1 annual fee
Y-POWER card: 80 yuan for one year; Free of annual fee in the first year, and free of annual fee in the next year by swiping the card for 6 times;
Standard credit card: Puka 80 yuan/year; Gold card 120 yuan/year. Free of annual fee in the first year, and free of annual fee in the following year if you swipe your card 6 times.
2. Interest-free period
The interest-free period of Y-POWER card and standard credit card is 25-56 days, so you can enjoy the consumption experience of credit card first and then repayment. The longest interest-free repayment period is 56 days.
3. Quotas
The credit card limit is determined by the bank according to the applicant's own conditions and economic strength. Credit card limit is between 1 0,000 and 1 0,000. If it is a standard credit card of Bank of Communications, the credit card limit is between 1 0,000 and 50,000.
4, integral rules
The Bank of Communications Y-POWER card is the same as the standard credit card, with 7 points for spending $65,438 +0, 7 points for withdrawing $65,438 +0, and points for consuming and sharing food. Y-POWER card points are valid for 2 years. Compared with the credit card points policy valid for 3 years, 5 years or even life, Y-POWER card points are shorter. You may not have enough points to redeem your favorite gift, so you must consider the problem of clearing points when they expire.
5. Cash withdrawal
The handling fee is as low as 5 yuan/transaction, and the cash withdrawal amount is as high as 100% of the credit card amount, whether it is interbank or in different places in the same city. Standard credit card local peer withdrawal, local interbank withdrawal, remote peer withdrawal and remote interbank withdrawal account for 1% of the transaction amount, with the lowest charge of 10 yuan and the highest charge of 500 yuan. Generally speaking, the withdrawal amount of a credit card is 50% of the credit limit.
6. Repayment
Whether you use Y-POWER or Bank of Communications standard credit card at home or abroad, you can finally choose RMB for repayment, thus avoiding the trouble of changing foreign exchange when spending abroad. The time-saving, labor-saving and worry-free repayment method allows you to get stuck in your hand and spend freely.
What's the difference between a white card and a black card of Bank of Communications Y-POWER Credit Card?
That is, the color of the card face is different, there is no essential difference, and the business function and credit line are the same. Y-POWER Credit Card is a dual-currency credit card specially created by Bank of Communications for the younger generation, with ultra-low cash withdrawal fee and ultra-high cash withdrawal quota, which is easy to rescue. Card features: Y-POWER has two cards: power black and vigorous white. Choose your attitude and show your brilliance. Y-POWER may become possible. Y-POWER gives you a strong backing, and strong power comes from the heart. Application conditions: Master card applicant qualification: Any individual who has reached the age of 18, has full capacity for civil conduct, has a legal and stable source of income and has a good credit status can apply for a personal credit card master card with his valid ID card. Qualification of supplementary card applicant: the main card holder of individual card can apply for supplementary card for natural persons with full capacity for civil conduct or limited capacity for civil conduct over 15 years old. If the applicant for the supplementary card is under the age of 18, the consent of its legal representative must be obtained. The cardholder of the main card shall bear all debts arising from the supplementary card.
Comparison between Bank of Communications Credit Card Y-POWER Card and Standard Credit Card PK
As a well-known credit card brand in China, Bank of Communications has relatively low application threshold, fast card approval speed and many banking activities. Today, I will introduce two credit cards of Bank of Communications: Y-POWER card and Bank of Communications standard credit card, and make a simple comparison from the aspects of card application, quota, annual fee, rights and interests, points and so on. If you meet your own card requirements, you can apply for one.
Bank of communications credit card comparison application
Y-POWER card: Any individual with full capacity for civil conduct and legitimate income can apply for a personal master card from the card issuing agency with his valid identity documents (including ID card, military officer's card, police officer's card, pass, home visit card, passport, etc.). ), which means that as long as he has income and no bad personal credit record, he meets the application conditions.
Standard credit card: The application threshold for applying for a standard credit card is also very low, as long as the applicant is over 18 years old, has a stable job and income, and has a good personal credit record. If you apply for a gold card, you need to submit additional financial proof, such as real estate license, vehicle driving license, deposit receipt, etc.
Comparison of credit card limits of Bank of Communications
The credit card limit is determined by the bank according to the applicant's own conditions and economic strength. Credit card limit is between 1 0,000 and 1 0,000. If it is a standard credit card of Bank of Communications, the credit card limit is between 1 0,000 and 50,000.
Bank of communications credit card comparison annual fee
Y-POWER card: 80 yuan for one year; Free of annual fee in the first year, and free of annual fee in the following year if you swipe your card 6 times.
Standard credit card: Puka 80 yuan for one year; Gold card for one year 120 yuan. Free of annual fee in the first year, and free of annual fee in the following year if you swipe your card 6 times.
Comparison of credit card rights and interests of Bank of Communications
Y-POWER card: This Carter has two card faces: power black and vitality white, which are free for card users to choose. This card is made for the younger generation and enjoys the discount of credit card consumption points. This card can be guaranteed by password+signature, and any consumption abroad can easily repay the loan in RMB, and can enjoy an interest-free period of up to 56 days.
Standard credit card: Bank of Communications standard credit card provides perfect credit card financial services, and provides real-time SMS reminder for each transaction, so that you can use the card with peace of mind; In addition, password signature, free choice; The interest-free repayment period can be up to 56 days; There are many preferential plans such as "Enjoy Life" and "Enjoy Superiority", so that you can enjoy the endless fun brought by swiping your card.
Key points of bank of communications credit card comparison
As the two most popular credit cards of Bank of Communications, Y-POWER card and standard credit card share preferential activities of Bank of Communications points, such as 5 times points on birthday and 10 times points for spending abroad. Brush points to offset consumption, share food, and let you enjoy it.
Can Bank of Communications Y-power Credit Card be used in Japan?
Yes Y-POWER can be used anywhere with Visa/Plus, MasterCard/Cirrus or China UnionPay logo.
Cost:
1. overseas unionpay cash withdrawal: 65438+ 0% of the transaction amount, minimum handling fee 15 yuan;
2. Overseas non-UnionPay cash withdrawal: 65438+ 0% of the transaction amount, with a minimum of $3 and a maximum of $30;
3. Overseas emergency cash withdrawal: 65438+ 0% of the transaction amount, with a minimum charge of $3.
Extended data:
For non-cash transactions (cash advance or transfer), the date from the bank bookkeeping date to the due repayment date is the interest-free repayment period. The shortest interest-free repayment period is 25 days and the longest is 56 days.
During this period, you don't need to pay any interest on non-cash transactions, provided that you pay the current payable amount (total amount owed) on the current statement in full (you don't enjoy the interest-free discount on cash advance).
The minimum repayment amount means that if the cardholder has difficulty in repaying all payables before the due repayment date (inclusive), he can repay according to the minimum repayment amount stipulated by the issuing bank, but he cannot enjoy the interest-free repayment period. The minimum repayment amount is 65438+ 00% of the consumption amount plus other payables. The minimum repayment amount is listed on the current bill.
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.
Bank of Communications adopts the method of revolving credit and interest bearing. 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. Revolving credit is a very convenient loan tool, which not only allows you to enjoy the convenience of swiping your card, but also is a good choice for you to manage your finances easily. If you choose to use revolving credit, you cannot enjoy interest-free repayment period in the current period.
Baidu encyclopedia-bank of communications Y-POWER black card
Baidu Encyclopedia-Bank of Communications MasterCard
How to apply for Y-POWER credit card?
Bank of Communications Y-POWER Credit Card is the easiest credit card to apply for among the credit cards issued by Bank of Communications. College students who have just graduated and just worked, as well as professionals who have never had a stable job with a credit card, can basically apply for a credit card as long as there is not much problem with credit information.
Y-POWER credit card application conditions:
1) aged between 18 and 30, with full capacity for civil conduct;
2) College degree or above;
3) Good credit record;
4) Have a stable job and a legitimate source of income;
5) Meet other conditions of Bank of Communications.
Bank of Communications credit card can be applied through various channels, and this Y-POWER credit card is no exception. Compared with the traditional bank counter, online application for Bank of Communications Y-POWER card is convenient and quick, and the application can be completed only by computer or mobile phone, thus avoiding the trouble of queuing up at the bank to apply for the card. Applicants who meet the above conditions can apply through various channels such as business outlets, Bank of Communications official website, WeChat and third-party platforms. A variety of application channels, online application or third-party platform application, get the certificate much faster, if you want to get the certificate smoothly, it depends on your qualifications; Counter application users can submit more supporting materials to the bank, and the success rate of issuing cards and the approved amount are higher.
How does Bank of Communications handle Y-power credit card?
Just go to any branch of Bank of Communications to fill in the application form of Y-POWER credit card, copy your ID card, submit it to the bank of Communications handling personnel, and then verify it by SMS and telephone, which takes about 20 days.
Qualification of supplementary card applicant: the main card holder of individual card can apply for supplementary card for natural persons over 65,438+05 who have full or limited civil capacity. If the applicant for the supplementary card is under 65,438+08 years old, the consent of its legal representative must be obtained. The cardholder of the main card shall bear all debts arising from the supplementary card.
Conditions for handling Y-power credit card of Bank of Communications: College degree or above recognized by the State Education Commission, and stable job.
Many domestic banks have cooperated with international bank card organizations such as VISA and MasterCard to launch bank cards with RMB and USD settlement functions. In China, RMB settlement can be realized through UnionPay. After going abroad, you can spend and withdraw cash from merchants and bank ATMs that support VISA or MasterCard, and settle in US dollars.
Extended data:
Y-POWER Credit Card is a dual-currency credit card specially created by Bank of Communications for the younger generation, with ultra-low cash withdrawal fee and ultra-high cash withdrawal quota, which is easy to rescue.
When using the card, when the amount you repay 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.
Credit cards can be classified in many ways. As far as money is concerned, they can be divided into single-currency cards and dual-currency cards. Then, in China, we can say more accurately that money can be divided into dual-currency cards and RMB cards. Dual-currency generally refers to US dollars, RMB or Euro and RMB.
Baidu Encyclopedia-Bank of Communications MasterCard
Baidu Encyclopedia-Dual-currency Credit Card
This is the end of the introduction of ypower credit card and the initial limit of ypower credit card. I wonder if you found the information you need from it?