What is the difference between Bank of Communications Youth Card, Bank of Communications Ordinary Ca

1. If you need to work stably, you will be called to your unit to check the information.

In fact, credit cards belong to small personal loans, so the state tightens loans at the same time as tightening the credit card processing.

Therefore, it is difficult to apply for credit card approval at present.

Condition: Under the age of age.

2. Work by stably.

3. Generally, it is from the province, and the local area is the best, and there may be a higher amount.

4. College degree or above.

Therefore, you may not be able to get a youth card.

By China Merchants Bank Card. You can try to go to other banks to apply for cards from other banks, which may have higher requirements for work. Other banks are slightly lower.

Requirement 1: Graduate students.

2 After 03 years, college degree or above, graduation certificate, have a job.

3. The nature of the unit is good: public institutions, state-owned enterprises, top 500 enterprises, financial industry, etc.

If you are a college student, you can't apply for it, you can be admitted to graduate school, and you can get a graduate student certificate, and the Bank of Communications does not have a college student card at present.

Now it is relatively relaxed, and the conditions are good, and it is okay to have a college degree or above, but having a job is a prerequisite.

Hello, the application conditions for YP card are under 30 years old, with a college degree, and a stable job.

Bank of Communications' YOUNGPOWER (YP card) is mainly aimed at those who graduated in 2003 and later and have obtained a nationally recognized full-time higher education college degree to upgrade their academic qualifications.

The basic functions are the same as other credit cards of Bank of Communications.

It's just that the YP card provides a full cash advance (when other cards get a new card, usually only 50% of the limit can be withdrawn directly, while the YP card can withdraw all cash) and a cash withdrawal fee discount (3% of the cash withdrawal amount, a minimum of 5 yuan, and a minimum of 10 yuan for other cards).

Other functions such as interest-free installment, consumption SMS reminder and so on are the same.

The YP card is all black, and it is also more individual.

It's just that the amount of the YP card is not very stable, and it may be 10,000 when the card is approved, and it became 10,000 8 in 1 Zhiwu month, and it became 10,000 in the third month. For other cards, under normal use, if the cardholder does not apply for it, there will basically be no reduction in the limit.

There is also the fact that the YP card does not have a gold card, only a general card.

No Annual Fee RulesThe annual fee is waived for the first year of the BOCOM Youth Card. If you swipe your card more than 6 times in the following year, you can waive the annual fee

Annual feeThe annual fee for the Youth Card of the Bank of Communications is charged as the main card140 yuan per year, 70 yuan per year for supplementary cards> Bank of Communications Y-Power Credit Card.

Reserve land (up to 100% cash withdrawal amount, cash withdrawal fee as low as 5 yuan per stove cracked pen).

Advantages and characteristics of the Youth Card of the Bank of Communications

Quota free

The maximum amount that can be handled for the Youth Card of the Bank of Communications is 50,000, which is the standard of the gold card.

As long as the applicant has a good and stable working income, is a local permanent resident, does not have any bad credit history, and provides relevant information, he can apply for a high-limit credit card.

The limit that some users have just applied for may be relatively low, but with the development of personal work, the increase in consumption level, and the frequency of card use, the bank will automatically adjust the limit from time to time.

Cash withdrawal is convenient

Domestic RMB cash withdrawals, regardless of peers across banks or in the same city or city, will be charged a fee of 5 yuan.

The cash withdrawal limit is 100%, and when other cards receive a new card, only 50% of the amount can be withdrawn directly, while the youth card can be withdrawn in full, and the ordinary card is the same as the gold card, which is more convenient.

Fashionista

The Youth Card is divided into black and white, and the card design is fashionable and energetic, which is loved by many young people.

Overseas consumption

The Bank of Communications Youth Credit Card has also developed some special features for young people, including the Bank of Communications's first "Divide if you want", an interest-free installment payment plan with no restrictions on merchants and commodities, and you can contact Customer Service for details** Bank of Communications Y-Power Credit Card.

Up to 100% cash withdrawal amount, cash withdrawal fee as low as 5 yuan per transaction).

Handling fee for withdrawal of cash from the code group.

Bank of Communications Youth Card withdrawal fee: 5 yuan, unlimited amount, the same as the gold card, regardless of region, inter-bank and non-local model are charged according to the regulations.

2.Installment feeApply for installment repayment for a single consumption:

Minimum spending amount is RMB 500.

Installments 3 6 9 12 18 24

500 (inclusive) - 6500 monthly handling fee.

6500 (inclusive)-12500 monthly handling fee rate (12500 (inclusive) or more monthly handling fee rate.

3.Annual feeThe annual fee for the Youth Card of the Bank of Communications is 140 yuan per year.

4.Late fees (per transaction).5% of the outstanding minimum payment, with a minimum of RMB 10 and USD 1.

Loss reporting fee.

RMB 50.

The annual fee for the Y-Power card is 140 yuan per year for the main card and 70 yuan for the supplementary card.

The current preferential policy is that the annual fee for the first year is waived, and if the card is used for 6 times in the first year (regardless of the amount), the annual fee for the next year is also waived.

**Card production cost: RMB; Non-** card production cost: RMB.

The SMS service is free of charge. Handling fee for card replacement in case of damage: RMB.

Handling fee for reproducing cryptographic letters: RMB. Supplemental Statement Handling Fee:

The human wheel god Bu Min coin. Handling fee for loss reporting: RMB.

Credit card points discount activities are undoubtedly the most attractive to users, the points exchange rules of major banks are different, and the points activities of Bank of Communications are even more varied, so does the Bank of Communications Youth Card have points? How are points converted, and what gifts can be redeemed?

Integral methodSpend 1 yuan and earn 1 point.

Withdraw 1 yuan and earn 1 point.

8 points for spending $1.

Withdraw 1 USD worth 8 points.

Expiration date of pointsThe fixed validity period is 24 months, and the points will expire month by month, and the expiration date is the end of each self-stove split month" Bank of Communications Y-Power Credit Card.

Up to 100% cash withdrawal amount, cash withdrawal fee as low as 5 yuan per transaction).

**Bank activation process

1) Please call Customer Service** on the back of your credit card, select the appropriate language, and enter your 16-digit credit card number and tracking password.

2) According to the voice prompts, select"Card activation, password management and other services"Card Activation option under the menu.

3) Enter the last 3 digits printed on the signature field on the back of your card and press the number button to confirm.

4) Enter your home** or mobile phone number (no need to enter **area code and extension number), press the number button to confirm.

5) If the activation is successful, please enter 6 digits as your transaction password and press the number button to confirm.

6) Enter the 6-digit transaction password again and press the number button to confirm.

Official website activation process

1 Enter the homepage of Bank of Communications and click [My Credit Card].

2 Select [Card Activation] on the [My Credit Card] homepage.

3 Enter the card number, ID number, verification code, and verification code according to the interface prompts (click [Send Verification SMS] to obtain the verification code) and activate, and you can set the query password and transaction password after successful activation.

Online Banking Activation Process

1) Please credit card** on the left"Online business hall"Columns"E-banking"。

3) Enter the user's online banking operation interface and select the"Credit card activation"。

4) Dynamic verification code: Enter the 6-digit dynamic password (alphanumeric combination) received by the bound mobile phone, please pay attention to confirm the dynamic password serial number.

Checksum: Enter the card checksum, which is the last 3 digits printed on the signature field on the back of your credit card.

5) If the activation is successful, set a 6-digit trading password.