CCB does not have a lifetime annual fee-free credit card.

1. Credit card application process

1 Prepare application materials (provide corresponding identity documents: copy of ID card or military ID; work certification document, some banks also need to provide proof of income and financial resources).

2 After preparing the materials, you can go to the bank to apply or make an appointment online.

3 Then wait for the bank’s approval. During the approval process, the bank will call the applicant to verify the information.

4 After approval, the bank will mail the card to the applicant. It will take about 3 weeks to get the card after successfully submitting the information.

No matter which bank we apply for a credit card, if we want to apply successfully, we need to meet the credit card application conditions. Generally, the conditions for applying for credit cards from different banks and different card types will be slightly different. However, If users want to apply for a credit card, no matter which bank they go to, they need to meet some basic processing conditions.

2. Types and annual fees:

1. Ordinary card: 80 yuan/year/card for main card, 40 yuan/year/card for supplementary card;

2. Gold card: 100 yuan for main card Yuan/year/card, supplementary card 80 Yuan/year/card;

3. Standard Platinum Card: main card 550 Yuan/year/card, supplementary card 300 Yuan/year/card (Titanium Platinum Card: Main card 380 yuan/year/card, supplementary card 180 yuan/year/card);

4. Car card: main card 200 yuan/year/card, supplementary card 100 yuan/year/card;< /p>

5. Platinum Card: 1,800 yuan/year/card for the main card, 1,200 yuan/year/card for the supplementary card;

6. Diamond Card: 4,800 yuan/year/card for the main card, Supplementary card 2,800 yuan/year/card.

The main functions of credit cards are as follows:

3. Functions of credit cards:

1. It facilitates people’s lives and eliminates the need to carry cash. It is troublesome, and there are no geographical restrictions on the use of credit cards. No matter where the card is swiped anywhere in the country, as long as it has the UnionPay logo, it can be swiped without charging a handling fee;

2. Various merchants and banks that can participate in cooperation A variety of preferential and discount activities;

3. The points obtained by swiping the card can be exchanged for gifts;

4. Timely repayment after swiping the card will improve the credibility of the personal bank.