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["                                                   万泉信用卡收费标准总表"]
["序号","业务类别","服务项目",null,"收费标准",null,"服务说明"]
[1,"年费","标准卡","海岛卡","主卡688元，附属卡388元",null,"首年免年费，交易6次免次年年费"]
[{"$nulls":3},"幸福卡","主卡688元，附属卡388元",null,"首年免年费，交易6次免次年年费"]
[{"$nulls":3},"标准普卡","主卡50元，附属卡30元",null,"首年免年费，交易3次免次年年费"]
[{"$nulls":3},"标准金卡","主卡100元，附属卡50元"]
[{"$nulls":3},"标准经典白金卡","主卡688元，附属卡388元",null,"首年免年费，交易6次免次年年费"]
[{"$nulls":3},"标准尊享白金卡","主卡1688元，附属卡888元",null,"不免年费，可申请1万积分兑换当年年费；附属卡5千积分兑换当年年费"]
[{"$nulls":3},"标准钻石卡","主卡3688元，附属卡1888元",null,"不免年费，可申请3万积分兑换返还当年年费；附属卡可申请1.5万积分兑换返还当年年费"]
[{"$nulls":3},"YO乐卡","终身免年费",null,"-"]
[{"$nulls":3},"公务卡","终身免年费",null,"-"]
[{"$nulls":3},"美团联名卡","终身免年费",null,"-"]
[null,null,"日分期卡","普惠信用卡","终身免年费",null,"-"]
[{"$nulls":3},"乡村振兴卡","终身免年费",null,"-"]
[{"$nulls":3},"财富信用卡","888元",null,"首年免年费，当年交易3次免次年年费"]
[{"$nulls":3},"先锋信用卡","终身免年费"]
[null,null,"自动分期卡","嗨享分期卡","终身免年费",null,"-"]
[{"$nulls":3},"人才分期卡","终身免年费",null,"-"]
[2,"透支利率",null,null,"日利率万分之五\n（年利率18.25%）",null,"持卡人在逾期、未全额还款情况下，本期账单不享受免息还款待遇，透支利率按0.5‰计息（年利率=日利率*365，并根据中国人民银行的此项利率变动而调整）"]
[3,"违约金",null,null,"最低还款额未还清部分的5%，最低收取10元",null,"持卡人如未于每月最后还款日前还清当期最低还款额或延误还款时收取"]
[4,"短信通知手续费",null,null,"2元/月（暂免）"]
[5,"挂失手续费",null,null,"30元/笔",null,"正式挂失时从信用卡中代扣，公务卡、乡村振兴卡免费"]
[6,"补换卡工本费",null,null,"20元/笔",null,"含损坏换卡、挂失补卡，公务卡、乡村振兴卡免费"]
[7,"调阅签账单手续费",null,null,"20元/份（暂免）",null,"-"]
[8,"境外（含港、澳、台）ATM查询\n手续费",null,null,"4元/次（暂免）",null,"-"]
[9,"标准卡及自动分期卡\n预借现金手续费(取款/转账)",null,null,"按透支金额1%收取，\n境内最低3元/笔，\n境外（含港澳台）最低15元/笔",null,"持卡人在银行柜台或ATM预借现金时收取，YO乐卡免费，公务卡在海南农信系统内渠道取现免费"]
[10,"标准卡及自动分期卡\n溢缴款支取手续费",null,null,"境内跨行3元/笔，境外12元/笔",null,"海南农信系统内渠道领回溢缴款免费，YO乐卡免费"]
[11,"日分期卡预借现金手续费\n（含溢缴款支取）",null,null,"境内跨行取现5元/笔，境外(含港澳台)取现15元/笔",null,"持卡人预借现金或支取溢缴款时收取，海南农信系统内渠道取现免费"]
[12,"分期业务类型",null,"期数","月费率","近似年化利率","备注"]
[null,"标准卡分期费率","账单及消费分期业务手续费率",3,{"v":0.0075,"d":"0.75%"},{"v":0.1345,"d":"13.45%"},"手续费采取分期收取方式\n按照表中所列月费率标准进行收取\n近似年化利率按照IRR函数计算公式得出"]
[{"$nulls":3},6,{"v":0.007,"d":"0.70%"},{"v":0.1426,"d":"14.26%"}]
[{"$nulls":3},9,{"v":0.0065,"d":"0.65%"},{"v":0.1383,"d":"13.83%"}]
[{"$nulls":3},12,{"v":0.005,"d":"0.50%"},{"v":0.109,"d":"10.90%"}]
[{"$nulls":3},18,{"v":0.005,"d":"0.50%"},{"v":0.1108,"d":"11.08%"}]
[{"$nulls":3},24,{"v":0.005,"d":"0.50%"},{"v":0.1113,"d":"11.13%"}]
[{"$nulls":3},36,{"v":0.005,"d":"0.50%"},{"v":0.1108,"d":"11.08%"}]
[{"$nulls":3},48,{"v":0.006,"d":"0.60%"},{"v":0.1301,"d":"13.01%"}]
[{"$nulls":3},60,{"v":0.007,"d":"0.70%"},{"v":0.1477,"d":"14.77%"}]
[13,null,"现金分期业务\n手续费率",1,{"v":0.01,"d":"1.00%"},{"v":0.12,"d":"12.00%"},"手续费采取分期收取方式\n按照表中所列月费率标准进行收取\n近似年化利率按照IRR函数计算公式得出"]
[{"$nulls":3},3,{"v":0.008,"d":"0.80%"},{"v":0.1434,"d":"14.34%"}]
[{"$nulls":3},6,{"v":0.0075,"d":"0.75%"},{"v":0.1527,"d":"15.27%"}]
[{"$nulls":3},9,{"v":0.007,"d":"0.70%"},{"v":0.1488,"d":"14.88%"}]
[{"$nulls":3},12,{"v":0.006,"d":"0.60%"},{"v":0.1303,"d":"13.03%"}]
[{"$nulls":3},18,{"v":0.006,"d":"0.60%"},{"v":0.1323,"d":"13.23%"}]
[{"$nulls":3},24,{"v":0.006,"d":"0.60%"},{"v":0.1327,"d":"13.27%"}]
[{"$nulls":3},36,{"v":0.006,"d":"0.60%"},{"v":0.1317,"d":"13.17%"}]
[{"$nulls":3},48,{"v":0.007,"d":"0.70%"},{"v":0.15,"d":"15.00%"}]
[{"$nulls":3},60,{"v":0.008,"d":"0.80%"},{"v":0.1665,"d":"16.65%"}]
[14,"美团联名卡\n分期费率","账单分期、消费分期及现金分期业务手续费率",3,{"v":0.0094,"d":"0.94%"},{"v":0.1684,"d":"16.84%"},"手续费采取分期收取方式\n按照表中所列月费率标准进行收取\n近似年化利率按照IRR函数计算公式得出"]
[{"$nulls":3},6,{"v":0.0083,"d":"0.83%"},{"v":0.1688,"d":"16.88%"}]
[{"$nulls":3},9,{"v":0.0079,"d":"0.79%"},{"v":0.1675,"d":"16.75%"}]
[{"$nulls":3},12,{"v":0.0077,"d":"0.77%"},{"v":0.1664,"d":"16.64%"}]
[{"$nulls":3},18,{"v":0.0075,"d":"0.75%"},{"v":0.1642,"d":"16.42%"}]
[{"$nulls":3},24,{"v":0.0074,"d":"0.74%"},{"v":0.1622,"d":"16.22%"}]
[15,"日分期卡分期费率","日分期费率","先锋信用卡","0.2‰/日（年利率7.3%）",null,"1.从交易日当日起，按日计算手续费，包含消费、预借现金等所有交易；\n2.年利率=日利率*365"]
[{"$nulls":3},"普惠信用卡","0.3‰/日（年利率10.95%）"]
[{"$nulls":3},"乡村振兴卡","0.4‰/日（年利率14.6%）"]
[{"$nulls":3},"财富信用卡","0.5‰/日（年利率18.25%）"]
[16,"自动分期卡分期费率","消费自动分期",60,{"v":0.006,"d":"0.60%"},{"v":0.1283,"d":"12.83%"},"1.嗨享分期卡单笔消费满5000元（含）以上交易后会默认自动转为消费分期60期；\n2.人才分期卡单笔消费满20000元（含）以上交易后会默认自动转为消费分期60期；\n3.手续费采取分期收取方式，按照表中所列月费率标准进行收取,年利率按照IRR函数计算公式得出"]
[null,null,"现金分期","12、24、36、48、60",{"v":0.006,"d":"0.60%"},"12.83%-13.27%","手续费采取分期收取方式\n按照表中所列月费率标准进行收取\n年利率按照IRR函数计算公式得出"]
[null,null,"账单分期",null,{"v":0.005,"d":"0.50%"},"10.85%-11.13%"]
["说明：1.以上收费标准为通用产品和业务的收费标准，其他产品及业务收费标准以产品说明为准。\n2.最新收费标准以官方网站（www.hainanbank.com.cn）公布为准。\n3.在您办理及使用卡片过程中，除我行通过公告等形式明示告知的年费、手续费等费用外，不额外收取任何其他费用，且所有手续均通过您的信用卡账户进行收取，您无需向其他个人或单位支付任何形式的费用。"]

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