What is the general credit limit of China Construction Bank?
The credit card limit of China Construction Bank is as follows:
1. General credit card: the limit is between 3,000 and 10,000 yuan. .
2. Credit card gold card: the limit is between 10,000-50,000 yuan.
3. Credit card platinum card: limit of more than RMB 50,000.
How much is the CCB credit card limit?
The first-time CCB credit card limit ranges from 1,000 to 50,000. It is easier to apply for a China Construction Bank credit card. The first-time credit limit is determined based on the applicant's income and financial status. The general first-time application limit is between 5,000 yuan and 10,000 yuan. Compared with other industries, it is relatively easy to apply. The application requirements are not too high and there are many application channels.
1. Can I apply for a China Construction Bank credit card online?
Construction Bank credit card can be applied online. The specific method is as follows:
1. Official website application: Log in to the official website of China Construction Bank Credit Card, select the card type you want to apply for, and then fill in the required information for card application. Information is enough.
Operating environment:
Brand model: Lenovo laptop Xiaoxin Air15 Ryzen Edition
System version: Windows11
Browser: Google Chrome browser
Browser version: 87.0.4280.88
2. WeChat application: Follow the China Construction Bank WeChat official account, click "Credit Card" - "Business Processing Hall" - " "Credit Card Application", just click on the page.
Operating environment:
Brand model: iPhone13
System version: iOS15.0
App version: 8.0.16
3. Mobile APP application: Download and log in to the China Construction Bank mobile APP, click "Credit Card" - "I want to apply for a card" - "Credit Card Application" and follow the page operations.
Brand model: iPhone13
System version: iOS15.0
App version: 5.6.3.001
2. China Construction Bank credit card has Annual fee?
1. CCB Credit Card Commercial Card: The annual fee for the gold card is RMB 200, and the annual fee for the regular card is RMB 100.
2. CCB Personal Credit Card: The annual fee for the main card of the gold card is RMB 160, and the annual fee for the supplementary card of the gold card is RMB 80; the annual fee of the main card of the ordinary card is RMB 80, and the annual fee of the ordinary card is RMB 80. The annual card fee is RMB 40.
3. Construction Bank credit card annual fee exemption policy: within the card holding year, if you make 3 purchases with the card each year (no limit on the amount), you will be exempted from the annual fee for that year. If there are less than 3 transactions, the annual fee will be charged at the beginning of the second card holding year.
3. What is the telephone number of China Construction Bank’s credit card?
The customer service hotline of the China Construction Bank Credit Card Center is divided into two categories, namely the China Construction Bank Credit Card Customer Service Hotline and the Construction Bank Credit Card Platinum Hotline. The specific phone numbers are as follows: China Construction Bank Credit Card Customer Service Hotline: Domestic users dial 400-820- 0588; overseas users dial 86-21-3869-0588. China Construction Bank Credit Card Platinum Hotline: 400-888-8858.
What is the general credit limit of China Construction Bank's credit card?
The credit limit of China Construction Bank's regular cards is generally between RMB 3,000-10,000. The credit limit of China Construction Bank Gold Card is in the range of RMB 10,000-50,000. The credit limit of China Construction Bank Platinum Card is generally more than 50,000 yuan.
The credit card limit of China Construction Bank will be different according to the qualifications of the applicant. It is recommended to contact the staff of the bank institution to confirm.
What is the general credit limit of China Construction Bank's credit card?
1. The credit limit of China Construction Bank's general card is generally between RMB 3,000-10,000.
2. The credit limit of China Construction Bank Gold Card is in the range of 10,000-50,000 yuan.
3. The credit limit of China Construction Bank Platinum Card is generally more than 50,000 yuan.
The credit card limit of China Construction Bank will be different according to the qualifications of the applicant. It is recommended to contact the staff of the bank institution to confirm.
Credit card is a simple credit loan service of the bank, which is embodied as a payment method for non-cash transactions. The credit card limit is determined by the bank based on the credit worthiness and financial resources of the cardholder.
When a cardholder applies for a credit card, the bank will determine the limit based on the cardholder’s creditworthiness and financial resources at that time. If the cardholder uses the credit card normally for a long time without any abnormal status such as overdue, and within a certain period of time ( Generally 3 months to 6 months) If the credit card payment amount is more than 60% of the limit, the bank's system will automatically adjust the temporary limit or fixed limit. If there is no adjustment, you can contact the customer service staff of the bank's credit card center to apply for a limit increase. Some card banks can directly call you to apply for a limit increase.
If the bank customer service staff informs the cardholder to go to the counter to handle the limit increase business, then the cardholder needs to prepare relevant materials to handle the process: ID card, credit card, and statements for the past six months (for UnionPay cards with larger turnover, statement ), credit card limit increase application form (fill in this line). If there are no problems in the bank's review, the limit will be adjusted appropriately.
Extended information:
Cash withdrawal (cash withdrawal) includes two situations: overdraft withdrawal and overpayment cash withdrawal. One is overdraft cash withdrawal, and the other is overpayment 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.
Reference material: China Construction Bank Credit Card - Baidu Encyclopedia
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