China Construction Bank Longka Yaohong Credit Card is the first American Express brand RMB credit card issued by China Construction Bank Co., Ltd., which has the function of "one core and two functions" and is universal at home and abroad, and supports card insertion and credit card transactions. All transactions of China Construction Bank Yaohong Credit Card are accounted for in RMB, and no currency exchange fee is charged. You can apply as long as the following conditions are met:
1, age 18 to 70, with full capacity for civil conduct;
2. Have a stable occupation and income, be able to repay the principal and interest on time, and have a good credit.
It should be noted that college students who have reached the age of 18 must implement the second repayment source when applying for a card. Therefore, your parents (or relatives) will need to fill in and submit relevant application materials when you apply for a card.
The specific application process is as follows:
1. Select to open the application; China Construction Bank's application program on mobile phone;
2. On the homepage of the opened software, select Open Credit Card;
3. On the credit card page, select Open Application Card;
4. On the card application page, select your Yao Hong card and fill in the applicant information;
5. After completing the form, click Submit Application, and a staff member will contact you later.
Longka Yaohong Card is a gold shopping card with an interest-free period of 50 days, and the maximum withdrawal amount is 50% of the available amount of the credit card. The cash withdrawal fee is 65,438+0% of the cash withdrawal amount, which is the lowest in 2 yuan. If the user is unable to repay after use, the minimum repayment amount strategy can be adopted. Among them, the minimum repayment amount is 65438+ 00% of this month's bill, with daily interest of 0.05%.
Of course, there is an annual fee. The annual fee is 160 yuan. After the applicant successfully applies for a credit card and gets a physical card, the user can enjoy the right to reduce the annual fee by swiping the card for more than three times in the same year. To put it simply, the annual fee standard of Longkayao Red Card issuing bank is 3 transactions per year, and the annual fee for that year is exempted.
This card is more suitable for people with stable income. If you are a student at school, it is not recommended to apply.