1, card status is abnormal, such as card degaussing and chip damage.
2. The card does not support transactions. For example, the card with VISA single logo /JCB single logo does not support UnionPay transactions, nor does it support some online transactions.
There is nothing wrong with the card. The signal of POS machine is not good. If it is not connected to the network, the transaction will also fail.
4, IC chip credit card, because UnionPay has turned off the downgrade transaction function, if the cashier still operates the transaction by swiping the card instead of inserting the card, it can't be used either.
5. Some overseas websites do not support domestic credit cards.
6. The card limit is insufficient.
One: CCB Credit Card is a credit card issued by China Construction Bank. The credit cards issued by China Construction Bank are all named "Longka", including: Longka Famous School Card, Longka Business Card and Longka Automobile Card.
Two: knowledge
1. charging policy: swipe your card for 3 times or 18 times (excluding special cards such as business cards and car cards), you will be exempted from the annual fee for the following year.
2. Handling fee: within China: 5‰ of the transaction amount, with the lowest in 2 yuan and the highest in 50 yuan; Overseas: 3% of the transaction amount, with a minimum of $3.
3. Account management: multiple CCB cards share the line, with the same billing date and independent repayment.
4. Payment: Alipay: it can be used after online registration, with a single payment and a one-day limit of 500 yuan.
5. Business: support interest-free installment for specific merchants (3, 6, 12). After a single consumption exceeds 1000 RMB, you can apply for installment by phone (3,6,0/2,0/8,24), and different handling fees will be generated for each installment according to the number of installments.
6. Day: There are multiple billing days every month, and the cardholder can change the card once a year within the validity period of the card.
7. RMB, RMB/USD, RMB/Euro
Three: Interest
Interest-free repayment period: Interest-free repayment period refers to the interest-free period of consumer transactions enjoyed by cardholders who repay in full on time. The interest-free period is from the bank bookkeeping date to the repayment date, with a minimum of 20 days and a maximum of 50 days. Overdraft cash withdrawal transactions do not enjoy interest-free repayment period.
Tip:
If you don't repay in full before maturity, you won't enjoy the interest-free period. The Construction Bank will charge interest at a daily interest rate of 0.5 ‰ and compound interest monthly. The interest-bearing date is from the date of consumption to the date of repayment, and the interest-bearing principal is calculated according to the actual amount payable.
If the repayment is not made before the due repayment date or the repayment amount is lower than the minimum repayment amount, CCB will charge interest as required, and at the same time charge a late fee of 5% of the minimum repayment amount.