Question 2: What is the difference between CCB settlement card and debit card (1) Brief introduction of settlement card:
1. The service mode of "one card with many households, one household with many cards". A settlement card corresponds to an associated account. When determining the main card, you can handle multiple daughter cards.
2. Realize real-time payment and inquiry of ATM and real-time transaction of POS.
3. Realize holiday payment: solve the problems of cash deposit and withdrawal, transfer payment and so on for corporate customers' holidays through self-service equipment.
4. Cash withdrawal without filling in the form: cash deposit and withdrawal business is handled at the counter through the settlement card, and the service without filling in the form is adopted. After the business is completed, the voucher is printed and signed by the manager to make it as convenient as possible for the customer.
Marketing objectives of settlement card:
1. Individual owner
Need to open a company settlement account, but hope to use the account as conveniently, quickly and through multiple channels as possible within the scope permitted by the account management measures; The characteristic of this kind of customer group is that in the process of using account funds, personal behavior and company behavior are very vague.
2. Large and medium-sized enterprise customers
Centralized and decentralized management of holiday cash deposits and withdrawals by using accounts nearby.
(2) Introducing debit cards:
1. Cash deposit and withdrawal. Debit cards have savings functions such as local and foreign currency, fixed term and current account. Debit cards can be deposited and withdrawn at debit card issuing bank outlets and self-service banks, and can also be withdrawn at ATMs in China and even around the world.
2. Transfer and remittance. Cardholders can transfer or remit money to other accounts through bank outlets, online banking, self-service banking and other channels.
3. Credit card consumption. Cardholders can use debit cards to spend money at merchants.
Collection and payment. Debit cards can be used to pay salaries and pay various fees (such as communication fees, water fees, electricity fees, gas fees, etc.). ).
4. Asset management. Wealth management products, open-end funds, insurance, personal foreign exchange transactions, precious metal transactions, etc. You can sign contracts, trade and settle accounts through debit cards.
5. Other services. Many bank debit card services have expanded beyond financial services, such as providing airport VIP access and medical and health services for cardholders.
Question 3: The difference between China Construction Bank's settlement card and savings card provides a comprehensive settlement service function of "practical, convenient, affordable, safe, convenient, considerate and proficient"-comprehensive settlement function.
Provide you with a variety of transfer and remittance methods, such as person-to-person transfer, person-to-person transfer, batch transfer, automatic reservation transfer, etc. , fully meet your fund settlement needs.
Provide convenient multi-channel services
Inquiries, transfers and other transactions can be handled through CCB outlets, online banking, mobile banking, telephone banking and self-service equipment, which is very convenient. Trading fund custody business can be applied in business outlets, online banking, mobile banking and other channels.
Affordable package service and grade discount
By signing the contract, you can choose more favorable package services such as "time+amount" or "time+transaction times" according to your needs, saving you every penny. Using online banking, mobile banking, telephone banking and self-service equipment to handle business will enjoy more benefits. If no package is set, the single settlement fee will be given corresponding discount according to the customer level.
Security-custody of transaction funds
Maximize credit constraints, control the credit risks of both parties to the transaction, standardize commodity trading and settlement procedures, and realize the liquidation of money and goods of both parties to the transaction.
Convenient-a more simplified settlement process
You can set your trading partner as an associated customer, and it is very convenient to transfer money through online banking without inputting information when dealing with transfer and remittance transactions with associated customers.
Considerate-emergency fund overdraft
According to your credit situation, we will provide you with emergency fund overdraft service, which can be recycled within the emergency quota.
Proficient-transaction information management
Realize rich information management functions such as basic information, associated account information, transaction details, quota level inquiry, package service, etc.
Clearing Pass is a special bank card specially designed for industrial and commercial customers. It not only has the basic functions of cash deposit and withdrawal, transfer, remittance and consumption, but also has powerful payment and settlement functions such as automatic deduction, package payment, batch transfer, associated account signing, payee payment and transaction fund custody. It is an ideal fund settlement system platform for industrial and commercial customers.
Applicable customers:
This product is suitable for customers and logistics enterprises with large settlement amount and frequent settlement, or both parties who are doing business for the first time or don't know much about it. Through the transaction fund custody function of the settlement card, business funds and goods can be cleared.
Product features:
Flexible payment, safe transaction, convenient operation and preferential charges.
Service price: annual fee of 20 yuan/piece. During the activity period (before the end of the year), the annual fee of settlement card 10 yuan/card will be added. During the activity, old customers who hold our debit card or settlement card can apply for a joint logistics settlement card, and the annual fee for the first year can be exempted.
Latest activities:
National remittance, two-way free (within the system and during the preferential period)
In order to give back to our customers, the Bank recently launched an unprecedented special clearing preferential activity:
During the activity period (before the end of the year), all eligible customers can sign a free experience package of 3,000 receipts and payments a year, enjoy the China Construction Bank card discount, and the national transfer and remittance fee is free. Combined with the payee's payment function, it can realize two-way free.
During the activity period (before the end of the year), settlement customers can receive "transaction fund custody business" for free;
Except for the first free experience package, customers who settle other new packages during the activity period (before the end of the year) can enjoy a 50% discount, and customers can also enjoy a 50% discount on the handling fee of "transaction fund custody business".
Please consult CCB 95533 for details.
Question 4: Is the settlement card of China Construction Bank a savings card? Yes, there are two kinds of debit cards in use at present. A debit card can not only transfer money between banks, but also have the functions of financial management and time deposit. Very impressive. The annual fee is only 10 yuan. The other is to pay by credit card. The annual fee of this card is 20 yuan, and there is only transfer function, so it is an early card.
Question 5: Whether CCB settlement card is a kind of card depends on your account in CCB. The specific differences between CCB settlement card and debit card are as follows. Credit cards and debit cards (savings cards) can be distinguished in appearance. The distinguishing method is as follows:
1. The cardholder's name pinyin and the validity period of the credit card are printed on the front of the credit card, but there is no cardholder's name pinyin on the front of the savings card, and most savings cards have no validity period on them;
2. Credit card numbers are embossed, while most savings cards are flat fonts;
3. Some dual-currency credit cards have the VISA or Master logo on the front, while savings cards don't;
4. Credit card signature columns are all 7 digits, but most savings cards don't;
5. There are laser anti-counterfeiting labels on the back of credit cards, but there are almost no savings cards;
6. Almost all credit cards have the words "cardholder's signature, which is invalid without signature" under the signature column, while all savings cards only have the words "cardholder's signature" on the right side of the signature column.
Question 6: What's the difference between CCB's settlement card and Dragon Cartoon (savings card)? Are there annual fees for both? There is an annual fee,
In addition to the functions of savings card (such as deposit and withdrawal, transfer), settlement card also includes some new service functions.
If the cross-regional transfer is free, it is also free for others to transfer it to you.
The annual fee is 20 if it is signed, and 10 if it is not signed, which means that the settlement card and savings card are the same if it is not signed.
Question 7: Is the settlement card a savings card? Hello, the settlement card of China Construction Bank is a quasi-credit card with no credit limit.
It can be used as an ordinary savings card.
Question 8: There is not much difference between a settlement card and a debit card. In addition to the functions of debit cards (such as deposit and withdrawal, transfer), settlement cards also include some new service functions, such as cross-regional transfer free of charge, transfer to you free of charge by others, and transfer business at the counter or ATM.
Question 9: What's the difference between CCB settlement card and savings card? Simply put, the settlement card is used for merchant settlement, which is convenient for merchants to collect money and remit money.
A savings card is a bank card for personal use. Its main function is personal savings and transfer.
Question 10: Is there a difference between the settlement card and the savings card of China Construction Bank? The settlement card is more affordable for customers who often remit money from different places, and there is also a handling fee package. However, there are generally less than 50 transactions a month, and there is no need to open a settlement card.