CCB Zodiac Card has the basic functions of saving card, exchanging cards with the same card number, setting the minimum deposit amount and using it in different places. The application procedure of this card is simple, deposit first and then use, no overdraft and no guarantee. Nowadays, many citizens are keen to use the zodiac card as a stepping stone to cultivate children's financial knowledge, such as letting children use their own zodiac cards to handle payment business in online banking; Or parents transfer pocket money to the zodiac card account by means of transfer; Or guide children to handle express delivery through online banking to show filial piety to elders in different places.
As for Ronka
Longka quasi-credit card is one of China Construction Bank's Longka credit card products, and it is a payment and settlement tool with the functions of consumer payment, cash deposit and withdrawal, transfer settlement and micro-consumer credit.
Basic knowledge:
classify
According to the different credit card organizations, Longka quasi-credit card can be divided into UnionPay card, VISA card and MasterCard. According to the different information carriers of cards, they are divided into magnetic stripe cards, chip cards and composite cards. According to different card issuers, it can be divided into personal cards and unit cards; According to the different credit status of cardholders, it is divided into ordinary cards and gold cards; According to whether the card photocopies the cardholder's photo, it is divided into color cards and non-color cards.
function
Longka quasi-credit card mainly has the following functions:
1. Consumption payment: it can be spent by special merchants with UnionPay acceptance mark in China and other special merchants designated by banks; The countries or regions that have opened the UnionPay network overseas have the "UnionPay" acceptance logo for special merchants' consumption.
2. Deposit and withdrawal of cash: You can deposit and withdraw RMB cash from our domestic business outlets, ATMs and other self-service devices, and withdraw RMB cash from other ATMs and other self-service devices with UnionPay acceptance signs; Countries or regions that have opened the UnionPay network overseas will withdraw local currency from ATMs with the acceptance sign of UnionPay. Company cards can't access cash.
3. Transfer settlement: According to the relevant regulations of our bank, you can transfer money, handle it yourself or entrust our bank to handle the designated withholding business, but you can't overdraw and deduct money.
4. Small consumer credit: You can overdraw within the credit line approved by our bank. Company cards can only be deposited before use, and cannot be overdrawn.
Application card:
Application conditions
1. Personal MasterCard
A natural person who meets the following conditions may apply for a personal card master card:
(1) has full capacity for civil conduct;
(2) The age is between 18 and 70;
(3) Have a stable occupation and income;
(4) Good credit status.
2. Personal card supplementary card
To apply for the supplementary card of the quasi-credit card, the applicant must be at least 13 years old, and get the consent of the main card applicant or the main card holder. If it is 18 years old, it must also obtain the consent of its legal representative.
3. Unit card
Organs, organizations, military units, enterprises, institutions and other organizations with a certain scale and good reputation may apply for several unit cards, and the cardholder of each card shall be designated in writing by the legal representative (person in charge) of the unit or its authorized agent.
Application procedure
1. Personal MasterCard
To apply for a personal card of Longka quasi-credit card, you must fill in the Application Form for Longka quasi-credit card of China Construction Bank (personal card only) and sign the application form, and provide a copy of your valid identity information and relevant credit proof materials.
If you are a household registration applicant within the jurisdiction of the issuing bank, you must provide one of the following credit certification materials:
(1) Work certificate
(2) proof of income
(3) proof that an individual owns assets
(4) proof of residence
If the applicant is not a household registration applicant within the jurisdiction of the issuing bank, it shall provide the property certificate and one of the following credit certification materials:
(1) proof of income
(2) Self-owned car certificate
(3) Proof of financial assets
If it is a domestic citizen, it is generally free of guarantee; If you are a foreigner, you need to provide guarantor guarantee, pledge guarantee or deposit a certain amount of deposit.
Note: Work certificate includes copies of work permit and letter of appointment.
The proof of income includes the copy of personal income tax withholding certificate in the last three months, the record of provident fund payment in the last three months, the copy of bank card statement/statement/passbook of salary income in the last three months, the copy of social security certificate, the original payroll stamped by the company, the original proof of income stamped by the company, etc.
The proof of residence includes the original (or photocopy) proof of payment of telephone charges, water, electricity, coal (gas) charges, property management fees, cable TV fees and Internet broadband fees for the fixed residence in recent 1 month, and the account name of the proof of payment should be the applicant himself; If the name or person is not indicated, the household registration book or marriage certificate shall be provided.
The title certificate includes a copy of the local title certificate of the issuing bank, a copy of the purchase invoice or a one-time payment receipt, and a copy of the personal housing mortgage loan contract; Self-built real estate must also provide copies of construction permit, residential land permit and land use approval permit.
The vehicle factory certificate includes the copy of motor vehicle driving license, car purchase invoice, motor vehicle registration certificate and driving license agency certificate issued by the vehicle management office where the issuing bank is located.
Proof of financial assets includes a copy of time deposit certificate, a copy of passbook and financial management certificate (such as the original list of account transactions with bank seal, etc.). ).
The proof of personal ownership of assets includes the above-mentioned property certificate, vehicle production certificate and financial assets certificate.
2. Personal card supplementary card
To apply for a personal card supplementary card of Dragon Card Quasi-Credit Card, an application form should be filled in and signed by the applicant or cardholder of the main card. /kloc-applicants under the age of 0/8 must also be signed by the legal representative, and the applicant can provide his valid identity certificate. /kloc-applicants under the age of 0/8 can provide household registration books.
3. Unit card
To apply for a Longka quasi-credit card business card, the legal representative (person in charge) or his authorized agent shall fill in the Application Form for Longka quasi-credit card of China Construction Bank (only for business cards), sign the application form, affix the official seal of the company, and provide a copy of the valid identity certificate of the designated applicant and the basic deposit account account opening permit and organization code certificate stipulated by the People's Bank of China; Organs and institutions must also provide official letters or letters of introduction stamped with the official seal of the unit.
Card guide:
Signature and encryption
In order to ensure the safety of your card, when you get the Longka quasi-credit card, please immediately sign the same signature as the one reserved on the application form in the signature column on the back of the card, and modify the password at the designated outlets of our bank, ATMs and other self-service devices in time. Passwords should avoid using numbers that are easy to decipher.
use
1. Consumption
When paying by credit card and trading online, you should enter or not enter the password and sign the transaction documents in advance according to the agreement with our bank; For offline transactions, you need to show your valid identity documents (except color photo cards) and sign the transaction documents.
2. Cash withdrawal and transfer
When you handle withdrawal and transfer transactions at outlets, online transactions require you to enter your password and sign the transaction documents; When trading offline, you need to show your valid ID card (except color photo card) and sign the transaction document.
Note: When withdrawing money from ATM and other self-service devices, the daily cumulative withdrawal amount of each account shall not exceed the equivalent of RMB 5,000 (inclusive); When you use the credit line to withdraw cash, the daily cumulative withdrawal amount of each account shall not exceed the equivalent of RMB 2,000 (inclusive), and the cumulative withdrawal amount shall not exceed 30% of your credit line, and the transfer transaction shall be regarded as cash withdrawal.
deposit
When handling deposit transactions at outlets, you can handle them with your card or card number, and you can sign the transaction documents without entering a password or showing your ID card.
statement of account
If there is a transaction in your quasi-credit card account in the current month, we will settle your account at the end of the month and send you a statement. Please pay attention to check the statement regularly and take the initiative to audit the accounts. If you are in doubt about the accounting situation, please inquire or correct it to our bank within 90 days from the trading day.
password
1. Lock and unlock
If the password of the same Dragon Card quasi-credit card is entered incorrectly for three consecutive times, our bank will immediately lock the card and prohibit all transactions with the card. After the password is locked, you must apply for cancellation at the designated branch of our bank before you can open an account again. Unlocking procedures must be handled by myself with valid identity documents and cards, and cannot be entrusted to others.
2. Loss reporting and replacement
When you forget the card password, you can report the loss of the password at the designated outlet of our bank; After the password is reported lost, you can reset the password and reset it. Loss reporting and password reset must be handled by oneself with valid identity documents, and cannot be entrusted to others.
Loss reporting of credit card
1. loss reporting method
You should take good care of your dragon card quasi-credit card. If the card is accidentally lost or stolen, you should report the loss by telephone or online banking or go to our outlets to report the loss in writing.
2. Loss reporting takes effect
If the loss is reported by telephone or online banking, it will take effect after our bank confirms that the information is correct. At present, telephone loss reporting and online banking loss reporting are temporary and valid for 5 days. Please report the loss in writing within 5 days, otherwise it will be invalid. In order to provide you with better and more convenient service, from March 3, 20061day, the loss report of our quasi-credit card phone or online banking will be regarded as a formal loss report unless you. If you report the loss in writing, it will take effect immediately after accepting your application and completing the formalities at the outlets.
untie
If you find a quasi-credit card of Longka after reporting the loss, you can report the loss to the designated outlet of our bank with valid ID and card and unhook it. After decoupling, your card can be used normally.
Change card
1. Replace the card when it expires.
We will take the initiative to remind you to apply for a new card before your card expires, so as not to cause you any inconvenience.
2. Report the loss and change the card
After reporting the loss, you can apply for a new card at our outlet with valid ID.
3. Damage and card replacement
When your card cannot be used due to damage, breakage, degaussing of magnetic stripe or wrong signature, you can apply for a new card at our outlet.
cancel sb's household registration
When you need to cancel your Longka quasi-credit card account, please submit a written application to our bank after clearing the arrears. If the account is sold within the validity period of the card, our bank will cancel the account for you within 45 days after accepting the application for account cancellation; If the card expires less than 45 days, we will cancel your account after the card expires 45 days; In case of overdue, loss reporting or bank suspension for more than 45 days, we will immediately cancel your account.
If it is a personal card customer, it must be handled by himself with a valid identity document. If it is a corporate card customer, it should be handled by the person in charge with a letter of introduction from the company and a valid identity certificate of the manager. The remaining funds in the corporate card account can only be transferred back to the company basic deposit account, and cash cannot be withdrawn. When closing the account, all the cards of the Dragon Card quasi-credit card under the account should be returned. If you don't return the card, you will cut corners and destroy it.
Interest calculation method:
deposit
The deposit in your Longka quasi-credit card account will bear interest according to the deposit interest rate and interest-bearing method stipulated by the People's Bank of China, and the interest tax will be withheld and remitted by our bank according to law.
overdraw
With the Longka quasi-credit card, you can overdraw within the credit line granted by our bank. The overdraft will bear interest from the bank bookkeeping date, and the daily interest rate is 0.5 ‰, excluding compound interest, which is adjusted according to the interest rate policy of the People's Bank of China.