JCB card is a practical international credit card in the world. It is a credit card jointly launched by Mitsui Bank of Japan, Credit Bank of Japan, Mitsui Bank, Sheikh Bank and King Kong Bank on 196 1. In 20 13 years, the credit card has been sold and circulated in 90 countries and regions around the world.
Japan Credit Bureau (JCB) is one of the international credit card organizations. It is a credit card institution established for companies such as Japan's Sanhe Bank, Japan's Xinmai Bank, Mitsui Bank, Sheikh Bank and Daiwa Bank. 196 1. The number of JCB users at home and abroad is about 65.438+0.3 billion. JCB issues Japanese yen as the settlement currency in most cooperative banks, that is, the dual-currency credit cards jointly issued by JCB and a domestic bank are RMB and Japanese yen. Then the cardholder swipes the card to Japan for consumption or settlement, that is, directly pays from the Japanese yen account of the credit card. After returning to China, the cardholder only needs to exchange RMB into Japanese yen through the issuing bank for repayment, and there is no loss of exchange difference in currency exchange.
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1. Starting from 198 1, JCB established JCB International Credit Card Company, with the goal of building a worldwide JCB credit card. As an international credit card brand, JCB has begun to expand its overseas business. JCB has always adhered to the expansion of JCB cards and popularized high-quality and high-value-added services that can meet the needs of all members in the world. JCB actively promotes the global distribution of JCB cards. JCB cards have been issued in 16 countries and regions, with 77.46 million members. JCB cooperates with more than 350 financial institutions around the world and has 20 branches and agencies overseas, which can be easily used in 190 countries and regions around the world. The cooperative bank JCB pays special attention to China, South Korea and other countries and regions. Because of its close relationship with Japan's economy and geography, the development prospect of credit card market is also very considerable. In China, nine banks have issued JCB credit cards, including China Bank, Shanghai Bank, China Everbright Bank, China Minsheng Bank, China Merchants Bank, Shanghai Pudong Development Bank, Ping An Bank, China Construction Bank and China Industrial and Commercial Bank.
Second, the number of cardholders exceeded 5 million. Service function In order to strengthen the global membership network, JCB will speed up the credit card issuance business in all countries of the world and provide JCB's quality services to consumers in more other countries. After establishing a strong special merchant network in Japan, JCB, as 198 1 the first credit card brand outside the American system, began to expand its special merchant business overseas. Since then, JCB has been committed to expanding the network of special merchants and establishing a stable infrastructure covering all commercial fields. As of March 20 12, there were about 22.25 million JCB merchants, covering 190 countries and regions around the world. In Japan, JCB actively promotes the field of credit card settlement that has not yet been popularized.
Thirdly, the "unsigned system" developed by JCB has been applied to Tokyo Disneyland. JCB members do not need to sign when shopping with their cards. The system has been applied in many fields. With this system, even when shopping in a crowded supermarket or passing through a highway toll station, it is easy to use JCB credit card for settlement. In addition, the signature free payment system of JCB card is also widely used in other service industries, including public charges and transportation.
How to handle the bank of China JCB credit card
You can complete the credit card application through Bank of China Mobile Banking, "China Bank Credit Card" WeChat official account, Colorful Life APP, online banking and Bank of China official website online. If there is a bank outlet in China nearby, you can also bring your ID card and other valid documents, as well as proof of economic source and income, and fill out an application form at a bank outlet in China to apply.
The above contents are for your reference. Please refer to the actual business regulations.
If you have any questions, please contact online customer service of Bank of China.
You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GOAPP to handle related business.
What does credit card jcb mean?
JCB card is a universal international credit card. It is a credit card jointly issued by Mitsui Bank of Japan, Nobuyuki Bank of Japan, Mitsui Bank, Concord Bank and Daiwa Bank at 196 1. At present, the credit card has been issued and circulated in 90 countries and regions around the world (20 13). They are the top five international credit card brands and the only international credit card brand originating from Asia.
JCB pays special attention to China, South Korea and other countries and regions. Due to the close relationship with Japan's economy and geography, the development prospect of credit card market is also very considerable. At present, nine domestic banks, including Bank of China, Bank of Shanghai, China Everbright Bank, Minsheng Bank, China Merchants Bank, Shanghai Pudong Development Bank, Ping An Bank, China Construction Bank and Industrial and Commercial Bank, have issued JCB credit cards, with more than 5 million cardholders.
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The disadvantages of using credit cards are as follows:
1, blind consumption of credit cards is not like paying cash, which costs a lot of money. I don't feel a few numbers, which leads to blind consumption and spending money like water.
2, excessive consumption: notebook staging, digital camera staging, smart phone staging, while enjoying your favorite items in advance, you should also consider whether you have the ability to repay.
3. High interest: If you can't take care of your credit card, the bank will charge you high interest if you can't pay it by the final repayment date.
4. Need an annual fee: Credit cards basically have an annual fee, but they basically have an annual fee-free policy. For example, CCB can be exempted as long as it swipes its card three times a year; But if you don't swipe your card to the bank the specified number of times within a year, you need to charge an annual fee.
5. Stealing: Credit cards are basically swiped by default without password, which is easy to be swiped by others when lost or stolen, causing unnecessary trouble or loss, but in fact, credit cards can also apply for swiping with password.
6. Affect personal credit records: Long-term malicious arrears will naturally affect personal credit records and even be blacklisted by banks. If you want to borrow money from the bank to buy a house and a car in the future, you may be rejected by the bank.
7, repayment trouble: going to the bank every month, often overcrowded, online repayment is not suitable for everyone.
8. Cancellation trouble: CCTV once reported that a cardholder received a bank bill a few months after paying off all debts and canceling his credit card, and what happened afterwards made him miserable. This article entitled "Unknown Credit Card" exposes the disadvantages of current credit cards.
Baidu encyclopedia -JCB
Baidu encyclopedia-credit card