1. CCB's annual fee-free credit card policy is as follows:
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.
Credit card comparison: the difference between CCB Longka discount card and joy card
More and more people use credit cards, and the types of credit cards in various banks are also very rich. As one of the four state-owned banks, China Construction Bank naturally pays more attention to its credit card products. Today, I would like to introduce the difference between CCB Dragon Card and joy Card. After comparing two credit cards, it is much easier to choose one.
Introduction of CCB Dragon Card and Happy Card products;
1, Longka exclusive card
It is a MasterCard brand chip magnetic stripe composite credit card issued by China Construction Bank for customers with consumption abroad needs. With the product highlights of "consumption abroad Cash Back 1%, with the highest cash back of 34%", combined with rich commercial interests, we will create a credit card that covers the needs of customers in consumption abroad.
This MasterCard identifies the credit card as a gold card.
2. Longka Happy Card
It is an exclusive credit card product issued by China Construction Bank for young customers under the age of 35, which can meet the diverse needs of young customers.
This credit card product includes UnionPay, MasterCard and VISA. UnionPay has two grades: standard platinum card and gold card (student version), while MasterCard and VISA only issue platinum cards.
Through the introduction of the above credit card products, the difference between CCB Dragon Card and joy Card is obvious, mainly in the following aspects:
1. Credit card limit: the limit of Longka Premium Card is lower than that of joy Card, except for the student version of joy Card, which may be as low as 0.
2. Credit card application conditions: Longka Premium Card belongs to MasterCard level, and customers with consumption abroad needs and corresponding economic ability and credit conditions can apply; However, the age limit for joy card applicants is under 35 years old, so applying for platinum card requires stronger financial strength. The student party can choose to run a student gold card.
3. Annual fee standard: gold card 160 yuan/year, supplementary card 80 yuan/year; Standard Platinum Card 580 yuan/Card, Supplementary Card 300 yuan/Card. Longka Premium Card and joy Card (including Golden Student Edition, MasterCard and VISA Standard Platinum Card) implement the annual fee-free policy within the validity period of the main supplementary card, while joy Card UnionPay Standard Platinum Card needs to spend 10 to reduce the annual fee.
In addition, CCB Longka Premium Card and joy Card are also different in credit card rights. Different card organizations and card grades have different rights and interests, but they are all equivalent, which is worth applying for by customers with different needs.
How about CCB joy Credit Card?
Good for young people. The biggest drawback of CCB joy credit card should be that it is only issued to young customers under 35. Therefore, CCB joy Credit Card can meet the diverse needs of young customers, but for customers over 35 years old, they simply cannot enjoy their rights and interests. This limits the scope of customers to some extent. Secondly, CCB joy credit card is often described as pseudo-platinum, because there is not much interest in the platinum card series of this card, let alone the high-end platinum card treatment.
In fact, this is because this credit card belongs to the "small platinum" series, and naturally it can't be compared with the real platinum card. All the rights and interests of CCB joy Credit Card come from UnionPay, VISA and MasterCard, but the real platinum card will provide various rights and interests in addition to the rights and interests of the card organization, which many CCB Platinum cards do not have.
：
One: CCB joy Credit Card is an exclusive credit card product launched by China Construction Bank for young customers. This card also issues three brands of platinum credit cards, namely UnionPay, VISA and MasterCard, and a student version (UnionPay brand gold card). Currently, the following permissions are available:
1. Repayment discount: CCB joy Credit Card provides cardholders with a minimum repayment interest rate of 5%, reducing the repayment pressure of young users.
2. Provide premium activities: new customers can enjoy the season card courtesy of Aiqi Gold members when they open their cards, and they can get the ultra-low price qualification to buy fashionable backpacks by swiping their cards for three times, and they can get 12000 points by borrowing cash in advance.
3. Exclusive courtesy of "hot purchase" merchants: Enjoy exclusive discounts for hot purchase merchants such as shopping centers, well-known department stores and restaurants all over the country.
4. Security guarantee: 3 yuan can enjoy instant messaging service every month, and both domestic and overseas fraudulent transactions can enjoy 50,000 yuan compensation guarantee. So this card is still worth doing.
Two: CCB Longka JOY Credit Card belongs to UnionPay Platinum Card, with the annual fee of 580 yuan/card for the main card and 300 yuan/card for the auxiliary card. In each card year, if the cumulative number of credit card spending and cash withdrawal reaches 65,438+00 (unlimited amount), the annual fee for that year will be exempted. If you want to open an instant messaging service, there will be a short message fee in 3 yuan every month.
Three: if the domestic and foreign stolen brush transactions meet the claim conditions within 48 hours (inclusive) before the loss is reported, you can enjoy the compensation guarantee of up to 50,000 yuan per year. As it is mainly for young customers, Longka JOY Card has introduced a minimum repayment ratio as low as 5%, and the minimum repayment amount is not less than 200 yuan RMB or US$ 50. If the accumulated outstanding transaction principal is less than 200 yuan RMB or US$ 50, the minimum repayment amount is equal to the accumulated outstanding transaction principal.
What are CCB Longka Happy Credit Cards?
CCB Dragon JOY Credit Card has UnionPay version, VISA version and MasterCard version.
1, UnionPay standard platinum card, can enjoy 1 yuan domestic airport parking service, including several airports such as Beijing, Guangzhou and Shenzhen, 2 hours 10 parking service, 3 times 1 yuan parking service, and 48 hours 1 yuan parking service.
2.VISA standard platinum card: study abroad training service discount, overseas self-help travel service, for example, enjoy the discount of 5 days 1 day for renting a car on the international car rental channel.
3. MasterCard standard platinum card, visa-free service fee for overseas travel, and global visa courtesy from 99 yuan. Haitao transshipment Sifang freight discount.
Extended data
The specific annual fee standard of Longka Happy Card is as follows:
(1) UnionPay Edition:
① Annual fee for standard platinum card is 580 yuan/card, and annual fee for supplementary card is 300 yuan/card. If the total amount of credit card spending and cash withdrawal per card year reaches 65,438+00 (unlimited amount), the annual fee for that year will be exempted.
② Annual fee of gold card (student version) 160 yuan/card. No supplementary cards will be issued, and the preferential policy of annual fee exemption will be implemented within the validity period.
(2) VISA version and MasterCard version, the annual fee of standard platinum card is 580 yuan/card, and the annual fee of supplementary card is 300 yuan/card, and the preferential policy of annual fee exemption for main and auxiliary cards within the validity period is implemented.
China Construction Bank official website-Longka Joy Credit Card
Is there an annual fee for not activating CCB joy card?
There is no annual fee for stopping using.
The Notice on Printing and Distributing the Measures for the Administration of Credit Card Business has corresponding provisions:
Article 74 When handling credit card business, banks charge annual fees, special unit fees, remote deposit and withdrawal fees, remote transfer fees, loss reporting fees, business card printing fees and other fees according to regulations.
The format, serial number, color and usage of the credit card business settlement voucher shall be uniformly stipulated by the head office of the People's Bank of China, and the head offices of the card-issuing banks shall be responsible for printing.
Extended data:
Notice on Issuing the Measures for the Administration of Credit Card Business Relevant laws:
Article 66 A card-issuing bank shall establish a credit card collection management system, standardize credit card collection strategies, authorities, processes and methods, and effectively control business risks. The issuing bank shall not adopt a single assessment method based on the amount of arrears recovered for the collection personnel.
The issuing bank shall promptly remind the cardholder of the overdraft amount due and the repayment date. Unless the cardholder provides false information or changes the contact information without notifying the issuing bank.
Article 68 The issuing bank shall collect money from the debtor himself and his guarantor, and shall not collect money from a third party unrelated to the debt, and shall not use improper means such as violence, coercion, intimidation or abuse to collect money.
Baidu Encyclopedia-Notice on Printing and Distributing the Measures for the Administration of Credit Card Business
This is the end of the introduction of the annual fee-free credit card of CCB joy and the credit card quota of CCB joy Student Edition. I wonder if you have found the information you need?