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What is the credit card Longkadaiba?

The main difference between Longka Daiba and a credit card is that Longka Daiba is a virtual card and does not have a physical card, while a credit card is a physical card but does have a physical card. Other than that, there is no difference in functionality between the two. Longka Loan Bar is a virtual credit card service launched by China Construction Bank. This virtual credit card has the rights and most functions of a physical credit card, and also has a loan function. Users using Longka Loan Bar can apply for a loan limit of up to 5,000. And there is no direct connection between this loan limit and the credit card limit.

Credit cards, also called credit cards, are credit certificates issued by commercial banks or credit card companies to consumers with qualified credit. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back.

Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with the merchants and cardholders. Cardholders can overdraft within the prescribed limit.

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the prescribed credit limit.