Credit Limit is the maximum amount within which you may carry out purchase and Cash Advance transactions. Credit Limit is shared between the RMB and USD-denominated transactions, as well as between principal and supplementary cards.
Cash Advance Limit is the maximum allowable amount of cash that can be withdrawn. The Cash Advance Limit is a sub-limit of the Credit Limit.
The amount of Credit Limit is available for use. As you spend and repay, your available credit is adjusted correspondingly. You can call our 24-Hour Customer Service at any time to enquire your available Credit Limit. As a reference, you can determine your available Credit Limit can be estimated by using the following formula: Available Credit Limit = Credit Limit–Outstanding balance –Authorized but not yet billed transaction amount – Any other fees & charges.

The period between transaction date and Payment Due Date is the Interest-free Repayment Period. Cash Advance transactions and accounts paying less than full amount do not enjoy interest-free repayment period. If the total outstanding balance shown on your monthly statement is paid in full prior to the Payment Due Date, you will enjoy an interest-free repayment period of up to 50 days.
( Example: Your credit card statement is issued on the first day of every month, and your Payment Due Date is the 21st of every month. Let's assume you make a RMB5000 purchase on June 2. This transaction will be reflected on the July 1st statement with a Payment Due Day of July 21st. If you pay the entire statement balance on July 21st, your RMB5000 transaction would have enjoyed an Interest-free Repayment Period from June 2 to July 21, or 50 days. )

The lowest payment amount you must make each month in order to ensure your account remaining current.
※ Minimum Payment＝ total unpaid portion of the previous month’s minimum amount
  + total cash transactions and related fees & charges
  + total Over Limit Amount
  +5% x non-cash transaction amounts and related fees & charges.
※ If you choose the minimum payment option, you will forgo the interest-free repayment period benefit.

 

This is designed to help you manage your finances. Simply ensure that monthly payments, at least the minimum amount, are made before the Payment Due Date, the remaining balance can be brought forward to the next statement.
   
     
 
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