The specific steps to apply for the counter of CCB credit card outlets are as follows: go to the local CCB outlets to apply for a credit card and fill out the credit card application form. The contents of the application form generally include the name and basic information of the applicant, including economic status or income source. A guarantor is needed to apply for a credit card. Submit a copy of ID card and salary certificate to the staff of China Construction Bank. When submitting an application, submit the applicant's personal credit information to the staff. After completing the basic process of credit card processing, you can wait for the official notice from the bank. The common repayment methods of CCB credit cards are: 1. Repayment at the issuing bank. Specifically, it can be done through: issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. 2. Inter-bank transfer/remittance repayment. Specifically, it is divided into two repayment methods: inter-bank in the same city and inter-bank in different places; 3. Online repayment. Specifically, repayment can be completed through platforms such as UnionPay Online, Quick Money, Shengfutong and Alipay;
If you use a credit card to spend, you can generally control it unlimited every day within the limit; Generally, the advance cash of a credit card does not exceed 50% of the customer's credit limit (cash withdrawal, cash transfer and cash sharing in installments), and does not exceed the current available credit limit of the card. Overdraft cash withdrawal and cash transfer do not enjoy interest-free repayment period. The daily withdrawal limit of each card in the counter channel is 20,000 yuan, and the daily withdrawal limit of each card in the self-service equipment (such as ATM) channel is 654.38+00,000 yuan. The cash transfer limit of counters, intelligent teller machines (STM), automatic teller machines, mobile banking and personal online banking channels is 20,000 yuan per card day and 50,000 yuan per card month. The actual amount that can be processed will also be affected by the card amount and usage. If you need to withdraw or transfer money beyond the limit, please go to the counter of CCB outlets.
Precautions for credit card use:
1. Pay in full to avoid cyclic interest.
Although banks emphasize the interest-free period when promoting credit cards, most people are not very clear about the rules of interest-free period, thus spending a lot of money. For example, during the Spring Festival, Xiao Zhang bought a new mobile phone and swiped 4,000 yuan with a credit card. At the time of repayment, there was only 3999.7 yuan in the account. After the bank deducted money, Xiao Zhang still owed the bank 0.3 yuan. Maybe this is nothing in real life, but banks don't think so. Consumers have to pay interest if they fail to repay in full, and they do not enjoy the interest-free period (daily interest = the remaining unpaid amount of the day * interest rate). It is recommended that you pay in full when you repay, so as not to cause greater losses.
2. Temporarily increase the credit limit to avoid credit card overdraft.
In fact, every credit card has a hidden limit. When you swipe your credit card, it is easy to use the over-limit amount, and once you use the over-limit amount, it means paying a high over-limit fee. Many consumers have a bad grasp in the process of shopping, and credit cards are often maxed out.