The current minimum limit of China Construction Bank Joy Card c standard white card is 10,000, and the maximum limit will reach 200,000. The final limit will be assessed by the bank based on comprehensive personal assets.
China Construction Bank Long Card Credit Card is a credit card brand with 90 million customers. It adheres to the customer-centered concept and provides customers with professional financial services and convenient payment experience. There are more than 100 credit card products in multiple series, including Dragon Card Family Love Card, Global Popular Card, Tencent Game Card, etc., to meet customers' various consumption needs such as domestic and overseas transactions, family care, and installment financing. Special offers such as Dragon Card Saturdays, cash rebates for overseas purchases, and a variety of installment products help customers manage finances easily and consume smartly.
Annual fee-free policy: Swipe the Gold Card 3 times to waive the annual fee for the following year (excluding business cards, car cards and other special cards)
Cash withdrawal fees: Domestic: 1‰ of the transaction amount, minimum 2 yuan, maximum 50 yuan; overseas: 3% of the transaction amount, minimum 3 US dollars.
Maximum interest-free period: 50 days
Multi-account management: enjoy unlimited quotas, independent billing days and independent repayments.
Online payment: Alipay: can be used after online registration, single and single-day limits are 5,000 yuan
Instalment business: support interest-free installments (3 installments, 6 installments) at specific merchants Issue, Issue 12, Issue 24). After a single purchase of more than 1,000 yuan, you can apply for installments (3, 6, or 12 installments) by phone. Each installment will incur different handling fees depending on the number of installments.
Billing date: 27th of every month, can be modified once a year.
Card type: Gold card (limit 10,000-50,000 yuan)
Currency: RMB
China Construction Bank Credit Card provides you with cash withdrawals (cash withdrawals) Services, cash withdrawals (cash withdrawals) are subject to a cash withdrawal fee. According to the relevant regulations of the People's Bank of China and the State Administration of Foreign Exchange, within the country, the cumulative amount of cash withdrawals (cash withdrawals) per card per day shall not exceed 5,000 yuan (excluding withdrawals at overpayment outlets);
Cash withdrawals (cash withdrawals) ) includes two situations: overdraft cash withdrawal and overpayment cash withdrawal. One is overdraft cash withdrawal, and the other is overdraft cash withdrawal. Overdraft cash withdrawal is a small cash loan provided by China Construction Bank to help you flexibly deploy funds when you are in urgent need.
The overdraft cash withdrawal limit is set according to your card usage, and the maximum limit shall not exceed 50% of your credit limit. In addition to cash withdrawal fees, domestic and overseas overdraft withdrawals also require interest payments and do not enjoy interest-free treatment. Overpayment withdrawal means that you withdraw the funds stored in the card or the funds overpaid during repayment.
Overpayment can automatically increase the available limit of the main card, but does not increase the available limit of the supplementary card. If you need to increase the available limit of the supplementary card, the main cardholder should call our 24-hour service hotline to apply.
If you withdraw more than 5,000 yuan in excess payment on the same day, you must go to the counter of a China Construction Bank outlet.
Domestic cash withdrawal:
(1) ATM cash withdrawal - Withdraw RMB cash at our bank's ATM or other bank's ATM with the UnionPay logo with your card and password.
(2) Cash withdrawal at the counter - Withdraw RMB cash at the counter of any of our branches with your card and password.