Gold card and Puka: the first year is unconditionally free, and the annual fee for the next year is exempted after three swipes;
Platinum card: swipe the card 18 times, free of the annual fee of the current year.
Credit card annual fee-free policy:
(1) China Construction Bank's credit cards (Puka, Gold Card) are spent three times a year (unlimited amount), and the annual fee for that year is exempted. If it fails to meet the requirements, the annual fee will be collected in the next card-holding year and will not be refunded after collection. (Unless otherwise agreed for special products)
(2) The annual consumption of CCB credit card (standard platinum card) is 18 times (unlimited amount), and the annual fee for that year is exempted. If the card does not meet the requirements, the annual fee will be collected in the next card-holding year and will not be refunded after collection. (Unless otherwise agreed for special products).
(3) The automobile card of China Construction Bank will be collected in advance every year and will not be returned after collection.
(4) 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.
(5) 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.
2. Online payment: Alipay: it can be used after online registration, with a single payment and a one-day limit of 500 yuan.
(1) installment business: supports 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.
(2) 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.
(3) If the repayment is not made in full, the interest-free period will not be enjoyed. 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.
(4) 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, it will charge a 5% late fee for the unpaid part of the minimum repayment amount.