If you want to use the two cards backwards, set the billing date of the B card to the 4th or 5th, so that the repayment date of the B card is the 24th or 25th. When the A card needs to be repaid before the 8th, you can swipe your card on the 6th and 7th after the B card has been billed, and return the money to the A card. And vice versa, two cards can be swiped backwards.
How to use two credit cards of CCB?
The amount of two credit cards of CCB is shared, and the amount of one card will be reduced accordingly after consumption.
However, if the credit limit of one of your cards is higher than that of the other card, the card with higher credit limit can consume the remaining credit limit after the consumption of shared credit limit is completed. The credit card of CCB under the same customer's name shares the credit line.
For example, customers hold CCB credit cards A and B in their own names, and the credit lines of A and B are shared. The credit lines of A and B are 2,000 yuan and 3,000 yuan respectively, and the shared credit line of A and B is 3,000 yuan. After the credit lines of A and B are 2,000 yuan, A can no longer consume, so B can only consume the remaining credit lines of 1 1,000 yuan.
What are the requirements for China Bank Road Child A Card to bind credit card accounts?
Lu Tong one-card binding credit card account requirements:
1, 62 credit cards in the province (car cards are required in principle);
2. Non-attached cards;
3. The consumption amount is ≥ 2,000 yuan;
4. The account status and card status are normal;
5. Within the validity period.
The above contents are for your reference. Please refer to the actual business regulations.
If you have any questions, please contact online customer service of Bank of China.
You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GOAPP to handle related business.
Credit card: What do Class A and Class B cards mean?
By implementing a scoring system for customers, we can judge whether customers are of high quality or not. An ApplicationScoreCard, apply for a scorecard.
B card (behavior scorecard)
Because the retail credit business has the characteristics of many transactions, small single amount and rich data, it needs an intelligent and probabilistic management model. The credit scoring model uses modern mathematical statistics model technology, and through deep data mining, analysis and refining of borrowers' credit history records and business activity records, it finds out the knowledge and laws that reflect consumers' risk characteristics and expected credit performance in complex data, and summarizes them through scoring as a scientific basis for management decisions.
Difference:
1, with different usage time, focusing on pre-lending, mid-lending and post-lending.
2. Different data requirements. A card usually does 0 to 1 year data before the loan, and B card is done after the customer has a certain behavior and has a lot of data, usually 3 to 5 years.
3. All models of each scorecard are different. Logistic regression is used for one card, and the latter two commonly used multivariate logistic regression are more accurate.
B card
1. Definition: predict the future overdue probability according to the lender's behavior (observation behavior) after lending.
2. Usage scenario: the time period after the loan is issued and before it expires.
3, pay attention to the observation period and performance period, time slice.
divide
1. Divide different risk levels according to different repayment willingness and repayment ability.
Mild: good repayment willingness and repayment ability, overdue for special reasons.
Moderate and mild: good repayment will and poor repayment ability.
Moderate: repayment will deteriorate, with repayment ability.
Serious: no willingness to repay, deterioration or loss of repayment ability.
2. Collection process
SMS collection, telephone collection, on-site collection, legal proceedings and third-party collection (overdue assets are packaged and sold).
3. Model composition
Repayment rate model: predict the collection rate of the account after collection.
Aging rolling model: predict the probability that the number of overdue people will change from mild overdue to severe overdue.
Lost contact model: in the overdue stage, predict the probability of losing contact with people who can still be contacted.
4. Common indicators
Expired days
Historical repayment rate information
Proportion of overdue amount
Debt burden ratio
Personal information (gender, age, income, work, education, etc. )
What does card A of Yellow River Commercial Bank mean?
This is a credit card. You can call the customer service number of this bank directly and then confirm the characteristics of this credit card.
Can Passerby A Card be used as a credit card?
It's also a credit card, but it can't be used anywhere like a credit card, because it can only realize financial services such as spending first and repaying later:
Following the listing of Lu Tong Longka (B card) on 20 12, Shandong Branch of China Construction Bank took the lead in issuing Lutong Longka (A card) on 29/kloc-0. After Lu Tong Dragon Card (A Card) was launched, Lu Tong Dragon Card product series has covered two modes: stored value and bookkeeping, which people can choose and apply according to actual needs.
According to reports, with the use of Lutong Dragon Card (A Card), cardholders can realize the payment function of "first pass and then pay" on the networked expressway, and cardholders can repay the loan on the maturity date of the credit card, which is suitable for customers who do not travel frequently.
With the Lutonglong Card (B Card), the cardholder can recharge at any outlet of CCB before traveling, and the recharge amount can be determined by himself according to the mileage, so as to realize the "pay first, then pass" when the networked expressway passes, which is suitable for customers who often travel.
The relevant person in charge of Shandong Branch of China Construction Bank said that the cardholders of the above products can choose according to their actual situation. Two modes, whatever you choose, whatever you use.
It is understood that the biggest feature of Lu Tong Longka is the integration of industry functions and applications through credit cards, realizing the integration of the two cards. Cardholders only need to hold one card to realize credit card consumption and networked highway traffic, which greatly facilitates the people's demand for cards.
In addition to non-cash payment on the expressway, Lu Tong Longka is a credit card tailored for private car owners. It has many benefits and services, such as double oil change, weekly preferential car wash service, free road rescue, preferential car rental and so on. Annual fee 200 yuan, no charge for non-activation.
This concludes the introduction of the meaning of a credit card and a 1. I wonder if you found the information you need from it?