What type of credit card is CCB’s most popular credit card? Is it easy to apply?

The hot purchase credit card is a standard IC credit card, and there are two types: gold card and platinum card.

Now CCB has issued hot purchase cards in many areas. The biggest feature of this card is that there are many local preferential activities.

In fact, whether it is easy to apply does not depend on the card type. The key is to determine based on your personal credit situation.

If your credit situation meets the gold card standards, you can apply for a gold card no matter which card type you choose. On the contrary, if you do not meet the application conditions, you cannot apply for a gold card of any card type. If possible, you can go to the branch to apply and provide some proof of financial resources, such as real estate, cars, time deposit certificates from China Construction Bank, etc. Sufficient information will be helpful for card review.

For platinum cards, the application requirements are high and difficult to apply for. If you are applying for a card for the first time, you can try applying for a gold card first. The basic conditions for applying for a CCB credit card are: be between 18 and 70 years old and have full capacity for civil conduct; have a stable career and income, be able to repay principal and interest on time, and have good credit. This requirement is not high. If you work in a formal unit, your unit pays five social insurances and one housing fund continuously, and your personal credit record is good, it is possible to get a credit card.

If it meets the requirements, you can go to a China Construction Bank branch to apply for the card. If you have assets in your name, it is recommended to provide relevant certificates, such as real estate certificates, car driving licenses, large time deposits, etc. These will be helpful for the review of the card application. Any amount helps. You can also apply on the CCB credit card homepage, but you cannot provide proof of financial resources when applying on the official website.

What are the uses of China Construction Bank Hot Purchase Card?

CCB Long Card Hot Purchase Card is a cross-business district, comprehensive, and platform-based co-branded credit card created by CCB. It not only has the basic functions and rights of CCB’s standard IC credit card, but also integrates “food, housing, and transportation” , travel, shopping, entertainment" and other major areas of business district exclusive rights and interests. For detailed information, you can log in to the credit card homepage of CCB’s official website, select the branch where the customer is located, and find the branch’s featured popular cards through “Credit Card Products—Card Type—Entertainment and Shopping”. In addition, CCB issues a global popular credit card, which is applicable to various overseas machines and equipment. Global transactions are recorded in RMB and currency exchange fees are waived! There are also multiple discounts including free global WIFI for ten days and up to 8 cashback rewards for overseas offline consumption! You can follow the "China Construction Bank Customer Service" WeChat official account for more detailed information. (In case of business changes, please refer to the actual situation.)

Advantages and Disadvantages of CCB Global Hot Purchase Card

CCB Global Hot Purchase Credit Card VISA Single Logo Credit Card is a standard platinum level card, so The limit is generally above 30,000 yuan, and the maximum limit will not exceed 200,000 yuan, but the specific limit depends on your personal application qualifications and the bank’s final review.

The advantages of this card are as follows:

No foreign exchange handling fees: All transactions are automatically purchased and converted into RMB and credited to the account. Foreign exchange handling fees are waived. Cardholders only need to repay in RMB according to the bill.

Travel discounts: You can enjoy a full range of overseas travel services such as air tickets, hotels, visas, WIFI, car rentals, etc., as well as well-known department stores covering popular tourist destinations such as Hong Kong, Macao and Taiwan, Japan, South Korea, Southeast Asia, the United States, and Europe. , brand stores and duty-free shopping discount services.

Cashback discount: Cardholders can also participate in China Construction Bank's rich "Play the World and Hot Buy Global" series of activities. Overseas offline merchants can enjoy up to 18 cashback, and overseas shopping can enjoy up to 18. 10 cash back.

Disadvantages:

But for domestic users, because the domestic UnionPay channel is very mature and popular, and the VISA channel generally supported by hot purchase cards is only opened in a small number of merchants, using The scene is very restricted.

Extended information:

Special features of CCB’s global popular cards:

Chip transactions are safe and convenient. It uses contact and contactless dual-interface chips and adopts the composite card form of "chip magnetic stripe" to provide cardholders with a safer and richer payment experience.

No currency conversion fees for global payments.

All transactions (including card consumption, online consumption, withdrawals, etc.) can automatically purchase foreign exchange, and currency exchange fees are waived. Cardholders only need to repay the outstanding balance in RMB according to the bill, making repayment more convenient.

Longka is safe to use. The exclusive value-added service "Dragon Card Safe Use" guarantees safe card use, real-time text message reminders for transactions, 48-hour fraud protection, and a fraud compensation of up to 50,000 yuan throughout the year, with only 3 yuan per month, strengthening the security of card use.

Multiple travel protection

Aviation accident insurance: Cardholders use the card to purchase air tickets or pay travel expenses (including air tickets). Standard Platinum card holders can enjoy RMB 5 million aviation accident insurance , Gold card holders can enjoy RMB 1 million aviation accident insurance.

Flight and baggage delay insurance: Cardholders who purchase air tickets or pay travel expenses (including air tickets) by swiping their card, and their flight is delayed for more than 4 hours, can obtain flight and baggage delay insurance of up to RMB 3,000.

Overseas card loss protection: If card holders report card loss overseas 48 hours before the card is lost, standard platinum card holders can enjoy 20,000 yuan in lost card protection services, and gold card holders can enjoy 10,000 yuan. RMB lost card protection service.