Call deposit is a kind of deposit with no agreed term, and can only be withdrawn after notifying the bank in advance and agreeing on the date and amount of withdrawal. No matter how long the actual deposit period is, individual notice deposits can be divided into one-day notice deposits and seven-day notice deposits according to the length of advance notice of depositors. One-day notice deposit must be notified one day in advance, and seven-day notice deposit must be notified seven days in advance. Minimum Deposit Amount The minimum deposit amount, minimum deposit amount and minimum retention amount of RMB call deposit are all 50,000 yuan, and the minimum deposit amount of foreign currency is 65,438+0,000 US dollars equivalent. Currency of deposit The currency of the notice deposit is RMB, HK$, GBP, USD, JPY, EUR, CHF, AUD and SGD. Applicable interest rate The call deposit interest rate of RMB and foreign currency is higher than the deposit interest rate. A gold card in a bank and a gold card in a credit card are two different things.

The former is generally aimed at customers with deposits of more than 300,000-500,000. Priority can be given to business and preferential rates can be given to business. For example, the wealth management account of ICBC.

Credit cards can generally be overdrawn by 10000 yuan. Banks have no privilege to handle business. For example, CCB's Ledangjia wealth management card is one of the series products of CCB's Dragon Card Debit Card, which is issued to CCB's high-end customers and is divided into platinum card, gold card and silver card. It has the functions of cash deposit and withdrawal, payment settlement, securities trading, foreign exchange trading, shopping consumption, personal credit investigation, account management and other financial signing services. At the same time, as a VIP customer of our bank, customers can enjoy the corresponding level of VIP services provided by our bank with their cards.

characteristic

1. One-card multi-account fully manages your Ledangjia wealth management card, and can manage your pledged loan account in addition to current and fixed deposit accounts in RMB, USD, HKD, Japanese yen, Euro, British pound and other currencies (hereinafter referred to as local and foreign currencies). In addition, you can also link other accounts of China Construction Bank with Ledangjia wealth management card to make overall arrangements for funds.

2. Sign up for financial management and transfer money automatically. You can handle a variety of automatic transfer services, such as changing current account into current account, changing current account into fixed account, changing fixed account into current account, changing notice into current account, and automatic remittance. The bank will automatically allocate funds for you according to your contract.

3. Self-help loan is simple and quick. You can use the self-help channel provided by China Construction Bank to apply for a short-term RMB pledge loan with the lump-sum time deposit or certificate-based national debt account in your Ledangjia wealth management card as collateral to solve the urgent need.

4. Investment and wealth management, maintaining and increasing value. With the Ledangjia wealth management card, you can handle a series of investment and wealth management businesses, such as foreign exchange trading, voucher-type treasury bonds, bank-securities transfer, customer margin service, etc., which is a good financial helper for you to obtain higher income.

5. It is convenient and flexible to collect and pay on behalf of others. You can use the Ledangjia wealth management card as a payroll account, and it can also be used to withhold and remit related expenses, so as to avoid the inconvenience of paying fees at the outlets.

6. Comprehensive reconciliation, send it regularly In order to let you fully grasp the income and expenditure of the account, we can send you a comprehensive statement every month, and all the transaction records in the account are listed at a glance.

7. Convenient number selection and identification. Customers who hold Ledangjia Financial Platinum Card or Gold Card can choose personalized card number according to their own preferences, reflecting your distinguished status.

8. Distinguished service, enjoy the distinguished customers who hold the Platinum Card (or Gold Card) of Ledangjia Finance. They can build financial centers, financial windows or VIP rooms of banks nationwide (or locally), with full-time account managers providing financial services and enjoying various preferential policies, which will bring you more convenience and dignity.

Application requirements;

To apply for the Ledangjia Platinum Card, you must deposit 50W (or equivalent foreign currency) in CCB, or spend 20W by credit card every year, or the foreign exchange transaction volume is 80W.

To apply for the Ledangjia Gold Card, you need to deposit 20W (or equivalent foreign currency) in CCB, or the annual consumption of credit card 10W, or the foreign exchange transaction volume of 40W.

Note: Due to regional differences, the application requirements of CCB vary from place to place.