CCB's credit card is not the best. It is best to choose what suits you. There are many types of credit cards in CCB. You can choose according to your own needs and card habits, such as the following:
1, Longka enjoys a credit card, which is suitable for users with consumption abroad.
2, dragon truck card, suitable for car owners.
3. Longka Tuniu Travel Card is suitable for users who like to travel.
4, Vipshop Dragon Card, suitable for users who often shop online.
Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
main feature
① Credit card is one of the fastest-growing financial services, and it can replace the traditional cash circulation in a certain range;
② Credit cards have both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers;
Credit card is a high-tech product integrating financial business and computer technology.
Credit card can reduce the use of cash and currency;
⑤ Credit card can provide settlement service, which is convenient for shopping and consumption and enhances the sense of security;
⑥ Credit card can simplify the collection procedures and save social labor;
⑦ Credit cards can promote commodity sales and++social demand.
Financial management strategy
1, control the number of credit cards, enough is enough.
Once there are too many credit cards, it is easy to get the repayment date of this card wrong and forget the credit limit of that card, which is difficult to manage, and it is easy to cause overdue repayment and leave a bad record. Moreover, multi-card credit card points, too scattered points are not conducive to redemption of gifts. Therefore, it is suggested that only 1~2 credit card is enough.
2. Keep credit card vouchers
Most credit card holders don't care about these documents, and they won't keep them. Most of them are thrown away, which is a very bad habit. In fact, keeping good credit card vouchers is not only convenient for summarizing consumption records every month, and then analyzing and optimizing consumption habits, but also helpful for improving the rationality and transparency of credit card consumption, so as to clearly understand credit cards. Moreover, many people's credit cards do not have passwords, and discarding credit card vouchers at will may lead to the theft of credit cards.
For safety reasons, it is best to keep credit card vouchers after consumption, so that you can know fairly well and develop good credit card financial habits.
3. Reduce cash withdrawals
Credit cards have two functions: overdraft and cash withdrawal, but cash withdrawal requires a certain percentage of handling fees, and even if you deposit your own money, you have to charge. So it's not cost-effective to use+++and use it as a passbook.
Step 4 choose the right credit card
The choice of credit card is very important. Nowadays, many commercial organizations have bundled cooperative business with banks. For example, they can set up a joint credit card of a department store and the corresponding bank, and they can spend points here as members and get discounts. Or some cards can be discounted at designated merchants, including eating, watching movies, towing services, etc. , there are many names, and you can choose freely according to your own needs. Use your credit card well and choose it well.
5. within the maximum consumption limit of credit card, swipe your card as much as possible.
Every credit card has a limit. If you swipe your card within this maximum, you are safe. Then, within this controllable range, please swipe your card as much as possible. Because a credit card is equivalent to asking the bank to repay you in advance when you buy something, why not return it to the bank on time on the repayment date? On the one hand, it is more convenient for consumption, on the other hand, it can accumulate credit, and the bank can also charge the merchants a handling fee from the amount of your credit card, which can be described as a win-win situation.
6. Repayment will not be made until the repayment date.
Use the last repayment date to earn more interest. After all, the money is in your account, and the interest generated is also your own, so you should make full use of the opportunity of the money in your own hands and let it generate more money. In addition, if you can't repay on the repayment date for some special reasons, please call the bank's credit card customer service hotline to explain the situation and ask for an extension of repayment 1 to 2 days. Generally, this situation will be allowed.
Which card should I use for CCB credit card?
CCB's credit card is not the best. It is best to choose what suits you. There are many types of credit cards in CCB. You can choose according to your own needs and card habits, such as the following:
1, Longka enjoys a credit card, which is suitable for users with consumption abroad.
2, dragon truck card, suitable for car owners.
3. Longka Tuniu Travel Card is suitable for users who like to travel.
4, Vipshop Dragon Card, suitable for users who often shop online.
There are more types of credit cards. You can log in to CCB Credit Card official website () to check the application.
CCB Credit Card is a credit card issued by China Construction Bank. The credit cards issued by China Construction Bank are all named "Longka", including: Longka Famous School Card, Longka Business Card and Longka Automobile Card.
Annual fee-free policy: swipe your card for 3 times or 18 times (excluding special cards such as business cards and car cards) to avoid the annual fee for the following year.
Withdrawal fee: domestic: 5‰ of the transaction amount, with the lowest 2 yuan and the highest 50 yuan; Overseas: 3% of the transaction amount, with a minimum of $3.
Multi-account management: quota sharing, multiple CCB cards, one billing date and independent repayment.
Online payment: Alipay: it can be used after online registration, with a single payment and a one-day limit of 500 yuan.
Installment business: support interest-free installment for specific merchants (3, 6, 12). After a single consumption exceeds 1000 RMB, you can apply for installment by phone (3,6,0/2,0/8,24), and different handling fees will be generated for each installment according to the number of installments.
Billing date: There are multiple billing dates every month, and the cardholder can change it once a year within the validity period of the card.
Currency: RMB, RMB/USD, RMB/Euro.
Interest-free repayment period: Interest-free repayment period refers to the interest-free period of consumer transactions enjoyed by cardholders who repay in full on time. The interest-free period is from the bank bookkeeping date to the repayment date, with a minimum of 20 days and a maximum of 50 days. Overdraft cash withdrawal transactions do not enjoy interest-free repayment period.
Tip:
If you don't repay in full before maturity, you won't enjoy the interest-free period. The Construction Bank will charge interest at a daily interest rate of 0.5 ‰ and compound interest monthly. The interest-bearing date is from the date of consumption to the date of repayment, and the interest-bearing principal is calculated according to the actual amount payable.
If the repayment is not made before the due repayment date or the repayment amount is lower than the minimum repayment amount, CCB will charge interest as required, and at the same time charge a late fee of 5% of the minimum repayment amount.
What is the best credit card for China Construction Bank?
There are many types of CCB credit cards, and the following three are better:
1, CCB with Longka.
2. CCB Barbie Beautiful Credit Card.
3. CCB Longka Global Payment Credit Card.
Annual fee collection standard: main card 160 yuan/card, auxiliary card 80 yuan/card. If you swipe your card more than three times a year, you can waive the annual fee. The maximum extraction ratio is 30%, and the extraction fee is 0.5% of the extraction amount. The lowest in 2 yuan, with an interest-free period of 20-50 days.
The difference between credit cards of China Construction Bank: ordinary card, gold card and platinum card;
1, the annual fee is different.
Annual fee of CCB Credit Card Ordinary Card 80 yuan; Gold card annual fee 160 yuan; The annual fee of platinum card is about 400-3000 yuan.
2. Different quotas
The credit card of CCB is between 1000- 10000 yuan; The gold card amount is between 10000-50000 yuan; The amount of a platinum card is usually between 500,000 yuan and 6,543.8+0,000 yuan, and the authorized amount of a small platinum card may be between 20,000 yuan and 30,000 yuan.
3. Enjoy different rights and interests
Gold card of China Construction Bank can enjoy higher discount than Puka in preferential merchants. However, platinum cards can usually enjoy high-end services such as golf, SPA, physical therapy, airport transfer and VIP lounge provided by banks.
Basic functions:
1. Credit consumption: consumption before repayment, no need to deposit in advance.
2. One card and two currencies: it has a dual account of RMB and USD, which can be used at home and abroad. Domestic transactions are credited to RMB account, and overseas transactions are credited to USD account (single currency credit cards do not have this function).
3. Password optional: The function of "domestic consumption password optional" is the first in China, which can be flexibly selected according to personal card habits. (A small amount can be password-free, and a large amount can be password-free).
4. Easy repayment: monthly statement is provided, and the repayment methods are flexible and diverse: telephone purchase repayment, outlet repayment, ATM self-service repayment, CDM self-service repayment, agreed account repayment and online banking repayment.
5. Specially invited merchants: specially selected national merchants, with many preferential discounts.
6. Report the loss by telephone: If the card is lost, you can report the loss by telephone, and the bank will provide guarantee after the loss report takes effect, without any financial risk.
7. Disputed payment: If the customer disputes any consumption payment, it should be verified before payment.
8. Overseas rescue: If the card is lost overseas, emergency replacement card and emergency cash withdrawal service will be provided.
9. Free hotline service: set up a 24-hour service hotline.
10, if the consumption exceeds 1000 yuan, you can apply for interest-free installment payment, and only need to pay a small handling fee.
1 1, SMS reminder: free SMS reminder when spending money in 500 yuan.
12. If you spend one yuan, you will get points, which are permanent and valid, and the points will be doubled irregularly.
13, the annual fee is free in the first year, and the annual fee is free for swiping the card three times in the second year (except the car card).
14. Credit card points under the same customer name can be combined (except Volkswagen Card and China Eastern Airlines Card).
15, swipe your card at the designated ticket office to buy air tickets, and the gold card will send 1 10,000, and the Puka will send 500,000 aviation accident insurance. High security will be accompanied by warmth and pleasure all the way.
Note: Gold card and general card are basic cards, and there are many kinds of cards according to different cooperative businesses or institutions. Please call CCB customer service for details.
Compare which card of CCB credit card, just like comparison.
Card friends have been looking for CCB to apply for credit cards these days. I don't know which one is good. what can I do? Regarding which card is better for CCB credit card, I collected several popular cards today to compare them.
Which card is better for CCB credit card? Let's compare it below.
First, the most suitable credit card for overseas travel-CCB Companion Card
1, the annual fee for basic information of the card is 160 yuan, which is free in the first year, and free in the following year after swiping the card for three times; Every time you spend RMB 1 yuan 1 points, every time you spend USD 1 yuan 7 points, the points will be permanently valid; The maximum withdrawal ratio is 30%, and the withdrawal handling fee is the lowest domestic fee of 2 yuan; The interest-free period is 20-50 days.
2. Card Features China Construction Bank enjoys premium mileage redemption with Dragon Card, and the points accumulated by swiping Dragon Card can be automatically converted into Air China mileage at regular intervals every month according to the preferential premium ratio of Platinum Card 12 pairs of Gold Card 15 pairs 1;
China Construction Bank gave Yin Zhilong a high insurance, and used Yin Zhilong's card to purchase air tickets, he could get 5 million platinum cards and 1 10,000 gold cards for aviation accident insurance. Air China can get flight delay insurance and baggage delay insurance if the domestic flight is delayed for more than 4 hours, providing cardholders with complete travel protection.
Second, the most suitable credit card for eating, drinking and having fun-CCB Barbie Beauty Credit Card
Annual fee for basic information of 1. Card: Puka 80 yuan is a gold card every year 160 yuan, and the annual fee is free in the first year, and the annual fee is free in the following year after swiping the card three times; Every time you spend RMB 1 yuan 1 points, every time you spend USD 1 yuan 7 points, the points will be permanently valid; The maximum withdrawal ratio is 30%, and the withdrawal handling fee is the lowest domestic fee of 2 yuan; The interest-free period is 20-50 days.
2. Card Features Barbie Beautiful Credit Card of China Construction Bank enjoys double points on Saturday, and customers can get double points for fashion consumption (department store, beauty, catering, fitness and cinema consumption) every Saturday; China Construction Bank granted high insurance with Barbie America Credit Card, and used Barbie America Card to purchase air tickets in full, thus obtaining high aviation accident insurance (500,000 yuan for Puka, 0/10,000 yuan for Gold Card, 5 million yuan for Platinum Card).
Third, the most suitable credit card for overseas purchase-CCB Longka Global Payment Credit Card
1. Gold card with basic card information, main card 160 yuan/card, and auxiliary card 80 yuan/card. In each card-holding year, the annual fee for the current year will be exempted if there are more than 3 accumulated credit card purchases and cash withdrawals (unlimited times); Every time you spend RMB 1 yuan 1 points, every time you spend USD 1 yuan 7 points, the points will be permanently valid; The maximum withdrawal ratio is 30%, and the withdrawal handling fee is the lowest domestic fee of 2 yuan; The interest-free period is 20-50 days.
Today's comparison is here about which card is better for CCB credit card. In the credit card column, just click.
Convenient entrance
You can quickly apply for the CCB credit card!
Let's stop here in order to better introduce CCB's credit card.