Longka dual-currency credit card (hereinafter referred to as "dual-currency credit card") is a series of Longka products issued by China Construction Bank (hereinafter referred to as "issuing bank"). It is a credit payment tool issued by the issuing bank to the public, and the cardholder can use the money first and then repay it within the credit limit approved by the issuing bank. It can be used in China (excluding Hong Kong, Macao and Taiwan, the same below) and overseas (including Hong Kong, Macao and Taiwan, the same below), and settled in RMB and designated foreign exchange respectively.
Credit cards can be used in various consumption fields, such as shopping and eating in shopping malls. , as long as it can be used anywhere, it can also be bound to third-party payment, such as Alipay and WeChat. Moreover, credit card consumption enjoys an interest-free period, as long as it is repaid in full and on time according to the bill amount on the due repayment date, it enjoys an interest-free period.
Dual-currency credit cards are divided into VISA cards and MasterCard cards according to different international organizations, corporate cards and personal cards according to different card issuers, and platinum cards, gold cards and ordinary cards according to different credit status of cardholders. China Construction Bank, dual-currency credit card holders and Longka special merchants (including special merchants with UnionPay acceptance logo) shall abide by the Articles of Association.
Dragon Card Application Criteria:
1. To apply for a dual-currency credit card, the applicant must agree to abide by the Articles of Association, fill in the application form, provide relevant supporting materials and submit it to the issuing bank for review.
2. Organs, organizations, armed forces, enterprises, institutions and other organizations (hereinafter referred to as units) that have opened basic deposit account in domestic financial institutions may apply for unit cards with the basic deposit account Account Registration Certificate and relevant supporting documents approved by the People's Bank of China.
3. A natural person with full capacity for civil conduct and repayment ability may apply for a personal card master card with his/her valid identity document and relevant supporting documents, or apply for a supplementary card for other natural persons with full capacity for civil conduct or natural persons with limited capacity for civil conduct (with the permission of his/her legal representative). All transaction funds of the secondary card and corresponding interest and expenses are credited to the account of the primary card, and the cardholder of the primary card bears all repayment responsibilities; The main cardholder and the supplementary cardholder with full capacity for civil conduct shall be jointly and severally liable for the debts owed to the bank, while the supplementary cardholder with limited capacity for civil conduct shall only be liable for the debts incurred by the supplementary card held by him.