The current balance of China Construction Bank's credit card is the current amount owed. There is a "-" sign in the balance, which means there is a balance in the current balance; there is no "-" sign in the balance, which means the current balance is overdrafted.

China Construction Bank credit card refers to the credit card launched by China Construction Bank, all named "Dragon Card". As one of the earliest state-owned banks in China to issue credit cards, China Construction Bank already has many credit card types. The types of Dragon cards that have been publicly issued include: Dragon Card for famous schools, Dragon Card for business cards, Dragon Card for cars, China Eastern Airlines Dragon Card, Shanghai Volkswagen Dragon Card, Dragon Card for Hong Kong, Macao and Taiwan travel credit cards, CCB VISA Ming Card, eLong Changxing Dragon Card, Mango Travel Dragon Card, Dragon Card (Master cup) tennis cards, etc.

China Construction Bank Credit Card provides customers with cash withdrawal (cash withdrawal) services. Cash withdrawals (cash withdrawals) are subject to a cash withdrawal fee. According to relevant regulations of the People's Bank of China and the State Administration of Foreign Exchange, within the country, the cumulative amount of cash withdrawals (cash withdrawals) per card per day shall not exceed RMB 2,000.

Withdrawing cash (cash withdrawal) includes two situations: overdraft withdrawal and overpayment cash withdrawal. One is overdraft cash withdrawal, and the other is overpayment cash withdrawal. Overdraft cash withdrawal is a small cash loan provided by China Construction Bank to customers to help customers flexibly deploy funds when they are in urgent need.

The overdraft cash withdrawal limit of China Construction Bank's credit card is set according to the customer's card usage, and the maximum limit shall not exceed 50% of the customer's credit limit. In addition to cash withdrawal fees, domestic and overseas overdraft withdrawals also require interest payments and do not enjoy interest-free treatment. Overpayment withdrawal refers to the customer withdrawing the funds stored in the card or the funds overpaid during repayment.

Overpayment can automatically increase the available limit of the main card, but does not increase the available limit of the supplementary card. If it is necessary to increase the available limit of the supplementary card, the main cardholder should call the CCB 24-hour service hotline to apply. If the customer withdraws excess payment exceeding RMB 2,000 on the same day, he must go to the counter of a China Construction Bank branch to handle it.