Help, about the question of the youth card of the Bank of Communications...

After the 11th of each month, the interest-free period is the longest, the interest-free period is 25-56 days, such as the 12th card interest-free period is the longest, your repayment date is the 5th of each month, if you swipe the card on the 10th of this month, repay before the 5th of the next month, if you swipe the card on the 12th, repay before the 5th of the next month, and just open the youth card to open online banking to shop on **.

Everyone's youth card has a fixed billing date, which is randomly assigned, and the billing date is the day when your previous consumption is aggregated and sent to you; The repayment date is the 25th day after the bill date, for example, the bill date is the 3rd, then the repayment date is the 28th, and you should pay off the consumption on the 3rd bill before the 28th at the latest, so as to enjoy the interest-free. If you spend on the 1st, then it will be returned to the 3rd of the month, then you should pay it off by the 28th of the month; If the consumption is on the 4th, it will be included in the bill on the 3rd of the next month, during which one month has passed, then 25 days after the bill date will be added, for a total of 56 (big month) or 55 days (small month). So for the longest interest-free period, you can spend the day after the bill date.

If you have just applied for a youth card, you must first go to the counter to open online banking, and you must bring your ID card and card, and then come back to register SMS password in the Bank of Communications credit card** before users can shop online. It is best to apply for a savings card from the Bank of Communications and open online banking, so that you can use the savings card to repay the credit card online; You can also establish an automatic repayment agreement between the debit card and the credit card, and when the repayment date comes, the credit card can be automatically repaid if there is enough money on the debit card, so that you can enjoy the interest-free period and enjoy the convenience without worrying about forgetting to repay.

The interest-free period is the longest until the 6th of the next month, and the interest-free period is 55 days. As long as you open online banking, you can shop in **, and if there is no Bank of Communications, the ATM of the Bank of Communications can also be returned. Or repay the loan online.

After the 11th of each month, it is more cost-effective to swipe the card, the interest-free time is long, the 12th card is interest-free for the longest, and the 10th or 11th card is interest-free for the shortest time of only 25 days or 26 days.

First of all, your personal ID card is a must.

2. If you have been buying social security and have purchased it for more than half a year, you can contact the clerk of the Bank of Communications to open the door and handle it directly.

3. You have a compliance work permit in the unit (compliance work permit: have the name of the company, have your own name, and have a department or position).

4. If you have bought a house in the local area and are taking a mortgage, you only need to tell which bank to mortgage in.

After graduating after the year (including 2003), college degree or above, 18-30 years old. Just tell which school you graduated in which year, and of course, it is better to have a copy of the graduation certificate.

6. The company can issue a certificate for you (the certificate template can be obtained from the bank, and I can also provide it if necessary) to prove that you are a formal employee of the company and stamped with the company's official seal.

PS: The annual income before tax is not less than 30,000 to meet the income requirement.

The above points only need to meet one of them, of course, the more complete the information, the easier it is to pass (I am an industry insider). Hope my answer is helpful to you, thanks.

The youth card of the Bank of Communications is a college diploma or above, and the amount approved is 5000You said that some people in Paila are 2000, that is a person who does not have a college diploma or above, you have a bachelor's degree, or work in a state-owned enterprise, just with these two items, the amount you apply for will not be less than 7000, you can provide all the information you can provide to one or a burning share, which can not only increase the approval rate but also increase the amount. Maybe you can get more than 10,000 quotas.

The use of credit cards is nothing more than the reasonable use of the interest-free period, and the problem is generally to repay on time.

1. If the credit card is generally consumed on the day of the bill date, it can enjoy the shortest interest-free period;

2. If you spend on the day after the bill date, you can enjoy the longest interest-free period;

For example, if the statement date of the credit card of the Bank of Communications is the 2nd of each month and the repayment date is the 27th of each month, then if the bill consumed on or before July 2 belongs to the bill on July 27, the repayment must be made before July 27, so that the interest-free period will be the shortest;

If it is consumed on July 3, it belongs to the bill on August 2, and the repayment should be made before August 27, and you can enjoy the longest interest-free period.

3. Credit card repayment

a. There is generally a three-day grace period after the repayment date of the credit card, and repayment within the grace period is deemed to be repaid on time;

1.If you pay it off in full, you won't incur any fees;

2.If the minimum repayment amount is repaid, the daily interest will be calculated from the date of consumption accounting;

b. If the repayment exceeds the grace period or the repayment amount is less than the minimum repayment amount stipulated by the bank, it will be deemed overdue, and the daily interest shall be calculated from the accounting date, and the late fee shall be charged according to 5 of the unpaid part of the minimum repayment amount, which shall be charged on a monthly basis.

The salary should be paid on the debit card on the 10th, and the credit card is recorded on the 13th, and I don't know which day the repayment date is. Assuming that the repayment date is the 25th, it is recommended to overdraft the consumption on the 14th and later, then the interest-free period will be about 40 days. If you overdraft on the 12th, you will have to pay it back on the 25th of the month.

Full repayment before the last payment date of the credit card is interest-free. The last repayment date of BOCOM credit card is the 25th day after the statement date. Your bill date is 13 (fixed), that is:

When the bill is generated, the transaction during the recording period is the 25th day after the last repayment date, that is, the transaction during the billing generation is recorded, and the last repayment date is the 25th day after the transaction, and so on.

Obviously, the interest-free period for consumption on the bill day is the shortest, with 25 days (brushing, repayment), and the longest consumption-free period on the first day after the bill date, with 56 days (brushing, repayment). It should be noted that there is an interest-free period for card purchases, and there is no interest-free period for cash withdrawals.

The salary is paid on the 10th, and it is best to change the bill date to the 17th, and the last repayment date is the 12th or 11th of each month.

1. Follow the prompts on the envelope to activate and set a password!

2. For more information, please contact customer service for detailed consultation!

3. You can withdraw cash from the ATM machine with the UnionPay logo, and the inter-bank fee will be charged.

4. The envelope has your bill date, and the last repayment date is 25 days after the bill date, for example, your bill date is the 5th, and the consumption before the 5th is to repay without interest before the 30th of the month, and the consumption after the 5th can be repaid without interest before the 30th of the next month. There is no interest-free period for cash withdrawals!

5. Inter-bank transfer will be charged! Try not to withdraw cash, it is better to spend directly by card.

Hey, just follow the instructions provided by the Bank of Communications and take a look, haha, simple.

Bank of Communications' youth card is also known as Y-Power card.

Each Y-Power has an exact initial credit limit, so young people should be equal. Although the starting point is the same, after holding the card for three months, Y Power's credit limit will have the opportunity to be upgraded, and the speed of the upgrade depends on your card performance. Swipe more cards, make more installments, and improve yourself is that simple!

When you consume, you can decide not only what to buy, but also how to buy! As long as you spend RMB500 or USD60 or more on any merchandise, you can activate the "Divide as you want" installment privilege. Wonderful dreams come true in an instant, turning all impulses into possible!

Domestic RMB cash withdrawals, regardless of peers, cities and places, the handling fee is as low as 5 yuan, and the cash withdrawal limit is as high as 100 of the credit card limit, so that you can withdraw it as easily as you want!

Bank of Communications Youth Card (Credit Card) is a credit brand product jointly launched by Bank of Communications and HSBC, and its user positioning 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 foreign study, business, research or travel needs, and are also a group of people with high living standards and willing to try new consumption habits."

Bank of Communications Youth Card can still be applied for now, application conditions:

1. Applicants must have a bachelor's degree.

2. Have a stable job.

3. Have full capacity for civil conduct.

4. Be able to provide your valid identity documents.

5. Other conditions required by the bank to be met by the applicant.

The hero upstairs said, "I have applied for a youth card in 02".

When pigs fly. It took almost 06 years for the Bank of Communications to launch the risk manager of the youth credit card department, saying that there were two reasons for the requirement after 03 years:

a, it is convenient to directly connect to the database of the Ministry of Education to query the authenticity of the diploma. (The Ministry of Education also charged us a fee) b, the card is aimed at young people under the age of 30. The restriction on the year of graduation is also to highlight the card's youth card attributes.

Is its overdraft a credit card or can it be withdrawn?

You can either swipe your card or withdraw the full amount. This is one of the features of this card.

However, it is recommended that you withdraw with caution. The interest rate is very high. (The annual interest rate is almost 18%-20%)......

Hello, yes, the advantage of that card is that you can withdraw cash in full, for example, your total quota is 10,000, then you can withdraw 10,000, other banks can generally only withdraw 5,000, if you don't understand, you can ask me or initiate a targeted help.

You can apply, I only applied for it on January 18 a year ago, and the card is now approved, and the amount is 5000It was only opened yesterday, so it is recommended not to withdraw cash directly. It is best to use it by swiping a card.

1.The annual salary is also 30,000 yuan, and the amount is 5,000. It will also have something to do with your unit, and your estimate must be around 7,000.

2.Bank of Communications' cards are all difficult to raise the limit, and they can only be invited by the bank to raise the amount, not to apply for the amount increase by themselves.

3. The maximum amount is 20,000.

4. Credit cards are all cancelled cards, and they cannot be cancelled in the bank. If you want to sell it, there is no trouble and obstruction.

The card under 2014, at that time, 5k limit, normal consumption repayment, automatic annual limit, current limit! The youth black card is still good, but now the policy restricts, 50% of the total amount of cash withdrawal! There is also a worry-free card, and the quarterly charge is 21 per quarter!

1. Friend, your annual salary is a little less, the estimated amount is 10,000, which is generally enough.

2. Compared with other cards, the youth card has many preferential policies (such as only 5 yuan per handling fee for cash withdrawal, and 1% minimum 10 yuan for other cards), and the youth card can only be applied for if you have a college degree or above under the age of 30. The amount of that thing, as long as you are using it regularly and repaying on time, you can basically withdraw it automatically once in the first half of the year, about 4000 each time, and then you can apply for a short-term increase in the limit when you need to use a large amount of money temporarily.

3. I am now 24,000, and I have seen 30,000 friends at the most, and I have never seen anything higher.

4. Now it is true that the card can only be cancelled through **, but as long as you don't owe money, it can be easily cancelled.

The youth black card can be used for three months to apply for the amount increase by yourself, and I also have a youth black card from the Bank of Communications, and the current limit is 10,000.

The amount that can be applied for with the BOCOM Youth Card is related to the applicant's personal circumstances. The better the personal credit status, the higher the amount you can get. The maximum amount that can be applied for with a youth card is 50,000 yuan.

At the beginning of the use of the card, the limit is often not high, and the limit will increase quickly if you use the card well in the later stage.

Bank of Communications credit card application conditions.

Chinese citizens with full civil capacity, legal and stable income, foreigners and compatriots from Hong Kong, Macao and Taiwan who are between the ages of 18 and 65 (18 to 30 years old for the Youth Card) and have full capacity for civil conduct, as well as foreigners and compatriots from Hong Kong, Macao and Taiwan who have the right of abode in China, can apply for a Bank of Communications credit card.

In addition, the application conditions for different types of cards:

1. New card: Customers who have never owned a principal card of Bank of Communications credit card or have had a card cancelled for more than half a year. Customers who apply for a card online must be customers who hold a second-generation ID card and have never owned a principal card of Bank of Communications credit card.

2. Additional card: Customers who currently have a principal credit card of Bank of Communications.

3. Card application: customers who have a main credit card of other domestic banks and have held the card for more than half a year.

4. Apply for an additional card: at least 16 years old, and the principal card holder is a parent, child, spouse or other immediate family member (the minimum name of each principal card is limited to 3 supplementary cards, and the principal card of youth card, business card and boss card cannot be applied for supplementary card).

The credit card limit will give you 30,000 at most. The amount you can increase depends on your ability to repay each month. It looks like an application once every 3 years. There will definitely be a handling fee for canceling the card.