Longka Consumer Poverty Alleviation Love Credit Card is a credit card specially launched by China Construction Bank for caring people. In addition to using this credit card to carry out charity activities more conveniently, every time the cardholder makes a valid purchase, China Construction Bank will donate 50,000% of the consumption amount to contribute to Beijing's consumer poverty alleviation.

Although using a poverty alleviation charity credit card allows cardholders to show their love, cardholders should still avoid the following behaviors when using credit cards:

(1) Excessive overdraft. When cardholders use credit cards for consumption, they should consume moderately according to their financial situation, and the consumption amount should not exceed their repayment ability. In the absence of large purchases, cardholders' monthly credit card repayments should not exceed half of their monthly income.

(2) Use credit card to cash out. Cashing out on a credit card is a serious illegal act. Once a cardholder is discovered by the bank to cash out using his or her card, his or her credit rating will be seriously affected, and the credit card limit will be reduced or even blocked. If the cardholder causes very serious losses, he or she may be sued by the bank.

(3) Overdue repayment. If there is an overdue repayment when repaying a credit card, the cardholder will not only have to pay high penalty interest and late fees, but it will also affect his or her personal credit score and affect future financial activities.