Although the credit cards of the four major state-owned banks are widely criticized for their high processing threshold, some of their advantages are eye-opening, and some credit card rights of China Construction Bank are very attractive. As a big bank that has developed credit card business for many years, it has launched various cards, and some special rights and interests are also very exciting.
Generally speaking, the credit card processing of China Construction Bank has four characteristics:
First, the application threshold of the four major banks is low, which is basically the same as that of commercial banks.
Second, there are many outlets all over big cities and rural counties.
Third, all kinds of fees are low, not only for the first year, but also for three times in the second year.
Fourth, credit cards are rich in rights and interests.
Among them, the most talked about is the Volkswagen Dragon Card of CCB.
In recent years, buying a car by credit card has attracted many consumers who intend to buy a car. China Construction Bank Volkswagen Dragon Card is a credit card with the function of "exchanging points for cars" launched by China Construction Bank for consumers who intend to buy cars by stages. Users who plan to buy a car in installments can consider applying for this credit card. At the same time, Longka Car Card is also one of the series products issued by China Construction Bank, which is specially tailored for private car owners. It is the first lifestyle concept card in China. It has all the functions of a dragon credit card and enjoys three basic rights and services, such as preferential oil change, preferential car wash service and free road rescue.
In terms of shopping consumption, the global hot-selling credit card launched by CCB has also greatly met the needs of consumers. This card can be used in overseas VISA/MasterCard merchants and ATMs to meet your overseas travel, shopping, leisure travel, Haitao and other needs. If you want to enjoy the high-intensity cashback activities of CCB, you must apply for a hot card.
In addition, Tencent e-Dragon Card has become more and more popular in recent years. This card is a credit card jointly launched by China Construction Bank Co., Ltd. and Tencent Computer System Co., Ltd., which is issued to high-quality Internet customers. It has the exclusive WeChat public platform, premium lottery points, comprehensive travel protection and other functional rights.
How about CCB MasterCard?
Answer: CCB MasterCard is good. You can get one. MasterCard of China Construction Bank can be used in China, and double-label cards can also be used normally in China, but if it is a single-label card, it can only be used by special merchants who support MasterCard.
If the CCB MasterCard held by relevant users is a dual-label card, it can be used through UnionPay network in China. If it is a single-label card, it can only be used by MasterCard merchants, not through UnionPay network.
MasterCard of China Construction Bank is a dual-currency credit card, which is an international standard credit card. One card is dual-currency, which can be used at home and abroad, and enjoys all the benefits of China Construction Bank.
How about China Construction Bank Longka dual-currency credit card?
Longka dual-currency credit card is a standard credit card product of China Construction Bank, which is internationally accepted. Repayment can be made after consumption, and consumption can enjoy an interest-free period of up to 50 days. Transactions can be repaid by purchasing foreign exchange in RMB. Longka dual-currency credit card has two brands, VISA and MasterCard, and one card is dual-currency. Domestic and overseas UnionPay online transactions are settled in RMB, and overseas non-UnionPay online transactions are settled in US dollars.
CCB Longka dual-currency credit card can be repaid after consumption, and there is no need to deposit in advance. The credit line can be recycled, and consumer transactions can enjoy interest-free treatment for up to 50 days. You can also pay the minimum repayment amount according to the requirements of the bank and enjoy the freedom and convenience of credit consumption.
Cash in advance, flexible and convenient. All branches, counters and all UnionPay ATMs of China Construction Bank provide cash advance service, which can easily solve the daily urgent cash problem. Through staging, everything is beautiful, and you can enjoy various staging services such as mail order, shopping mall POS, consumption, car, wedding and home improvement. And the repayment is easy, and tomorrow's dream can be realized today.
Multi-security 100% domestic transactions, double credit card consumption protection with password signature (overseas secret verification transactions through China UnionPay network are regarded as domestic transactions); Overseas transactions, enjoy overseas credit card loss protection services, and minimize your risk of card loss; Provide free SMS reminders for large transactions; Real-time transaction monitoring, automatic early warning protection and 3DS online payment verification protection fully guarantee your card safety.
Integral accumulation, permanent validity. If you spend RMB 65,438+0 yuan RMB 65,438+0 and US$ 65,438+0, you will get 7 points. Points are accumulated permanently, valid for many years, and can be exchanged for diversified points gifts.
Easy financial management and convenient repayment. As long as your account changes in the current period, we will provide a statement, and the transaction details will be clear at a glance, making your financial management easier. The repayment methods such as outlets, ATMs, CDM(CDS), agreed accounts and online banking are flexible and diverse, making your repayment more convenient.
Intimate service, waiting all day. 400-820-0588 provides you with a 7×24-hour customer service hotline.
Online banking is comprehensive and thoughtful. You can log in without leaving home, and complete functions such as card opening, balance inquiry, bill inquiry and repayment.
Special price, colorful discount. Nearly10,000 preferential merchants across the country provide you with many discounts on food, clothing, housing and transportation; Carefully organize various credit card offers and incentive promotions, so that you can enjoy more benefits and convenience.
Air travel is highly safe. If you buy a plane ticket by swiping your card, you will receive 6.5438+0 million yuan aviation accident insurance for your gold card and car card, and 500,000 yuan aviation accident insurance for Pukaka, so that you can travel without worry.
How about CCB credit card?
The credit card of China Construction Bank is easier to handle as long as the applicant 18 is over the age of one year and has full capacity for civil conduct. At the same time, with stable repayment ability, you can apply for a credit card in principle. When China Construction Bank approves whether to issue you a credit card, it mainly depends on your repayment ability and credit status, so it should provide personal information and proof of assets as much as possible.
1. What is a credit card? Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
2. Credit card-company card and personal card: company card. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, state party and government organs, armed forces, organizations and other legal person organizations. Personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. The personal card is applied in the name of an individual and bears all the responsibilities for its use.
3. Credit card features: cash is not allowed to be pre-deposited, and it can be repaid after consumption. Enjoy an interest-free repayment period, which can be repaid in installments (with a minimum repayment amount). By joining VISA, MasterCard, JCB and other international credit card organizations, it can be used worldwide. It is one of the fastest-growing financial services, and it can replace the traditional cash circulation in a certain range. It has two functions: payment and credit. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers.
Advantages of credit card: Compared with ordinary bank savings card, the most convenient way to use credit card is for ordinary consumption, and there is no cash in the card. In many cases, it is enough to return the consumption amount on time.
China Construction Bank's credit card is rotten to rubbish? I suggest you don't use it, it will deduct money.
Many friends ask, which bank is easier to apply for a credit card? I'm afraid I have to answer you. If you want to choose from commercial banks, the four major state-owned banks will be more difficult. But if you insist on loving the four major state-owned banks, I suggest you choose a credit card that is easier to apply for, so the probability of getting a card will be greater. What exactly are there? Let's have a look.
1, Industrial and Commercial Bank of China: Cosmos credit card.
Industrial and commercial bank of China's cosmic constellation card is relatively easy to handle, and it is also the main credit card for industry and commerce. Yan value and rights are very online. The point is that the annual fee is free within the validity period, which is awesome!
In terms of rights and interests, as long as new customers spend a sum of money, they can receive a one-month VIP membership of Youku or iQiyi, and pursue the welfare of the drama owner. In addition, there are overseas portable wifi, hotels, airport parking and other benefits.
2. Bank of China: Taobao Credit Card
In fact, the threshold of China Bank is not too difficult, and the threshold is not very high. You can apply by providing proof of identity and residence. If you are an online shopper, this China Bank Taobao card is easy to apply for. The annual fee for the first year is exempted when you get off the card, and the annual fee for the next year is exempted when you spend any amount for 5 times.
3. Agricultural Bank: Upgrade mom's credit card beautifully.
This beautiful upgraded mother credit card of Agricultural Bank of China is also a good application. Both gold and platinum cards can be exempted from the annual fee by swiping the card number, and visa platinum card can also be exempted from the annual fee within the validity period.
You can apply for a free Disney English audition course, buy a course discount of 1200, and get a 60% discount for shopping in king of the children over 350, and a 300% discount for Mama Donkey at random on Saturday.
4. China Construction Bank: Global Hot Purchase Card
This card of CCB is also relatively easy to handle, mainly suitable for overseas travel and shopping. Gold and platinum card swipe numbers are exempt from annual fees, while Visa and MasterCard are exempt from annual fees within the validity period.
Overseas wifi, special airfare hotels, Haitao cashback, etc. It is very suitable for shopping in consumption abroad or Haitao, and is known as the "God Card" of CCB.
The credit cards that are easy to apply for in the four major banks are introduced here for everyone, hoping to help everyone. I suggest that you prepare enough information before you apply for a card, and then have proof of assets, which can help a lot!
So much for the introduction of China Construction Bank's credit card.