What should I do if my China Construction Bank credit card is signed for by the Liyuan Road Delivery Branch?

Bring your ID card to the Liyuan Road Delivery Branch to pick up the China Construction Bank credit card for express delivery.

Bank credit card mailing process:

1. Submit the application information, and then the account manager will review it (forms, credit system inquiries, and whether the required documents are complete).

2. The account manager will then send it to the "Card Department of the City Branch" for further review and entry.

3. After everything is passed, it will be sent to the "XX Credit Card Center" for final approval and verification.

4. After everything is passed, the quota will be issued and the card will be printed. After success, send it by registered mail.

Extended information:

Features of China Construction Bank Credit Card:

1. No annual fee policy: Swipe the Gold Card 3 times to waive the annual fee for the following year (not Including business cards, car cards and other special cards)

2. Cash withdrawal fee: Domestic: 1‰ of the transaction amount, minimum 2 yuan, maximum 50 yuan; overseas: 3% of the transaction amount, minimum 3 Dollar.

3. The longest interest-free period: 50 days

4. Multiple account management: unlimited quotas, independent billing days, and independent repayments.

5. Online payment: Alipay: It can be used after online registration. The single and single-day limit is 5,000 yuan.

6. Installment business: interest-free installment is supported by specific merchants ( Issue 3, Issue 6, Issue 12, Issue 24). After a single purchase of more than 1,000 yuan, you can apply for installments (3, 6, or 12 installments) by phone. Each installment will incur different handling fees depending on the number of installments.

7. Billing date: 27th of every month, can be modified once a year.

My credit card was signed for by someone else. Will it be activated by others?

No, because others do not have your registered credit card mobile phone number and identity information. It is also recommended to appeal to the card-issuing bank and request a review of the card delivery method and problems.

CMB credit cards support cash advances through ATMs, bank counters, online banking and telephone. CCB credit cards have a cash withdrawal (withdrawal) function. You can withdraw RMB cash at our bank branch counters, ATMs or other domestic bank ATMs with the UnionPay logo; you can withdraw RMB cash at overseas ATMs and bank counters with visa, [plus], MasterCard, [cirrus], JCB or UnionPay. local currency.

.

1. As can be seen from the above, credit cards can be used to withdraw money from ATMs.

Handling fees: The handling fees for credit card cash withdrawals of large state-owned banks are lower than those of joint-stock banks. Among them, the ICBC and Bank of China Great Wall Tong series credit card withdrawals are free of handling fees; China Construction Bank is currently in the preferential period and only charges 0.5% for cash withdrawals; Agricultural Bank of China Among the four major state-owned banks, the fee is the highest, currently 1%.

2. Among joint-stock banks, Bank of Communications, China Merchants Bank, Bank of Beijing, and Huaxia Bank all charge a 1% cash handling fee. China Guangfa Bank and Ping An Bank are the most expensive among the top ten banks, both charging 2.5% cash handling fee.

3. In addition, there will be minimum charges among the 8 recharge banks. The minimum charges among the 8 recharge banks vary by 25 times. That is, if you only withdraw 100 yuan in cash, Agricultural Bank of China only charges 1 yuan, while Ping An The bank charges 25 yuan. According to the survey, the lowest handling fee is 1 yuan/transaction at Agricultural Bank of China, 2 yuan/transaction at China Construction Bank, 5 yuan/transaction at Hua Xia Bank, 10 yuan/transaction fee at China Guangfa Bank, Bank of Beijing, China Merchants Bank, and other banks. Ping An Bank is the most expensive at 25 yuan/transaction. . _

1. In fact, in addition to the cash withdrawal fee, cash withdrawn by credit card does not enjoy interest-free repayment and also requires interest. According to a survey by a reporter from Beijing Business Daily, the interest expense of 10 banks is 5/10000, but the interest calculation time is different. The customer service staff of Bank of Communications told reporters that interest will be charged from the second day of withdrawal until the date the debt is paid off. China Merchants Bank calculates interest on a daily basis from the transaction date to the settlement date and 1% on a monthly basis. Guangfa Bank's interest is also charged from the date of overdraft, with a minimum charge of 1 yuan per month.

2. Credit cards can withdraw a certain amount of cash. As long as you withdraw cash, you will be charged interest, and the interest rate is relatively high. So try not to use credit cards to withdraw cash.

Is it dangerous if the bank expresses the credit card you apply for and it is delivered to someone else?

There is no danger if the bank expresses the credit card you apply for and it is delivered to someone else.

Because the credit card needs to be activated by yourself, or you need to go to the business hall to activate it. If it is not activated, it will not be used regularly. In this case, as long as you have not activated it, even if you send it to someone else, Others can't use it, so don't worry too much. If you are really worried, just call the bank's customer service, then transfer to manual, then enter your personal information, and then report the loss directly, or log out directly. That's it. It's very convenient to cancel the Xingnong Card, or it's very easy. You can cancel it by just calling. You don't need to worry too much about this.

Credit cards, also called credit cards, are credit certificates issued by commercial banks or credit card companies to consumers with qualified credit. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

Credit cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on Relevant Credit Card Regulations") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, transfer settlement , deposit and withdraw cash, etc., an electronic payment card with all or part of the functions? On December 1, 2017, the "English Translation and Writing Standards in the Public Service Field" was officially implemented, stipulating that the standard English name of credit cards is CreditCard. Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate).

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the specified credit limit. The so-called credit card generally refers to a credit card only.

I applied for the credit card, but what should I do if the money is used by someone else?

I applied for the credit card, but if the money was used by others, I should do this:

First, reporting a crime is a procedure. If you don’t report a crime, then you have to Lose money yourself.

The second is to provide evidence to prove that the money was not spent by you. Bank credit cards have a credit investigation process and a mailing process. When mailing a registered letter, you must sign for it in person or have the mailroom sign for it on your behalf, but when you pick up the card You will definitely leave a signature. These are important evidences. Thirdly, if the card is collected by yourself and activated, and it is caused by the loss of the card, you are responsible for it. Fourthly, your credit will be included in the bank’s credit reporting system. You can ask for an investigation into the credit recording and card opening records. It is better for the police to intervene in the investigation. It is impossible for you to find the person yourself. If the police intervene, the bank will turn this part of the debt into a dispute and wait for the results of the police investigation. If Just as long as the judicial department investigates and proves that it was not your money.

Supplementary information:

1. A credit card is a financial instrument with an overdraft function that is guaranteed by personal credit. Even if the funds on the credit card are used by others, they are held in the name of the credit card. People are still responsible for the repayment, because when a credit card is issued, the credit card holder signs a "Credit Card Usage Contract" with the bank in his own name. This contract restricts and adjusts the credit fund repayment between the credit card holder and the bank. If you have a loan relationship, you must perform your repayment obligations as stipulated in the contract, otherwise it will constitute a breach of contract and there will be the risk of being accused and having a bad credit record.

2. Extended information

After your credit card is stolen, you should take the following measures:

1. Contact the bank to report the loss as soon as possible to avoid further expansion of the loss. Transfer the responsibility after reporting a loss to the bank.

2. Immediately call the police and obtain evidence of alibi and the "Report Record Sheet" to prepare evidence.

3. Contact a lawyer immediately to minimize possible risks. Don't worry that contacting a lawyer will take too much time. For a simple case, a lawyer can generally clarify the ins and outs within 5 minutes and give corresponding opinions.

4. Repay the loan according to the agreed time. Many people will think that the money is stolen and does not belong to their own consumption; or they will be dissatisfied with the bank's processing results and refuse to repay, which will expand their losses to a certain extent.

Even if the amount is stolen, before the case is solved or a new agreement is reached, the agreement you signed with the bank when you applied for the card still binds you, and you may need to pay interest or late fees on the stolen amount. .

This is the end of the introduction on what to do if your credit card is signed for by someone else and what to do if the credit card you just applied for is accepted by someone else. Have you found the information you need?