Dragon Card:

1. Issuance Targets

Citizens with full capacity for civil conduct, stable legal income, and reliable credit can choose to apply for a Dragon Card credit card For personal cards, you cannot apply for duplicate cards or cards for one person. The main card applicant’s spouse and immediate family members over 18 years old can have no more than two cards. The primary cardholder bears all card usage responsibilities for himself and his supplementary cardholders and has the right to request cancellation of their supplementary cards.

2. Application conditions

Guarantee must be provided when applying for a credit card. There are three types of guarantees: guarantee, mortgage and pledge. Our bank currently adopts two methods: guarantor guarantee and simultaneous use of guarantor guarantee and deposit of deposit as pledge.

3. Restrictions on personal guarantor conditions

1. The person must have a registered residence and work unit in the city where the card issuance bank is located, and must have stable income and the ability to repay debts.

2. Personal guarantors are generally limited to providing guarantee for one applicant, with no more than two at most.

3. Applicants are not allowed to provide mutual guarantees or circular guarantees.

4. Persons without employment or income, the applicant’s spouse and employees of the Bank’s credit card department are not allowed to provide guarantees for the applicant.

4. Application steps:

The applicant submits relevant information - fills out the application form at the card issuer - is reviewed and approved by the card issuer - deposits the reserve fund and annual fee - receives the card

5. Scope of use

Longka credit card has multiple functions such as shopping and consumption, cash deposits and withdrawals, transfer settlement, and consumer credit.

1. Use at business outlets

Can handle deposits, withdrawals, and account balance inquiries. Credit card transfer business must be handled at the bank accounting counter.

2. Use at ATMs

Cardholders can make deposits at ATMs according to the face value (50 yuan, 100 yuan) and number of cards (15 cards) specified by the issuing bank. . The bank will debit the account based on the verified amount and time. When withdrawing money from an ATM, the maximum limit is 1,000 yuan per transaction, the daily cumulative maximum limit is 5,000 yuan, and the daily cumulative number is 5 times. You can check your account balance and change your password at the ATM.

3. Use at special merchant POS

When spending at special merchant POS, the merchant’s cashier swipes the card on the POS, enters the consumption amount, and then the cardholder enters the password and prints the consumption In the transaction slip, the cardholder must sign to confirm the transaction amount. When the transaction cannot be successful by swiping the card at the POS, you can manually place an order to authorize consumption.

6. Dragon Card Credit Card Replacement

Card replacement includes expiration, loss reporting, and special card replacements such as damaged cards and forgotten passwords. Cardholders should go to the original card issuer to apply for card replacement and fill out the card replacement application form. After the card issuer reviews and approves the expired card replacement, it will notify the cardholder to pick up the card 5 working days later. In addition to reporting the loss of the card and replacing it, the old card needs to be returned when handling the card replacement business.

7. Credit card overdraft

Credit card holders must keep sufficient reserves in their card accounts and can overdraft consumption within the credit rating limit approved by the card issuer. The maximum overdraft for ordinary cards is The limit is 5,000 yuan, and the maximum overdraft period is 60 days.

Great Wall Credit Card:

1. Applicants for installment payment with Great Wall Credit Card

Resident residents in this city

Holders of Bank of China Great Wall Credit Card Personal card

Card holders with good reputation

2. Types of products for installment payment

Computers, home appliances, motorcycles, high-end furniture, mobile phones, etc.

3. Amount of installment payment

2,000 yuan - 20,000 yuan

4. Period of installment payment

24 months< /p>

5. The interest rate of installment payment

According to the loan interest rate of the corresponding period announced by the People's Bank of China: currently, the 12-month interest rate is 5.31%; the 24-month interest rate is 5.49 %.

6. Handling of Great Wall Credit Card Installment Business

If the customer does not have a Great Wall Credit Card, he or she must first go to Bank of China to apply for a Great Wall Credit Card. The cardholder must go to the service outlet with his credit card and ID card. Consult and select products. The service point asks the bank for the authorization number, swipes the card, and the cardholder signs the purchase form. The cardholder fills out the "Loan Contract", "Confirmation of Interpretation of Contract", and "Service Provider Delivery Note".

7. Loan guarantee

The cardholder needs to bring the guarantor to the bank to fill out the "Guarantee Contract" and "Confirmation of Interpretation of the Contract". Within a few working days after the bank issues the loan, Service providers provide door-to-door delivery services for users.

Function of Great Wall Credit Card

The main functions of Great Wall Credit Card include cash withdrawal, deposit, transfer and consumption

1. Cash withdrawal

Great Wall Credit Card Personal card holders can handle cash withdrawals at the branches of the Bank of China system across the country. In our province, Great Wall Credit Card personal cards can be used to withdraw cash at our bank's ATMs and the ATMs of other banks that have joined the Jiangsu Province Gold Card Network Center.

When handling cash withdrawals at business outlets, cardholders should present their identity documents, and color photo cards do not need to be presented.

There is no handling fee for cash withdrawals in the same city, and a 1% handling fee for cash withdrawals from other places.

Cash withdrawals are not allowed with Great Wall credit card corporate cards.

2. Deposits

Great Wall Credit Card personal cardholders can make deposits at the branches of the Bank of China system across the country, or entrust others to make deposits on their behalf. When making a deposit, you can present your Great Wall credit card, or you can only provide your Great Wall credit card number and account name.

There is no handling fee for deposits in the same city, and a handling fee of 1‰ for deposits in other places, with a minimum of 5 yuan and a maximum of 500 yuan.

Cash cannot be deposited with the Great Wall Credit Card Corporate Card.

3. Transfer

Cardholders can handle transfer business at the business outlets of the Bank of China system nationwide. According to the regulations of the People's Bank of China: Funds in the unit card account can only be transferred and deposited from its basic deposit account, and transfers to other unit accounts can only be handled. Personal cards can handle transfers to other personal or unit accounts, but funds transferred from unit accounts to personal cards are limited to income from wages, labor remuneration, travel expenses, investment returns, etc. There is no handling fee for intra-city transfers; there is a handling fee of 5‰ for long-distance transfers, with a minimum of 10 yuan and a maximum of 500 yuan.

4. Consumption

Great Wall Credit Card holders can use the card and ID (color photo card holders do not need to show ID) to purchase special discounts at any Bank of China Great Wall Card store nationwide. Merchants can pay for various expenses such as shopping, accommodation, travel, transportation, catering, entertainment, etc. without paying any fees or entering a password. If the machine of another bank prompts you to enter a password, the cardholder can enter any 6-digit password.