With a clear understanding of the trend and a steady start, CCB's credit card will enhance its awareness of innovation, market, risk, compliance and service in an all-round way, focus on improving market competitiveness, customer management, refined management, steady governance and value creation, promote the high-quality development of credit card business in an all-round and multi-level way, and create a "second development curve". Its overall performance has achieved good performance.
At the same time, in line with the belief of helping dreams with a little love and letting love continue to pass on, CCB Credit Card has successively launched the projects of "Love 100 points" and "Micro-public welfare to realize dreams with points", insisting on the innovation, diversity, difference and versatility of financial products in charity and poverty alleviation. While realizing the cardholder's dream of good public welfare, it also makes consumption a wonderful experience.
Deepen innovation and development and continue to protect consumers' rights and interests.
Start with the system, strictly regulate, audit, internal control, publicity and strengthen word of mouth. China Construction Bank adheres to the service concept of "customer-centered" and constantly protects consumers' rights and interests around fulfilling social responsibilities.
CCB implements matrix management of consumer rights protection for credit cards of the whole bank. In recent years, a number of requirements and guiding opinions on the protection of credit card consumers' rights and interests have been issued, and the construction of rules and regulations and work norms in specific business areas has been vigorously strengthened, and the protection of consumers' rights and interests has been embedded in business systems, further strengthening the integration of consumer protection systems.
CCB continues to strengthen the concept of consumer protection focusing on prevention, resolutely implement the "one-vote veto" system of consumer protection audit, and give full play to the role of consumer protection audit in intervening management and avoiding consumer disputes.
CCB implements the central financial risk prevention and control requirements, always regards asset quality and regulatory compliance as the lifeline of bank credit management, and builds a "three lines of defense" for risk prevention and control, with strong risk management capabilities to ensure the cardholder's card safety and high-quality business development.
In order to ensure the safety of customers' credit cards, CCB Credit Card has established three anti-fraud defense lines covering the whole process of credit card use: "prevention in advance, control in the process and disposal afterwards", independently developed a new generation of enterprise-level anti-fraud system, realized real-time intelligent decision-making at the transaction level of hundreds of millions of customers, and launched value-added services such as "Anxin Longka" and "security lock" to safeguard the rights and interests of hundreds of millions of customers in safe and convenient card use. Through comprehensive risk management, CCB's credit card has maintained the best asset quality in the industry for many years while its business scale has developed rapidly. By the end of June 2009, CCB had issued 65438+28 million credit cards with 94.6 million customers. In the first half of the year, the consumption transaction amount was10.5 trillion, and the loan balance exceeded 670 billion. According to public information, CCB credit cards continue to lead the industry in core indicators such as total number of customers, loan balance and asset quality.
Full marks in love.
Gather public love and unite all sectors of society to support the development of charity and public welfare undertakings. CCB credit card always regards sincere return to society as the proper meaning of development.
On 20 19, CCB's credit card points charity project focused on "smart education" and went deep into poor primary schools in Yunnan and Chongqing to make charitable donations. 2065438+On August 29th, 2009, CCB credit card entered Yongping Longjie Middle School in Dali, Yunnan Province, and donated 70 students to study. On September 19, 10, CCB credit card entered Gaolou Central Primary School in Tianyuan Township, Wuxi County, Chongqing, donated money to help the school build multimedia classrooms and distributed condolences for teachers and students.
Related Q&A: Can CCB Credit Card Center call in at night? Yes, the customer service phone on the back of CCB's credit card is manned 24 hours a day. But recently, the line is busy, and it is difficult to enter the manual service.