Which CCB credit card is the best?

Which CCB credit card is easy for most people to apply for?

When you choose to spend with a credit card, you can not only enjoy one month's interest-free payment, but also accumulate points by swiping the card to exchange for gifts. Which is the best CCB credit card to apply for? Many cardholders who want to apply for CCB credit cards are struggling. Let me talk about the two best credit cards to apply for CCB credit cards.

The best application for CCB credit card is 1: As one of the four major state-owned banks, CCB is relatively generous in credit card approval. This credit card co-branded with eLong Travel Network not only has the credit card functions of CCB Dragon Card, but also eLong.com membership card. Therefore, when China Construction Bank examines users' qualifications to apply for a card, of course there are some factors involved that do not look at the monk's face but the Buddha's face. Of course, if you can prove in your card application materials that you often travel for business or tourism, then the card issuing bank will be even more embarrassed to embarrass its prospective customers.

The best application for CCB credit card 2: In recent years, credit card car purchases have attracted the attention of many consumers who plan to buy cars. CCB Volkswagen Long Card is a credit card launched by China Construction Bank for consumers who plan to purchase cars in installments with the function of redeeming points for car purchases. Users who plan to buy cars in installments can consider applying for this credit card. After all, users who buy cars in installments are also a hot commodity for card issuers, so banks will naturally not make things difficult for cardholders in the card issuance process.

With the above preliminary understanding of CCB credit cards, you must have the answer now.

What kind of credit card is good for China Construction Bank?

The financial functions of CCB credit cards are basically the same, but there are slight differences in the rights and interests unique to the card type. The specifics depend on the poster. If you have actual needs, you can go to their credit card website to check out the card's rights. If you travel frequently or have to go on business trips, you can choose a "Business Travel and Aviation" card, which mainly includes Global Payment Credit Card, World Travel Credit Card, Mango, Elong credit card, etc.; if you prefer entertainment, you can choose "fashion" cards, such as Transformers card, Barbie card, football card, good voice credit card, etc.; if you want to participate in shopping mall activities, you can choose "Colorful" cards Shopping type, such as Maoye Long Card, Yintai Long Card, etc. I suggest you read more and finally choose the most suitable one.

There are two ways to apply, one is to apply online, and the other is to apply at an outlet.

Apply at an outlet. This is the traditional method of applying for a credit card. You need to bring your work when applying. Proof of income (work permit from the unit, proof of employment, salary card statement (preferably more than 3 months old), tax bills for the past 3 months, social insurance policies, provident fund bills, etc. Not all of these are required, just have them), if you can Attaching some proof of financial resources, such as real estate, car ownership, and time deposit certificates from China Construction Bank, will be very helpful for applying for the card. (When proof of work income cannot be fully provided, it is best to have proof of financial resources)

Apply online. The procedure is relatively simple. No additional proof of financial resources is required. The bank will focus on the nature of the landlord's unit. , social security, provident fund, personal tax, personal credit, etc., which can be checked online. If these are not paid much or have not been paid, this method is not recommended.

Which credit card from China Construction Bank is better?

Users need to consider their own consumption needs and circumstances. Girls generally like Barbie (free of charge for 18 purchases a year) and MYLOVE cards (with rich card faces and optional photos, but there is a 50 card printing fee. ), boys like Transformers and football cards. Students generally use cards from famous schools that have been signed. You can also choose different cards according to different occupations (such as painters, railways, civil servants, etc.). In addition, if you travel frequently, you can choose European fashion. There are travel editions and Hong Kong shopping editions, as well as card types suitable for airlines.

How many types of China Construction Bank Credit Card Dragon Cards are there? Which one is best

There are many types of credit cards currently issued by China Construction Bank, but they are basically similar in terms of financial functions (mainly consumption first, repayment later, credit limit recycling, installment payment, and points exchange). (basic financial functions such as gifts), but there will be slight differences in the unique rights and interests of the card types. The details depend on the owner's personal preferences, so it cannot be said which one is the best. The one that suits you is the best.

In this regard, it is recommended that you go to other credit card websites to check the card’s rights and interests. If you travel frequently or have to go on business trips, you can choose a “Business Travel and Aviation” card, which mainly includes Global Payment Credit Card, World Credit Card and World Bank Card. Travel credit card, Mango, eLong credit card, etc.; if you prefer entertainment, you can choose "fashion" cards, such as Transformers card, Barbie card, football card, good voice credit card, etc.; if you want to participate in shopping mall activities , you can choose the "Colorful Shopping" category, such as Maoye Dragon Card, Yintai Dragon Card, etc. I suggest you read more and finally choose the most suitable one.

There are roughly two ways to apply, one is to apply online and the other is to apply at an outlet

Online application is relatively simple and requires no additional proof of financial resources. , the bank will focus on referring to the property owner’s employer status, social security, provident fund, personal tax, personal credit, etc., which can be checked online. If these are not paid much or have not been paid, this method is not very recommended

< p>Apply online. This is the traditional method of applying for a credit card. When applying, you must bring proof of work income (work permit from the unit, employment certificate, salary card statement (preferably more than 3 months), tax returns for the past 3 months, and social security Notes, provident fund slips, etc. (not all of these are required, just have them). If you can attach some proof of financial resources, such as real estate, car ownership, and time deposit certificates from China Construction Bank, it will be very helpful for applying for the card. (If proof of employment income cannot be fully provided, it is best to have proof of financial resources)

There are so many types of CCB credit cards - which one should I choose?

Of these three banks, I would choose China Construction Bank. Among the four major banks, its credit card is the best and relatively complete. It is a good thing that there are many card types to choose from, but if you are having trouble making a choice, Then it is recommended that you go to their official website and click "Credit Card Application" - "Credit Card Products" - and there are many product details here. You can learn more about it. First select the left category you like. Or you can filter on the right. The basic rights and interests are similar, but many are co-branded cards, such as those with shopping malls, airlines, travel agencies, or some cartoons and animations, and some are with local characteristics, allowing you to enjoy special rights in local provinces and cities. , there are also some with personalized card faces designed by DIY, and there are also car cards suitable for car owners. If you are not particularly interested in these and find them cumbersome, then directly apply for the standard version, Dragon Card Dual Currency Credit Card

Which China Construction Bank credit card is better

The basic functions are almost the same , it doesn’t matter if it’s good or not, it all depends on your actual needs. For example, if you frequently fly, you can apply for an aviation co-branded card. The points on CCB’s aviation co-branded card will automatically be converted into mileage points of the corresponding airline, which is quite affordable. If you like shopping, you can apply for a hot purchase card at a local branch to get discounts at many local merchants. The official credit card website of China Construction Bank has an introduction to card types. You can check online for details.

Which CCB cards are good to use

In fact, they are all similar, because overdraft cash withdrawal is a basic financial function of CCB credit cards, and basically every card has it

However, if you mainly use it to withdraw cash within the country, it is recommended that you apply for a credit card with the UnionPay logo.

In addition, for credit card overdraft withdrawals, the bank stipulates that the daily cash withdrawal per card shall not exceed 10,000 yuan, and the cumulative amount shall not exceed 10,000 yuan. If the amount exceeds half of the credit card limit, the cash withdrawal fee is 0.5% of the cash withdrawal amount, at least 2 yuan, and overdraft cash withdrawals do not enjoy the interest-free period. Starting from the day of cash withdrawal, interest of 0.05% of the cash amount will be charged every day

< p>For example, assuming an overdraft withdrawal of 2,000 yuan,

Cash withdrawal fee = 20,000.005 = 10 yuan

Daily cash withdrawal interest = 20,000.0005 = 1 yuan/day

< p>What kind of credit card is best for ordinary consumption at China Construction Bank?

For cards used for consumption, banks generally provide two types of cards, one is a credit card, including a credit card and a quasi-credit card, and the other is a debit card

Both. The difference is that with a debit card, you must have funds on the card to make purchases, while with a credit card, you can make purchases without funds

According to your question, I suggest you apply for a credit card

As for what kind of credit card , if you have a car, you can apply for a car card. China Construction Bank is better. When buying funds, ICBC also has good products.

That is to say, it still depends on your needs. If there are no special needs, a general card is fine. However, depending on your credit, the bank will give you different limits

What are the advantages and disadvantages of credit cards? Is CCB’s credit card good?

Advantages: (1) You don’t have to pay cash when you consume, which is more comfortable. (2) Overdraft is allowed, and the overdraft limit should generally be RMB 10,000 depending on the application situation. (3) Overdrafts can have an interest-free period for a period of time, usually 20 to 55 days. Anyway, you can remember to pay off the consumption of the current month before the 25th of the next month. For example, all purchases in September must be returned before October 25th, otherwise interest will be paid. (4) Using a credit card gives you a good credit record.

Disadvantages: (1) You have to go to a bank branch to repay once a month (of course you can bind it to your salary card so you don’t have to go to the bank every month), (2) Forget to repay on time If you do, you will have to pay a very high interest rate, as well as late payment fees, penalty interest, etc. (3) It is easy to develop the habit of spending even if you don’t have money.

Whether a credit card is good or not depends mainly on the service attitude. Because the basic terms of the cards can be said to be similar, the differences are very small. Also check to see if there are any branches of the bank near your home or work to facilitate repayment operations.

Which CCB credit card is the best to apply for a high-quality credit card?

As one of the four major state-owned banks, China Construction Bank is relatively generous in credit card approval and offers many card types that are friendly to the people. Judging from the development trend in recent years, CCB even has the momentum to surpass ICBC, which is known as the "largest bank in the world". So as the most competitive bank in the Chinese market, which credit card is best to apply for from China Construction Bank? Here are two of them.

The best application is: Longka JOY Credit Card

Longka JOY Credit Card is an exclusive credit card product issued by China Construction Bank for young customers under the age of 35, which can meet the diverse card needs of young customers. . The application conditions are very simple, as long as you are over 18 years old, can provide proof of employment, and have a student card for students.

The minimum repayment ratio of this card is 5% for the first time, and the minimum repayment amount is not less than 200 yuan or 50 US dollars, which effectively alleviates the repayment pressure of young customers. With the "Hot Buy" logo on the back of the card, cardholders can also enjoy preferential discounts from thousands of merchants across the country in the fields of clothing, food, entertainment, travel, shopping, etc.; for 3 yuan per month, they can enjoy instant transaction SMS services and fraudulent transactions at home and abroad. All can enjoy compensation protection of up to 50,000 yuan.

Best application 2: eLong Changxing Dragon Card

This credit card co-branded with eLong Travel Network not only has the credit card functions of CCB Dragon Card, but also is the membership card of eLong.com. Therefore, when China Construction Bank examines users' qualifications to apply for a card, of course there are some factors involved in "looking at the Buddha rather than the monk's face". Of course, if you can prove in your card application materials that you often travel for business or tourism, then the card issuing bank will be even more embarrassed to embarrass its "prospective customers".

Call 400-666-2222 eLong Changxing Dragon Card VIP hotline to book international and domestic air tickets at preferential prices, as well as nearly 7,000 hotels in nearly 400 domestic cities and 80,000 hotels in more than 100 countries and regions overseas. Yujia star hotel. Book air tickets through eLong Travel.com and pay in full with the eLong Changxing Long Card. Gold cards will receive a bonus of 1 million yuan, and standard cards will receive a bonus of 500,000 yuan in aviation accident insurance, as well as flight delay insurance. For the first booking, gold card holders can receive an additional 2,000 eLong points, and regular card holders can receive an additional 1,000 eLong points.

Which card is better to apply for a China Construction Bank credit card?

Relatively speaking, credit cards from commercial banks are easier to apply for than the four major domestic state-owned banks. Each bank's credit card has its own characteristics and card application procedures. Credit cards from China Merchants Bank, Bank of Communications, CITIC Bank, China Guangfa Bank and other banks are easier to apply for than the four major banks.

According to Article 7 of the "Regulations on the Supervision and Administration of Credit Card Business of Commercial Banks": A credit card refers to a credit card that records cardholder account information, has bank credit lines and overdraft functions, and provides cardholders with relevant banking services. All types of media.

1. China Merchants Bank Credit Card

The best credit card to apply for from China Merchants Bank is the YOUNG card, a credit card product tailor-made for young people. White-collar workers who have just graduated can apply, and college students over 18 years old with a formal internship contract can also apply.

Everyone who has used CMB’s credit card knows that CMB’s service is very good, the best among all banks. Although CMB cannot apply for a card with a card, the efficiency of card placement and limit increase is still the same. Quite high. Moreover, China Merchants Bank supports the WeChat limit increase test. Once the test is passed, the limit can be increased quickly. It is simple, fast, and so powerful.

2. Bank of Communications Credit Card

What is often recommended is the Y-power card of Bank of Communications, which has up to 100% of the cash withdrawal limit. There is no annual fee in the first year of application, and it can be waived by swiping the card 6 times. The annual fee for the following year is very impressive.

The usual activities are also super awesome, such as the must-have activities every year: Reddest Friday, Super Reddest Friday, and Weekly Brushes. In addition, Bank of Communications supports card application. Although the risk control is relatively strict, the difficulty of applying for a card is not as difficult as everyone said.

3. Ping An Bank Credit Card

Ping An Bank has also expanded rapidly recently and supports insurance policies. The preferential activities of Ping An Bank's credit cards are not outstanding compared to those of China Merchants Bank and Shanghai Pudong Development Bank. However, Ping An Bank’s car owner card is very useful for car owners because it offers many discounts on gas.

4. CITIC Bank Credit Card

It is recommended to apply online, which is very efficient. Generally, you will receive an acceptance message from the bank within 24 hours. Verification of information is very simple, as long as a copy of the ID card is provided. But as for raising the quota, it’s very difficult.

CITIC's credit cards have some pretty impressive activities from time to time. In recent years, the "9 Points Redemption" activity has obviously gained a good reputation, but it has been criticized by everyone because of the adjustment of its strategy. However, I still recommend its i Platinum Card and JD Baitiao Card.

5. Guangfa Bank Credit Card

Guangfa is known as the Iron Rooster, mainly because it is difficult to increase the limit, but there are still many discounts. The best credit card to apply for from China Guangfa Bank is undoubtedly the Guangfa True Love Credit Card. As long as you are a female customer and can provide proof of stable income and personal information, there is no obstacle to applying for this card.

6. Everbright Bank Credit Card

It is relatively easy to apply for the card, and the credit limit is high. You can apply for a credit limit adjustment in half a year, and the limit is usually doubled at a time. The best thing is that there are many points activities, multiple points are often given out, and online transactions also count as points.

In fact, nowadays, as long as your credit qualifications are good enough, you can apply for a credit card at any bank, pay back in time, and use the card rationally, and your credit limit will gradually increase.

Which is better to apply for a China Construction Bank credit card for the first time? Take a look at these credit cards from the four major state-owned banks. They have low rates and strong stability. They are rarely blocked due to derating. It can be said that they are the credit cards that many people dream of. If you want to apply for a card from the four major banks, you can start with CCB. Although CCB’s threshold is relatively low, if you are applying for a card for the first time, you still need to be able to choose a card. Here are a few CCB cards that are suitable as first-time cards and are easier to apply for.

Which is better to apply for a China Construction Bank credit card for the first time?

1. Longka JOY Credit Card

CCB’s exclusive credit card for young customers under the age of 35. It has three versions: UnionPay version, VISA version and MasterCard version. It is a relatively easy one to apply for. Platinum card, if you have certain financial ability, you can apply for this card as the first card of CCB. The annual fee is 580 yuan/card, and the annual fee for supplementary cards is 300 yuan/card.

It can provide cardholders with preferential benefits such as a minimum repayment ratio as low as 5%, a 1% cash rebate for UnionPay overseas purchases, and a 118 yuan cash rebate for spending over 200 yuan on the card. In December 2020, If you activate the card on May 31st, you will receive a walnut radio from Elvis Presley and the Little Prince.

2. Dragon Card Car Card

An exclusive credit card tailor-made by China Construction Bank for car owners. The annual fee for the main card is 200 yuan per card per year, and the supplementary card is halved. It can provide every 10,000 yuan. Longka Car Card points can be redeemed for 100 yuan in gas expenses, a weekly car wash discount of 15 yuan at designated car wash outlets, and exclusive benefits such as free roadside assistance. For car owners who are applying for a CCB card for the first time, this card will have a higher pass rate. .

It should be noted that the Dragon Card cannot be applied online. Applicants need to bring a copy of their ID card, proof of income, proof of residence, copy of driving license, copy of insurance policy and other supporting materials to a CCB outlet to fill out the application form. .

This is the end of the introduction about which CCB credit card is easy to apply for and which CCB credit card takes how long to apply. I wonder if you found the information you need?