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Reprinted from 372507314 at 22:08 on January 22, 2010 Reading (loading. ..) Comments (0) Category: mean?
Part I: Online bank charges
Please look at, and is the online bank transfer! Not a bank counter and sink! Fees on the counter expensive than online banking.
our local transfers:
banks do not need fees. But there is one exception, the postal savings to charge 0.5%.
our off-site transfers:
ICBC: 0.9%, the lowest 0.9 yuan / T, the highest 45 yuan / pen. (The counter is 1%, the highest 50)
ABC: 0.4%, the lowest 1 yuan / T, up to 20 yuan (counter fee is 0.5%, up 50 yuan)
Bank of China: Province: fee-free
provinces: If the person is a bank card: Transfer the amount of 0.06% (that is, six ten thousandths), the lowest 1 yuan / T, up to 12 yuan / pen.
book if the other party is: 1 yuan (inclusive): 7 million. 10 000 -10 million (including): 13.5 million. 10 million -50 million (including): 20. 500 000 -100 million:
26.5 million. (2009.7.1? 2009.9.30 date, the Bank charges and electronic transfer fees 5 discount)
CCB: 0.25%, the lowest 2 yuan, up 25. (Counter fee is 0.5%, the highest 50)
Bank of
: 0.15%, the lowest 1 yuan / T, up to 50 yuan / pen. (Counter fee is 0.5%, the highest 50)
investment: 0.2%, the lowest 5 yuan, the highest 50. (Welcome to add the counter charges)
GF: 0.05% charge for a maximum of 20 yuan, the lowest of not less than 1 yuan. (Welcome to add the counter charges)
Everbright: 0.5%, up to 6 million. (Welcome to add the counter charges)
Post: 0.5%, the highest 50. (Counter fee of 1%, maximum 50)
livelihood: 0.1%, the lowest 1 yuan, up 50. (Welcome to add the counter charges)
Shanghai Pudong Development: Free (fee welcome counter supplement)
CITIC: 0.2%, minimum 10 yuan, the highest 50. (Welcome to add the counter charges)
China: 0.1%, the highest 5 yuan
city Interbank funds transfer fee
Business: 0.9%, the lowest 0.9 yuan / T, up 45 yuan / pen. (Welcome to add the counter charges)
ABC: Agricultural Bank of China real-time arrival, 0.5% received a maximum of 35 yuan. Payment Transfer: 5000 yuan and 2 yuan / T, 5,000 -1 million, 3 / T, 50 000 -10 yuan, 5 yuan / pen. 10 million or above, 8 / pen.
Bank of China: 1 million or less (inclusive): 5.5 million. 10 000 -10 million (including): 10.5 million. 10 million -50 million (inclusive): 15.5 million. 500 000 -100 million: 20.5 million .
CCB: 0.5%, the lowest 2 yuan, up 25. (Welcome to add the counter charges)
cross the line: 0.2%, the lowest 2 yuan / T, the maximum 20. (Welcome to add the counter charges)
investment: 2 yuan / T (not including postal savings). (Welcome to add the counter charges)
GF: 0.2%. Up to 30 yuan. (Welcome to add the counter charges)
Everbright: 0.5%, the minimum is 5 yuan to 15 yuan (normal transfer). 24-hour fast transfer: 5000 yuan and 2 yuan / T, 5,000 -5 million, 3 / T, 50 000 -10 million and 5 RMB / pen.
Post: 0.5%, the highest 50. (Welcome to add the counter charges)
livelihood of the people: 2 million (the counter supplement fee welcome)
SPD: 0.2%, the lowest 2 yuan, up 10 yuan. (Welcome to add the counter charges)
CITIC: 2 million. (Welcome to add the counter charges)
China: two business days from the transfer line of 0.6 yuan / T, a day to reach 1% of the remitting bank charges, up to 15 yuan, quick access to the remitting bank, is 1%, the highest 25 per
trans-regional transfer:
Business: 0.9%, the lowest 1 yuan / T, up to 50 yuan / pen. (Welcome to add the counter charges)
ABC: 0.5%; least 1 yuan, up 35 yuan. (Welcome to add the counter charges)
Bank of China: 1 million or less (inclusive): 5.5 million. 10 000 -10 million (including): 10.5 million. 10 million -50 million (inclusive): 15.5 million. 500 000 -100 million: 20.5 million .
CCB: 0.5%, the lowest 2 yuan, up 25. (Welcome to add the counter charges)
cross the line: 0.7%, the lowest 2 yuan / T, up to 50 yuan / pen. (Welcome to add the counter charges)
Investment: 1%, minimum 10 yuan, the highest 50. (Welcome to add the counter charges)
GF: 0.2%, up to 30 yuan. (Welcome to add the counter charges)
Everbright: 0.15%, up to 6 million. (Welcome to add the counter charges)
Post: 0.5%, the highest 50. (Welcome to add the counter charges)
livelihood: 0.1%, the highest 50
SPD: 0.8%,
エアマックス95, the lowest 2 yuan, up 40 yuan. (Welcome to add the counter charges)
CITIC: 0.5%, up to 25 yuan. (Welcome to add the counter charges)
China: If the remitting bank to reach a working day, is 1%, maximum 15. If you want to quickly reach the remitting bank, is 1%, maximum 25.
Daozhang Time:
Business: 1, the system real-time arrive, 50W more than the next day. 2, cross-system according to the time the People's Bank.
ABC: 1, real-time system 9:00-17:00 arrive. 2, cross 1-3 business days.
Bank of China: 1, real-time system 9:00-17:00 arrive. 2, cross 1-3 business days.
CCB: 1, 9:00-16:30 time arrive within the system. 2, cross 1-3 business days.
cross the line: the system real-time arrived, cross-system 24 hours a day.
investment: 1, the system: real-time city funds arrive, under normal circumstances, funds can be in different places within 2 working days of arrival. 2, cross: city in 2 working days arrival. Under normal circumstances, funds can be in different places within 5 working days of arrival.
GF: 1, the system :1-2 business days. 2, cross 1-2 working days.
Everbright: 1, the following real-time system arrive 1W, 1W over the next day arrival. 2, cross 1-2 working days.
Post: Not sure
livelihood: the system in real time. 1, the city votes to pay: Monday to Friday working days running, 1 to 2 working days arrival. 2,
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エアマックス, remote transfer: day running Monday to Friday, 3 to 5 business days arrival . 3, large amount of real-time payment: Monday to Friday 8:30 days? 17:00 run, half an hour to reach the other side the head office. 4, a small amount of real-time payment: 7X24-hour run, 2 hours to reach the other side the head office.
Shanghai Pudong Development: the system real-time arrived, cross-system 24 hours a day.
CITIC: all are 1-2 working days.
instance:
our remote exchange of 2,000 yuan, Bank of charges 3 yuan, China Merchants Bank 4 yuan, Bank of China (provinces) is 1.2 yuan, China Construction Bank is 5 yuan, the bank is 8 yuan, 18 yuan ICBC
remote Exchange 5000 Bank, Bank of China is a fee of 3 yuan, Bank of 7.5 yuan, 10 yuan China Merchants Bank, China Construction Bank is 12.5 yuan, the bank is 20 yuan, 45 yuan ICBC
Bank remittance 10000
remote, fee is 6 yuan Bank of China, Bank of 15 yuan, 25 yuan Construction Bank, Agricultural Bank of China 20 yuan, 20 yuan China Merchants Bank, ICBC, 45 yuan,
10000
trans-regional exchange, the Bank fee is 5.5 yuan, China Construction Bank was 25 yuan, the bank is 35 yuan, 45 yuan is ICBC, Bank of 50 yuan, 50 yuan China Merchants Bank
Comments of the online banking
:
ICBC: online payment you can, because they do not limit, the online payment is not recommended, 0.9% of the transfer fee is too high.
CCB: 0.25% fee livable. Recommended.
Bank of China: the transfer fee is very low, 24 hours a day can be traded at any time, it is strongly recommended (and I own is to use online banking Bank of China, no matter to which a bank transfer,
fees are very low)
ABC: web interface too corny, too impersonal, the operation is not very convenient, but also often a variety of small problems, often not on the registry
Bank of
: fee low, only 0.15%. Password convenient and safe mobile phone. When the line card to pay the other party is also recommended.
Merchants Bank: in the rules, give okay
Part II: the bank card city and trans-regional inter-bank cash withdrawal fee list
Industrial and Commercial Bank of China
: withdraw money from local ATM 4 yuan each; remote withdraw money from our ATM cash withdrawal limit of 0.5% each, minimum of 1 yuan, up 50 yuan; remote cross each ATM withdrawal fee of 4 yuan + withdrawal amount of 1%, 1% part of the minimum of 1 yuan, up 50 yuan;
Agricultural Bank of China: withdraw money from local ATM 4 yuan each; remote withdraw money from bank ATM withdrawal amount of 1% each, minimum 1 yuan; top 100. Trans-regional ATM withdrawal fee for each cash withdrawal limit of 2 million + 1%, the highest 100.
Bank of China: withdraw money from local ATM 4 yuan each; withdraw money from different places in the province, 9 yuan / T; withdraw money from outside the province,
结婚前结婚后, 12 yuan / T
China Construction Bank: withdraw money from local ATM 4 yuan each; remote withdraw money from ATM Bank 0.5% of the amount of each withdrawal is not capped; remote cross each ATM withdrawal fee of 4 Yuan plus 0.5% of the amount of withdrawals, minimum 4 yuan, is not capped.
China Merchants Bank: ATM cross each local 2 yuan / T; remote withdraw money from bank ATM cash withdrawal limit of 0.5% each; remote cross each ATM withdrawal fee for 2 yuan / T +0.5% (in different cities Merchants Bank card fees is not the same, I just said is in Changzhou, China Merchants Bank Card)
Bank: withdraw money from local ATM each 2 million; remote withdraw money from bank ATM cash withdrawal limit of 0.8% each; trans-regional ATM withdrawal fee for each withdrawal amount of 2 million + 0.8%;
Jiangsu Bank: free, fee-free province is also a remote cross the
Huaxia Bank: Cross-city to waive the fee ATM machine withdrawals; remote Bank ATM machines charge a handling fee per 1 per withdrawal; trans-regional ATM machine withdrawal fees charged 2 yuan each;
0 yuan Shanghai Pudong Development Bank
China Everbright Bank
0 yuan
livelihood of China Minsheng Bank Debit Card 0 yuan
CITIC Industrial Bank ATM machine withdrawals cross city charge 2 yuan / document fee of 0.5% trans-regional collection fee
Industrial Bank ATM machine withdrawals cross city three pen handling charge, the fourth pen began to 2 yuan each; remote Bank ATM machine withdrawals free of charge; trans-regional ATM machine withdrawals, Xiamen, Shenzhen, Nanjing is not collection action, other cities do not charge for the first three pen start from the fourth document handling charge 2 yuan each;
cross city of Guangdong Development Bank does not charge ATM machine withdrawal fees, trans-regional collection fee of 1%
Part III: Credit card banks cash withdrawal fees and cash withdrawal limit
general bank credit card credit line cash withdrawal amount is 30-50%, but there are 2 bank exception that the youth card Bank and Guangdong Development Bank's credit card limit is 100%.
Bank credit card: cash withdrawal limit is the credit limit of 30%. Take the existing overdraft, fees are 1%, the lowest cost of 8-12 yuan. Five ten thousandths of interest for each day; credit card deposits itself , each handling up to two hundred, minimum 5 yuan up to 200 yuan. 2000 yuan per day
Bank of ordinary credit cards: cash withdrawal amount is 50% of credit, overdraft take the present, fee is 1%, the lowest cost of 10 yuan per day five ten thousandths of interest, credit cards, deposits itself, each handling up to five thousandths. The most desirable amount of daily credit limit of 50%
Bank of Y POWER
card (Youth Card): cash withdrawal limit = credit, regardless of how much cash withdrawal handling fee in accordance with the 5 yuan / T charge. Interest on a daily five ten thousandths.
ICBC Credit card: fee is zero, only to receive a daily part of five ten thousandths overdraft interest, if the card has a deposit, cash without fee.
CCB: Regardless of whether credit card deposits, credit cards to withdraw cash handling fee of 0.5%, the highest minimum 2 yuan 50 yuan, taking up to 2,000 yuan a day. Overdraft interest rate credit card take the current day, five ten thousandths
ABC: 1% cash withdrawal fees, interest five ten thousandths.
China Merchants Bank: cash withdrawal fee of 1%, minimum 10 yuan, five ten thousandths of interest every day. Take up to 2,000 yuan a day.
Minsheng Bank: The Bank 0.5%, the lowest 1 yuan. His line of 1%. Five ten thousandths of interest every day
CITIC Bank: 3%, the lowest 30. Five ten thousandths of interest every day
Industrial Bank: 3%, the lowest 30. Five ten thousandths of interest every day
Guangdong Development Bank: 2.5%, the lowest 15. Five ten thousandths of interest every day
Shanghai Pudong Development Bank: 3%, the lowest 15. Five ten thousandths of interest every day
Everbright Bank: 1%, the lowest 3 yuan. Five ten thousandths of interest every day
Shenzhen Development Bank: 3%. Five ten thousandths of interest every day
Huaxia Bank: 1%, the lowest 5 yuan. Five ten thousandths of interest every day
Part IV: interest-free period on credit card
first to know that credit card interest-free period and the longest interest-free period is a different concept, a great number of credit cards are claimed to have the longest interest-free period of 56 days, but to see it, it is the longest free Interest Period! Beginning with a credit card, I thought no matter what time card, as long as 56 days, no interest payments had, in fact not the case.
example, your credit card bill on the 1st of each month, the monthly repayment date is 25, in the March 31 you consume, then April 25 you have to pay the debt, you interest-free period is March 31 to April 25, interest-free period of a total of 26 days. But if you're in the April 2 consumption, then this consumption was recorded on May 1 to play the bill, you need to repay in the May 25, then the interest free period can until May 25, as long as 54 days! That is the bill the day after the date of consumption, can enjoy the longest interest free period, while the bill the day before consumption, to enjoy the interest-free period is the shortest .
multiple credit cards for friends, because each bank bills at different, as the case may use a different card. For example, Bank card bills at a 1, Merchants Bank is the 10th day bills, the bank is 20, then this : 2-10, 11-card with Bank of China Merchants Bank cards with 20, 20-31 No employment line card (you can write the date in the back of the card, such as Bank of write 2-10,
管理专业学生必懂的部分知识, so you will not forget.) This can be relatively long interest-free period, maximum use of bank funds.
Part V: credit card annual fee issue
1. ICBC, Agricultural Bank, Bank of China, CITIC, livelihood, Societe Generale, GF, China does not activate the free annual fee;
2. Construction Bank, China Everbright in the first year no annual fee, credit card spending free time 3 year annual fee;
3. Bank of Communications, China Merchants Bank in the first year no annual fee, credit card spending free time annual fee 6;
4. Pudong in the first year no annual fee, credit card spending free time up to 2,000 annual fee.
many banks before the credit card, no annual fee also activated, but from 31 August 2009, the state requires all credit card is not activated if there is no annual fee.
Part VI: Personal Experience, have to look at Oh!
1. If most of the time in one place, rarely travel, then ICBC, China Construction Bank and Bank of the card is more convenient, because the network more
2. If you are a businessman, often to the foreign remittances, then use the Bank of China and China Construction Bank's online banking (note not the counter) good, low fees, convenient and quick. I highly recommend the online banking with Bank of China, whether the other is the Bank of China card or other bank cards, online banking with Bank transfer fee is very low, open a Bank online banking, online banking with other banks are not open. China Construction Bank, followed by online banking, similar reasons.
3. If people come in field money to you, then you can do the bank a credit card, so friends from outside the bar money in the bank credit card on you, because no matter where you are in China, ICBC Credit Card to save money is does not require any fees, but the bank does not require credit card cash withdrawal fee (in case there is no overdraft fees do not need to take now, there is the case of overdraft fees are zero, but the amount of cash to take five ten thousandths overdraft charges / day of interest), even if no other bank's credit card advances, but also to take charge of emerges.
4. If you buy stocks and funds, Bank Card is a good choice, Bank of the fund on behalf of selling varieties.
5. Some credit cards can be opened online payment online banking on the line, for example can give you Alipay recharge. If you like shopping online, we should always treasure in the recharge to pay, and the relatively large amount of words (over 1000), Bank and ICBC's credit card is a good choice (of course the premise is going to open credit card online banking) (Agricultural Bank of China and Bank of China online payment credit card does not support the Construction Bank credit card only up to red 500 yuan per day, China Merchants Bank credit card red 499.99 yuan per most trouble.)
6. If you do not have credit card, if want to apply for a China Merchants Bank and other applications for small and medium banks is easier to start the line is not low. ICBC the most difficult to apply for credit cards, but also the minimum starting amount. Credit card application Bank of moderate difficulty, but the relatively high initial amount.
7. If you always short of money, credit card withdrawal is needed, then the bank credit card is the best choice, do not take charge now, and part of the repayment of interest charged is not in accordance with the amount calculated on the payment of interest (five ten thousandths), unlike other banks, as long as they did not pay off, no matter how much debt are provided in the original calculation of the current interest rates. For example, you get faster is the 2000 , the day the banks in accordance with the 2000 five ten thousandths faster X / day rates. A few days later you have a 1000, or by bank interest 2,000 X five ten thousandths, that you fully repaid. Even if you have a 1999 yuan , the bank interest or in accordance with the 2000X five ten thousandths. But the bank is different from you soon after the 1000, behind the interest is not also part of the 1,000 yuan according to five ten thousandths X / day to charge. Therefore, the bank's credit card is very good.
ICBC's credit card, but not so good application, if the application is not, then check the bank's credit card is also good, cash handling fee of 0.5%, other banks (except outside the bank) is at least 1% of credit card, and some even is 3%. But now I remember to take credit card as soon as possible also, immediately after the money also, but also must be in full and also, less still of interest arising from 1 cent who are scared to death. This is also the credit card can be beaten to death people for a reason.
8. If you and your friends have Paypal, both sides need to transfer the case, the amount is not significant (less than 5,000 yuan / month, if more than 5,000 yuan / month, Paypal will charge 1.5% of excess amount As a fee), you can pay the PayPal payment with each other, zero fee. This method is very cost-effective convenience.
9. this is very important! Credit card must be kept confidential all information, including card number, expiry date, three of the verification codes, do not leak to other people. So set a password for credit cards is useless in a foreign country, foreign credit card, whether you have set a password, do not require a password to be consumed. Also, hanging is more, foreign businessmen, he just need to get your credit card number and card verification code on the back of the three, can buckle your money (do not need your card),
エアマックス90, hanging it sounds haha? So the card information must not be easily revealed to others. Of course, in the country, the general consumer to a password to, so please do not worry too much. In addition, the present, some unscrupulous businessmen, who converted on POS machines, your credit card while they steal your card number and password, then copy your card for cash withdrawal or cash, so small businesses are not familiar with, try not to card. Credit card when the cards do not leave their sight, enter the password using the other hand block to prevent the edge of people peek, but also to prevent the overhead camera. Signature card, be sure to see the amount of print is wrong.
10. Only you have opened an online bank's debit card to connect to the repayment of the credit card most banks (except Bank of China), do not go to the bank counter, and the fee is zero Oh! Fast money can log website
www.99bill.com understand I is not flicker, China Merchants Bank to my recommendation on the bill!
11. about the security of online transactions. Internet banking is very safe, otherwise they would not recommend so many banks, bank online banking in the implementation of the business, the first consideration is their safety, it will inevitably take many measures to prevent risks, so do not be too careful. Currently taking place caused some funds using online banking theft cases, often because many people do not understand the basic knowledge of online transaction security caused. Everything has risks, online banking, too, say that again, if not open online banking, funds stolen events did not often happen? And online banking is a trend, convenient and save time, efficiency is greatly improved. Launched online banking friends, from the bank counter or customer service channels to obtain the correct bank website, in accordance with the requirements of banks operating site, installed and regularly update anti-virus software, open short interest to remind the business of the bank (the bank is different from some banks free), do not remember when online banking will be the certificate (USB KEY) pull out, do not arbitrarily give out your password identity card number and other information, do not put the password identification card number and other information stored on the computer. In addition, it is strongly recommended to use USB certificates (similar to the U disk, each online transaction to be plugged into the computer business to pay. Each bank may be different name for USB certification, such as U shield called ICBC, the bank is called K Po)! Spend hundreds of dollars in exchange for financial security is worth it.
use online banking from my many years of experience, I think the most secure online banking should have the following characteristics: A. landing without landing do not need to enter the card number B. enter bank cards to bank C. the personal site does not display the full card number (for example, my card number is 622,288,888,888,888, displayed on the site is 6222 8888 XXXX 888) D. net bank credit card payment does not require a password to use the USB key E. Digital Certificates or mobile dynamic password. Why do these features? This prevents hackers access to your card number through the Trojans and password, and then they can copy a card, put your money stolen. If the other horse get by your login account (non-card number ) and password (non-bank card password), although they can log in online banking, but they do not have USB key or dynamic password they can not transfer or payment, even if your account There are 100 million do not have to worry, the more money the more jealous of hackers, but they can not get. Haha
online payment or shopping try to choose the regular sites, such as Taobao, pat networks and the like. If you must pay in other unfamiliar websites, please note that the height of these sites is likely to be familiar with phishing sites. Once into the phishing site, enter your credit card information, including card number, password, authentication code and other information will be stolen by criminals, leading to theft of funds on your card. Phishing sites and pages on the bank to pay the regular bank payment interface is exactly the same,
ナイキ エアマックス, difference is not the same as the address of the address bar, so if you have to pay in a strange site, enter the card number and other information in, be sure to see whether the real address bar and the same bank, if there are any different from a letter or number, please stop immediately enter the information. Remember, whether you are a treasure to pay the top up or recharge to TenPay, or another online payment to any other business, the bank's online payment site is only one! Please be sure to check! The online payment link on the correct address,
nike air max, see the picture behind me
12. try to avoid using credit cards to ATM machines to draw cash, if the non-taking is not, then the choice of ICBC Credit Card (0 charge), then the CCB Credit Card (0.5% fee, minimum 2 million). Caution CITIC (3% fee, minimum 30 yuan, which means you get is 100 yuan, charge for up to 30 yuan!), Shanghai Pudong Development, Industrial (3% fee, minimum 30 yuan), sending a credit card .
13. Do not think that using a credit card must be on time to pay back the money, not on time but also will affect the credit history, wrong idea Oh! Bank credit card launched one of the objectives is to earn your interest, you are still full and on time that banks make on what ah? (Although that banks can charge some fees from the merchants). So tight friends on hand, you as long as the minimum amount on the line, to ourselves, but also allow banks to earn money every time and in full but also on the minimum amount (not full), is not affect your personal credit, the banks like most such people. And based on experience, often only the minimum amount of people also relatively easy to raise your credit limit. Do not think you repay in full each time, to increase the amount you fast,
エアマックス24-7, do not you make more contributions to the bank, people telling me the amount you mentioned? Of course, raising the amount of each bank is not required, this one does it only help to improve the line, does not guarantee 100% success.
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