How to use the credit card of China Construction Bank

HP Star 14 and Baidu Browser 12.28

1. Merchants swipe their cards.

2. Consumption by stages.

3. withdraw cash.

The credit card of CCB can be used after activation. There are several ways to activate it:

1. Online banking activation: the cardholder can directly log in to the online banking of CCB and select the credit card activation menu to open the card and set the password.

2. activation of outlets: cardholders bring valid identity documents and credit cards to the counters of any outlets of CCB for card opening and password setting.

3. customer service hotline: the cardholder calls the customer service hotline of CCB with the mobile phone number reserved by the bank, and selects the menu of "card opening and password service" according to the prompt to activate.

4. We must understand three days: trading day, bank bookkeeping day and billing day.

1. How to calculate the trading day of the interest-free period:

1. The trading date of the cardholder's actual card consumption, cash withdrawal and repayment.

2. Bank bookkeeping date: the date when the card-issuing bank credited the transaction money or fees to the cardholder's account. Due to data transmission through other banks' merchants or UnionPay, the trading day may be inconsistent with the billing date, and the billing date may lag behind.

3. billing date: the date when the bank makes monthly settlement and interest calculation on the cardholder's transaction principal and expenses during the billing period. There is only one billing date for each corpse.

4. due repayment date: the last date and date when the cardholder should repay all the payable amount or the minimum repayment amount stipulated by the issuing bank, which is the 2th day after the billing date.

5. Interest-free repayment period: for consumer transactions, interest-free treatment is provided to cardholders who repay in full on schedule. The interest-free period is from the transaction date of credit card consumption to the repayment date, with a maximum of 5 days and a minimum of 2 days. 6. Suppose: 7 is the billing date, 8/7 is RMB 2,, the bill is issued on the same day, and 8/27 is the due repayment date, so you can enjoy a 2-day interest-free period, 8/8 is RMB 2,, 9/7 is the due repayment date, so you can enjoy a 5-day interest-free period.

second, what is a credit card?

A credit card is a card that can be overdrawn. In fact, it has no advantages or disadvantages. It mainly depends on whether it is used well. If it is good, it can accumulate credit, which will be good for loans in the future. You can take part in preferential activities and get some real discounts. If it is not good, the bank will impose a penalty interest, which will affect the credit.

guide to the use of CCB credit cards

Many CCB credit card users are not clear about some matters concerning the use of credit cards. Here, we will introduce the repayment period of CCB credit cards, how to transfer money, what billing channels are available and the online payment process of CCB credit cards.

credit card repayment period of CCB

how long is the credit card repayment period of CCB? I don't know enough about the use of the card, which causes some of them to gradually become card slaves. If the repayment period is calculated in advance and repaid in time, I can get rid of the card slaves and use the card healthily.

The 5-day repayment period of CCB's credit card refers to the day after the bill date, which can have the longest repayment date of 5 days. The principle of repayment is that 2 days after the bill date is the final repayment date.

If your billing date is July 25th, and if you spend money on July 26th, then the transaction can be billed on August 25th, plus 2 days for repayment on September 14th. In this example, there will be 5 days for repayment from July 26th to September 14th.

how to transfer money with CCB credit card

how to transfer money with CCB credit card? What are the credit card transfer steps of CCB? Credit card can transfer money, but there is a limit on the amount, and the handling fee is not low. If you really need to transfer money, you can open online banking for your credit card. Let's introduce it in detail for your card friends.

online registration can only be processed after you have opened the card and set the password of consumption _ cash withdrawal. The specific steps are as follows:

1. Log on to the website of China Construction Bank.

2. click the "online banking" service.

3. Click to open the online banking service.

4. confirm the customer service agreement.

5. Enter personal data as prompted, where the account number is your credit card, the account password is your credit card consumption _ cash withdrawal password, and the additional code is entered as shown in the box on the right.

after successful registration, you can log in to the credit card online bank with your ID number, login password entered during registration and the additional code prompted, and then you can realize credit card transfer.

credit card bill installment channels of CCB

What are the credit card bill installment channels of CCB? For example, SMS application, online application, mobile banking application and so on can all be realized. In the past, cardholders may need to go to the counter to go through the formalities, but now there are many channels, which naturally facilitates many users.

1. wechat application

pay attention to the public account of CCB e-banking, bind the credit card, and click Credit Card-Bill Installment-Click here to apply for installment.

2. SMS application

Edit the SMS "CCZZ# Last 4 digits # Amount # Period" with the mobile phone number reserved in our bank and send it to 95533.

3. Mobile Banking Application

Enter "China Construction Bank Mobile Banking" and click "Credit Card"-"Bill Installment Application" in turn.

4. Online application

For personal online banking users, please click Apply for bill installment, and select "Credit Card Inquiry-Select-Inquire about issued bill-Apply for bill installment".

for registered users of credit card channel, please click to apply for bill installment and select "-billed-RMB-apply for bill installment".

5. Telephone application

Call 4-82-588

If you need help, please call 4-82-588 for manual service (please call 21-3869588 for non-4 service area and 86-21-3869588 for overseas).

online payment process of CCB credit card

1. Select the payment method of online payment of CCB or online payment of Longka to enter the payment page;

2. The cardholder enters relevant information according to the prompt and clicks Login;

3. The cardholder checks the purchased goods and the amount, and then selects the credit account under the payment account;

4. Enter the security check code of the credit card, click Pay, and then enter the transaction password as prompted.

5. Payment is completed.

I believe that through the introduction, you can get a general idea of the use of CCB credit cards.

how to use CCB credit card?

First of all, congratulations on your successful handling of the CCB credit card. To be a successful cardholder, you need to practice hard. So let's learn from the basic knowledge of CCB credit card. Take a few minutes to look at it, and you can use the card better in your daily life!

Repayment at CCB outlets:

You can make cash repayment or transfer repayment at CCB outlets all over the country with your card or card. No matter in the same city or in different places, CCB outlets can accept it, and there is no handling fee.

— repayment by outlets can realize repayment of RMB arrears in cash and USD arrears in cash.

-transfer repayment can transfer the funds from your debit card and quasi-credit card to your credit card account for repayment.

-repayment of RMB arrears by cash in RMB and repayment by transfer can be handled at all business outlets of the Bank, and repayment of USD arrears by cash in USD must be handled at the business outlets where the Bank operates.

-when repayment is made in convertible foreign exchange other than US dollars, the foreign exchange shall be traded by itself, and then the repayment shall be made in US dollars.

agreed account repayment:

You can designate a personal bank settlement account opened by yourself in China Construction Bank as the repayment account, and China Construction Bank will automatically deduct the corresponding amount from the repayment account on the due repayment date. Before you apply for repayment of the agreed account, please call the local 95533 or 24-hour service hotline to find out whether this service is available in the local CCB where you apply for the card.

repayment by telephone purchase of foreign exchange

repayment by telephone purchase of foreign exchange can only be used to repay the dollar arrears of credit cards. You must complete the application for repayment of deposit and telephone purchase of foreign exchange within the same day. The exchange rate is based on the selling price of US dollars at the time of purchasing foreign exchange, and you can call our 24-hour service hotline if you need to inquire. If the overpayment in RMB account of your credit card on the day of foreign exchange purchase is insufficient, you can also use your available amount to repay the foreign exchange purchase, and pay interest from the date of foreign exchange purchase.

ATM transfer repayment

You can transfer RMB funds from your savings card or quasi-credit card to your Longka credit card account through ATM to repay RMB arrears of Longka credit card.

loss reporting: in the process of using CCB's credit card, if your card is accidentally lost or stolen, please call CCB's 24-hour service hotline immediately to report the loss. After the report of loss is accepted and confirmed by CCB, the report of loss will take effect, which can protect your interests to the maximum extent.

if your card is lost or stolen abroad, and you still need to use your Longka (dual-currency) credit card while you are abroad, please call the 24-hour service hotline of China Construction Bank to report the loss and apply for an emergency replacement card. Construction will immediately contact foreign card issuers to handle emergency replacement cards for you and reissue new cards for you.

card replacement: longka (dual-currency) credit card is valid for 3 years, and will be invalid upon expiration. CCB will send you a new card one month before your card expires for your convenience. If you don't want to use your card after it expires, please call the 24-hour service hotline one month before it expires.

change your card in advance: if your card expires within 3 months and you need to change your card in advance for special reasons such as going abroad, please call the 24-hour service hotline to apply and destroy the original card yourself. Construction will change your card in advance and send you a new card.

damaged card replacement: when your card can no longer be used due to damage, fracture, demagnetization of magnetic stripe or wrong signature, you can apply for a new card; To apply for a replacement, please call the 24-hour service hotline of China Construction Bank, and you need to pay the corresponding replacement fee for a new card. Please destroy the old card yourself to avoid unnecessary losses.

There are some wonderful uses of CCB credit cards besides normal expenses.

As a member of state-owned banks, CCB is deeply loved by consumers, and many people are willing to apply for credit cards from CCB. Besides affordable activities and overdraft expenses, CCB credit cards also support minimum repayment, overdraft withdrawal and cash transfer. What role does CCB credit card play among consumers? Xiaocai, this brings the big guy to reveal the multiple functions of CCB credit card.

the minimum repayment does not affect personal credit information.

on the bill, there are two columns: "all payable amount in this period" and "minimum repayment amount". If you have sufficient funds, you can pay off the current bill at one time; If money is tight and you don't want to pay in installments, it's a good way to repay the minimum repayment amount, which will not affect your "personal credit record" and you only need to pay five ten thousandths of the daily interest.

Cash transfer, instant application and instant receipt

In today's society, credit is value. On the current credit card, you can transfer a certain percentage of the funds within the credit limit to your savings account, apply for it immediately without approval, and receive it immediately. You only need to pay 1% handling fee and five ten thousandths of daily interest, and you can repay it at any time within the repayment period. At present, the cash transfer business only supports RMB account operation, and you can handle it through mobile banking, online banking, branch counters, STM and ATM.

overdraft cash withdrawal, take whatever you want

If you are in urgent need of cash, CCB credit card also supports overdraft cash withdrawal, you can withdraw cash not exceeding 5% of the credit card amount and not exceeding the current available credit limit. The daily limit of domestic overdraft withdrawal in the counter channel is 2, yuan, the daily limit of self-service channel is 1, yuan, the daily limit of overseas withdrawal is equivalent to 1, US dollars, the monthly limit is equivalent to 5, US dollars, and the six-month limit is equivalent to 1, US dollars. You can take it at will and use it at will.

Credit card points can be redeemed for goods and deducted from expenses

Credit card points can be redeemed for goods and donated for love in the online points shopping mall of CCB, and can also be deducted from expenses in many stores across the country. Pay attention to "Longka Credit Card" WeChat WeChat official account, click "My Site-Points Redemption", and you can enter the online redemption page, with all kinds of electronic digital, household necessities and fashionable new products, as well as iQiyi gold VIP monthly card, telephone bill, Sinopec fuel card and other selected card coupons.

Xiaocai tip: The service provided by CCB is still very good, and CCB's "security lock" and "self-service limit" functions protect the safety of users' credit cards with a strong transaction monitoring team. Many people can blindly apply for credit cards because of CCB's personalized service. I hope everyone can apply reasonably according to their own situation, and don't be bound by credit cards for convenience.

Credit card using skills of CCB

Credit card using skills of CCB

1. How many cards does a person need?

after reading the post, many people are confused by the beautiful appearance and various functions of credit cards and apply for multiple credit cards. In fact, for ordinary wage earners, a savings card (debit card), a quasi-credit card (quasi-credit card) and a credit card (credit card) are enough. Debit card can undertake saving function; Quasi-credit card can save interest and can also be properly consumed; Credit cards make loans when buying large items in case of emergency. This combination can fully meet the needs of ordinary people's lives

2. How high is the credit card interest?

the current account is only % or 56% in the bank, but the credit card interest is 18%. If the quota is 3, even if you spend 3 yuan every day, you will only earn 17 yuan in interest from the bank. How can you owe so much every day? In fact, it is good to earn 5 yuan in interest, but as long as you forget to pay back a dime to the bank once, you will have to pay a fine of 1 yuan and another penalty interest. Be sure to repay before the interest-free period

3. Is it cost-effective to pay by installment?

installment payment is free of interest, but the bank will charge a certain handling fee. But credit card holders should not forget to check the available balance and installment amount in their cards before spending. 4. Which is safer, signature or password?

signature is the mainstream of international banking. From the security point of view, this kind of credit card can be consumed only by signature, especially through online banking. Generally, as long as the cardholder's name, credit card expiration date and inquiry password are known, it may be stolen.

therefore, many domestic cardholders believe that passwords are more secure than signatures. However, using passwords also has some disadvantages, that is, the responsibility of keeping passwords is passed on to cardholders, which means "at your own risk". Once credit cards are fraudulently used, the rights and interests of cardholders who use signatures can often be better protected and compensated.

5. What are the disadvantages of withdrawing cash by credit card?

generally speaking, credit cards can't be cashed out in full, but they can be spent in full or in excess.

you can choose the minimum repayment if you use a credit card, but you usually have to pay in full when you use a credit card to withdraw cash from the bank.

there is no interest-free period for cash withdrawal.

to withdraw cash from the bank, the bank will doubt your financial ability.

6. Interest-free installment activities

Every time we receive a bank statement, we can also receive a notice from the bank that we can pay interest-free installments.

for example, buy a laptop, mobile phone, DC, DV and so on. It is very suitable for friends who like shopping but don't have that much money at the moment.

but