If so, then I use CCB's electronic payment card, which is a virtual credit card, and there is no physical card. After the approval, I will send the card number message to the mobile phone number reserved by CCB in real time. You can edit the message to check the validity period and security code information of the electronic payment card. (Use the mobile phone number reserved by CCB, edit the short message' CCXX# all 16-digit card number # last six digits of ID card' and send it to 95533) and activate it automatically at the same time. You can set the transaction password through his customer service hotline and mobile banking.

After obtaining the card information, the electronic payment card can be used for online transactions, while offline transactions need to rely on other apps, such as "Follow the Core", "Alipay" and "WeChat" of CCB.

In other card rights and interests, online transaction switches and limits can be set, which is also safer; You can also set the transaction reminder message, whether to send it, whether to send it with a certain amount or with a pen; And it is free of annual fee.

In terms of cash withdrawal, we can combine some China UnionPay Express tools of HCE to withdraw cash through the ATM overdraft of CCB.

In addition, for overdraft withdrawal of virtual credit cards, the bank stipulates that the daily withdrawal of each card should not exceed 1 10,000 yuan, and the accumulated withdrawal fee should not exceed half of the credit card amount, and the withdrawal fee should be 1% of the cash withdrawal amount, with a minimum 2 yuan. In addition, overdraft withdrawal does not enjoy interest-free period, and interest of five ten thousandths of the cash amount is charged every day from the date of withdrawal.

For example, suppose you overdraw 2000 yuan,

Withdrawal fee =2000*0.0 1=20 yuan.

Daily cash withdrawal interest =2000*0.0005= 1 yuan/day.