Relevant provisions of China Construction Bank on credit cards:

1, other banks' mobile banking also have their own unique skills in risk prevention. For example, ICBC mobile banking requires a dynamic password card in addition to the password when transferring money; However, the accounts of mobile banking users of China Merchants Bank will only be partially displayed on the screen, which can reduce the risk of account leakage caused by using mobile phones in public or being stolen.

2. For cash advance for overseas transactions, we will convert the transaction amount into foreign currency according to the exchange rate stipulated by international organizations, and charge the corresponding handling fee. Some overseas banks may charge some extra fees.

3. Banks can first transfer some simple services to mobile phone self-service, such as account inquiry. According to the statistics of American Banking Association, the comprehensive cost for users to receive banking services at the counter is $2.7, while the cost through ATM is reduced to 1/4, and the cost of self-service through mobile phone is only 1/20 of that of counter service.

4. Purchase goods or services from cooperative merchants designated by Bank of China by installment. After the installment payment business model is selected, the merchant cashier will perform relevant card swiping operations according to the installment payment business rules of China Bank. The specific staging rules shall be subject to the announcement issued by the merchants.

5. Handling the receipt and payment of funds for temporary business activities of temporary institutions and depositors. Withdrawing cash from a temporary deposit account shall be handled in accordance with the relevant provisions of the state on cash management. The scope of opening a temporary deposit account includes the establishment of temporary institutions, temporary business activities in different places, and verification of registered capital.

6. The daily business activities of depositors, such as the receipt and payment of funds and the withdrawal of wages, bonuses and cash, are handled through this account. The general deposit account is used to handle the deposit of depositors' loans, repayment of loans and other settlement funds. This account can be used for cash deposit, but not for cash withdrawal.

Therefore, the credit card freeze of CCB will not affect future loans.

Extended data:

Function of Credit Card of China Construction Bank

1, convergence function

The CCB card account guides many scattered small funds to converge into a fund collection function that can be put into social reproduction. Here, the stock market plays the role of "reservoir" of funds. ?

2. Configure functions

The allocation of resources, CCB card transfers resources from inefficient departments to efficient departments, so that a society's economic resources can be most effectively allocated to the most efficient or effective use, and the rational allocation and effective utilization of scarce resources can be realized. ?

Step 3 Adjust the function

The adjustment function of CCB card to macro-economy. The stock market is connected with depositors on one side and investors on the other. The operating mechanism of the stock market plays a role through its influence on savers and investors. ?

Baidu Encyclopedia-China Construction Bank

Baidu encyclopedia-credit card

Official Website of China Construction Bank-Credit Card Charter