Whether it is necessary to apply for a CCB Life Card depends on the consumer's own situation. For people who do not have money freedom and pressure, there is no need to apply for a CCB Life Card, but for people who are short of funds and have loan pressure. Generally speaking, it is necessary to apply for the CCB Life Card, because this is a credit card without a physical card, and the limit can be transferred soon after application.
1. Is CCB Life Card a credit card?
CCB Life Card is a digital credit card product launched by China Construction Bank. It does not have a physical card and is a virtual credit card product. It can meet the needs of users in consumption scenarios to "apply immediately, do it immediately, use it immediately, and enjoy it immediately". Although it is a virtual digital credit card product, it can be directly bound to the CCB Life APP to complete online payment.
2. Application process for China Construction Bank Life Card
China Construction Bank’s Life Card charges an annual fee. As one of the five largest state-owned banks in China, China Construction Bank has depositors all over the country. The CCB Life Card charges an annual fee of RMB 10 per year. If the account balance in the card is less than RMB 300, a management fee of RMB 3 will be charged every quarter. When the account balance is zero and there is no transaction record for three consecutive years, it will automatically be converted into a "sleep account". If there is no transaction for four consecutive years, the position will be automatically closed. Life card account opening process: I go to any branch of China Construction Bank with my ID card and a small amount of cash; line up to get the number, fill out the application form, and copy my ID card; go to the counter, hand the completed application form and ID card to the bank counter staff, and use my life card Open an account and remember the six-digit withdrawal password you entered when opening an account. If you need to open online banking, you need to remind the bank counter staff to do it. After opening an account, bind it under the guidance of the counter staff. After binding, you can leave.
It can be seen from the above that you can still apply for a life card of China Construction Bank when needed. However, after using a life card of China Construction Bank, you must remember to pay back the money in time to avoid affecting your personal credit. When doing so, follow the instructions of the bank counter staff for binding.