CCB's hkg cross-border consumption means that CCB's card was spent at Hong Kong Airport. Generally, consumption abroad of different banks have different operation skills. For example, the card of China Construction Bank can be operated after half a year, and the amount will be more than 5%~15% as long as it is swiped 2~3 times.

1. Reasons for CCB's long-term withholding

CCB's credit card policy is very conservative. Generally, it holds credit cards from more than four banks, which is considered as long-term loans in CCB. If one's personal qualifications are average, it is difficult to obtain a new credit line. Therefore, if one wants to increase the credit line of CCB credit cards, one can only reduce the number of cards with patient lines. In addition, when the personal comprehensive debt ratio exceeds 6%, it will be difficult to increase the quota. When the personal comprehensive debt ratio exceeds 7%, the probability of being controlled by CCB is very high, and the ideal state of credit card withdrawal is that the personal comprehensive debt ratio is below 5%. CCB likes the way of swiping more cards in small amounts, but CCB is very afraid of using cards for several consecutive billing cycles, such as empty cards and minimum repayment, which is an abnormal performance of personal funds. Try to increase the proportion of direct credit card payment by offline entity merchants, and reduce online payment and payment methods bound to third parties. The bank charges of these two payment methods are different, and the bank charges charged by direct credit card consumption are much higher than those charged by credit cards bound to third parties.

second, why should I bring UnionPay cards when traveling abroad?

At present, UnionPay cards can be used in more than 16 countries and regions around the world, covering most popular tourist destinations. The most basic functions are credit card consumption and cash withdrawal.

For China people, the overseas use of UnionPay cards does not require currency exchange fees, and the amount of local currency transactions will be directly converted into RMB at the market exchange rate. In addition, the global preferential activities of UnionPay cards are becoming more and more abundant, with a wide range of online and offline activities and higher discounts. Value-added services such as tax refund and emergency cash support are also very practical.

finally, most areas in China support confidential payment, so be sure to confirm whether there are too many confidential payment cases in your UnionPay card before departure. It is also important to protect your personal information and bank card.