1. Applicants for personal cards must be citizens with full capacity for civil conduct, stable income and reliable credit.

2. Married citizens can apply for a secondary card for their spouse or immediate family members over the age of 18 within the scope of their main card.

* go through the formalities:

1. Fill in the China Construction Bank Longka Application Form (individual).

2. Submit the applicant's valid ID card (ID card, military officer's card, passport) and a copy of the guarantor's valid ID card.

3. Submit the letter of credit investigation of the applicant and guarantor.

4. After the approval, open the card at the business counter and pay the reserve fund 1 10,000 yuan and the annual fee. Pick up the card after three working days.

Longka is a bank card product introduced by China Construction Bank to the society. Since the release of 1990 in May, it has a development history of 10 years. /kloc-since 0/0, Longka has been aiming at service, aiming at meeting customers' greatest needs, taking technology as the guide and adhering to the people-oriented business philosophy, making Longka's business flourish. By the end of 2002, the Bank had issued 654.38+200 million dragon cards, including 4.88 million credit cards, more than 84,000 special merchants and more than 20,000 cash withdrawal outlets. In 2002, the trading volume of Longka reached 3,329.3 billion yuan. CCB Dragon Card has a high popularity and influence, and has become one of the popular bank card brands.

Longka combines the long-standing China culture with modern high-tech means in the card image design. All the products are based on Feilong, which leaves a deep impression with its extraordinary and elegant image. The slogan "The descendants of the dragon use the dragon card" resounded throughout the country.

In terms of product development, Longka adheres to the principle of paying equal attention to development and standardization, and develops products, improves functions and gradually forms a series from the perspective of meeting the needs of different customers to the greatest extent. At present, the products that have been introduced to the society are: dragon card credit card (gold card, ordinary card), dragon card debit card (savings card, debit card, special card), IC card and so on. , but also with schools, institutions, enterprises and institutions jointly issued joint cards, subscription cards, etc. The service field involves commerce, tourism services, food and entertainment, transportation, post and telecommunications. With the constant change of customer demand, Longka will continuously introduce new products, and its service field will extend to a deeper and higher level.

Longka credit card is one of our Longka series products. One card and two coins, universal at home and abroad. This is an international standard credit card. It will bring you a brand-new consumption concept, help you manage your finances easily and bring greater flexibility and convenience to your life. It is your wisest choice to have a new era of Longka credit card.

Longka credit card

1. One card and two currencies are common at home and abroad.

Longka credit card can be used by nearly 30 million merchants in 300 countries and regions around the world and all networked ATMs and cash withdrawal outlets. Domestic transactions are settled in RMB, and overseas transactions are settled in USD. Your overseas transactions are converted into US dollars at the preferential exchange rate provided by international organizations and deposited into your credit card account. Avoid carrying a lot of cash and reduce the exchange rate loss that may be caused by currency exchange.

2. Consume first and then repay

Longka credit card is an international standard credit card. Cardholders can spend first and then repay within the approved credit limit without pre-deposit. According to the statement, you can enjoy interest-free treatment for up to 50 days if you choose to repay in full within the specified repayment date. When you choose the minimum repayment amount, you can continue to enjoy the bank revolving credit.

Step 3 Revolving loan

According to your credit status, we will give you a credit limit of up to 50,000 yuan. You can withdraw or withdraw cash within the credit line approved by our bank without going through other loan procedures. As long as you keep a good credit record, the credit limit will revolve around you.

4. RMB repayment in consumption abroad

After you are in consumption abroad, with the current statement of Longka Credit Card, you can directly repay RMB to purchase foreign exchange, without going through complicated foreign exchange purchase procedures and being limited by the quota, which will save you the trouble of insufficient foreign exchange and complicated foreign exchange purchase, and provide convenience for you to purchase foreign exchange.

Longka Gold Card holders can spend money in Longka special merchants, settle accounts with their cards, and enjoy the circulating consumer credit provided by China Construction Bank within a certain credit limit, with a credit limit of 6,543,800+0,000 yuan to 50,000 yuan.

After the customer settles the account with the card, CCB will send a statement to the customer to let the customer know the consumption of the card in the current month. Customers can continue to enjoy the consumer credit provided by CCB after repayment according to the relevant provisions of the statement.

According to the regulations of the People's Bank of China, if the customer fails to repay the loan within the specified time, the Construction Bank will not only charge the loan interest of the overdraft amount at the daily interest rate of 0.5%, but also charge a late fee of 5% of the unpaid minimum repayment amount. If customers can pay the minimum monthly repayment (usually 65438+ 00% of the amount owed), CCB will still provide customers with consumer loans.

When customers are in urgent need of petty cash, they can withdraw cash from China Construction Bank outlets and ATM machines with their cards and passwords.

With this card, customers can entrust China Construction Bank to make automatic transfer on a regular basis, pay relevant fees and repay the principal and interest of personal housing loans or other consumer loans.

If the gold card is lost or stolen, the customer must immediately call the bank or the nearest outlet to report the loss in writing. China Construction Bank provides priority services for gold card holders, and is free of loss reporting fees.

A special card is a debit card that has a special purpose and is used in a specific area.

Has the following functions:

1. Transfer settlement.

2. Cash access function.

3. Pay all kinds of financial expenses and taxes by card.

4. Used to collect gas, water and electricity bills.

5. Used to pay the traffic collection fee.

Transfer card is a kind of dragon debit card, mainly for corporate customers. Debit cards issued to individuals have the same function as savings cards.

1. General deposit and deposit

2.ATM withdrawal

3. Payment and settlement

4. The deposit bears interest.

5. Telephone banking services

6. Receiving and paying on behalf of others

The difference between IC (chip) card and magnetic stripe card lies in the difference of information carrier. IC card is characterized by high transaction speed and large information capacity, and has the functions of storing information and logical operation. IC cards are suitable for a wide range of fields.

IC card has the following characteristics:

1. It is not highly dependent on the network, can be used offline, and can provide fast transaction speed.

2. Used for small payments that are frequently used, such as supermarkets and parking fees.

3. Used in business areas that need necessary information processing, such as social insurance account management.

4. Used for identification, such as online transaction security identification, access control management, etc.

Co-branded card is a subsidiary product of bank card jointly developed by China Construction Bank and for-profit organizations. Subscription card is a subsidiary product of bank card jointly developed by commercial banks and non-profit organizations.

co-branded card

Longka Co-branded Card is a Longka product jointly issued by CCB and large enterprises (groups) or units with good social reputation and economic conditions. It has the following functions and features:

It has the function of attaching a dragon card.

Cardholders can enjoy special services and certain discounts jointly provided by banks and joint ventures.

Bank donation check card

Longka ID card is a product jointly issued by China Construction Bank, schools, social welfare organizations, charities and other public welfare units. It has the following functions and features:

It has the function of attached dragon card, such as recognizing credit cards and debit cards.

Schools, charities and social welfare organizations (institutions) accept a certain percentage of donations from cardholders in their shopping and consumption transactions, and are recognized by cardholders.

business card

/kloc-In June, 2008, China Construction Bank was the first company in China to launch Longka business card. Four well-known enterprises, including China Jinmao (Group) Co., Ltd., Amway (China) Commodity Co., Ltd., Huawei Technologies Co., Ltd. and China International Capital Corporation Limited, became the first customers of China Construction Bank Longka Business Card. The launch of Longka Business Card enriches the varieties of Longka Credit Card, which indicates that CCB's credit card business has expanded from personal business to corporate business.

Longka Business Card, as one of the series products of Longka Credit Card, is a dual-currency business credit card that serves enterprises and institutions, provides payment and settlement, financial management and other services for business activities of enterprises and institutions, and meets international standards. Cardholders designated by the unit can use it at home and abroad, and pay the money first and then repay it within the credit line approved by CCB. From now on, all enterprises and institutions that open RMB basic account can apply to China Construction Bank on the basis of credit.

Internationally, credit cards are widely used by companies in financial activities, and by large multinational companies such as Fortune 500, various enterprises, institutions and government departments. Business cards have become an effective tool for enterprises and institutions to reduce financial costs and strengthen financial management. Longka Business Card, carefully designed and developed by China Construction Bank in accordance with international standards, can set quotas for its departments and individuals according to the use needs of unit customers, and provide credit line grading control services, provide summary bills and detailed bills to units, and provide personal bills to unit cardholders, so as to help units easily grasp the rules of business expenditure activities, improve operating efficiency and strengthen financial management. For corporate cardholders, there is no need to prepay travel expenses within the limit, which is convenient and safe to use around the world; For enterprises, it can not only use funds flexibly, but also realize the hierarchical control of credit line, which is helpful to reduce the use of enterprise reserve funds and reduce financial costs. At the same time, Longka Business Card has the basic functions of Longka Credit Card, such as one card with two currencies, paying the money first and then repaying it within the approved limit, enjoying the longest interest-free period of 50 days for consumption, purchasing foreign exchange in RMB for repayment in consumption abroad, and choosing a password. The company name is also embossed on the card surface, which is a symbol of the company's credit and quality.

Since the issuance of Longka (dual-currency) credit card on August 8, 2003, China Construction Bank has carefully designed its product functions and services in accordance with international practice, and has continuously introduced new functions and services such as repayment by purchasing foreign exchange in RMB by telephone or by purchasing foreign exchange in a designated account in consumption abroad, optional domestic consumption password and ATM password modification. At the same time, CCB actively draws lessons from successful experiences and mature practices at home and abroad, strengthens risk management and deepens customer service. By the end of April this year, the number of Longka (dual currency) credit cards issued by domestic banks had exceeded 1 10,000. The launch of Longka Business Card will further enhance the market influence and comprehensive competitiveness of CCB Longka (dual currency) credit card.