Good for young people. The biggest drawback of CCB joy credit card should be that it is only issued to young customers under 35. Therefore, CCB joy Credit Card can meet the diverse needs of young customers, but for customers over 35 years old, they simply cannot enjoy their rights and interests. This limits the scope of customers to some extent. Secondly, CCB joy credit card is often described as pseudo-platinum, because there is not much interest in the platinum card series of this card, let alone the high-end platinum card treatment.
In fact, this is because this credit card belongs to the "small platinum" series, and naturally it can't be compared with the real platinum card. All the rights and interests of CCB joy Credit Card come from UnionPay, VISA and MasterCard, but the real platinum card will provide various rights and interests in addition to the rights and interests of the card organization, which many CCB Platinum cards do not have.
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One: CCB joy Credit Card is an exclusive credit card product launched by China Construction Bank for young customers. This card also issues three brands of platinum credit cards, namely UnionPay, VISA and MasterCard, and a student version (UnionPay brand gold card). Currently, the following permissions are available:
1. Repayment discount: CCB joy Credit Card provides cardholders with a minimum repayment interest rate of 5%, reducing the repayment pressure of young users.
2. Provide premium activities: new customers can enjoy the season card courtesy of Aiqi Gold members when they open their cards, and they can get the ultra-low price qualification to buy fashionable backpacks by swiping their cards for three times, and they can get 12000 points by borrowing cash in advance.
3. Exclusive courtesy of "hot purchase" merchants: Enjoy exclusive discounts for hot purchase merchants such as shopping centers, well-known department stores and restaurants all over the country.
4. Security guarantee: 3 yuan can enjoy instant messaging service every month, and both domestic and overseas fraudulent transactions can enjoy 50,000 yuan compensation guarantee. So this card is still worth doing.
Two: CCB Longka JOY Credit Card belongs to UnionPay Platinum Card, with the annual fee of 580 yuan/card for the main card and 300 yuan/card for the auxiliary card. In each card year, if the cumulative number of credit card spending and cash withdrawal reaches 65,438+00 (unlimited amount), the annual fee for that year will be exempted. If you want to open an instant messaging service, there will be a short message fee in 3 yuan every month.
Three: if the domestic and foreign stolen brush transactions meet the claim conditions within 48 hours (inclusive) before the loss is reported, you can enjoy the compensation guarantee of up to 50,000 yuan per year. As it is mainly for young customers, Longka JOY Card has introduced a minimum repayment ratio as low as 5%, and the minimum repayment amount is not less than 200 yuan RMB or US$ 50. If the accumulated outstanding transaction principal is less than 200 yuan RMB or US$ 50, the minimum repayment amount is equal to the accumulated outstanding transaction principal.
What is the best credit card for CCB's conscience card?
China Construction Bank, as one of the four state-owned banks, is relatively generous in credit card approval, and has introduced many card types that are close to the people. Judging from the development trend in recent years, CCB even has the momentum to surpass ICBC, which is known as the "largest bank in the universe". Then, as the most competitive bank in China market, what kind of credit card is the most suitable for CCB to apply for? Here are two.
Best application 1: longka JOY credit card.
Longka Joy Credit Card is an exclusive credit card product issued by China Construction Bank for young customers under the age of 35, which can meet the diverse needs of young customers. The application conditions are very simple, as long as you are 18 years old and can provide proof of work and return the student card for the student group.
The minimum repayment amount of this card for the first time is 5%, and the minimum repayment amount is not less than 200 yuan RMB or US$ 50, which effectively relieves the repayment pressure of young customers. Through the "hot purchase" logo on the back of the card, the cardholder can also enjoy the discounts of thousands of merchants in China, such as clothing, food, entertainment, transportation and shopping; 3 yuan can enjoy instant messaging service every month, and domestic and overseas stolen transactions can enjoy a maximum compensation of 50,000 yuan.
Best application 2: Crocodile Dragon Changxing Dragon Card.
This credit card signed jointly with E Long Travel Network not only has the credit card function of CCB Dragon Card, but also is a membership card of E Long. Therefore, when China Construction Bank examines the qualification of users to apply for a card, there are of course some factors that "look at the Buddha rather than the monk". Of course, if you can prove that you often travel or travel in the application materials, then the issuing bank is even more embarrassed to embarrass its "prospective customers".
Call the VIP hotline in E Long at 400-666-2222 to book international and domestic air tickets, nearly 7,000 hotels in nearly 400 cities in China and more than 80,000 star-rated hotels in overseas 100 countries and regions at preferential prices. Book the air ticket through E Long Travel Network, and pay in full with the alligator Changxing Dragon Card. The gold card will receive 1 10,000 yuan, and the Puka will receive 500,000 yuan of aviation accident insurance, as well as flight delay insurance. When booking for the first time, gold cardholders can get an extra 2000 E Long points and ordinary cardholders can get an extra 1000 E Long points.
Credit card comparison: the difference between CCB Longka discount card and joy card
More and more people use credit cards, and the types of credit cards in various banks are also very rich. As one of the four state-owned banks, China Construction Bank naturally pays more attention to its credit card products. Today, I would like to introduce the difference between CCB Dragon Card and joy Card. After comparing two credit cards, it is much easier to choose one.
Introduction of CCB Dragon Card and Happy Card products;
1, Longka exclusive card
It is a MasterCard brand chip magnetic stripe composite credit card issued by China Construction Bank for customers with consumption abroad needs. With the product highlights of "consumption abroad Cash Back 1%, with the highest cash back of 34%", combined with rich commercial interests, we will create a credit card that covers the needs of customers in consumption abroad.
This MasterCard identifies the credit card as a gold card.
2. Longka Happy Card
It is an exclusive credit card product issued by China Construction Bank for young customers under the age of 35, which can meet the diverse needs of young customers.
This credit card product includes UnionPay, MasterCard and VISA. UnionPay has two grades: standard platinum card and gold card (student version), while MasterCard and VISA only issue platinum cards.
Through the introduction of the above credit card products, the difference between CCB Dragon Card and joy Card is obvious, mainly in the following aspects:
1. Credit card limit: the limit of Longka Premium Card is lower than that of joy Card, except for the student version of joy Card, which may be as low as 0.
2. Credit card application conditions: Longka Premium Card belongs to MasterCard level, and customers with consumption abroad needs and corresponding economic ability and credit conditions can apply; However, the age limit for joy card applicants is under 35 years old, so applying for platinum card requires stronger financial strength. The student party can choose to run a student gold card.
3. Annual fee standard: gold card 160 yuan/year, supplementary card 80 yuan/year; Standard Platinum Card 580 yuan/Card, Supplementary Card 300 yuan/Card. Longka Premium Card and joy Card (including Golden Student Edition, MasterCard and VISA Standard Platinum Card) implement the annual fee-free policy within the validity period of the main supplementary card, while joy Card UnionPay Standard Platinum Card needs to spend 10 to reduce the annual fee.
In addition, CCB Longka Premium Card and joy Card are also different in credit card rights. Different card organizations and card grades have different rights and interests, but they are all equivalent, which is worth applying for by customers with different needs.
Comparing CCB Credit Card with JOY Credit Card and Tencent E Credit Card, which attracts you more?
The comparison of credit cards brought to you today is based on China Construction Bank and the two most popular models: Longka JOY Credit Card and Tencent E Longka. Mainly from the card application, the next batch of quota, annual fee standards, wonderful rights and points and other aspects of comparison, to see which of these two is more attractive to you.
1. CCB credit card comparison application.
Longka Joy Credit Card: It is an exclusive credit card product issued by China Construction Bank for young customers under the age of 35, which can meet the diverse needs of young customers.
Tencent e-Dragon Card: This card is divided into two types: real card (gold card and platinum card) and virtual card. The application conditions for the entity card are only 18 years old and no more than 65 years old, and citizens with stable income and good credit can apply; The application for virtual card is only for cardholders who have applied for CCB credit card. After the application is successful, the customer will receive a short message from the bank containing card information, such as validity period and security code.
2. CCB credit card comparison line
Longka JOY Credit Card and Tencent E Longka will have different credit card quotas according to the card level and the qualification of the applicant, and follow the credit card quota issuance standards of CCB:
1. The credit line of China Construction Bank Puka is generally between 3000- 10000 yuan.
2. The credit line of CCB Gold Card is within the range of 10000-50000 yuan.
3. The credit limit of CCB Platinum Card is generally more than 50,000 yuan.
The virtual card and the physical card share the line, and the credit line of the physical card is the maximum overdraft line of the virtual card.
3. CCB credit card comparison annual fee.
Longka Happy Credit Card:
(1) UnionPay Edition
1. Annual fee for standard platinum card is 580 yuan/card, and annual fee for supplementary card is 300 yuan/card. If the total number of credit card spending and cash withdrawal per card year reaches 10 (unlimited amount), the annual fee for that year will be exempted.
2. Gold card (student version) annual fee 160 yuan/card. No supplementary cards will be issued, and the preferential policy of annual fee exemption will be implemented within the validity period.
(2) VISA version and MasterCard version
Annual fee for standard platinum card is 580 yuan/card, and annual fee for supplementary card is 300 yuan/card. Implement the preferential policy of exempting the main and auxiliary cards from annual fees within the validity period.
Tencent e dragon card:
1, entity standard platinum card: 580 yuan/year, you can enjoy the treatment of CCB platinum card when you open the card.
2. Entity Card Gold Card: 160 yuan/year, you can enjoy the treatment of CCB Gold Card when you open the card.
3. Virtual card: 160 yuan/year, only open to users who already have CCB credit cards.
4. CCB credit card equity comparison
Longka JOY Credit Card: The minimum repayment amount of this card for the first time is 5%, and the minimum repayment amount is not less than 200 yuan RMB or US$ 50, which effectively relieves the repayment pressure of young customers. In addition, through the "hot purchase" logo on the back of the card, cardholders can enjoy the benefits of clothing, food, entertainment, transportation and purchase from thousands of merchants in China. 3 yuan can enjoy instant messaging service every month, and domestic and overseas stolen transactions can enjoy a maximum compensation of 50,000 yuan.
Tencent e-Dragon Card: This card is mainly issued for high-quality Internet customers. It has the following benefits: swipe your card to buy air tickets or pay travel expenses (including air tickets), you can enjoy the high aviation accident insurance protection of gold card, e-payment card of 6.5438+0 million yuan and standard platinum card of 5 million yuan; Enjoy travel insurance such as global flight delay insurance (paying 200 yuan for every 4 hours delay, with a maximum payment of 2,000 yuan per card per year) and baggage delay insurance (paying for every 4 hours delay 100 yuan, with a maximum payment of 1000 yuan per card per year); 48 hours before the loss is reported, you can enjoy the overseas card loss protection service (up to 20,000 yuan for standard platinum cards, up to 1 10,000 yuan for gold cards and electronic payment cards).
Five, CCB credit card comparison points.
Longka Happy Credit Card:
Cardholders make a domestic overdraft cash withdrawal transaction or transfer any amount of cash in the current month through CCB counters, ATMs and other channels every natural month, that is, 2000 people will be given comprehensive points in the next month. Each customer can get up to 2000 points per month.
Tencent e dragon card:
1. Cardholders can effectively spend money at any merchants in Tencent Caibei Alliance, and they will receive additional Caibei points rewarded by merchants in addition to Tencent E Dragon Card points.
The above is the comparison between CCB Longka JOY Credit Card and Tencent E Longka. Are you excited about so many wonderful rights? Which one moves you more, you can choose to apply for one, which is safe and convenient and specially set for you.
Which is better, Jianxin Life Card or Happy Card?
Answer: Personally, I think the life card is more economical and practical. 1. CCB Life Card needs to be combined with CCB Life APP. It's a good choice to order this card often, and you'll also get a lot of take-away coupons.
(1) Open a card and send a reduction coupon to 20 yuan;
② Send six 15 yuan take-away coupons after the consumption reaches the standard;
(3) If the accumulated consumption reaches 1 1,000 yuan and returns to 50 yuan, the highest consumption in the whole year is 1 2,50 = 600 yuan;
④ In CCB Life APP, if you choose to pay with CCB Life Card, you can get double points, 20,000 yuan per month.
2. Longka Happy Card is an exclusive credit card product issued by China Construction Bank for young customers under the age of 35, which can meet the diverse needs of young customers.
This credit card product includes UnionPay, MasterCard and VISA. UnionPay has two grades: standard platinum card and gold card (student version), while MasterCard and visa only issue platinum cards.
So much for the introduction of Longka joy Credit Card.