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Is there an annual fee for building a credit card?
What is the annual fee standard of CCB credit card?

The annual credit card fee policy of CCB is roughly as follows:

Puka: the annual fee for the main card is 80 yuan, and the annual fee for the auxiliary card is 40 yuan;

Gold card: annual fee of main card 160 yuan, and annual fee of auxiliary card (80 yuan);

Standard Platinum Card: the annual fee of the main card is 580 yuan, and the annual fee of the auxiliary card is 300 yuan;

Exquisite platinum credit card: annual fee of main card 1800 yuan, annual fee of auxiliary card 1200 yuan;

Platinum credit card: the annual fee of the main card is 3,600 yuan, and the annual fee of the auxiliary card is 2,800 yuan;

Titanium Platinum Card: the annual fee of the main card is 380 yuan, and the annual fee of the auxiliary card is 180 yuan;

Diamond credit card: the annual fee of the main card is 5800 yuan, and the annual fee of the auxiliary card is 3800 yuan;

Car card: the annual fee of the main card is 200 yuan, and the annual fee of the auxiliary card is 100 yuan.

Free annual fee policy:

Puka and Gold Card spend or withdraw cash three times a year (unlimited amount), and the annual fee is reduced or exempted in that year.

The standard platinum card spends 10 cash (unlimited amount) every year, free of the annual fee of the year.

Titanium card is free of annual fee (unlimited amount) for spending or withdrawing cash 6 times a year.

Extended data:

CCB Credit Card is a credit card issued by China Construction Bank. The credit cards issued by China Construction Bank are all named "Longka", including: Longka Famous School Card, Longka Business Card and Longka Automobile Card.

The main conditions for applying for a credit card are:

(1) at least 18 to 70 years old, with full capacity for civil conduct;

(2) Have a stable occupation and income, be able to repay the principal and interest on time, and have a good credit.

Note: According to the regulations of China Banking Regulatory Commission, college students who have reached the age of 18 must ensure the second repayment source when applying for a card. Therefore, your parents (or relatives) will need to fill in and submit relevant application materials when you apply for a card.

Supplementary card card conditions are:

(1) 13 years old with full capacity for civil conduct or limited capacity for civil conduct;

(2) Those under the age of 18 must obtain the consent of the legal guardian and can only apply for the supplementary card of the legal guardian.

Materials to be provided for card application:

MasterCard: If you are an applicant for local household registration, you need to provide:

1, copy of ID card,

2. Proof of income (such as copy of personal income tax withholding certificate or tax payment certificate, copy of provident fund payment record or payment list) or personal assets (such as copy of local property ownership certificate, car purchase/use invoice, copy of motor vehicle driver's license of the People's Republic of China, savings passbook or deposit certificate, etc.). ).

Professional and technical certificates (such as photocopies of professional qualification certificates assessed or recognized by national authorities, including certified public accountants, certified auditors, lawyers' licenses, etc.). )

Non-local household registration applicants, in addition to the above materials, also need to provide proof of stability. (For example: local property certificate, copy of social comprehensive insurance statement (more than 6 months), education certificate, etc. )

Supplementary card: valid identification (/kloc-supplementary card applicants under the age of 0/6 must provide household registration books, etc. ).

Note: Identification certificates of foreigners (including compatriots from Hong Kong, Macao and Taiwan and foreigners):

(1) Hong Kong and Macao residents are required to provide Hong Kong and Macao Mainland Pass, international credit card purchase slip and a copy of local ID card;

(2) Residents in Taiwan Province Province shall provide a five-year mainland travel permit for taiwan residents, international credit card purchase slip and a copy of local ID card;

(3) Foreigners provide passports.

China Construction Bank official website-Charge Standard

Is there an annual fee for the credit card of China Construction Bank?

1. CCB's annual fee-free credit card policy is as follows:

Gold card and Puka: the first year is unconditionally free, and the annual fee for the next year is exempted after three swipes;

Platinum card: swipe the card 18 times, free of the annual fee of the current year.

Credit card annual fee-free policy:

(1) China Construction Bank's credit cards (Puka, Gold Card) are spent three times a year (unlimited amount), and the annual fee for that year is exempted. If it fails to meet the requirements, the annual fee will be collected in the next card-holding year and will not be refunded after collection. (Unless otherwise agreed for special products)

(2) The annual consumption of CCB credit card (standard platinum card) is 18 times (unlimited amount), and the annual fee for that year is exempted. If the card does not meet the requirements, the annual fee will be collected in the next card-holding year and will not be refunded after collection. (Unless otherwise agreed for special products).

(3) The automobile card of China Construction Bank will be collected in advance every year and will not be returned after collection.

(4) CCB Credit Card is a credit card issued by China Construction Bank. The credit cards issued by China Construction Bank are all named "Longka", including: Longka Famous School Card, Longka Business Card and Longka Automobile Card.

(5) Withdrawal fee: domestic: 5‰ of the transaction amount, with the lowest 2 yuan and the highest 50 yuan; Overseas: 3% of the transaction amount, with a minimum of $3. Multi-account management: Bank * * * enjoys the same repayment independence of multiple CCB cards on the billing date.

2. Online payment: Alipay: it can be used after online registration, with a single payment and a one-day limit of 500 yuan.

(1) installment business: supports interest-free installment for specific merchants (3, 6, 12). After a single consumption exceeds 1000 RMB, you can apply for installment by phone (3,6,0/2,0/8,24), and different handling fees will be generated for each installment according to the number of installments.

(2) Interest-free repayment period: Interest-free repayment period refers to the interest-free period of consumer transactions enjoyed by cardholders who repay in full on time. The interest-free period is from the bank bookkeeping date to the repayment date, with a minimum of 20 days and a maximum of 50 days. Overdraft cash withdrawal transactions do not enjoy interest-free repayment period.

(3) If the repayment is not made in full, the interest-free period will not be enjoyed. The Construction Bank will charge interest at a daily interest rate of 0.5 ‰ and compound interest monthly. The interest-bearing date is from the date of consumption to the date of repayment, and the interest-bearing principal is calculated according to the actual amount payable.

(4) If the repayment is not made before the due repayment date or the repayment amount is lower than the minimum repayment amount, CCB will charge interest as required, and at the same time, it will charge a 5% late fee for the unpaid part of the minimum repayment amount.

China Construction Bank Credit Card Annual Fee Standard

According to the official regulations of CCB, the annual credit card fee of CCB is charged annually, with 80 yuan as the main card and 40 yuan as the auxiliary card; Gold card main card 160 yuan, auxiliary card 80 yuan; 580 yuan, the main card of standard platinum card, and 300 yuan, the auxiliary card; Main car card 200 yuan, auxiliary card 100 yuan.

Among them, Puka and Jinka swipe their cards more than 3 times each year (unlimited amount), and the annual fee for that year is exempted. If the credit card does not meet the requirements, the annual fee will be charged in the next card year and will not be refunded after collection.

The standard platinum card is spent 18 times per card year (unlimited amount), and the annual fee for that year is exempted. If the card does not meet the requirements, the annual fee will be collected in the next card-holding year and will not be refunded after collection.

CCB's car card is collected in advance every year and will not be refunded after collection.

Credit card annual fee rules refer to some corresponding provisions of credit card annual fee. Before the cardholder activates the credit card, the bank shall not charge an annual fee. But most people know little about the annual fee rules of credit cards in different banks. The annual fee of credit card is mostly around 100 yuan, and some banks stipulate that the annual fee can be waived by swiping it three times a year.

Free annual fee rule

Of course, it is not cost-effective to apply for a card without paying, and you have to pay an annual fee. However, different banks have different annual fee-free rules, which makes it easy for cardholders to inadvertently generate annual fees.

Cardholders generally believe that credit card agents are exempt from annual fees in the first year, but not all cards are exempt from annual fees in the second year when their credit cards reach a certain standard. For example, ICBC's credit card does not charge an annual fee in the first year, but it needs to be swiped five times or spend more than 5,000 yuan to avoid the annual fee for that year; According to the regulations of China CITIC Bank, the annual fee for the first year can only be waived if you swipe your card once in the first month after issuing the card.

In the annual fee-free rules of the following year, some banks stipulate that they can be free as long as they swipe their cards for more than three times, such as China Construction Bank [6.203.85%] and China Everbright Bank; Some banks require more credit cards. For example, an SDB credit card needs 18 times to be exempted from the annual fee for the following year. Most banks, such as ICBC, Agricultural Bank, Bank of China, Bank of Communications, China Merchants Bank, etc. Free of 5-6 annual fees.

Silver rate network financial planner pointed out that because the annual fee is not the main source of income for domestic credit card issuers, banks generally stipulate that the annual fee will be exempted only after a certain number of swipes, and there is no limit on the amount. However, banks that limit consumption quotas are not without them. As stipulated by Shanghai Pudong Development Bank, the annual fee for the following year can be exempted if the consumption reaches 2000 yuan or above.

In addition, it is particularly noteworthy that the annual fee-free rules of banks are not immutable. The staff of the Credit Card Center of Bank of Communications [8.794.27%] told the reporter that the annual credit card fee is based on the collection time of the annual fee in the first year, and it is pushed back by 12 months, which is the collection time of the annual fee in the second year. Generally, the annual fee-free rules of Bank of Communications credit cards will be notified to cardholders by SMS at the end of the year or the beginning of the following year, and cardholders need to pay attention to whether the annual fee-free rules have changed.

Tips: Generally speaking, ordinary credit cards can enjoy the annual fee-free rule, while the annual fees of gold cards, platinum cards, diamond cards and other cards are usually inevitable.

Lifetime annual fee-free credit card

The annual fee for credit cards is really fascinating. Is there no free lunch?

In fact, there is no life-long annual fee-free credit card. For example, the credit card issued by the Postal Savings Bank, whether it is the main card or the supplementary card, does not need to worry about the annual fee.

There are also free lunches in Shanghai Bank's credit cards, such as Xingyun Card, Hong Kong Travel Card and Global Card, all of which are free of annual fees for life. However, the outlets of Shanghai Bank only cover the Shanghai area, and it is more difficult to handle them in other areas.

There are also many credit cards in other banks that are free of annual fees for life. Because there are too many types of credit cards, you need to look carefully if you want to apply. For example, China Southern Airlines Pearl Credit Card Extraordinary Edition and QQ Car Card of Guangfa Bank, McDull Credit Card and 60th Anniversary Credit Card of Shanghai Pudong Development Bank, Jinsui Ruyi Credit Card of Agricultural Bank, and AIDA Credit Card of Bank of Beijing [18.825.67%] can all enjoy the provision of free annual fee for life.

In addition, the reporter noted that since June 65438+July 2003, various banks have issued a large number of official credit cards to enterprises and institutions, and all of them have the provision of life-long annual fee exemption. Business credit card is a credit card held by employees in budget units, which can be used for daily business expenses and financial reimbursement, personal consumption and cash withdrawal, and can enjoy various discounts on credit card consumption.

Tips: Free annual fee for life is not the life of the cardholder, but the "life" of the card, that is, the validity period of the credit card, which is generally three to five years.

Is there an annual fee for the credit card of China Construction Bank?

The annual fee for savings card (debit card) of China Construction Bank has been cancelled.

According to the Notice of China Banking Regulatory Commission of the National Development and Reform Commission on Printing and Distributing the Catalogue of Government-guided Prices of Commercial Banks (NDRC Price [20 1 4] No.268), starting from August12065438, China Construction Bank can provide qualified individual customers with free account management fees and small account management fees (excluding credit card and small account management fees).

The annual credit card fee of CCB has not been cancelled, and the specific charges are as follows:

1. CCB Credit Card Corporate Card: the annual fee for gold card is 200 yuan, and the annual fee for ordinary card is 100 yuan;

2. CCB credit card personal card: annual fee of gold card 160 yuan, and annual fee of supplementary card of gold card 80 yuan; The annual fee for the master card of Puka is RMB 80 yuan, and the annual fee for the subsidiary card of Puka is RMB 40 yuan;

China Construction Bank's policy of free annual fee for credit cards: within the card-holding year, you can spend three times a year (unlimited amount) and free the annual fee for that year. If three transactions are not completed, the annual fee will be charged from the second card-holding year.

Extended data:

The savings cards of CCB are collectively referred to as CCB Dragon Card. The following is a brief introduction of CCB Dragon Comics:

I. Product name: CCB Dragon Cartoon _

Two. Product definition: In order to realize customers' expectations for the functions of bank cards and provide customers with better, faster and more comprehensive financial services, China Construction Bank upgraded the functions of its original product "Dragon Card Savings Card" in an all-round way, and integrated it with the original wealth management card and silver card to launch a comprehensive debit card product-"Dragon Card Cartoon _" for customers.

Third, the product style:

Product category: CCB Dragon Card is divided into UnionPay Dragon Card, VISA Dragon Card and MasterCard Dragon Card according to the brand of bank card.

In terms of annual fee, according to regulatory regulations, banks can waive annual fee and small account management fee for CCB accounts designated by customers (excluding credit cards and VIP accounts). Individual customers can apply at any branch (including counters and intelligent teller machines) of tier-one branches with their valid identity documents and accounts; Corporate customers can apply through the bank.

References:

China Construction Bank official website-Long Cartoon, CCB Announcement-Annual Fee for Savings Card

Is there an annual fee for CCB credit card?

There is an annual fee. Annual credit card fees charged by China Construction Bank, including ordinary card 80 yuan and supplementary card 40 yuan; Main card 160 yuan, and auxiliary card 80 yuan; Standard platinum card: main card 580 yuan, supplementary card 300 yuan; Main car card 200 yuan, auxiliary card 100 yuan. China Construction Bank's credit cards (universal cards and gold cards) are swiped more than 3 times a year (unlimited), and the annual fee for this year is exempted. If it does not meet the requirements, the annual fee will be collected in the next card year and will not be refunded after collection. (Unless otherwise agreed for special products) If the CCB credit card (standard platinum card) swipes the card 18 times a year (unlimited amount), the annual fee for this year will be exempted. If it does not meet the requirements, the annual fee will be collected in the next card year and will not be refunded after collection. (Unless otherwise agreed in the special product). China Construction Bank's car card is collected in advance every year and will not be refunded after receiving it.

1. Remind Alipay that consumption and recharge also count as consumption amount, which is a bit. China Construction Bank Red Cross Bojing Longka is free for life. However, if the applicant is unwilling to activate after the application is approved, no annual fee will be charged. The annual fee standard of CCB's credit card is as follows: 80 yuan for Puka. Gold card annual fee 160 yuan. Standard Platinum Annual Fee Card 580 yuan. Annual car card fee 200 yuan. China Construction Bank does not charge an annual fee. If the credit card is not activated, an annual fee will be charged after activation. However, the time spent swiping the card can reduce the annual credit card fee. Cardholders who swipe their cards more than 3 times a year can be exempted from the annual fee of that year. If you swipe the 18 platinum card every year, you can avoid the annual fee this year. Annual fee business card: Gold card 200 yuan/card, ordinary card 100 yuan/card year advance payment. Domestic cash withdrawal is not divided into the same city and different places, and cross-bank cash withdrawal is not charged separately.

2. Annual fee: gold card 200 yuan/card, ordinary card 100 yuan/card annual fee. Personal Gold Card (and China Eastern Dragon Silver Card) will not be returned after receiving the card: main card 160 yuan/card, auxiliary card 80 yuan/card personal ordinary card main card 80 yuan/card, auxiliary card 40 yuan/Kalong card main card 200 yuan/card, auxiliary card 100 yuan/card overseas withdrawal (including transfer) service fee: through visa and MasterCard network. Withdraw cash through the ATM marked by UnionPay. The cash withdrawal amount of 12 yuan+1% is calculated according to the cash withdrawal amount of 1%, and the smallest part is in 2 yuan: 0.5% of the cash withdrawal amount, the lowest 2 yuan and the highest 50 yuan charge. Domestic cash withdrawals are not divided into the same city and different places, and interbank cash withdrawals are not charged separately.

3. 5% of the cost overrun, with a minimum of USD 65,438 +0 or RMB 5 yuan (the currency is the same as the overrun). When the accumulated unpaid amount of the cardholder exceeds the approved credit limit (temporary exemption), a fee will be charged. 5% of the unpaid minimum amount of the overdue fine, with the minimum amount of USD 65,438 +0 or RMB 5 yuan (the currency is the same as the corresponding minimum repayment amount). If the cardholder fails to repay the minimum repayment amount before the due repayment date (inclusive), the damaged card service fee is 20 yuan/piece, and the color photo card 30 yuan/piece cardholder applies for the replacement of the card loss reporting fee 50 yuan/card due to the card damage, degaussing of the magnetic stripe, wrong signature and other reasons, and reissues a new card. Personal card: 5 yuan/copy (free within three months from the date of application) Business card: 5 yuan/copy of the cardholder's bill, and 20 yuan/copy of the company's summary bill (free of charge on the same day and month) print the monthly billing information. Service fee for purchase and sliding access: USD 5 overseas/share: RMB 65,438+00 domestic/share.

Let's stop here for the introduction of the annual fee of China Construction Credit Card.