The city's most popular credit card, Long Card, has a credit limit of 20,000.

Relevant regulations for establishing credit cards:

1. Other banks’ mobile banking also has its own unique strategies in risk prevention. For example, when transferring money through ICBC’s mobile banking, a dynamic password is required in addition to the password. Card; and the account number of China Merchants Bank mobile banking users will only be displayed on part of the screen, which can reduce the risk of account leakage due to the use of mobile phones in public places or theft of mobile phones.

2. Cash advance For overseas transactions, we will convert the transaction amount into foreign currency according to the exchange rate specified by international organizations, and charge corresponding handling fees. Some overseas banks may charge additional fees.

3. Banks can first transfer some simple services to self-service on mobile phones, such as account inquiries. According to statistics from the American Banking Association, the overall cost for users to go to the bank to receive services at the counter is US$2.7, while the cost is reduced to 1/4 through the teller machine. The cost of independent services through mobile phones is only 1/20 of the counter service.

4. When purchasing goods or services that can provide installment payment from the installment payment cooperative merchants designated by Bank of China, after selecting the installment payment business model, the merchant's cashier will proceed according to the installment payment business rules of Bank of China. Related card swiping operations. The specific installment rules are subject to the announcement issued by the merchant.

5. Handle the collection and payment of funds arising from the temporary business activities of temporary institutions and depositors. Cash withdrawals from temporary deposit accounts should be handled in accordance with national cash management regulations. The scope of opening a temporary deposit account: establishment of temporary institutions, temporary business activities in other places, registration and capital verification.

6. The depositor’s collection and payment of funds for daily business activities and the withdrawal of wages, bonuses and cash should be handled through this account. General deposit accounts are used to handle the transfer of depositors' loans, loan repayments and other settlements of funds. This account can handle cash deposits, but cannot handle cash withdrawals.

As a result, the credit limit of Long Card, which is a popular purchase in the city, is 20,000.

Extended information:

The role of CCB credit cards

1. Feedback function

CCB cards transmit economic information generated in exchange activities , reflected to the exchange parties, which is the feedback function of the market. While commodity sellers and buyers are conducting exchange activities in the market, they are constantly inputting information about production, consumption, etc. This information is transformed by the market and fed back in new forms.

The form and content of CCB card information are diverse. In the final analysis, they are the manifestation of the supply capacity and demand capacity of commodities in the market. They are a foreshadowing of the changing trends of market supply and demand. Their essence reflects the role of social resources in various fields. Department allocation ratio.

The information feedback function of CCB Card can provide an important basis for national macroeconomic decisions and corporate production and operation decisions: on the one hand, the state can judge the performance of various sectors of the national economy based on the information feedback on the total volume of market commodities and their structure. Whether the proportional relationship between departments is appropriate or not, and plan and adjust the distribution ratio of social resources in various departments accordingly;

On the other hand, enterprises can also make adjustments based on information feedback on the market sales status of goods. Make judgments and predictions about consumer preferences and demand potential, thereby deciding and adjusting the business direction of the enterprise.

With the improvement of social informatization, the information feedback function of the market will be increasingly strengthened.

2. Regulatory function

The regulatory function means that the market, under the action of its internal mechanism, can automatically adjust the operating process and basic proportional relationships of the social economy. As the operating carrier and realistic manifestation of the commodity economy, the market is essentially the realization form in which the law of value takes effect. The law of value is transformed into the internal mechanism of economic activities through price, supply and demand, competition and other forms of action.

The market mechanism automatically regulates the entire process of social production, distribution, exchange, and consumption through price adjustment, supply and demand adjustment, and competition adjustment. For example, adjust the allocation of social resources among various departments and enterprises and the total volume and type composition of produced products; adjust the interest distribution relationship between various market entities;

Adjust the total supply and demand and supply and demand structure of market commodities; Adjust social consumption levels, consumption structure and consumption patterns, etc. On the basis of the above adjustments, automatic adjustment of the basic proportional relationship of social economy is finally achieved. The regulating function is the most important and core function of the market.

Baidu Encyclopedia-China Construction Bank

China Construction Bank Official Website-Credit Card Terms

Baidu Encyclopedia-Credit Card