It doesn't have to be like this. Applicants can apply for CCB's credit card according to their own needs. For example, users who travel frequently can apply for CCB's business aviation credit card. The main types of cards are World Travel Credit Card and eLong Credit Card. Frequent shoppers can apply for the hot purchase series cards of China Construction Bank.
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 types of credit cards are: Puka, Gold Card and Platinum Card.
Introduction of CCB Credit Card:
Annual fee-free policy: swipe your card for 3 times or 18 times (excluding special cards such as business cards and car cards) to avoid the annual fee for the following year.
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.
Maximum interest-free period: 50 days.
Multi-account management: Bank * * enjoys multiple CCB cards with the same repayment date and independent repayment.
Online payment: Alipay: it can be used after online registration, with single payment and one-day limit of 500 yuan.
Installment business: support interest-free installment for specific merchants (3, 6, 12). After a single consumption exceeds 1000 yuan, you can apply for installment by phone (3, 6, 12, 18, 24), and different handling fees will be generated according to the number of installments.
Billing date: There are multiple billing dates every month, and the cardholder can change it once a year within the validity period of the card.
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.
The types of CCB credit cards are:
1. By card issuing organization
There are CCB UnionPay -VISA dual-currency credit cards, UnionPay-MasterCard dual-currency credit cards, VISA single-label credit cards and UnionPay single-currency credit cards.
2. According to the level of the card.
There are Puka, Gold Card, Standard Platinum Card and Diamond White Card.
3. According to the specific purpose
There are Transformers Card, Barbie Card, Football Card, Mao Ye Dragon Card and Yintai Dragon Card.
What kind of credit cards does CCB have?
There are many types of CCB credit cards, and the following three are better:
1, CCB with Longka.
2. CCB Barbie Beautiful Credit Card.
3. CCB Longka Global Payment Credit Card.
Annual fee collection standard: main card 160 yuan/card, auxiliary card 80 yuan/card. If you swipe your card more than three times a year, you can waive the annual fee. The maximum extraction ratio is 30%, and the extraction fee is 0.5% of the extraction amount. The lowest in 2 yuan, with an interest-free period of 20-50 days.
The difference between credit cards of China Construction Bank: ordinary card, gold card and platinum card;
1, the annual fee is different.
Annual fee of CCB Credit Card Ordinary Card 80 yuan; Gold card annual fee 160 yuan; The annual fee of platinum card is about 400-3000 yuan.
2. Different quotas
The credit card of CCB is between 1000- 10000 yuan; The gold card amount is between 10000-50000 yuan; The amount of a platinum card is usually between 500,000 yuan and 6,543.8+0,000 yuan, and the authorized amount of a small platinum card may be between 20,000 yuan and 30,000 yuan.
3. Enjoy different rights and interests
Gold card of China Construction Bank can enjoy higher discount than Puka in preferential merchants. However, platinum cards can usually enjoy high-end services such as golf, SPA, physical therapy, airport transfer and VIP lounge provided by banks.
Basic functions:
1. Credit consumption: consumption before repayment, no need to deposit in advance.
2. One card and two currencies: it has a dual account of RMB and USD, which can be used at home and abroad. Domestic transactions are credited to RMB account, and overseas transactions are credited to USD account (single currency credit cards do not have this function).
3. Password optional: The function of "domestic consumption password optional" is the first in China, which can be flexibly selected according to personal card habits. (A small amount can be password-free, and a large amount can be password-free).
4. Easy repayment: monthly statement is provided, and the repayment methods are flexible and diverse: telephone purchase repayment, outlet repayment, ATM self-service repayment, CDM self-service repayment, agreed account repayment and online banking repayment.
5. Specially invited merchants: specially selected national merchants, with many preferential discounts.
6. Report the loss by telephone: If the card is lost, you can report the loss by telephone, and the bank will provide guarantee after the loss report takes effect, without any financial risk.
7. Disputed payment: If the customer disputes any consumption payment, it should be verified before payment.
8. Overseas rescue: If the card is lost overseas, emergency replacement card and emergency cash withdrawal service will be provided.
9. Free hotline service: set up a 24-hour service hotline.
10, if the consumption exceeds 1000 yuan, you can apply for interest-free installment payment, and only need to pay a small handling fee.
1 1, SMS reminder: free SMS reminder when spending money in 500 yuan.
12. If you spend one yuan, you will get points, which are permanent and valid, and the points will be doubled irregularly.
13, the annual fee is free in the first year, and the annual fee is free for swiping the card three times in the second year (except the car card).
14. Credit card points under the same customer name can be combined (except Volkswagen Card and China Eastern Airlines Card).
15, swipe your card at the designated ticket office to buy air tickets, and the gold card will send 1 10,000, and the Puka will send 500,000 aviation accident insurance. High security will be accompanied by warmth and pleasure all the way.
Note: Gold card and general card are basic cards, and there are many kinds of cards according to different cooperative businesses or institutions. Please call CCB customer service for details.
What credit card is better for CCB?
Credit cards handled by CCB are generally ordinary cards and gold cards. These two cards are credit cards with low threshold for CCB, which are relatively easy to apply for. Generally, the first application is mostly for these two grades of cards. In fact, you can choose the types of cards according to your own needs, such as game cards, business cards, shopping cards, travel cards, car cards and so on.
Types of credit card products
According to the different card issuers, it can be divided into bank cards and non-bank cards.
Bank card. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or they can withdraw cash at any time at the outlets of the issuing bank or at places with ATMs.
Non-bank card. This kind of card can be divided into retail credit card and travel entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are specially used for shopping in designated stores or filling gas stations. , and settle accounts regularly. Travel and entertainment card is a credit card issued by airlines, travel companies and other service industries, which is used for ticket purchase, dining, accommodation, entertainment and so on.
According to the different issuing banks, it can be divided into corporate cards and personal cards.
Company card. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, military units, organizations and other legal person organizations.
Personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. The personal card is applied in the name of an individual and bears all the responsibilities for its use.
According to the credit status of cardholders, it can be divided into ordinary cards and gold cards.
Ordinary card. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and the requirements are not high.
Gold card. Gold card is an advanced credit card that pays a high membership fee and enjoys special treatment. Card issuers are institutions with high credit, strong repayment ability, credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are wider, so the requirements for related service fees and deposits are higher.
According to different payment methods, credit cards can be divided into credit cards and quasi-credit cards.
Credit card. That is, when the issuing bank provides bank credit, it overdraws first, and then repays or pays in installments. Most of these cards are used for international circulation. In other words, the way to allow cardholders to pay off their credit card accounts is "consume first, then deposit". Most of these cards are used for international circulation.
Quasi-credit card It is a credit card issued by a bank, which deposits first and then consumes. When applying for a credit card, the cardholder needs to deposit a certain amount of money in the issuing bank in advance as a backup. The cardholder needs to use the card on the basis of the deposit balance, and generally no overdraft is allowed.
According to the different circulation scope of credit cards, they can be divided into international cards and regional cards
International card. International card is a kind of credit card that can be used outside the issuing country and is universal. MasterCard, VISACard, AmericanExpressCard, JCBCard and DinersClubCard issued by five overseas groups (MasterCard, Visa International, American Express Card and DinersClubCard) are mostly international cards.
Area card. Regional card is a kind of credit card that can only be used in the country or region where the issuing bank is located. Most credit cards issued by commercial banks in China belong to regional cards.
Which card should I use for CCB credit card?
CCB's credit card is not the best. It is best to choose what suits you. There are many types of credit cards in CCB. You can choose according to your own needs and card habits, such as the following:
1, Longka enjoys a credit card, which is suitable for users with consumption abroad.
2, dragon truck card, suitable for car owners.
3. Longka Tuniu Travel Card is suitable for users who like to travel.
4, Vipshop Dragon Card, suitable for users who often shop online.
There are more types of credit cards. You can log in to CCB Credit Card official website () to check the application.
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.
Annual fee-free policy: swipe your card for 3 times or 18 times (excluding special cards such as business cards and car cards) to avoid the annual fee for the following year.
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.
Online payment: Alipay: it can be used after online registration, with a single payment and a one-day limit of 500 yuan.
Installment business: support 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.
Billing date: There are multiple billing dates every month, and the cardholder can change it once a year within the validity period of the card.
Currency: RMB, RMB/USD, RMB/Euro.
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.
Tip:
If you don't repay in full before maturity, you won't enjoy the interest-free period. 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.
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 charge a late fee of 5% of the minimum repayment amount.
Which card is better for China Construction Bank to apply for credit card?
Relatively speaking, commercial banks are easier to handle than the credit cards of the four major state-owned banks in China. Each bank's credit card has its own characteristics and processes. Credit cards of China Merchants Bank, Bank of Communications, CITIC and Guangfa are easier to handle than those of the four major banks.
According to Article 7 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, credit cards refer to all kinds of media that record the relevant information of cardholders' accounts, have the functions of bank credit line and overdraft, and provide relevant banking services for cardholders.
1. China Merchants Bank Credit Card
The best credit card of China Merchants Bank is YOUNG Card, a credit card product tailored for the younger generation. Fresh graduates can apply for small white-collar workers, and college students who have reached 18 can also apply for formal internship contracts.
Friends who have used China Merchants Bank's credit card know that China Merchants Bank's service is very good, which is the best among all banks. Although China Merchants Bank can't handle cards with cards, the efficiency of issuing cards and withdrawing cash is still quite high. Moreover, China Merchants Bank supports WeChat cash withdrawal test. Once the test passes, you can withdraw cash quickly, simply and quickly, which is so powerful.
2. Bank of Communications Credit Card
It is often recommended to apply for the Y-power card of Bank of Communications, and the withdrawal amount is 65,438+000%. There is no annual fee in the first year, and you can avoid the annual fee by swiping your card six times in the second year, which is very powerful.
The usual activities are also super powerful, such as the annual essential activities: the most red star period five, the super most red star period five, and the weekly brush. In addition, Bank of Communications supports card processing. Although the risk control is strict, it is not as difficult as everyone said.
3. Ping An Bank Credit Card
Ping An Bank has also expanded rapidly recently to support the insurance policy. Compared with China Merchants Bank and Shanghai Pudong Development Bank, the preferential activities of Ping An Bank's credit card are not outstanding. However, the owner card of Ping An Bank is very powerful for the owner, because there are many gas concessions.
4. CITIC Bank Credit Card
It is recommended to apply through the internet, which is quite efficient. Generally, short messages will be accepted by banks within 24 hours. Auditing information is simple, as long as you provide a copy of your ID card. But as for the amount, it is very difficult.
Citic's credit card has more powerful activities from time to time. In recent years, the "9-point exchange" activity has a good reputation, but it has been spit out by everyone because of the adjustment of strategy. However, I still recommend its Platinum Card and JD.COM White Card.
Verb (abbreviation of verb) Guangfa Bank Credit Card
Guangfa is known as an iron rooster, mainly because the quota is difficult to mention, but there are still many preferential activities. The best credit card of Guangfa Bank is undoubtedly Guangfa True Love Credit Card. As long as you are a female customer and can provide stable income proof and personal information, there is no obstacle to applying for this card.
6. China Everbright Bank Credit Card
It is easy to apply for a card, and the amount is high. You can apply for an adjustment of the quota for half a year, and generally increase it by 1 times at a time. The best thing is that there are many points activities, often several times as many as sending points, and online transactions are also counted as points.
In fact, at present, as long as your credit qualification is good enough, apply for a credit card in any bank, repay the loan in time, and use the card reasonably, the quota will go up.
Which card should I use for CCB credit card?
CCB's credit card is not the best. It is best to choose what suits you. There are many types of credit cards in CCB. You can choose according to your own needs and card habits, such as the following:
1, Longka enjoys a credit card, which is suitable for users with consumption abroad.
2, dragon truck card, suitable for car owners.
3. Longka Tuniu Travel Card is suitable for users who like to travel.
4, Vipshop Dragon Card, suitable for users who often shop online.
Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
main feature
① Credit card is one of the fastest-growing financial services, and it can replace the traditional cash circulation in a certain range;
② Credit cards have both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers;
Credit card is a high-tech product integrating financial business and computer technology.
Credit card can reduce the use of cash and currency;
⑤ Credit card can provide settlement service, which is convenient for shopping and consumption and enhances the sense of security;
⑥ Credit card can simplify the collection procedures and save social labor;
⑦ Credit cards can promote commodity sales and social demand.
Financial management strategy
1, control the number of credit cards, enough is enough.
Once there are too many credit cards, it is easy to get the repayment date of this card wrong and forget the credit limit of that card, which is difficult to manage, and it is easy to cause overdue repayment and leave a bad record. Moreover, multi-card credit card points, too scattered points are not conducive to redemption of gifts. Therefore, it is suggested that only 1~2 credit card is enough.
2. Keep credit card vouchers
Most credit card holders don't care about these documents, and they won't keep them. Most of them are thrown away, which is a very bad habit. In fact, keeping good credit card vouchers is not only convenient for summarizing consumption records every month, and then analyzing and optimizing consumption habits, but also helpful for improving the rationality and transparency of credit card consumption, so as to clearly understand credit cards. Moreover, many people's credit cards do not have passwords, and discarding credit card vouchers at will may lead to the theft of credit cards.
For safety reasons, it is best to keep credit card vouchers after consumption, so that you can know fairly well and develop good credit card financial habits.
3. Reduce cash withdrawals
Credit cards have two functions: overdraft and cash withdrawal, but cash withdrawal requires a certain percentage of handling fees, and even if you deposit your own money, you have to charge. So it is not cost-effective to use it or use it as a passbook.
Step 4 choose the right credit card
The choice of credit card is very important. Nowadays, many commercial organizations have bundled cooperative business with banks. For example, they can set up a joint credit card of a department store and the corresponding bank, and they can spend points here as members and get discounts. Or some cards can be discounted at designated merchants, including eating, watching movies, towing services, etc. , there are many names, and you can choose freely according to your own needs. Use your credit card well and choose it well.
5. within the maximum consumption limit of credit card, swipe your card as much as possible.
Every credit card has a limit. If you swipe your card within this maximum, you are safe. Then, within this controllable range, please swipe your card as much as possible. Because a credit card is equivalent to asking the bank to repay you in advance when you buy something, why not return it to the bank on time on the repayment date? On the one hand, it is more convenient for consumption, on the other hand, it can accumulate credit, and the bank can also charge the merchants a handling fee from the amount of your credit card, which can be described as a win-win situation.
6. Repayment will not be made until the repayment date.
Use the last repayment date to earn more interest. After all, the money is in your account, and the interest generated is also your own, so you should make full use of the opportunity of the money in your own hands and let it generate more money. In addition, if you can't repay on the repayment date for some special reasons, please call the bank's credit card customer service hotline to explain the situation and ask for an extension of repayment 1 to 2 days. Generally, this situation will be allowed.
Let's stop here for a good introduction of CCB credit cards.