Brand model: iPhone 13

System version: iOS 15.3. 1

Application version: v5.6.7.00 1

First, directly find an ATM with or without card withdrawal function, choose to withdraw money without card, and input the card number, password and withdrawal amount of the bank card to withdraw money directly;

2. Download the mobile banking of China Construction Bank and handle "special withdrawal". After successful processing, the special withdrawal ID will be sent to the mobile phone number of the transaction notice by SMS, and then you can use the special withdrawal ID and password to build the independent ATM machine.

3. Select the button of mobile phone payment and withdrawal through the "Dragon Payment and Withdrawal" on CCB ATM, and then withdraw money after CCB's mobile phone payment approaches ATM. This withdrawal method requires a mobile phone.

Fourth, you can exchange cash for others through mobile banking transfer to complete the withdrawal operation.

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.

Knowledge:

Free annual fee policy: Free annual fee for the following year if you swipe your card for 3 times or 18 times (excluding special cards such as business cards and car cards);

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 on the same billing date, independent repayment;

Online payment: Alipay: it can be used after online registration, with a single and single-day limit of 500 yuan;

Installment business: support interest-free installment for specific merchants (3, 6, 12). After a single consumption exceeds 1000 yuan, you can apply for installment by phone (3, 6, 12, 18, 24), and different handling fees will be generated according to the number of installments.

Billing day: there are multiple billing days 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:

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.

The calculation example shows that:

Suppose your bookkeeping date is 17 of a month, and the due repayment date (for example, the 30th of a month) is 17 of the next month (if the month is 3 1 day, it is 16 of the next month, and the year and month are calculated accordingly).

If you spend 65,438+00000 yuan in April, 65,438+05, and this consumption is credited to your account on the same day, the bank bookkeeping date is April, 65,438+05, because your bookkeeping date is April, 65,438+07, and the due repayment date is May 7, 20 days after the bookkeeping date, and the longest interest-free period of this consumption is 23 days.

If you spend 65,438+00,000 yuan in April, 65,438+08, the consumption amount will be credited to your account on the same day, and the bank bookkeeping date will be April, 65,438+08. As the consumption amount should be paid at sunrise on May 65, 438+07, there are 50 days before the due repayment date on June 6, and the longest interest-free period for this consumption is 50 days.

During the cycle turnover:

Revolving credit generally means that the credit limit of a credit card can be recycled. As long as the customer can repay the amount in time after each use (including the minimum repayment method), it can be reused without applying before each use. Revolving credit is the inherent attribute and main function of credit card, which brings convenience to cardholders.

Interest calculation of revolving credit:

The consumption amount of the last statement is the interest-bearing principal, and the interest-bearing days are from the account bookkeeping date to the account repayment date; The interest rate of revolving credit shall be uniformly stipulated by the People's Bank of China, and the daily interest rate shall be 0.5 ‰, with monthly compound interest. The interest on the revolving loan will be stated in the next bill.

The calculation example shows that:

Suppose your bookkeeping date is the 7th of each month and the due repayment date is the 27th of each month. If you spent 10000 yuan on March 20, and this amount was credited to your credit card account on March 23 (that is, the billing date), then on April 7, your statement will list: the total repayment amount in this period is 10000 yuan, and the minimum repayment amount is 1000 yuan. If no other transactions were recorded between April 8 and May 7, you paid the minimum repayment amount of 1 000 yuan on April 27, and the bill on May 7 will include the unpaid part of the consumption amount of 9000 yuan and interest of 225 yuan.