China Construction Bank has issued various credit cards, but there is no best one for users, only the one that suits them best. For example, the credit card suitable for consumption is CCB Barbie America Credit Card, the card suitable for consumption abroad is CCB Longka Global Payment Credit Card, the card suitable for car owners is Longka Automobile Card, and the card suitable for online shopping is Vipshop Longka.
CCB's GSM payment card and GSM hot purchase card are issued in sets, which means that users who have applied for this card can enjoy the rights and interests of two cards. This card is more suitable for friends who have traveled abroad or need to study abroad. Because the global payment in RMB is recorded in full currency, cardholders only need to repay in RMB, and foreign exchange handling fees are also exempted, including aviation accident insurance and delay insurance.
In addition to participating in the redemption of Longka credit card points and gifts, the car card consumption points can also enjoy exclusive oil change discounts, and the points can be used exclusively to exchange oil fees. Oil change in the dragon truck card points exchange area: you can get 100 yuan oil fee for every 25,000 dragon truck card points; Integral POS oil change: starting point is 50000 points, and 250 points are exchanged in integral multiples; A single transaction can be exchanged up to 2000 yuan (500,000 yuan); The maximum redemption ratio of points is 99% of the recharge amount (the remaining 1% is paid by the car card). In addition, cardholders can also enjoy preferential car wash service once a week, national road rescue, and various car maintenance trailers to serve you in all directions, unlimited times.
CCB Himalayan FM Credit Card This card can enjoy exclusive discounts for hot sellers, as well as discounts in Hertz stores in the United States and Thailand, with a discount of 87% for standard platinum cards and 10% for gold cards. Using CCB Himalayan FM credit card to purchase tickets, you can enjoy all kinds of insurance protection and card loss protection services, so that users can travel without worry. The exclusive platinum card of CCB is a large platinum card of CCB. Now it's open to customers, so you can take the initiative to apply. From the amount of 80,000 yuan, the rights and interests will not disappoint everyone, covering business hotels, aviation, health care, distinguished protection and other services. However, the threshold is high, and everyone can choose whether to handle it according to their own qualifications.
Which card should I use for CCB credit card?
CCB's credit card is not the best. It is best to choose what suits you. There are many types of credit cards in CCB. You can choose according to your own needs and card habits, such as the following:
1, Longka enjoys a credit card, which is suitable for users with consumption abroad.
2, dragon truck card, suitable for car owners.
3. Longka Tuniu Travel Card is suitable for users who like to travel.
4, Vipshop Dragon Card, suitable for users who often shop online.
There are more types of credit cards. You can log in to CCB Credit Card official website () to check the application.
CCB Credit Card is a credit card issued by China Construction Bank. The credit cards issued by China Construction Bank are all named "Longka", including: Longka Famous School Card, Longka Business Card and Longka Automobile Card.
Annual fee-free policy: swipe your card for 3 times or 18 times (excluding special cards such as business cards and car cards) to avoid the annual fee for the following year.
Withdrawal fee: domestic: 5‰ of the transaction amount, with the lowest 2 yuan and the highest 50 yuan; Overseas: 3% of the transaction amount, with a minimum of $3.
Multi-account management: Bank * * * enjoys the same repayment independence of multiple CCB cards on the billing date.
Online payment: Alipay: it can be used after online registration, with a single payment and a one-day limit of 500 yuan.
Installment business: support interest-free installment for specific merchants (3, 6, 12). After a single consumption exceeds 1000 RMB, you can apply for installment by phone (3,6,0/2,0/8,24), and different handling fees will be generated for each installment according to the number of installments.
Billing date: There are multiple billing dates every month, and the cardholder can change it once a year within the validity period of the card.
Currency: RMB, RMB/USD, RMB/Euro.
Interest-free repayment period: Interest-free repayment period refers to the interest-free period of consumer transactions enjoyed by cardholders who repay in full on time. The interest-free period is from the bank bookkeeping date to the repayment date, with a minimum of 20 days and a maximum of 50 days. Overdraft cash withdrawal transactions do not enjoy interest-free repayment period.
Tip:
If you don't repay in full before maturity, you won't enjoy the interest-free period. The Construction Bank will charge interest at a daily interest rate of 0.5 ‰ and compound interest monthly. The interest-bearing date is from the date of consumption to the date of repayment, and the interest-bearing principal is calculated according to the actual amount payable.
If the repayment is not made before the due repayment date or the repayment amount is lower than the minimum repayment amount, CCB will charge interest as required, and at the same time charge a late fee of 5% of the minimum repayment amount.
What kind of credit cards does CCB have?
There are many types of CCB credit cards, and the following three are better:
1, CCB with Longka.
2. CCB Barbie Beautiful Credit Card.
3. CCB Longka Global Payment Credit Card.
Annual fee collection standard: main card 160 yuan/card, auxiliary card 80 yuan/card. If you swipe your card more than three times a year, you can waive the annual fee. The maximum extraction ratio is 30%, and the extraction fee is 0.5% of the extraction amount. The lowest in 2 yuan, with an interest-free period of 20-50 days.
The difference between credit cards of China Construction Bank: ordinary card, gold card and platinum card;
1, the annual fee is different.
Annual fee of CCB Credit Card Ordinary Card 80 yuan; Gold card annual fee 160 yuan; The annual fee of platinum card is about 400-3000 yuan.
2. Different quotas
The credit card of CCB is between 1000- 10000 yuan; The gold card amount is between 10000-50000 yuan; The amount of a platinum card is usually between 500,000 yuan and 6,543.8+0,000 yuan, and the authorized amount of a small platinum card may be between 20,000 yuan and 30,000 yuan.
3. Enjoy different rights and interests
Gold card of China Construction Bank can enjoy higher discount than Puka in preferential merchants. However, platinum cards can usually enjoy high-end services such as golf, SPA, physical therapy, airport transfer and VIP lounge provided by banks.
Basic functions:
1. Credit consumption: consumption before repayment, no need to deposit in advance.
2. One card and two currencies: it has a dual account of RMB and USD, which can be used at home and abroad. Domestic transactions are credited to RMB account, and overseas transactions are credited to USD account (single currency credit cards do not have this function).
3. Password optional: The function of "domestic consumption password optional" is the first in China, which can be flexibly selected according to personal card habits. (A small amount can be password-free, and a large amount can be password-free).
4. Easy repayment: monthly statement is provided, and the repayment methods are flexible and diverse: telephone purchase repayment, outlet repayment, ATM self-service repayment, CDM self-service repayment, agreed account repayment and online banking repayment.
5. Specially invited merchants: specially selected national merchants, with many preferential discounts.
6. Report the loss by telephone: If the card is lost, you can report the loss by telephone, and the bank will provide guarantee after the loss report takes effect, without any financial risk.
7. Disputed payment: If the customer disputes any consumption payment, it should be verified before payment.
8. Overseas rescue: If the card is lost overseas, emergency replacement card and emergency cash withdrawal service will be provided.
9. Free hotline service: set up a 24-hour service hotline.
10, if the consumption exceeds 1000 yuan, you can apply for interest-free installment payment, and only need to pay a small handling fee.
1 1, SMS reminder: free SMS reminder when spending money in 500 yuan.
12. If you spend one yuan, you will get points, which are permanent and valid, and the points will be doubled irregularly.
13, the annual fee is free in the first year, and the annual fee is free for swiping the card three times in the second year (except the car card).
14. Credit card points under the same customer name can be combined (except Volkswagen Card and China Eastern Airlines Card).
15, swipe your card at the designated ticket office to buy air tickets, and the gold card will send 1 10,000, and the Puka will send 500,000 aviation accident insurance. High security will be accompanied by warmth and pleasure all the way.
Note: Gold card and general card are basic cards, and there are many kinds of cards according to different cooperative businesses or institutions. Please call CCB customer service for details.
So much for the good introduction of China Construction Bank's credit card.