yuan free quota, and the excess part will be charged by 0.1%. P>
extended information:
had already made two charges adjustment before Alipay announced the payment of credit card charges. In July last year, wechat announced that since August 1, 2018, each wechat credit card repayment will be charged at 0.1% of the repayment amount (the amount of service charge will be calculated to two decimal places, with a minimum of 0.10 yuan)
as for the above changes in the service charge standard, wechat explained that the service charge of payment channel will be generated behind each repayment. In order to enable the majority of users to enjoy some free proct experience, Tencent TenPay has been investing the cost to subsidize the service charge. In recent years, with the rapid development of credit card repayment business, the cost of channel service charge is also growing rapidly
and WeChat charge the credit card repayment is that Alipay also said in February 21st that the reason for the charge was "the rapid increase in the cost of comprehensive operation". The regulation of credit card repayment is to alleviate some of the cost pressure. p>
3. Different banks are different:
■ China CITIC Bank credit card: charge 2.5% for 12 periods
■ Bank of China installment: 1.95% for 3 periods, 3.6% for 6 periods, 5.4% for 9 periods, 7.5% for 12 periods, 11.7% for 18 periods, 15% for 24 periods
■ CMB bill installment: 2.6% for 3 periods, 4.2% for 6 periods, 12 issues 7.2%
■ ABC standard card: 0.6% per month
■ bocom installment: 0.72% per month
■ ICBC (RMB) card: 3 issues free of charge, 6 issues 1.8%, 9 issues 2.7%, 12 issues 3.6%, 18 issues 5.85%, 24 issues 15.6% (one-time charge)
■ CCB: 3 issues 0.7%, 6 issues and 12 issues 0.6%
■ Guangzhou card issuing: 6 issues and 12 issues 0.65%, 18 issues 0.7%,
, 72% per month
■ Everbright Bank standard card: apply for installment repayment before consumption, 12-month installment, and charge 0.5% per month. There are 3, 6, 9 and 12 phases of the bill, and the handling charges are 2%, 3%, 4% and 5% respectively
charged every month
■ Pudong development standard Puka: 0.72% for 3 phases, 0.7% for 6 phases and 0.66% for 12 phases (charged every month).
■ China CITIC Bank credit card: charge 2.5% for 12 periods
■ Bank of China installment: 1.95% for 3 periods, 3.6% for 6 periods, 5.4% for 9 periods, 7.5% for 12 periods, 11.7% for 18 periods, 15% for 24 periods
■ CMB bill installment: 2.6% for 3 periods, 4.2% for 6 periods, 12 issues 7.2%
■ ABC standard card: 0.6% per month
■ bocom installment: 0.72% per month
■ ICBC (RMB) card: 3 issues free of charge, 6 issues 1.8%, 9 issues 2.7%, 12 issues 3.6%, 18 issues 5.85%, 24 issues 15.6% (one-time charge)
■ CCB: 3 issues 0.7%, 6 issues and 12 issues 0.6%
■ Guangzhou card issuing: 6 issues and 12 issues 0.65%, 18 issues 0.7%,
, 72% per month
■ Everbright Bank standard card: apply for installment repayment before consumption, 12-month installment, and charge 0.5% per month. There are 3, 6, 9 and 12 phases of the bill, and the handling charges are 2%, 3%, 4% and 5% respectively
charged every month
■ Pudong development standard Puka: 0.72% for 3 phases, 0.7% for 6 phases and 0.66% for 12 phases (charged every month).
4. At present, the common credit card repayment methods in China are as follows (according to the cost):
1. Repayment within the issuing bank
the repayment methods mainly include: issuing bank counter, ATM, online banking, automatic transfer, telephone bank repayment, etc. After repayment, the credit card limit will be restored immediately, and the payment can be recorded after being processed by the system on the same day
2. Convenience store repayment
convenience store repayment is mainly completed through the "lakara" intelligent payment terminal installed in the convenience store. Generally, it takes 2-3 working days to get to the account. At the same time, there is no service charge for repayment in this way
3. network repayment
at present, the most common network repayment methods in China are: UnionPay online, fast money, Sheng Futong, Alipay and so on. Choosing different platforms and banks will lead to different charging standards and payment arrival time
4. Inter bank transfer / remittance repayment
inter bank transfer / remittance repayment is mainly divided into two ways: inter-bank in the same city and inter-bank in different places. No matter which way to transfer or remit money, the remitting bank will charge a certain fee. At the same time, the time of payment arrival and the convenience of repayment are not as good as intra instry repayment, online repayment and convenience store repayment
5. Repayment through counter link
counter link refers to the bank card issued by various networked financial institutions, which concts RMB current deposit and withdrawal transactions through the counter of other bank outlets registered in the host system of UnionPay exchange center. Payment by credit
6. Payment by credit
smart card phone is an innovative electronic proct independently developed by China UnionPay, certified by the bank card testing center, and supported by financial services provided by China UnionPay's inter-bank information exchange network
7. Credit card repayment link
for repayment, the charges are generally charged according to the charging standards of inter-bank transfer in the same city and inter-bank transfer in different places stipulated by the local people's Bank of China.
1. Repayment within the issuing bank
the repayment methods mainly include: issuing bank counter, ATM, online banking, automatic transfer, telephone bank repayment, etc. After repayment, the credit card limit will be restored immediately, and the payment can be recorded after being processed by the system on the same day
2. Convenience store repayment
convenience store repayment is mainly completed through the "lakara" intelligent payment terminal installed in the convenience store. Generally, it takes 2-3 working days to get to the account. At the same time, there is no service charge for repayment in this way
3. network repayment
at present, the most common network repayment methods in China are: UnionPay online, fast money, Sheng Futong, Alipay and so on. Choosing different platforms and banks will lead to different charging standards and payment arrival time
4. Inter bank transfer / remittance repayment
inter bank transfer / remittance repayment is mainly divided into two ways: inter-bank in the same city and inter-bank in different places. No matter which way to transfer or remit money, the remitting bank will charge a certain fee. At the same time, the time of payment arrival and the convenience of repayment are not as good as intra instry repayment, online repayment and convenience store repayment
5. Repayment through counter link
counter link refers to the bank card issued by various networked financial institutions, which concts RMB current deposit and withdrawal transactions through the counter of other bank outlets registered in the host system of UnionPay exchange center. Payment by credit
6. Payment by credit
smart card phone is an innovative electronic proct independently developed by China UnionPay, certified by the bank card testing center, and supported by financial services provided by China UnionPay's inter-bank information exchange network
7. Credit card repayment link
for repayment, the charges are generally charged according to the charging standards of inter-bank transfer in the same city and inter-bank transfer in different places stipulated by the local people's Bank of China.
5. Pro, since March 26, 2019, the credit card repayment in Alipay will charge a minimum service charge of 0.1% yuan in accordance with the repayment amount of $0.10. For example, through the repayment of Alipay App, each person can enjoy a basic free repayment amount of 2000 yuan per month, and the excess part will be charged a service charge of 0.1%. There is no basic free repayment limit for PC repayment
the basic free repayment limit is shared by all accounts under the same ID card name and issued according to the natural month, that is, 0:00 on the first day of each month, and 23:59:59 on the last day of each month to clear the unused free repayment limit of the current month, which cannot be accumulated to the next month
after you have used the basic free quota, you can use the Alipay member points in the Alipay App repayment page to exchange more free quotas (automatic repayment and reservation repayment do not support the use of integral exchange).
the basic free repayment limit is shared by all accounts under the same ID card name and issued according to the natural month, that is, 0:00 on the first day of each month, and 23:59:59 on the last day of each month to clear the unused free repayment limit of the current month, which cannot be accumulated to the next month
after you have used the basic free quota, you can use the Alipay member points in the Alipay App repayment page to exchange more free quotas (automatic repayment and reservation repayment do not support the use of integral exchange).
6. If it is CMB credit card, normal consumption enjoy interest free period. Interest free period refers to the period from the bank account date to the e repayment date of the consumer transaction in which the cardholder repays all the repayable amount before the e repayment date (inclusive). If the cardholder fails to make full repayment in the current period, and the amount of outstanding repayment does not exceed RMB 10 or US $1, no additional interest and late fee will be charged for the consumption transaction that can enjoy interest free treatment
the maximum interest free repayment period is 50 days, unless otherwise agreed by the issuer and the applicant, but the maximum interest free repayment period shall not exceed the maximum interest free repayment period required by relevant laws and regulations
in the case of installment, it depends on the type, merchant and number of installments
in the case of cash withdrawal, the handling charge for domestic RMB cash advance is 1% of each cash withdrawal, and the minimum charge is RMB 10 per cash withdrawal; The handling charge for overseas cash advance is 3% of each withdrawal amount, and the minimum charge is 3 US dollars or 30 RMB per withdrawal (the minimum charge for American Express Centurion black gold card and American Express Centurion white gold card is 5 US dollars or 30 RMB per withdrawal). There is no inter-bank service charge for cash advance
cash advance does not enjoy interest free repayment. From the day of cash withdrawal to the day of repayment, interest is charged at the rate of 0.05% per day and compound interest is charged monthly. PS: there is no interest on the handling charge of cash advance by credit card.
the maximum interest free repayment period is 50 days, unless otherwise agreed by the issuer and the applicant, but the maximum interest free repayment period shall not exceed the maximum interest free repayment period required by relevant laws and regulations
in the case of installment, it depends on the type, merchant and number of installments
in the case of cash withdrawal, the handling charge for domestic RMB cash advance is 1% of each cash withdrawal, and the minimum charge is RMB 10 per cash withdrawal; The handling charge for overseas cash advance is 3% of each withdrawal amount, and the minimum charge is 3 US dollars or 30 RMB per withdrawal (the minimum charge for American Express Centurion black gold card and American Express Centurion white gold card is 5 US dollars or 30 RMB per withdrawal). There is no inter-bank service charge for cash advance
cash advance does not enjoy interest free repayment. From the day of cash withdrawal to the day of repayment, interest is charged at the rate of 0.05% per day and compound interest is charged monthly. PS: there is no interest on the handling charge of cash advance by credit card.
7. Hello! If you are repaying to CMB credit card, deposit through CMB self-service equipment or counter; Or through online banking, mobile banking and other transfer remittance repayment, do not charge fees
if you remit money to CMB credit card for repayment through other banks, please consult the service charge standard of the remitting party. There is no service charge for CMB credit card receiving and entering
if you still have questions, it is recommended that you solve the credit card problems anytime and anywhere through the credit card intelligent service platform. Click here for details & gt& gt; http://cc.cmbchina.com/Common/Default.aspx?pageid=zxkf1
if you remit money to CMB credit card for repayment through other banks, please consult the service charge standard of the remitting party. There is no service charge for CMB credit card receiving and entering
if you still have questions, it is recommended that you solve the credit card problems anytime and anywhere through the credit card intelligent service platform. Click here for details & gt& gt; http://cc.cmbchina.com/Common/Default.aspx?pageid=zxkf1
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