the minimum repayment does not affect personal credit information.
on the bill, there are two columns: "all payable amount in this period" and "minimum repayment amount". If you have sufficient funds, you can pay off the current bill at one time; If money is tight and you don't want to pay in installments, it is a good way to repay the minimum repayment amount, which will not affect your "personal credit record" and you only need to pay five ten thousandths of the daily interest.
Cash transfer, instant application and instant receipt
In today's society, credit is value. On the current credit card, you can transfer a certain percentage of the funds within the credit limit to your savings account, apply for it immediately without approval, and receive it immediately. You only need to pay 1% handling fee and five ten thousandths of daily interest, and you can repay it at any time within the repayment period. At present, the cash transfer business only supports RMB account operation, and you can handle it through mobile banking, online banking, branch counters, STM and ATM.
overdraft cash withdrawal, take whatever you want
If you are in urgent need of cash, CCB credit card also supports overdraft cash withdrawal, you can withdraw cash not exceeding 5% of the credit card amount and not exceeding the current available credit limit. The daily limit of domestic overdraft withdrawal in the counter channel is 2, yuan, the daily limit of self-service channel is 1, yuan, the daily limit of overseas withdrawal is equivalent to 1, US dollars, the monthly limit is equivalent to 5, US dollars, and the six-month limit is equivalent to 1, US dollars. You can take it at will and use it at will.
Credit card points can be redeemed for goods and deducted from expenses
Credit card points can be redeemed for goods and donated for love in the online points shopping mall of CCB, and can also be deducted from expenses in many stores across the country. Pay attention to "Longka Credit Card" WeChat WeChat official account, click "My Site-Points Redemption", and you can enter the online redemption page, with all kinds of electronic digital, household necessities and fashionable new products, as well as iQiyi gold VIP monthly card, telephone bill, Sinopec fuel card and other selected card coupons.
Xiaocai tip: The service provided by CCB is still very good, and CCB's "security lock" and "self-service limit" functions protect the safety of users' credit cards with a strong transaction monitoring team. Many people can blindly apply for credit cards because of CCB's personalized service. I hope everyone can apply reasonably according to their own situation, and don't be bound by credit cards for convenience.