Introduction to the C standard of CCB joy Card

There are three versions of CCB JOY Credit Card, namely, UnionPay version, VISA version and MasterCard version.

CCB JOY Credit Card C is issued to young customers under the age of 35. It is a UnionPay standard platinum card, with an annual fee. Every year in 58 yuan, the annual fee is exempted for 1 card swiping transactions. This card can be used by merchants and ATMs with UnionPay logo at home and abroad, and the minimum repayment rate is as low as 5%.

credit card comparison: the difference between CCB Longka Premium Card and joy Card

There are more and more people using credit cards, and the types of credit cards of banks are also very rich. As one of the four major state-owned banks, China Construction Bank has naturally attracted more attention to its credit card products. Today, I would like to introduce you to the difference between CCB Longka Premium Card and joy Card. After comparing the two credit cards, it is much easier to choose one of them.

Product introduction of CCB's Longka Premium Card and joy Card:

1. Longka Premium Card

is a MasterCard brand chip magnetic stripe composite credit card issued by CCB for customers with consumption abroad needs. With the product highlight of "1% cash back for consumption abroad pens and 34% cash back at the highest", combined with rich business interests, a credit card covering the needs of customers in consumption abroad is created.

this MasterCard-marked credit card belongs to the gold card level.

2. Longka joy Card

is an exclusive credit card product issued by China Construction Bank for young customers under the age of 35, which can meet the diverse needs of young customers.

this credit card product includes three card organizations: unionpay, MasterCard and VISA, in which the unionpay version has two grades: standard platinum card and gold card (student version), while MasterCard and VISA version only issue platinum card.

Through the introduction of the above credit card products, the differences between CCB Longka Premium Card and joy Card are obvious, mainly in the following aspects:

1. Credit card quota: Longka Premium Card is lower than joy Card, except for the student version of joy Card, which may be as low as .

2. Credit card application conditions: Longka Premium Card belongs to MasterCard Gold Card level, and customers with consumption abroad needs and corresponding economic ability and credit conditions can apply; However, the age of joy card applicants is limited to under 35 years old, and applying for platinum card needs to have stronger economic strength. The student party can choose to run the student version of the gold card.

3. Annual fee standard: gold card 16 yuan/year, supplementary card 8 yuan/year; Standard Platinum Card 58 yuan/Card, Supplementary Card 3 yuan/Card. Longka Premium Card and joy Card (including Gold Student Edition, MasterCard and VISA Standard Platinum Card) are subject to the policy of annual fee exemption within the validity period of the main supplementary card, while joy Card UnionPay Standard Platinum Card needs to spend more than 1 transactions to reduce the annual fee.

in addition, there are differences in credit card rights between CCB Longka Premium Card and joy Card. Different card organizations and card grades have different rights and benefits, but they are all equivalent, which is worth applying for by customers with different needs.

what is the C-label card of CCB joy Card

CCB Dragon JOY Credit Card is an exclusive credit card issued by our bank for young customers under 35 years old. The cards are divided into UnionPay standard platinum card, VISA standard platinum card, MasterCard standard platinum card, JCB standard platinum card and UnionPay gold card (student version). The customer's CCB joy card C standard white is a CCB UnionPay standard platinum credit card.

if you have any other questions, please consult "China Construction Bank Customer Service" WeChat WeChat official account for consultation.

(in case of business changes, please take the actual situation as the standard. )

How about CCB joy Credit Card

It is easy to use for young people. The biggest drawback of CCB joy Credit Card should be that it is only issued to young customers under the age of 35. Therefore, CCB joy Credit Card can meet the diverse needs of young customers, but for customers over the age of 35, it simply cannot enjoy its various rights and interests. This limits the scope of customers to some extent. Secondly, CCB joy credit card is often described as pseudo-platinum, because there is not much interest in the platinum card series of this card, let alone the high-end platinum card treatment.

Actually, this is because this credit card belongs to the "Little Platinum" series, so it can't be compared with the real Platinum card. The interests of CCB joy Credit Card all come from UnionPay, VISA and MasterCard organizations, but the real platinum card will also provide various interests in addition to the rights of the card organization, which many CCB Platinum cards do not have.

:

1: CCB joy Credit Card is an exclusive credit card product launched by China Construction Bank for young customers. This card simultaneously issues three brands of platinum credit cards, namely UnionPay, VISA and MasterCard, and there is also a student version (UnionPay brand gold card). At present, it has the following privileges:

1. Repayment concessions: CCB joy Credit Card provides cardholders with the lowest repayment ratio of 5%, which reduces the repayment pressure of young users.

2. Provide value-added event courtesy: new customers can enjoy the season card courtesy of Aiqi Gold members when they open their cards, and they can get the qualification to buy fashionable backpacks at ultra-low prices by swiping their cards three times, and they can get 12, bonus points by borrowing cash in advance.

3. exclusive privileges of "hot shopping" merchants: enjoy exclusive privileges of shopping centers, well-known department stores, restaurants and other hot shopping merchants all over the country.

4. Security: 3 yuan can enjoy instant messaging service every month, and both domestic and overseas fraudulent transactions can enjoy 5, yuan compensation guarantee. Therefore, this card is still worth handling.

2: CCB Longka JOY Credit Card belongs to UnionPay Platinum Card. The annual fee of the main card is 58 yuan/card, and the annual fee of the supplementary card is 3 yuan/card. The annual fee of the current year is exempted when the card is spent and withdrawn for a total of 1 times in each card year (the amount is not limited). If you want to open instant messaging service, there will be a monthly SMS fee in 3 yuan.

3: if the domestic and foreign stolen brush transactions meet the claim conditions 48 hours (inclusive) before the loss is reported, they can enjoy the compensation guarantee of up to RMB 5, per year. Because it is mainly designed for young customers, Longka JOY Card has introduced a minimum repayment ratio as low as 5%, and the minimum repayment amount is not less than 2 yuan RMB or US$ 5. If the accumulated outstanding transaction principal is less than 2 yuan RMB or US$ 5, the minimum repayment amount is equal to the accumulated outstanding transaction principal.

which is better, CCB Life Card or joy Card

Answer: Personally, I think Life Card is more economical and practical. 1. CCB Life Card needs to be used in combination with CCB Life APP. It is a good choice to order this card frequently, and many take-away coupons will be sent.

① open a card and send a reduction coupon to 2 yuan;

② After the consumption reaches the standard, six 15 yuan take-away coupons will be given;

③ Accumulated consumption returns to 5 yuan from 1 yuan, with the highest annual consumption of 125=6 yuan;

④ In the CCB Life APP, if you choose to pay with the CCB Life Card, you can get double points, 2, yuan per month.

2. Longka joy Card is an exclusive credit card product issued by China Construction Bank for young customers under the age of 35, which can meet the diverse needs of young customers.

this credit card product includes three card organizations: unionpay, MasterCard and VISA, in which the unionpay version has two grades: standard platinum card and gold card (student version), while MasterCard and visa version only issue platinum card.

let's stop here for the introduction of CCB joy credit card.