Credit card reservation consumption means that customers can log in to online banking (registration version 6.7.0) and specify a single transfer operation on a certain day in the future, or agree on a certain time period in the future, daily, weekly or Transfers are processed regularly every month. The system will transfer the amount to the designated account on the date agreed by the customer, and send free SMS reminders of the transfer results.

1. Bank credit cards can handle pre-authorization business:

Special merchants obtain the cardholder’s 30-day payment commitment within a certain proportion of the pre-authorized amount from the card issuer, and then The cardholder conducts acceptance business with the card issuer after obtaining goods or receiving services. In layman's terms, it is a business that first freezes part of the bank card funds as a deposit, and then settles according to the actual consumption amount;

2. Bank credit card cash advance methods:

(1) ATM cash withdrawal (With card): Customers can withdraw local currency with the transaction password at an ATM machine with the UnionPay logo or the VISA/Plus or MasterCard/Cirrus logo displayed on your credit card at home or abroad.

(2) ATM cash withdrawal reservation: Customers can log in to the registered version of mobile banking, select the ATM cash withdrawal reservation function, enter the reservation cash withdrawal information to obtain the reservation number, and then select the mobile banking reservation cash withdrawal option on the China Construction Bank ATM machine. , by entering your mobile phone number, transaction password and reservation number, you can realize the cardless cash withdrawal function.

(3) Cash withdrawal at bank counters: In China, customers can withdraw RMB cash at the counters of various Bank of Communications outlets with their credit cards and transaction passwords. Overseas, customers can withdraw local currency or equivalent foreign currency at bank counters with VISA or MasterCard logos with valid identity documents and credit cards.

(4) Bank counter transfer: Customers can transfer the RMB funds in your credit card to other bank card accounts at the counters of various Bank of Communications outlets using their credit card and transaction password.

Bank credit card cash advance limit:

(1) When customers use credit card overdrafts to withdraw cash overseas, each card shall not exceed RMB 10,000 or its equivalent in foreign currency per day.

(2) When the customer has sufficient surplus deposits and uses a credit card to withdraw cash overseas:

(3) When the customer withdraws cash from an overseas automatic teller machine (ATM) from his RMB account, each card shall be The daily accumulated amount shall not exceed 20,000 RMB;

(4) When withdrawing cash from overseas China UnionPay networked automated teller machines (ATMs), the daily accumulated amount of each card shall not exceed 10,000 RMB or equivalent foreign currency;

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(5) At the same time, when withdrawing cash from overseas China UnionPay network automated teller machines (ATMs), the daily total cumulative amount of each card shall not exceed 20,000 yuan or equivalent foreign currency;

(6) When customers withdraw cash in local currency from their foreign currency accounts overseas, the daily accumulated cash withdrawal amount shall not exceed the equivalent of US$1,000, the monthly accumulated cash withdrawal shall not exceed the equivalent of US$5,000, and the accumulated cash withdrawal amount shall not exceed the equivalent of US$10,000 every six months.