How to use CCB credit card?

First of all, congratulations on your successful application for a CCB credit card. To be a successful cardholder, you still need to practice hard, so you should understand the basics of CCB credit cards. Take a few minutes to read it, and you can use it in your daily life in the future. Use cards better in life!

Repayment at Construction Bank business outlets:

You can make cash repayment or transfer repayment with your card or at Construction Bank business outlets across the country. Regardless of whether it is in the same city or in another place, China Construction Bank branches can accept it, and there is no handling fee.

—Outlet repayment can realize the repayment of RMB arrears in RMB cash and the repayment of USD arrears in USD cash.

—Transfer repayment can transfer funds from your debit card or quasi-credit card to your credit card account for repayment.

—Using RMB cash to repay RMB arrears and transfer repayment can be handled at all our bank’s business outlets. Using USD cash to repay U.S. dollar arrears must be handled at our bank’s business outlets that offer foreign currency business.

—When repaying the loan in convertible foreign currency other than US dollars, you should exchange it through foreign exchange transactions and then repay in US dollars.

Agreed account repayment:

You can designate a personal bank settlement account opened by yourself in China Construction Bank as the repayment account, and China Construction Bank will automatically repay it on the due date. The corresponding amount will be deducted from the repayment account. Before you apply for repayment from the agreed account, please call the local 95533 or 24-hour service hotline to check whether the local CCB where you applied for the card has opened this service.

Telephone foreign exchange purchase and repayment

Telephone foreign exchange purchase and repayment can only use RMB to purchase foreign exchange to repay the US dollar debt of the credit card. You must complete the deposit and telephone repayment application within the same day. The exchange rate is based on our bank's US dollar selling price at the time of purchasing foreign exchange. If you need to inquire, please call our bank's 24-hour service hotline. If the overpayment in your credit card RMB account on the day of your foreign exchange purchase is insufficient, you can also use your available limit to purchase foreign exchange and repay it, and pay interest from the date of your foreign exchange purchase.

ATM transfer repayment

You can transfer the RMB funds from your Dragon Card savings card or quasi-credit card to your Dragon Card credit card account through an ATM to repay the RMB debt owed to your Dragon Card credit card.

Report loss: When using a CCB credit card, if your card is accidentally lost or stolen, please call the CCB 24-hour service hotline immediately to report the loss. Once the loss report is accepted and confirmed by China Construction Bank, the loss report will take effect immediately, which can protect your interests to the maximum extent.

If your card is lost or stolen abroad and you still need to use the Dragon Card (dual currency) credit card while abroad, please call the China Construction Bank 24-hour service hotline to report the loss and apply for an emergency replacement card . Construction will immediately contact the foreign card issuer to apply for an emergency replacement card for you and issue you a new card at the same time.

Card replacement: Dragon Card (dual currency) credit card is valid for 3 years and will become invalid upon expiration. China Construction Bank will proactively send you a new card one month before your card expires for your convenience. If you do not want to continue using the card after it expires, please call the construction 24-hour service hotline one month before the card expires.

Replace the card in advance: If your card expires within 3 months and you need to change the card in advance due to special reasons such as going abroad, please call the 24-hour service hotline to apply and destroy the original card yourself. Construction will handle card replacement in advance and send you a new card.

Damaged card replacement: When your card can no longer be used due to damage, breakage, degaussing of the magnetic strip or incorrect signature, etc., you can apply for a new card; to apply for a reissue, please call China Construction Bank 24 hours a day Service hotline, re-issuance of a new card requires payment of the corresponding re-issuance fee; please be sure to destroy the old card yourself to avoid unnecessary losses.

How to use CCB credit card?

The following points need to be paid attention to when using CCB credit cards:

1. A handling fee will be deducted for cash withdrawals with CCB credit cards. For domestic cash withdrawals, a handling fee will be deducted at 0.5% of the cash withdrawal amount. , the minimum is 2 yuan and the maximum is 50 yuan. The overseas cash withdrawal fee is calculated as 0.5% of the cash withdrawal amount plus 12 yuan, with a minimum of 14 yuan;

2. There is no interest-free period for CCB credit card cash overdrafts. From the date of withdrawal, interest of 0.05% will be deducted based on the cash withdrawal amount every day until the principal and interest are paid off;

3. Consumption before the monthly statement date will be billed on the bill date of the month, and the bill will be issued on the third day after the bill date. If you pay off the loan before one repayment date, you can enjoy the interest-free treatment;

4. Consumption after the monthly bill date will be billed on the next month's bill date, and the first repayment date after the next month's bill date. If you have paid it off before, you can enjoy the interest-free treatment;

5. There is no interest-free period for cash withdrawals by credit card, and there are handling fees. Interest will be calculated at 0.05% of the cash withdrawal bill amount from the date of withdrawal until the repayment. It is not recommended to withdraw cash by credit card until all the principal, interest, etc. are paid off. If you need it urgently, you should repay it as soon as possible;

6. The repayment date of the credit card is the last repayment date, and it can be any day before Repayment is possible, and you can repay multiple times. However, if you exceed the repayment date, it will be considered overdue, which may affect your personal credit, so you should repay in time.

Guidelines for using CCB credit cards

Many CCB credit card users are not clear about some matters concerning the use of credit cards. The following will introduce the repayment period of CCB credit cards, how to transfer funds, and what bill installments are available. Channels and CCB credit card online payment process.

Repayment period for CCB credit card

How long is the repayment period for CCB credit card? Lack of understanding of card usage has caused some people to gradually become card slaves. If they calculate the repayment period in advance and repay in time, they can get rid of card slaves and use cards healthily.

The 50-day repayment period for CCB credit cards refers to consumption on the day after the bill date. This day can have the longest 50-day repayment date. The repayment principle is that 20 days after the bill date is the final repayment date.

Suppose your billing date is July 25th, and if you consume on July 26th, then the transaction will be billed on August 25th, plus 20 days, it will be on September 14th Just repay, so in this example there are 50 days of repayment from July 26 to September 14.

How to transfer funds with CCB credit card

How to transfer funds with CCB credit card? What are the steps for CCB credit card transfer? Credit cards can be used to transfer funds, but there are limit limits and the fees are not low. If you really need to transfer money, you can open online banking for your credit card. Let’s introduce it in detail to card friends.

Online registration can only be done after you have opened a card and set a consumption_cash withdrawal password. The specific steps are as follows:

1. Log in to the China Construction Bank website.

2. Click on the "Online Banking" service.

3. Click to activate the "Online Banking" service.

4. Confirm the customer service agreement.

5. Enter personal information as prompted, where the account number is your credit card, the account password is your credit card consumption_cash withdrawal password, and the additional code is entered as shown in the box on the right.

After successful registration, you can log in to credit card online banking with your ID number, the login password you entered when registering, and the additional code prompted to complete credit card transfers.

Installation channels for CCB credit card bills

What are the installment channels for CCB credit card bills? For example, SMS application, online application, mobile banking application, etc. are all possible. In the past, cardholders may have been required to go to the counter to complete the procedures, but now there are more channels, which naturally makes it convenient for many users.

1. WeChat application

Follow the "CCB Electronic Banking" public account, bind your credit card, and click "Credit Card" - "Bill Installment" - "Click here to apply for installment".

2. SMS application

Use the mobile phone number reserved in our bank to edit the text message "CCZZ#last 4 digits#amount#issue" and send it to 95533.

3. Mobile banking application

Enter "CCB Mobile Banking" and click "Credit Card" - "Bill Installment Application".

4. Online application

Personal online banking users please click Apply for Bill Installment and select "Credit Card Inquiry - Select - Query Issued Bills - Apply for Bill Installment".

For registered users of the credit card channel, please click Apply for Bill Installment and select "- Bill Issued - RMB - Apply for Bill Installment".

5. Telephone application

Call 400-820-0588

If you need help, please call 400-820-0588 and transfer to manual service (non-400 service area Please dial 021-38690588 (from overseas please dial 86-21-38690588).

CCB credit card online payment process

1. Purchase goods at CCB online merchants, select the payment method as CCB online payment or Long Card online payment, and enter the payment page;

2. The cardholder enters the relevant information as prompted and clicks to log in;

3. The cardholder checks the purchased goods and amount, and then selects the credit account under the payment account after confirming that they are correct;

4. Enter the security verification code of the credit card, click Pay, and then enter the transaction password as prompted;

5. The payment is completed.

I believe that through the introduction, you can have a rough grasp of the use of CCB credit cards.

That’s it for the introduction of tips on how to use CCB credit card.