The choice of CCB credit card depends on your own needs;

Generally, you can apply for a regular card;

If the usage limit is slightly higher, you can apply for a gold card ;

Business people and those who need to spend large amounts of money can choose to apply for a platinum card.

CCB Credit Card (part): Basic functions:

1. Credit consumption: consume first and repay later, no pre-deposit required.

2. One card with dual currencies: It has dual accounts in RMB and USD, which can be used both at home and abroad. Domestic transactions are credited to the RMB account, and overseas transactions are credited to the USD account (single-currency credit cards do not have this function) ).

3. Password optional: The first "domestic consumption password optional" function in China, which can be flexibly selected according to personal card usage habits. (You can set no password for small amounts and a password for large amounts).

4. Easy repayment: monthly statements are provided, and repayment methods are flexible and diverse: telephone foreign exchange purchase and repayment, branch repayment, ATM machine self-service repayment, CDM machine self-service repayment and agreed account repayment. payment, online banking repayment.

5. Special merchants: Carefully select preferential merchants across the country to provide many preferential discounts.

6. Report loss by phone: If you lose your card, you can report the loss by phone. Once the loss report is effective, our bank will provide security without taking any financial risks.

7. Disputed payment: If a customer disputes any consumption payment, it shall be verified first and then paid.

8. Overseas rescue: If the card is lost overseas, emergency replacement cards and emergency cash withdrawal services will be provided.

9. Free hotline service: A dedicated 24-hour service hotline.

10. If you spend more than 1,000 yuan, you can apply for interest-free installment payment and only need to pay a small handling fee.

11. SMS reminder: Free SMS reminder if you spend more than 500 yuan.

12. Earn one point for every dollar spent. The points are permanently valid, and points are doubled from time to time.

13. No annual fee for the first year, and no annual fee for the next year if you swipe the card three times (except for car cards).

14. Points from various credit cards under the same customer’s name can be combined and used (except Popular Card and China Eastern Airlines Card).

15. When you purchase a ticket at a designated ticket purchase point by swiping your card with a gold card, you will get 1 million yuan for free, and you will get 500,000 yuan for ordinary card in aviation accident insurance. The high amount of insurance will accompany you with warmth and joy along the way.

Note: Gold card and regular card are basic cards. There are many kinds of cards according to different cooperative merchants or institutions. You can call CCB customer service for details.