China Construction Bank’s “Dragon Card Loan Bar” is actually a virtual credit card that enjoys all the basic functions and rights of a Dragon Card credit card. The card will be automatically bound to Dragon Pay. Customers can also manually bind Dragon Card Cloud QuickPass, as well as third-party quick payments such as Alipay and WeChat. Then customers can use Dragon Pay, Cloud QuickPass, and third parties such as Alipay and WeChat. Use Dragon Card Loan Bar for consumption in scenarios supported by quick payment.

Longka Loan Bar is only open to those who have signed a contract with mobile banking to activate Dragon Payment, and are already CCB credit card customers or CCB high-quality customers. If customers want to apply, they can log in to CCB Mobile Banking from 4:30 am to 24:00 pm every day, click "Dragon Payment", and then click "Dragon Card Loan Bar" to apply (each customer can apply for up to one Dragon Card Loan Bar) credit card).

Everyone needs to note that the Longka Loan Bar and other CCB credit card limits under the customer’s name are exclusive. However, applying for Longka Loan Bar will generate a separate account, so the repayments should be made separately. of.

Main Features of Credit Cards

Pre-deposit of cash is not encouraged. Spend first and repay later. Enjoy an interest-free repayment period. You can repay in installments (with a minimum repayment amount). Join VISA , Master Card, JCB and other international credit card organizations so that it can be used globally.

It is one of the fastest growing financial services today and is an electronic currency that can replace traditional cash circulation to a certain extent.

Has both payment and credit functions. Cardholders can use it to purchase goods or enjoy services, and can also obtain certain loans from card issuers by using their credit cards.

It is a high-tech product integrating financial business and computer technology.

Can reduce the use of cash currency.

It can provide settlement services to facilitate shopping and consumption and enhance a sense of security.

It can simplify the collection procedures and save social labor.

It can promote product sales and stimulate social demand.

Credit card repayment methods

The methods within the card issuing bank include: card issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. After repayment, the credit card limit will be restored immediately, and the payment will generally be credited to the account after the system processes it on the same day.

WeiBank POS mobile phone and WeiBank Tong POS mobile phone are a mobile financial system personal payment terminals that can be used to directly repay by swiping cards, as well as perform transfers and other services. Instant payment!

Transfer/remittance repayment is mainly divided into two methods: inter-bank inter-bank in the same city and inter-bank inter-bank in different places. Regardless of the method of transfer or remittance, the remittance bank will charge a certain fee. At the same time, the time it takes for the money to arrive and the convenience of repayment are not as good as intra-peer repayment, online repayment, convenience store repayment and other methods.

The more common domestic online platforms for online repayment include: UnionPay Online, Kuaiqian, Shengfutong, Alipay, Tenpay, etc. Depending on the platform and bank you choose, the charging standards and specific payment arrival time will be different.

This method of convenience store repayment is mainly completed through the "Lakala" smart payment terminal installed in the convenience store. Generally, the payment time takes 2 to 3 working days. At the same time, using this There is no handling fee for repayment.

Counter repayment counter refers to bank cards issued by various networked financial institutions, which can be used to conduct RMB current deposit and withdrawal transactions through the counters of other bank branches registered in the UnionPay exchange center host system.

The "Xinpaytong" smart credit card phone for repayment is an innovative electronic product independently developed by China UnionPay, certified by the Bank Card Testing Center, and supported by financial services provided by China UnionPay's inter-bank information exchange network.

Use "Repayment Tong" to make repayments, and the fees are generally charged according to the fee standards for intra-city inter-bank transfers and long-distance inter-bank remittances stipulated by the local People's Bank of China.

Other methods In addition to the methods mentioned above, card issuers have also opened their own unique repayment methods in order to facilitate cardholders' repayment.