CCB calls you to apply for a credit card

It can be done. CCB will usually call high-quality customers to notify them to apply for a credit card. You'd better ask first what kind of card you are being invited to apply for. How are the fees charged and what preferential policies are there? What channels can be used to apply, etc.

Another situation is that you are a savings customer of China Construction Bank, and they conduct joint marketing. This is the business consolidation strategy. Generally, the more business you handle and hold in a certain bank, the less likely it is to be lost.

Of course, no matter which one you choose, it still depends on whether you need it, and you should first understand the situation of the card before making a decision. If it is suitable and necessary, do it; if not, refuse it. Spend wisely and manage finances rationally.

Extended information:

Credit card application conditions:

1. Aged between 18 and 60 years old, with full capacity for civil conduct;

2. Have a good credit record;

3. Have a job income and the ability to repay.

Credit card application materials:

1. Identity proof information: copy of resident ID card or military officer ID card;

2. Work and income proof information;

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3. Other proof of financial resources: such as a copy of the real estate certificate, a copy of the driving license, a copy of the deposit receipt, etc.

3. Credit card application method:

1. Application at the counter:

Bring your credit certificate to the counter to apply:

Applicant required Submit relatively complete asset certification documents and submit materials to the bank for review by the bank's backend review department;

After passing the review, fill in relevant information and identity information;

Issue a credit card.

2. Online banking application:

The applicant uses a savings card account in his or her name to open online banking, Lenovo computer Microsoft system, Google browser to open Baidu homepage, search for China Construction Bank, and enter the bank Official website;

Enter the login password and verification code to enter the online banking page;

Click "Credit Card Service", you can choose to apply for a credit card under the credit card service page, fill in the information and submit it for review The progress and results are displayed on the online banking;

After the review is passed, the credit card will be issued.

3. Counter application process:

Go to the bank branch where the credit card is processed, or ask the staff of the local bank's credit card center to fill out the credit card application form. The content of the application form generally includes the applicant's name, basic information, financial status or source of income, guarantor and his/her basic information, etc.;

Submit certain copies of certificates and certificates to the card issuing bank;

After filling in the application form truthfully, you must submit relevant credit certificates together with the completed application form;

The application form is accompanied by a credit card use contract, and the applicant authorizes it The card-issuing bank or relevant departments will investigate the relevant information and submit a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must have my signature;

The credit card application process is basically completed and waiting for the credit card to be issued.

China Construction Bank: Why should I use a credit card (debit card) to open a card?

China Construction Bank official reply:

You must first run the credit card (credit card) opening operation before using each credit card (credit card). ) can only be used after the card is successfully opened. After you receive the card, whether it is the main card or the supplementary card (including newly issued cards, damaged and lost cards, replacement cards when expired, etc.), please first call our credit card (debit card) service hotline through online banking at 4008200588 or 021-38690588 to open the card.

What is the purpose of applying for a China Construction Bank credit card?

The biggest advantage of a credit card is that you can overdraft your purchases and enjoy the interest-free period. There are also several advantages: Helping lazy people check out. If you use cash every month, when you think about it carefully at the end of the month, you often can’t remember where you used it and how much you used. Your credit card will bill you every month. The bill will have the name of the merchant, the date of consumption, and the amount of consumption, which can help you recall the use of funds.

, Credit cards can synchronize expenses with income. For example, you are paid on the 15th of every month. You can synchronize your wages with your credit card bill date. For example, if your bill date is the 7th, the 27th of each month is the repayment date. Then the salary paid on the 15th can be used to repay the loan. Many people think that they still have to repay credit card overdrafts, but they can enjoy the bank's interest-free period. Why give up this benefit? You have to spend money next month, spend it this month first, and wait until your salary is paid next month. What else is wrong. , although many people disdain overdrafts and think that the deposits in their savings cards are enough for consumption. Even so, credit card statements still reflect your spending better than debit card balances. If you are not a money earner, if you have money on your savings card that is much larger than your salary for several months, people with poor control often swipe money randomly because there is too much money left on their savings card. However, a credit card is different. It has no money itself. Its balance is negative, which shows the overdraft limit you have spent this month. On a debit card, you often focus on the remaining deposit, but you can directly check it from the credit card. Knowing how much you spend this month is a better reminder, or at least gives you a constraint. , of course, for other people, it is the benefit of temporary turnover. For example, suppose you don't have much cash around you, but someone is temporarily sick and requires a five-digit sum of money for surgery. Generally, people who manage money for the long term will not keep too much cash. With a credit card, you can swipe it out immediately and raise enough money within up to 50 days. 50 days is already a lot of room for short-term operators. , Credit cards can be said to be a trend. Nowadays, when everyone buys things online, especially overseas shopping, which is becoming more and more fashionable, they basically need credit card pre-authorization. When you book a travel itinerary or a room online, or even purchase apps on your iPhone, you need to pre-authorize your credit card. It’s really inconvenient not to have a credit card with you.

Why do you need a credit card (debit card) for a China Construction Bank car loan?

China Construction Bank’s car loan model is to purchase a car in installments using a credit card (debit card), so when applying for a car loan, you must apply for a Construction Bank credit card (debit card). Users who already have a China Construction Bank credit card (debit card) can apply for a car loan directly. If you do not have a card, you need to apply for a credit card (debit card) first and then apply for a car loan. Banks are generally unwilling to do car loan business, but credit card (debit card) installment car loan is a new car loan model, and it is also the car loan type mainly promoted by banks.

In fact, when applying for a car loan, 4S stores usually require users to go directly to a bank that has a credit card (debit card) to apply for a car loan, and will not recommend users to apply for a temporary credit card (debit card) Car loan.

That’s it for the introduction of why China Construction Bank needs to apply for a credit card.