1. How to check whether a China Construction Bank bank card is a Category 1 or Category 2 card

Some methods to check whether a China Construction Bank bank card is a Category 1 or Category 2 card are as follows:

1. The first way is to inquire through the bank counter. Bring your nearest China Construction Bank branch to inquire. At this time, the staff will tell you which type of bank account you have.

2. The second way is to inquire by phone. First, contact the manual service and provide bank card inquiry.

3. The third way is to inquire through mobile banking. First, you need to download an official mobile app of China Construction Bank, and then log in to your own account to view the bank card account category

4. The fourth way is to inquire through online banking. You must first enter the official website of China Construction Bank, and then log in to see the personal account card details.

Operating environment:

Brand model: iPhone13

System version: iOS15.3

App version: v5.6

What is the difference between the first-class card and the second-class card:

1. There is no limit whether it is transfer or card consumption; the second-class card of China Construction Bank has a limit. The daily cumulative cash limit is 10,000 yuan, and the annual cumulative limit is 200,000 yuan.

2. Different functions: CCB’s first-class cards can be used for large-amount investments and financial management; while the scope of use of second-class cards is limited and can mainly be used for some ordinary daily transactions

< p>3. Account number limit: An ID card user can only apply for one first-class card at CCB; while there is no limit on the number of second-class cards, but the total number of first-class card accounts and other debit card accounts cannot exceed 5.

1. Except three types of cards. The use of Class III cards can limit consumption and payment. The transfer of funds must exceed 1,000 yuan, and the daily consumption and payment limit must not exceed 50 million yuan. Bank cards are divided into one type, bank cards for users. If two or three types of cards are lost, there will generally not be a big loss due to credit limit restrictions.

2. Category 1 (with physical media) is a fully functional account. Users can handle large-amount payment services such as large-amount deposits, large-amount withdrawals, large-amount transfers, consumption payments, and purchase of investment and financial products, with no limit on the scope of use and amount. There are certain limits on transaction amounts for Type 2 accounts (with or without physical media). Users can handle small-amount payment services such as limited deposits, payments, and transfer of limited funds to unbound accounts, and purchase investment and financial products (referring to the purchase of financial products such as financial products) in addition to RMB, US dollars, Hong Kong dollars, Japanese yen, euros, pounds, etc. In addition to these accounts, other accounts of the customer's own China Construction Bank can also be linked to the Dragon Card to coordinate the overall arrangement of funds.

3. Conveniently used as a salary account, and can also withhold and pay related fees, avoiding the need for customers to withdraw cash and pay for value-added: through Long Comics, customers can handle foreign exchange transactions, vouchers, treasury bonds, funds, and bank securities transfers , Customer guarantee service is a good financial management to obtain higher returns

2. How to pay off the CCB second-class card loan in one go

The CCB second-class card loan can be terminated early or the installment is cancelled. Pay off in one lump sum. Log in to the latest version of mobile banking and enter installment inquiry in the search box above. 1. After entering, select the installment type, and then click... to view the installment details. 2. Early termination can only be processed if the current status is that the transaction has been recorded.

3. When you take a loan with a CCB credit card, can you directly choose a one-time repayment? It is a loan...

Credit cards are for your daily consumption, not for loans. of. If you really need cash, you can try applying for their cash installment. This is the introduction to cash installment on their credit card website. You can refer to it, or you can log in directly to learn more. If the application is successful, the applied amount will be transferred to your savings card, and you can use it when the time comes.

Even if you have enough credit, you can only apply for a maximum of 50,000. If 50,000 is divided into 24 installments, the installment principal of each installment is 50,000/24=2,083.33, the handling fee for each installment is 500,000.75%=375, and the total handling fee for 24 installments is 37,524=9,000. The installment amount recorded in each subsequent period is 2083.33375=2458.33.

This installment amount and handling fee will be credited to your account every month. As long as you repay the bill amount in full before the final repayment date, this installment will also enjoy the interest-free period. If you do not repay the loan in full on time, the installment will be the same as your consumption, and interest will be charged at a rate of 50,000 per day from the date of entry.

4. What is the repayment process of China Construction Bank in 2021?

1. Construction Bank housing loan early repayment process

Commercial loan early repayment process

1. Make an appointment by following the "China Construction Bank" official account , and after success, go to the counter for repayment based on the system feedback information.

2. For customers whose reservation fails, please bring your ID card and the original loan contract to the branch counter to make a reservation.

Process for early repayment of provident fund

Present your ID card and the original loan contract to the branch counter to make an appointment.

2. Construction Bank mortgage early repayment information

1. The borrower is a single person and needs to prepare

Original ID card, CCB savings card (Class I card) , Loan contract

2. If the borrower is a couple or two persons or more, you need to prepare original ID cards, original marriage certificates, CCB savings cards ( Category 1 card), if only one person can come to apply, the above three certificates must be brought.

3. Precautions for early repayment of China Construction Bank mortgage loan

1. The money must be deposited into the CCB debit savings card in advance and the original ID card of the owner of the debit card must be provided.

2. If the borrower is unable to come to the site, a power of attorney from a notary office and the original ID cards of the principal and trustee are required.

3. Regarding cancellation of mortgage: Online cancellation will be completed within 5 working days. If the cancellation filing has been completed, please wait for notification.

4. Customers who have settled all their mortgage loans in advance must settle all their loans with CCB. After settlement, go to the corresponding department to print the settlement certificate before you can handle the early repayment business.