How to open a CCB credit card

Users can apply at CCB branch counters, CCB mobile banking, CCB online banking, and CCB customer service hotline. Example analysis:

Application at the counter of a China Construction Bank outlet: Users bring their valid personal ID cards and go to the counter of a China Construction Bank outlet to ask staff for help in opening the account.

Official website application: Users go through the official website of China Construction Bank Credit Card, click "Credit Card" in the upper column, and then select "Credit Card Application" to select the card type they want to apply for on the page, fill in the relevant personal information, and submit the application It can be activated.

According to Article 7 of the "Regulations on the Supervision and Administration of Credit Card Business of Commercial Banks": A credit card refers to a credit card that records cardholder account information, has bank credit lines and overdraft functions, and provides cardholders with relevant banking services. All types of media.

Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate).

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the prescribed credit limit. The so-called credit card generally refers to a credit card only.

Compared with ordinary bank savings cards, the most convenient way to use credit cards is that they can be used for ordinary consumption without cash in the card. In many cases, you only need to return the consumed amount on schedule.

You can use overdrafts without deposits, and you can enjoy an interest-free period of 20-56 days for on-time repayment without any interest charges (most banks will charge an interest of 50,000 cents on the day of cash withdrawal, and There is a 2% handling fee. ICBC cash withdrawals are free of handling fees and only charge interest).

Swiping your card when shopping is not only safe and convenient, but also provides gift points.

You can enjoy discounts when you use the card at the bank's designated merchants.

Accumulate personal credit and add a record of integrity to your credit file that will benefit you throughout your life.

It is accessible nationwide and you can withdraw money or make purchases by swiping your card at ATMs and POS machines with the UnionPay logo; (Note: Credit cards are only suitable for consumption and swiping. It is best not to withdraw cash. The handling fee for cash withdrawals is very high and very inconvenient. Cost-effective)

Swipe your card for consumption, collect existing points with some credit cards, and offer a variety of discounts and lucky draws throughout the year, so you can always be surprised as long as you use your card; (most credit card online payments do not have points, but online shopping payments Very convenient and fast)

Free mailed statements every month, allowing you to transparently control every consumption expenditure; (now promoting green environmental protection, paper statements can be canceled and changed to electronic statements)

The unique supplementary card function is suitable for couples to manage finances at the same time, or to control their children's financial expenditures.

The free choice of one card and dual currencies is available all over the world. Overseas consumption can be repaid in domestic RMB.

400 or the 5-digit short number starting with 9 is available 24 hours a day. Loss reports are effective immediately and there is zero risk of losing the card.

Have validity period: It is known that the validity period of domestic credit cards is generally three or five years.

Use third-party platforms (the domestic platform that supports credit card bill management is mainly Jujindou) for business cooperation to provide cardholders with preferential services.

There are two methods and procedures for how to apply for a CCB credit card

Credit cards are now a big market. In order to improve their competitiveness, major banks will create different themed cards based on different points every year. Banks are no exception. So, how to apply for a CCB credit card? It is divided into online application and branch counter application.

How to apply for a CCB credit card, the application process:

1. Apply for a CCB credit card online

1. Open the homepage of the CCB official website;

2. Select the Credit Card Center and click Credit Card Online Application;

3. There will be two options: "New User Application" and "Existing Card Customer Application", choose according to your own situation;

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4. Follow the prompts on the page to fill in the basic personal information, select the card type, make sure you have reviewed the "China Construction Bank Dragon Card Credit Card Acceptance Agreement", and then click Submit.

Tip: If you are applying for a credit card again through "Existing Card Customer Application", you also need to fill in some basic information about the existing credit card.

2. Applying for a CCB credit card at a bank branch counter

Applying for a credit card at a bank branch counter is a traditional credit card application process. In this method, you only need to bring all the information and submit the information. Just give it to the bank staff and that's it. The required information includes: CCB credit card application form, proof of identity, relevant documents proving work, relevant proof of income, proof of residence, etc. (Click here for details

2017 CCB credit card application conditions knowledge points are here

View).

CCB credit card approval takes about 20-25 working days, which is about a month. You can also check the progress of the process through the "Card Application Progress Query" in the Credit Card Center.

After seeing how to apply for a CCB credit card here, the process is clear at a glance. At the same time, in the credit card section, just click

Convenient Entry

to quickly apply for a CCB credit card!

How to apply for CCB credit card?

You can apply for a China Construction Bank card online.

Users can apply for a construction bank card online. The specific application steps are as follows:

1. Log in to the official website of China Construction Bank;

2. Click on deposit, loan and bank card-debit card application;

3. Fill in the personal information, including name, ID number, and click Next.

4. Click the check box to agree to the "CCB Long-Term Card Debit Card Collection Agreement" to complete the application.

Operating environment: Huawei nova7JEF-AN00

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Processing process:

1. You must carry your ID card with you. Because you need to save some money when you first apply for a card. Usually the minimum is about 10 yuan. It also costs about 10 yuan to apply for a card. Therefore, please bring your ID card and 20 yuan (or more) in cash to the local business outlet;

2. After entering, you will see the lobby manager. The lobby manager will usually ask you what business you need to handle. As long as you tell you that you need to apply for a bank card, the lobby manager will take out the corresponding form for you to fill in;

3. Generally speaking, larger outlets will have queuing machines. After queuing, people do not need to queue. Just wait for the counter to call the number. Go to the queuing machine, click on the new card opening business that needs to be processed, and take out the note. It will show your location and how many people are waiting in front of you;

4. After arriving at the counter, hand the completed form and ID card to the bank teller. When applying for a card, you will need to sign and enter your password. The password is six digits. Once set, you should remember it. This is the password for future withdrawals;

5. After completing all procedures, you will receive a bank card. If you do online banking at the same time, you will get a security card or a USB shield at the same time.

Expand materials:

To apply for a CCB bank card, you need to meet the following conditions:

1. Be at least 18 years old, have a stable career and a certain income, and have no bad records , those who have the ability to repay can apply for a long-term (dual-currency) credit card;

2. Work for six months or one year at the card-issuing bank before joining; if the annual income reaches the local average annual income, you can Counted as 13 months. In addition, applicants with a certain social status or whose annual income reaches more than 5 times the per capita annual income in the jurisdiction of the card issuer and have good credit may be issued a gold card with their consent.

How to activate CCB credit card?

There are several ways to activate CCB credit card through mobile phone:

1. Find the China Construction Bank application on your mobile phone and click to open China Construction Bank mobile banking.

2. In the opened interface, click the credit card option below, and then click the activate card option.

3. Enter the relevant credit card information and click OK below.

4. Afterwards, you can successfully activate the China Construction Bank bank card, then set a payment password and click OK below.

To activate a bank card through a mobile phone, you can log in to mobile banking, online banking, or call the customer service hotline for manual service (enter your ID card number, verify your identity, and follow the prompts to activate the bank card).

Take the China Construction Bank mobile phone activation of bank cards as an example. Log in to the official website of China Construction Bank Card, enter the "Activation and Password Management" menu, and click Activate.

It is worth noting that if the China Merchants Bank savings card is issued for you by someone else or a company, you need to go to any CMB branch with your ID card and bank card to activate it, and mobile banking cannot activate it.

1. Bring your bank card and ID card to the bank counter, and go through the bank card activation procedures with the help of the staff.

2. Call the bank’s customer service hotline 95566 and enter your ID number according to the phone prompts to activate the Bank of China card. Otherwise, the system may not be able to confirm the card information.

3. Call the bank customer service and select "Card Activation" under self-service voice or manual service.

4. Enter the ID number or manually check the cardholder information. The information must be correct.

Notes:

1. When entering the password, be sure to cover it with your hands. If you find any abnormalities in the password shield and card entry protection slot of the ATM machine, for safety reasons, do not use it. , and notify the bank immediately.

2. In order to prevent fake ATM machines, customers should try to choose self-service banks with obvious signs and use ATM machines under the bank’s video surveillance.

3. It is best to store bank cards and ID cards separately. Do not lend bank cards to others, and do not disclose bank cards and passwords at will.

4. When swiping your card for consumption, do not let the bank card out of sight. Pay attention to the number of times the cashier swipes the card. When you get the purchase form and card, check whether the amount on the purchase form is correct and whether it is yours. of cards.

5. Activate the mobile phone text message service to keep track of account changes. Once abnormal transactions are discovered, call the bank immediately to report the loss.

6. If you suspect that funds have been stolen, you should immediately call the bank customer service number and report the loss of the bank card account in a timely manner.

That’s it for the introduction on how to open a CCB credit card.