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["附件1\n                                           海口农商银行万泉信用卡收费标准总表"]
["序号","产品类别",null,null,"收费标准","备注"]
[1,"年费","标准卡","海岛卡","主卡688元，附属卡388元","首年免年费，交易6次免次年年费"]
[{"$nulls":3},"幸福卡","主卡688元，附属卡388元","首年免年费，交易6次免次年年费"]
[{"$nulls":3},"萌宠卡（汪汪版、喵喵版、纪念版）","终身免年费","-"]
[{"$nulls":3},"萌宠卡（至臻版）","主卡520元","不免年费，可申请5000积分兑换当年年费"]
[{"$nulls":3},"教师白金卡","终身免年费","-"]
[{"$nulls":3},"乡村振兴标准卡","终身免年费","-"]
[{"$nulls":3},"无界卡","终身免年费","-"]
[{"$nulls":3},"人才钻石卡","终身免年费"]
[{"$nulls":3},"标准普卡","主卡50元，附属卡30元","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","首年免年费，交易6次免次年年费"]
[{"$nulls":3},"标准尊享白金卡","主卡1688元，附属卡888元","不免年费，可申请1万积分兑换当年年费；附属卡5千积分兑换当年年费"]
[{"$nulls":3},"标准钻石卡","主卡3688元，附属卡1888元","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"]
[{"$nulls":3},"YO乐卡","终身免年费","-"]
[{"$nulls":3},"公务卡","终身免年费","-"]
[{"$nulls":3},"嗨享卡","终身免年费","-"]
[null,null,"普惠消费卡","普惠信用卡","终身免年费","-"]
[{"$nulls":3},"乡村振兴卡","终身免年费","-"]
[{"$nulls":3},"财富信用卡","888元","首年免年费，当年交易3次免次年年费"]
[{"$nulls":3},"先锋信用卡","终身免年费","-"]
[2,"透支利率",null,null,"日利率万分之五\n（年利率18.25%）","持卡人在逾期、未全额还款、取现(含ATM、柜面、现金转出)情况下，本期账单不享受免息还款待遇，透支利率按0.5‰每日计息（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","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","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","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）","-"]
[8,"境外（含港、澳、台）ATM查询\n手续费",null,null,"4元/次（暂免）","-"]
[9,"标准卡\n预借现金手续费",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","持卡人在银行柜台、ATM或海南农信线上渠道预借现金时收取，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\n溢缴款支取手续费",null,null,"境内跨行3元/笔，境外12元/笔","海南农信系统内渠道领回溢缴款免费，YO乐卡免费"]
[11,"普惠消费卡预借现金手续费\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","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预借现金和溢缴款免费"]
[12,"普惠消费卡\n日透支利率",null,"先锋信用卡","0.2‰/日（年利率7.3%）","1.从交易日当日起，消费交易按日计算利息；\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%）"]
[{"$nulls":3},"财富信用卡","0.5‰/日（年利率18.25%）"]
[13,"分期业务类型",null,"期数","年化利率","备注"]
[null,"标准卡分期利率","账单、消费分期及一键（余额）分期业务",3,{"v":0.13449999999999998,"d":"13.45%"},"提前终止按照剩余未还本金的3%收取提前还款手续费。"]
[{"$nulls":3},6,{"v":0.1426,"d":"14.26%"}]
[{"$nulls":3},9,{"v":0.1383,"d":"13.83%"}]
[{"$nulls":3},12,{"v":0.109,"d":"10.90%"}]
[{"$nulls":3},18,{"v":0.1108,"d":"11.08%"}]
[{"$nulls":3},24,{"v":0.11130000000000001,"d":"11.13%"}]
[{"$nulls":3},36,{"v":0.1108,"d":"11.08%"}]
[{"$nulls":3},48,{"v":0.1301,"d":"13.01%"}]
[{"$nulls":3},60,{"v":0.1477,"d":"14.77%"}]
[14,null,"现金分期业务",1,{"v":0.12,"d":"12.00%"},"提前终止按照剩余未还本金的3%收取提前还款手续费。"]
[{"$nulls":3},3,{"v":0.1434,"d":"14.34%"}]
[{"$nulls":3},6,{"v":0.1527,"d":"15.27%"}]
[{"$nulls":3},9,{"v":0.14880000000000002,"d":"14.88%"}]
[{"$nulls":3},12,{"v":0.1303,"d":"13.03%"}]
[{"$nulls":3},18,{"v":0.1323,"d":"13.23%"}]
[{"$nulls":3},24,{"v":0.13269999999999998,"d":"13.27%"}]
[15,"嗨享卡和人才钻石卡","现金分期","12、24","13.03%-13.27%","提前终止按照剩余未还本金的3%收取提前还款手续费，人才卡提前终止免提前还款手续费。"]
[null,null,"账单、消费分期及一键（余额）分期","12、24、36、48、60","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。"]

{"sheet":"美团联名卡","index":1,"n_rows":20,"n_cols":5,"rows_kept":20,"merged":[[0,0,0,4],[1,1,1,2],[2,1,2,2],[3,1,3,2],[4,1,4,2],[5,1,5,2],[6,1,6,2],[7,1,7,2],[8,1,8,2],[9,1,9,2],[10,1,10,2],[11,1,11,2],[12,0,18,0],[12,4,18,4],[13,1,18,1],[19,0,19,4]],"flags":["formulas_cached_only"]}
["附件2\n                           海口农商银行美团信用卡收费收费价目表"]
["序号","收费项目",null,"收费标准","备注"]
[1,"年费",null,"终身免年费"]
[2,"透支利率",null,"日利率万分之五\n（年利率18.25%）","持卡人在逾期、未全额还款、取现(含ATM、柜面、现金转出)情况下，本期账单不享受免息还款待遇，透支利率按0.5‰每日计息（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,"最低还款额未还清部分的5%，最低收取10元","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,"2元/月（免费）","-"]
[5,"挂失手续费",null,"30元/笔","正式挂失时从信用卡中代扣"]
[6,"补换卡工本费",null,"20元/笔","含损坏换卡、挂失补卡"]
[7,"调阅签账单手续费",null,"20元/份（免费）","-"]
[8,"境外（含港、澳、台）ATM查询手续费",null,"4元/次（免费）","-"]
[9,"预借现金手续费(取款/转账)",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","持卡人在银行柜台、ATM或线上渠道预借现金时收取"]
[10,"溢缴款支取手续费",null,"境内跨行3元/笔，境外12元/笔","海南农信系统内渠道领回溢缴款免费"]
[11,"分期业务类型","期数","年利率","提前终止按照剩余未还本金的3%收取提前还款手续费"]
[null,"账单分期、消费分期、余额分期及现金分期业务年化利率",3,{"v":0.1684,"d":"16.84%"}]
[null,null,6,{"v":0.16879999999999998,"d":"16.88%"}]
[null,null,9,{"v":0.1675,"d":"16.75%"}]
[null,null,12,{"v":0.1664,"d":"16.64%"}]
[null,null,18,{"v":0.1642,"d":"16.42%"}]
[null,null,24,{"v":0.16219999999999998,"d":"16.22%"}]
["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。"]