CCB Longka Hot Purchase Card is a cross-business circle, comprehensive and platform-based joint credit card that CCB strives to build. It not only has the basic functions and rights of CCB's standard ic credit card, but also incorporates the exclusive rights and interests of business circles in many fields such as "food, clothing, housing, travel, entertainment". For details, please log on to the homepage of CCB official website Credit Card, select the branch where the customer is located, and find the special hot purchase card of this branch through "Credit Card Products-Card Types-Entertainment Shopping". In addition, CCB issues global hot-purchase credit cards, which are suitable for all kinds of overseas machines and tools, and the global transactions in RMB are accounted for, free of currency exchange fees! There are also free 10 days of global WIFI and up to 8% cashback rewards for overseas offline consumption! For more details, please pay attention to the official account of "China Construction Bank Customer Service" WeChat. (In case of business changes, please refer to the actual situation. )
What kind of card is CCB Hot Purchase Credit Card? Good application?
Hot purchase credit card is a standard IC credit card, and then there are two kinds: gold card and platinum card.
At present, CCB has issued hot purchase cards in many areas, and the biggest feature of this card is that there are many preferential activities in the local area.
In fact, whether the application is good or not depends not on the type of card, but on your personal credit.
If your credit status meets the criteria for a gold card, you can apply for a gold card of any card. On the contrary, if you don't meet the application conditions, you can't apply for a gold card of any card. If you can, you can apply for more financial certificates at the outlets, such as real estate, automobile production, time deposit certificate of China Construction Bank, etc. Sufficient information is helpful for card review.
Platinum card is difficult for me to handle because of its high conditions. If you want a gold card for the first time, you can try it first. The basic conditions for applying for a CCB credit card are: at least 18 to 70 years old, with full capacity for civil conduct; Have a stable occupation and income, be able to repay the principal and interest on time, and have a good credit. This requirement is not high. If you work in a regular unit, the unit must pay five insurances and one gold continuously, and your personal credit record is good, so it is possible to apply for a credit card.
If you meet the requirements, you can try to handle it at CCB outlets. If you have assets in your name, it is recommended to provide relevant certificates, such as real estate license, car driving license, large time deposit, etc. It is helpful for card review. You can also apply to the credit card homepage of CCB, and official website can't provide proof of financial resources.
Advantages and disadvantages of CCB's global hot purchase card
China Construction Bank's global hot-purchase credit card VISA single-label credit card belongs to the standard platinum card, so the amount is generally more than 30,000 yuan, and the maximum amount will not exceed 200,000 yuan, but the specific amount depends on your personal application qualification and the final audit of the bank.
The advantages of this card are as follows:
Free of foreign exchange charges: all transactions are automatically purchased and converted into RMB, free of foreign exchange charges, and cardholders only need to repay in RMB according to the bill.
Travel discount: You can enjoy all-round overseas travel services such as air tickets, hotels, visas, WIFI, car rental, and shopping discount services for well-known department stores, brand stores and duty-free shops covering popular tourist destinations such as China, Hong Kong, Macao, Taiwan, Japan, Southeast Asia, the United States and Europe.
Cash-back discount: Cardholders can also participate in the rich series of activities of CCB "Play around the world and buy global fever". Overseas merchants can enjoy up to 18% cashback, and Haitao can enjoy up to 10% cashback.
Disadvantages:
However, for domestic users, because the UnionPay channel in China is very mature and popular, and the VISA channel generally supported by hot purchase cards is only opened in a small number of merchants, the usage scenarios are very limited.
Extended data:
Characteristics and functions of CCB's global hot purchase card;
Chip trading is safe and convenient. Contact and non-contact dual-interface chips are adopted, and the composite card form of "chip magnetic stripe" is adopted to provide cardholders with a safer and richer payment experience.
Global payment is free of currency exchange fees. All transactions (including credit card consumption, online consumption, cash withdrawal, etc.). ) are purchased automatically, and the currency exchange fee is free. It is more convenient for cardholders to repay their debts in RMB according to the bill.
Longka is safe to use. The security card guarantees the exclusive value-added service "Longka is safe to use", real-time SMS reminder for transactions, and 48-hour stolen brush protection. The annual compensation for stolen brush is as high as 50,000 yuan, and only 3 yuan is needed every month, so as to strengthen the safety of card use.
Multiple travel guarantee
Aviation accident insurance: Cardholders can purchase air tickets or pay travel expenses (including air tickets) by swiping their cards. Standard Platinum Cardholders can enjoy aviation accident insurance of 5 million yuan, and Gold Cardholders can enjoy aviation accident insurance of 6,543.8+0,000 yuan.
Flight and baggage delay insurance: if the cardholder swipes the card to purchase the air ticket or pay the travel expenses (including the air ticket), if the delay exceeds 4 hours, the maximum flight and baggage delay insurance of RMB 3,000 can be obtained.
Overseas card loss protection: if the cardholder steals the card 48 hours before reporting the loss, the standard platinum card holder can enjoy the card loss protection service of RMB20,000, and the gold card holder can enjoy the card loss protection service of RMB65,438+RMB00,000.