CCB can usually complete the refund process within 3-15 working days; Bank of China or some local banks will need ten working days to refund the money to the credit card account; ICBC will need about 15 working days; It only takes 3 working days for China Merchants Bank.
It should be noted that if the refund arrives before the current bill date, the cardholder does not need to repay the amount; if the refund has been credited to the current bill, then the cardholder needs to follow Repay the amount shown on the bill date.
There are two main types of Jianshe bank cards:
The first is Visa, MasterCard and UnionPay; the second is debit card, quasi-credit card, Debit cards, credit cards, and so-called securities cards have been cancelled. Some are still usable, but new ones are no longer available.
The specific China Construction Bank cards are:
CCB Wealth Management Card:
CCB Wealth Management Card is a multi-currency, multi-currency card specially developed for China Construction Bank’s personal VIP customers. A functional, standardized and high-end financial management tool, this card provides you with convenient, efficient, comprehensive, all-round, personalized and one-stop services through professional account managers on the basis of integrating personal financial products, services, channels, networks and other resources. style services to provide you with a financial management experience of “easy financial management and calm control of wealth”.
CCB Dragon Card:
In order to realize customers’ expectations for bank card functions and provide customers with better, faster and more comprehensive financial services, CCB has comprehensively upgraded its original The function of the product "Dragon Card Savings Card" was integrated with the Principle Caicai Silver Card, and a comprehensive debit card product for customers - "Dragon Card" was launched.
Dragon Card Zodiac Card:
In February 1999, China Construction Bank issued the "Rabbit Butler" zodiac card for teenagers and children based on the Dragon Card savings card. An attempt to implement market segmentation and launch different personal financial products for different customer groups. In the next 12 years, savings cards with different zodiac signs will be launched every year, with pictures of the zodiac signs issued that year printed on the cards.
Cross-Hong Kong Long Card:
Cross-Hong Kong Long Card is designed for people who travel frequently and have funds to travel between mainland China and Hong Kong. It meets the needs of customers who can own China without opening an account in Hong Kong. design. In response to the demand for mutual assistance accounts between Hong Kong and other places, a comprehensive bank card product was launched. One card has both China Construction Bank and China Construction Bank (Asia) bank accounts.
Customers mainly use CCB (Asia) accounts when in Hong Kong and CCB accounts when in the Mainland. In addition, if one party's account balance is insufficient when withdrawing money from ATMs and making purchases at POS, the accounts in the two places can be linked to facilitate customers' use, and it also provides a more convenient and faster channel for fund communication between the two places.
Alipaylong Card:
Alipaylong Card is a bank card specially tailored for online shoppers by China Construction Bank Co., Ltd. and Alibaba (China) Network Technology Co., Ltd. It is also the first bank card in China. A co-branded debit card truly focused on e-commerce. The card not only has all the functions of UnionPay Dragon Card, but also enables cardholders to enjoy the "Dragon Card Alipay Card" service.
Guotai Junan Dragon Card:
Guotai Junan Dragon Card is a co-branded debit card based on the UnionPay Dragon Card and third-party custody model jointly issued by China Construction Bank and Guotai Junan. Applicable to individual securities investors who open accounts with Guotai Junan and other individual customers who voluntarily apply to hold this co-branded card.
Quasi-credit card:
Longka quasi-credit card is a payment and settlement tool issued by China Construction Bank to the public. It has consumer payment, cash deposit and withdrawal, transfer settlement, and small consumer credit and other functions.
What business does China Construction Bank have?
Personal housing loan business:
Personal housing loan business refers to China Construction Bank or China Construction Bank’s loans to urban residents within the territory of China Construction Bank Loans granted to natural persons for the purchase, construction and overhaul of various types of housing. The personal housing loan business mainly includes personal housing loans, namely personal housing mortgage loans, provident funds, personal housing loans, and personal housing portfolio loans.
Credit card business:
As a state-owned banking enterprise that was earlier involved in credit card issuance in China, China Construction Bank already has various types of credit cards.
The credit cards issued by China Construction Bank are all named "Dragon Cards". The types of Dragon cards that have been publicly issued include: Dragon Card, Dragon Card, Business Card, Dragon Card, China Eastern Airlines Dragon Card, Shanghai Volkswagen Dragon Card, Dragon Card, Hong Kong Wonderful Travel Credit Card, China Construction Bank Visa Ming Card, eLong Changxing Dragon Card, Mango Travel Dragon Card, Dragon Card (Master cup) tennis card.
Silver Star International Money Transfer:
CCB Silver Star International Money Transfer Company is an international money transfer personal business jointly launched by China Construction Bank and Silver Star International Money Transfer Company. Refers to the small-scale international remittance business in which CCB pays individual overseas foreign exchange remittances or remits personal foreign exchange funds overseas through Silver Star Money Transfer Company upon entrustment by customers.