No guarantor, no deposit, no cash deposit. You only need to fill in the application form of China Bank Credit Card, and attach a copy of your identity document, permanent residence certificate and proof of financial resources, and you can enjoy the distinguished service.
One card, two currencies, global success.
China Bank Credit Card has opened RMB and USD accounts for you, which supports domestic and overseas credit card consumption and cash advance. Domestic transactions are accounted for in RMB, and overseas transactions are accounted for in US dollars.
Revolving credit and free deduction
Spend first, then repay, with a maximum interest-free period of 50 days, which makes your financial management more flexible and free to enjoy your credit.
Zero loss reporting risk
If Bank of China's credit card is lost or stolen, just call the 24-hour customer service hotline (86) 40066-95566/86-10-66085566, and you don't have to take risks after reporting the loss, so you can sit back and relax.
Transaction wuyouhang
If there is a large transaction or abnormal transaction in BOC's credit card, we will find it and confirm it with you as soon as possible to relieve your worries.
Intimate care, self-determined supplementary card quota
You can apply for supplementary cards for designated immediate family members who have reached the age of 16, and you can freely specify the credit limit of the supplementary cards (integer multiple of 10% is supported, and the maximum is 100%).
Repayment of foreign exchange purchase is convenient and fast.
The procedures for purchasing foreign exchange are more convenient and flexible, and consumption abroad directly handles the repayment of RMB purchase of foreign exchange with the current statement.
Four seas and one family, China serves.
Bank of China credit card members can enjoy the friendly Chinese service provided by local outlets of China Bank in 20 countries and regions around the world, so that you can also enjoy universal Chinese service in foreign countries.
In addition to the above ten functions, BOC Credit Card also provides a variety of professional services such as emergency card exchange, emergency cash exchange and temporary or long-term increase. Apply for China Bank Credit Card immediately and start your wonderful credit life!
▼ Features
Telephone foreign exchange repayment service
When you need to repay foreign currency arrears in RMB, you can easily handle the repayment of foreign exchange arrears in RMB by calling the 24-hour customer service hotline of BOC Credit Card.
Flexible plan automatic repayment service
When you need to change the agreed amount of automatic transfer repayment in the current month according to your own financial situation, the 24-hour customer service hotline is always waiting for your call, allowing you to choose the repayment amount freely and manage your finances easily.
▼ Value-added services
Consumption points, wonderful feedback
BOC Credit Card's "Monthly Brush Colorful Month" consumption incentive plan is particularly rich in content, and all BOC credit card holders automatically join the plan after successful application. Every time you spend or withdraw 1 RMB (or 1 USD) from China Bank Credit Card, you can get 1 points (or 8 points). If you accumulate enough consumption points, you can get as many as 27 kinds of generous gifts in five categories, including: flying miles, free annual fees, insurance gifts, IP phone cards, travel coupons and so on. The content of the gift will continue to increase, providing you with more choices.
Enjoy service and show superiority.
BOC Credit Card provides you with a number of exclusive services, including:
● Provide you with all kinds of special preferential merchants covering catering, entertainment, fitness and shopping at home and abroad;
● Enjoy Ctrip membership treatment with BOC credit card number;
● Use BOC credit card to enjoy the special car rental preferential service of Hertz International Car Rental Company.
▼ Frequently asked questions
1. Who can apply for a BOC credit card?
A: All China citizens, foreigners with the right of abode in China and compatriots from Hong Kong, Macao and Taiwan who have reached the age of 18, have full capacity for civil conduct and have a legally stable income can apply for BOC credit cards locally. You can also apply for supplementary cards for 16-year-old immediate family members. The main card holder can apply for up to three supplementary cards for each main card.
2. How to fill in the BOC credit card application form?
A: You need to fill in the application form truthfully and in detail with a blue or black pen or signature pen in block letters and sign it. The application form is a formal legal document, please don't sign it.
3. How to use BOC credit card?
Answer: generally speaking, you don't need to show your ID card and enter your password to use a credit card. You can prove your identity with your signature. If the cashier beckons you to show your identification, please try your best to cooperate; Please check whether the amount on the purchase order is correct before signing. At the same time, retrieve the cardholder's purchase order stub and attach it to the credit card of China Bank, and keep the purchase order for future check.
4. Is there any interest on BOC credit card deposits?
Answer: BOC credit card is a credit card, and no interest will be calculated on the funds deposited in the credit card or the excess repayment.
5. What is the reason why BOC credit card can't be swiped smoothly?
A: When you can't successfully complete a transaction with a credit card, the reasons may be:
Your credit card has not been opened.
Your credit card is not used for a long time, resulting in degaussing or damage.
Because your spending amount exceeds the current available limit, the spending amount on that day increases abnormally or the spending times on that day are too many, the card account is frozen or cancelled due to the arrears exceeding the time limit stipulated by the bank, and the issuing bank does not agree to swipe the card or asks for reconfirmation.
You haven't paid the down payment.
In some areas, because the line is busy or disconnected, the store cannot obtain the authorization of the issuing bank; Or the terminal of the store is out of order and cannot read the magnetic stripe data.
In addition, you should try to avoid putting the card next to items with strong magnetic fields, such as mobile phones.
6. What should I do if I have any questions about the transactions in the statement?
A: Please call the 24-hour customer service hotline to inquire about the disputed account. In order to better solve the disputed transaction, please provide relevant transaction information. When inquiring about the disputed account, the transaction you inquired will be treated specially, and no interest expense will be incurred. After the transaction is confirmed, if the credit card is forged, or the account is wrong due to the negligence of the special merchants and banks, you don't have to bear the transaction, and we will return the relevant money to your card account. If it is a normal transaction, the bank will charge the corresponding overdraft interest, late fees and other fees.
Remind you, please take good care of the receipt of the purchase order to facilitate accounting review. If the cardholder reads the purchase order from the bank, the issuing bank will ask the cardholder to pay a certain inquiry fee.
7. Why is there a "-"sign before the amount owed in the statement?
Answer: Due to the usual bookkeeping mark in the banking system, during the billing period in the upper right corner of the statement, a "-"mark may appear in front of the balance you owe, indicating that there are funds (including overpayment) in your credit card account and there is no need to repay.
8. Can I use RMB to purchase foreign exchange for repayment?
A: Of course! Converted according to the quotation on the day of repayment of foreign exchange. Please personally or entrust others to take the statement (original) to the business counter of China Bank where foreign exchange can be purchased. (The customer needs to bring the original ID card of himself and the cardholder. )
9. How can I change my personal information?
A: If your personal information changes (such as home and work address; Family, unit and mobile phone number; State address, contact information, etc. ), please:
A. Call the 24-hour customer service hotline (86) 40066-95566/86-10-66085566, and the customer service specialist will handle it for you.
B. Fill in the information change column on the back of the statement and send it to the Bank Card Center of China Bank.