1. How to repay the China Construction Bank credit card?

Haha, brother, let’s answer one by one:

1. If you don’t open the card now, there will be no impact. , just call the customer service number on the back of the card to cancel the card.

2. A good credit card record is not helpful for a loan, but a bad record will be referred to by the loan bank. hehe.

3. After the credit card is bound to the salary card, the credit card debt amount will be deducted from your salary card on the last repayment day of each month. If the amount in the salary card is insufficient, the amount will be deducted. If the amount is not enough, the amount will be deducted. Be careful of overdue records, as this may create bad records and affect your credit.

4. Small consumption in the short term will not increase your credit limit. You have to cultivate it for one or two years. Only with good credit and active consumption can the increase be possible, depending on the specific situation.

2. Knowledge about China Construction Bank’s credit cards

Hello, no annual fee policy: Swipe the Gold Card 3 times to waive the annual fee for the following year (excluding special business cards, car cards, etc. Card type) Cash withdrawal handling fee: Domestic: 5‰ of the transaction amount, minimum 2 yuan, maximum 50 yuan; overseas: 3‰ of the transaction amount, minimum 3 US dollars.

Maximum interest-free period: 50 days Multiple account management: Limit ***Enjoy independent repayment on billing day Independent online payment: Alipay: You can use it after online registration, both single transaction and single day limits For 500 yuan installment business: support interest-free installments (3, 6, and 12 installments) from specific merchants. After a single purchase of more than 1,000 yuan, you can call to apply for installments (3, 6, or 12 installments). Each installment will generate different handling fees according to the number of installments. The billing date is: the 2nd, 5th, 7th, and 10th of each month. On the same day, cardholders can change the card category once during the validity period of the card: regular card (limit 3,000-50,000 yuan), gold card (limit 10,000-50,000 yuan) Currency: RMB, RMB/USD, RMB /Euro, RMB/JPY For more detailed information, please refer to Apply for CCB Credit Card/creditcard_list/.

3. What are the common sense about CCB credit card application?

1. Incomplete card application materials cannot submit the application. When applying for a credit card, the first step is to submit the application materials.

But many friends think that they can submit as much material as they need, and if it is not enough, they can just make up for it later. In fact, this is not the case. If the necessary materials are not properly prepared, you will not be able to submit a credit card application! Under normal circumstances, the necessary materials for applying for a credit card include: ID card, work certificate (choose one of three social security cards, work badges, and labor contracts), and income certificate (issued by the unit where you work, stamped with the official seal or financial seal).

If you are a private owner, you need to provide a copy of your business license. 2. The credit card approval limit is determined by the bank system. The credit card limit is determined by the bank's internal system.

The system will give an appropriate credit limit after comprehensively assessing the financial ability and credit status of the application. In addition, the bank has "rigid deduction" regulations for the credit card limit applied for. That is to say, assuming that the applicant's qualifications are only enough to be approved for a limit of 50,000, and he has applied for 3 credit cards with a total limit of 40,000, Then if you apply for a card again, the limit will generally not exceed 10,000 yuan.

If you want to get a credit card with a high limit as much as possible, you can ask the bank’s platinum card customers to make recommendations for you, or apply together with your colleagues for a "group application", which will improve both the success rate and the limit. There is some help. 3. Special card types are charged even if you don’t open the card. In most cases, there is no fee for credit card application.

However, for some special card types, such as DIY cards, platinum cards, etc., it is very likely that the annual fee or card production fee will be deducted even if the card is not opened.

4. Which China Construction Bank credit card is better?

The types of Dragon Cards that have been publicly issued include: Dragon Card Prestigious School Card, Dragon Card Business Card, Dragon Card Car Card, China Eastern Airlines Dragon Card, and Shanghai Volkswagen Dragon Card, Dragon Card Hong Kong Wonderful Travel Credit Card, CCB VISA Ming Card, eLong Changxing Dragon Card, Mango Travel Dragon Card, Dragon Card (Master Cup) Tennis Card.

Chinese citizens who are over 18 years old and have full capacity for civil conduct, foreigners with fixed occupations and residences in my country, and compatriots from Hong Kong, Macao and Taiwan can apply for China Construction Bank Credit Card. There is no specific requirement for which card is best to apply for. It mainly depends on which card best suits the card application needs of the cardholder.

If you are applying for a credit card only for overdraft consumption and do not need other ancillary functions, the China Construction Bank Dragon Card Standard Card is sufficient. If you need other ancillary functions, such as Mango Travel Card, you can enjoy discounts on Mango Online.

If you are a car owner and want to enjoy some value-added services related to your car, you can apply for a car card and so on. Various functions of CCB credit cards can be introduced on the CCB official website.

CCB’s annual fee policy is different for different cards. For standard cards, the first-year annual fee is waived, and the annual fee for the next year is waived if you swipe it three times. For other cards, the first-year annual fee is waived by swiping the card. There are also Some cards do not waive annual fees. There is zero risk in reporting the loss of China Construction Bank credit cards. If you lose your card, you can report the loss over the phone. Once the loss report is effective, our bank will provide security without taking any financial risks.

You can also apply for supplementary cards for your family members, which not only allows for flexible family financial management, but also meets the financial needs of your children. It is an ideal tool for the whole family to share a superior life.

5. What are the risks of investing in China Construction Bank’s credit cards?

Many people will take advantage of the interest-free period of China Construction Bank for investment and financial management to seek profit returns. However, they do not know that there are also various risks in credit card investments. .

The first is personal credit risk. Using a credit card to invest will use up almost the entire limit of the credit card on the starting date of accounting, and the funds will be used in the same place, and this will be done regularly every month. This kind of consumption behavior will be monitored by the bank.

At most, banks will identify this as malicious credit card cash-out, stop the user's credit card and issue a warning; at worst, they will use a method of gradually reducing the user's limit as a disguised "punishment", and will levy a levy on the central bank. Bad records are left in the letter center. May face legal risks.

If the investor cannot repay the credit card limit in full and on time, and is deemed to have "knowingly having no ability to repay and overdrafting a large amount of money that cannot be returned" or "wanted to squander the overdraft funds that cannot be returned" or "other illegal "Possessing funds and refusing to return them", the investor is suspected of a criminal offense and will be punished by law.

6. What materials are needed to apply for a CCB credit card?

To apply for a CCB credit card, you need to provide the following materials: Main card: 1. Valid identity document; 2. Proof of financial resources (such as: the last 3 Copies of monthly social insurance policies, provident fund payment records or personal income tax withholding certificates, etc.).

Attachment card: Valid identity document (Applicants under 16 years old for additional card must provide household registration book, etc.). Note: Identity proof for overseas persons (including compatriots from Hong Kong, Macao and Taiwan and foreigners): (1) Residents of Hong Kong and Macao must provide a Mainland Travel Permit to and from Hong Kong and Macao, an international credit card purchase form and a copy of the local ID card; (2) Taiwan Area residents must provide a five-year Mainland Travel Permit for Taiwan residents, an international credit card purchase form and a copy of their local ID card; (3) Foreigners must provide their passports.