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Bank of China (Canada) Information Box - Great Wall International Credit Card Rates and Fees


 
Bank of China (Canada)
Information Box - Great Wall International Credit Card Rates and Fees
All rates and fees listed are valid as of March 1, 2013 and are subject to change in accordance with the Credit Card Agreement.
Annual Interest Rates These interest rates are  in effect the date your account is activated. 
Purchases  18%
Cash Advances  (including Cash-Like Transaction1  Balance Transfers) 18%
If the Minimum Payment is not received on the payment due date, you will lose the benefit of any promotional rate or other offer you are participating in and the 18.00% interest rate will apply
Interest-Free Grace Period 21 days
You will benefit from an interest-free grace period of 21 days if we receive payment in full of the Balance on your statement by the due date. 
There is no interest-free grace period on Cash Advances ( Including Cash-Like Transactions) and Balance Transfers. 
Minimum Payment Your Minimum payment will be the greater of 
· 2% of  your New Balance plus any amount past due, or 
· $10 plus any amount past due
You must pay the full amount of the New Balance if it is $10 or less. 
Foreign Currency Conversion  2.50%
We will bill you in Canadian dollars if your transaction is made in foreign currency. We will convert that transaction at the exchange rate in effect on the date we post the transaction to your Account, which is the rate charged by MasterCard on the date that the transaction is posted to your Account, plus 2.5%.
Annual Fees No fee
Other Fees The fees will be charged on the day the transaction occurs
Charge for Dishonoured Payment from or to your account: $20
Over limit fee  $20
Each copy of monthly statement or sales slip  $3
Emergency cash advance at Bank of China (Canada) 2  $30
Cash advance fees:
ABM displaying MasterCard symbol-In Canada $3
ABM displaying MasterCard symbol-Outside Canada  $4
Over-the-Counter at a MasterCard Financial Institution - In Canada  $4
Over-the-Counter at a MasterCard Financial Institution - Outside Canada $5
Optional Service:  Instalment Program 3 
The one-time non-refundable fee will be charged once the program starts
3-month period: 1.95% of the amount (12.43% APR4)       6-month period:  3.6% of the amount (13.31% APR)  
9-month period: 5.4% of the amount  (14.19% APR)        12-month period: 7.2% of the amount (14.77% APR)  
18-month period: 11.7% of the amount  (17.11% APR)      24-month period: 15% of the amount  (17.09% APR)  

1 The daily Cash Advance limit: ABM $1,000; Over-the-Counter $2,000 

2 In the event of card loss and the cardholder obtains cash advance based on his/her personal identification, maximum $500.

3 Instalment Program is a limited program that the bank offers in certain circumstances to permit cardholder to pay for purchases in instalments. 

4 Indicates the equivalent annual percentage rate on the instalment amount 

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