How to replace the China Construction Bank credit card when it expires

How to replace the China Construction Bank credit card when it expires:

The validity period of credit cards is generally 3 to 5 years. China Construction Bank The credit card has an expiration date marked on it and will become invalid upon expiration.

After the credit card expires, if the cardholder meets the conditions for using the card, the bank will actively replace the card and mail the new card to your billing address. After you receive it, you can activate it and use the new card. At the same time, the old card is invalid. Please cut off the old card and destroy it as soon as possible.

If the cardholder does not receive a new card after the card expires, please call the credit card service hotline to inquire. If your card is about to expire within 3 months and you need to change the card in advance due to special reasons such as going abroad, please call the credit card service hotline to apply. The bank will handle the card replacement in advance for your convenience.

China Construction Bank provides credit loans, resident savings deposits, foreign exchange business, credit card business, as well as policy housing reform finance and personal housing mortgage loans.

Personal housing loan business

Personal housing loan business refers to loans issued by China Construction Bank or China Construction Bank upon entrustment to natural persons who purchase, build, and overhaul various types of houses in cities and towns.

China Construction Bank’s personal housing loan business mainly includes self-operated personal housing loans, that is, personal housing mortgage loans (including personal first-hand housing loans, personal re-trade loans, housing loans, that is, second-hand housing loans, personal commercial housing loans, Personal housing mortgage loans, etc.), provident fund personal housing loans and personal housing portfolio loans.

Credit Card Business

As one of the earliest state-owned banks in China to issue credit cards, China Construction Bank already has many credit card types.

CCB Credit Card

The credit cards that China Construction Bank has issued are all named "Dragon Card". 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, 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 (Cup) Tennis Card.

Silver Star International Money Transfer

CCB Silver Star International Money Transfer Service is a personal international money transfer business jointly launched by China Construction Bank and Silver Star International Money Transfer Company. The customer entrusts Silver Star Express Company to handle personal overseas foreign exchange remittances or small-amount international remittances to remit personal foreign exchange funds overseas.

How to query the account opening bank of CCB:

1. Go through the CCB official website - click "Online Customer Service" on the homepage of the CCB official website to enter the online customer service dialogue interface.

2. Send KHCX# bank card to 95533 via text message.

3. Dial 95533 CCB customer service and follow the prompt tone to inquire. There are two ways, one is manual and the other is automatic machine. Choice 0 is manual service. Just state what you want to query.

4. Bring your bank card and ID card to the counter of the CCB business hall for enquiry.

Bank cards refer to credit payment instruments issued to the public by approved commercial banks (including postal financial institutions) with all or part of the functions of consumer credit, transfer settlement, cash deposits and withdrawals, etc. Bank cards reduce the circulation of cash and checks, allowing banking business to break through the limitations of time and space and undergo fundamental changes.

How to replace the CCB Long Card credit card with a new one when it expires?

China Construction Bank will replace the cardholder with a chip card and waive the card replacement fee.

After the original magnetic stripe credit card held by the cardholder is replaced by a chip card, the cardholder will still enjoy the same functions and benefits as the original magnetic stripe card.

The way cardholders use long-term cards will change from the original "swipe card" payment method to the "insert card" payment method. It also has contactless payment and electronic cash functions, providing cardholders with more convenience Fast payment experience.

Extended information:

If the cardholder wants to continue to use the credit card, usually the bank will contact the cardholder whose credit card is about to expire in advance to replace it with a new card.

1. Check the validity of the credit card

The validity period of the credit card is the following four digits on the front of the credit card, in the format of month/year. For example, if the four-digit number below is 08/22, it means that the credit card will expire on August 31, 2022, and the credit card is valid for 5 years, 6 years, 8 years, etc.

2. After the credit card expires, you can choose not to change it. Do you need to cancel?

Although the credit card has expired, it can no longer be used. It is recommended to call customer service to cancel the account with the password card. 45 Days later, the card (account) will be officially canceled to avoid other unforeseen problems.

3. It will not change after changing the card.

It will not change. The new one will be changed after the credit card is reported lost and replaced. The new one will be the same as the previous one after the card is changed and re-created. same.

4. After changing the card, the transaction password remains unchanged

After the credit card expires and is renewed, the old card can still be used. The old card will expire after the credit card expires or the new card is activated. The validity period of the new card CVV2 will be changed, the transaction password and query password will be the same as the old card, and the points, quota and other information will be the same.

5. After the update, the new card needs to be reactivated

You can activate it through SMS as needed.

China Construction Bank - Announcement on the replacement of chip cards after the expiration of the UnionPay Logo Dragon Card credit card

Ifeng.com - When the credit card expires, what should I pay attention to when replacing it with a new card?

How to change the card type of China Construction Bank Credit Card?

You cannot change the card type for CCB credit card. If you want to change the card type, you can cancel and reapply.

CCB’s popular card types: Longka Yaohong Card, Longka Global Payment Credit Card, UnionPay Platinum Card (can be raised on a curve) Card approval limit: 5000-50000 Interest-free period: 20-50 days Cash withdrawal limit: 50% of the credit limit Minimum repayment amount: 10% of the consumption amount plus other payables Points rules: 1 point for 1 yuan, 7 points for 1 US dollar Validity period: 5 years Application conditions:

Full of age 18 to 70 years old and have full capacity for civil conduct 2. Have a stable career and income, be able to repay principal and interest on time, and have good credit. Both card types have good card acceptance rates. The first choice is the Dragon Card Yaohong Card. If you have a card or those with better qualifications can choose the Global Payment UnionPay Platinum Card. If you are a new user, it is best to check your pre-approval limit with China Construction Bank. If there is one, it is better.

The optimal application order for credit cards is based on the fourteenth line. The first application is to establish diplomatic relations with China, agriculture and industry, the second application is to promote public recruitment, and the third application is to Xinping Guanghua. Based on the twenty-line standard, the first applicant to apply for the China Agricultural and Industrial Diplomatic Relations (Special note: the Industrial and Construction China Agricultural Diplomatic Relations is also acceptable. For novices with average qualifications, those in these five industries can first choose the ones to apply for, such as the first application for the Bank of Communications) Try Qilin, with this white Qilin as the base, platinum cards from other banks are slightly easier to buy); the second application is Xingmin Guangzhao; the third application is Xinpingguang Huabei; the fourth application is postal remittance rubbish.

China Construction Bank Exclusive Platinum Card

Annual fee: The annual fee of 1,800 in the first year before December 31, 2021 can be redeemed with 400,000 points, and 400,000 points can also be used in the following year. Recommended reasons for redemption:

1. The limit starts from 80,000, guaranteed, and it will not be a meal card. The disadvantage is also that it will be more difficult to apply for a card (generally, the average monthly requirement is 800,000) or if the maintenance limit of other cards under the first card reaches more than 80,000, then applying for a second card can be approved instantly.

2. Domestic unlimited visits to CCB’s self-operated VIP rooms + 5 times global PP card + 2 times redemption for hotel accommodation starting from 200 yuan + 3 times airport transfers + 6 times driver service + 6 times expert outpatient visits at tertiary hospitals Make an appointment for full consultation service (April 1, 2021 - March 31, 2022);

3. You can apply for a supplementary card for free before the end of 2021. In addition to no hotel rights, you will have other rights. .

4. Double points offline, coupled with card activities such as multiple points paid by Changyoulong, 0.5% cash back, etc., it is very easy to reach 400,000 points.

That’s it for the introduction to CCB credit card replacement.