Is there any conflict between CCB Life Card and CCB Credit Card?

No.

The nature of cards is different: CCB Life Card is a digital credit card launched by China Construction Bank. It has no physical card and belongs to a virtual credit card product. Longka credit card is a physical credit card product.

credit card grades are different: CCB Life Card is a standard platinum credit card and a platinum credit card product. Longka credit card includes many grades, including general card, gold card, platinum card and even multi-currency, such as dual-currency Longka credit card and single-currency Longka credit card.

Daily life-credit cards

Speaking of credit cards, who don't need to apply for credit cards? That's right, it's not necessary. As I said before, there is no good or bad knife, depending on what the person with the knife is doing, and so is the credit card. There is no good or bad in itself, depending on how the person uses it. I think shopaholics, pickpockets. Poor control and possessiveness. I advise you not to apply for a credit card because it is not suitable for you.

this article is mainly about the introduction of credit cards and my understanding of credit cards. A more comprehensive explanation of credit cards.

first, introduce a one-year credit card! Credit cards and debit cards? Credit card is a special card issued by banks or other financial institutions to those with good credit standing, which is used for shopping and spending at designated merchants or depositing and withdrawing cash at designated banking institutions. It is a special kind of credit certificate. Credit card refers to a credit card in which the issuing bank gives the cardholder a certain credit line, and the cardholder can spend first and then repay. The difference between them is whether they can withdraw cash. Credit card is also called simple credit service, and another way of saying credit card is also called non-cash transaction payment method. The bank or credit card institution issues it to the cardholder according to the user's credit and financial resources, and the cardholder does not need to pay cash when spending with the credit card, and then repays it on the settlement date. After understanding the credit card, let's explain in detail how to use it, how to handle it and how to operate it.

After knowing what a credit card is, we may be eager to get a credit card, so learn what we need to know before getting a card. 1. Choose a credit card that suits us according to our actual situation and needs. Let's talk about the classification of credit cards. First of all, credit cards are classified into the following categories. A universal card, also known as an ordinary credit card, has relatively simple application conditions, with a quota of less than 5,. The second gold card, also called the advanced card, will have stricter requirements for applicants. The quota is around 5 thousand. Triple platinum card is also a relatively high-end card. Banks have stricter audit on users, have assets and some requirements for users, and the rights and interests of platinum cards will be more. Four diamond cards, also VIP cards, banks have high requirements for customers and have more corresponding rights and interests. Five black cards, legendary cards. Just be awesome. After talking about the level, let's talk about the classification of credit card functions! Co-branded card, a co-branded card is a kind of credit card issued by the issuing bank and a profit-making institution, and some functions and benefits are attached according to the agreement between the bank and the merchant. For example, if you like Taobao shopping, you can use the Taobao co-branded card, and online shopping can enjoy some discounts. Standard card. Standard card is a kind of credit card issued by the bank independently. The function of standard credit card is mainly used for daily consumption. Identity card, identity card is a card with public welfare function, the function is the same as that of standard card, but it belongs to public welfare, and the consumption has a certain proportion of public welfare! Daily card means that we can get points by spending online and offline in our daily life, and the points can be exchanged for benefits in the corresponding channels. If you often shop, you can choose this kind of card, which can exchange more things. There are also some cards with other functions, such as theme cards, student cards, shopping cards, owner cards and so on! According to the corresponding card function, the benefits are different. You can choose the right credit card according to your own needs, know the classification of credit cards, and then see how to apply!

credit card applications can be processed online and offline, and offline processing means going to the bank to apply for a credit card. Require people over the age of 18 to have legal and stable income and good credit. Provide the corresponding identification. Proof of work (financial proof is not needed now). Having the financial resources to prove that it is easier to get the favor of the bank and make the credit card quota higher! Proof of residence. But it is relatively simple to apply for a credit card now. In short, just provide whatever materials you need! Online processing is easier, just fill in the information as required!

Let me talk about it here. After the card is opened, the general credit card is processed. In order to promote consumption, banks usually have a card opening discount. Now, in order to allow people to apply for credit cards, banks generally have good card opening discounts. For example, send luggage case, send backpacks, and even send money directly. Opening a card means activating a credit card and meeting the corresponding conditions. The bank will send the corresponding card opening gift, and friends who don't know must not miss it.

the credit card has been activated. Here are some knowledge points about the credit card. Generally, when you receive the credit card, it is an envelope. There are several points to pay attention to when opening the envelope. When the credit line is opened, there will be a piece of paper with the number of credit lines, billing date and repayment date written on it. When are the billing date and repayment date? There is an interest-free period between billing date and repayment date. What is a credit line? According to your application, the bank will issue a credit line after review, and the cardholder can spend within this line. Generally speaking, it is how much money you can use! The initial credit limit is the credit value obtained by the credit scoring system according to the information provided by you, and then converted into the credit limit. (Many people want to increase their credit limit. In order to use many methods, the key to a credit card is the word credit, so a good credit will make the bank think that you are reliable and thus increase your credit limit, and the bank is willing to lend you money.) Then there is the proof of financial resources. Because there is money, the bank will choose to lend you money. On the billing date, the issuing bank regularly summarizes the cardholder's credit card account and various transaction costs in the current period, and concludes the date when the cardholder should repay in the current period. Interest-free period For consumer transactions, it is an interest-free period from the bank's bookkeeping date to the repayment date. If Xiao Wang spends money on August 19th and settles the bill on September 16th, he will enjoy the longest interest-free period of 5 days on the repayment date of October 8th. (8.19-1.8) If he spends money on August 18th, he will only have an interest-free period of 2 days, so make the best use of the longest interest-free period! Minimum repayment amount The minimum repayment amount given by the issuing bank to the cardholder in the current period. It is worth noting that the money beyond the minimum repayment amount will generate interest if it is not repaid, and then it will be repaid on the next billing day. If the retention money is lower than the minimum repayment amount on the repayment date, the unpaid part of the minimum repayment amount will be paid, which is generally 5% of the minimum repayment amount. For the card that exceeds the credit limit, the bank will charge the excess private placement fee, which means that the card is maxed out! Grace period The so-called grace period means that it is charged from the bill to the account outside the interest-free period, but the bank has a certain grace period, and repayment within the grace period is also effective. About the higher the credit card limit, the better? Many people want their credit card limit to be 1 higher, but the general credit card limit is related to your financial resources. Owning too high a credit card may cause unnecessary trouble, because there is a risk that the credit card will be stolen and swiped. If your credit card is unfortunately suspected of being lost, the bank will compensate you, but you don't have to lose it. Just have enough credit card limit.

Next, let's talk about some knowledge in the process of using credit cards! First of all, everyone should know that there is an annual fee for credit cards. Therefore, if you can use a credit card at ordinary times, use it as many times as possible, and remember to cancel the unused credit cards. How do we usually use credit cards? As we all know, we use credit cards for many other benefits besides our daily consumption. You don't need to bring cash for daily consumption. Although there are WeChat Alipay and so on, you don't need to put money on WeChat. Money can also be used to generate interest, and at the same time, it can reduce our usual cash flow reserve. No matter whether it is a family or an individual, the extra money can be used to invest and generate interest. In order to cope with daily consumption and emergency reserve, we have left some cash. If we use a credit card, we can reduce this cash and invest the extra money in wealth management, and the money is still a short-term interest-free loan. In addition, we usually spend credit cards, and there are many activities with credit cards. (Because the purpose of credit cards is to promote consumption, banks will definitely find ways to promote our consumption, and activities are just one way, such as my usual discounts on charging phone bills, eating, paying water and electricity, buying train tickets and taking the subway. In addition, we still have points for our usual consumption, and we can also use these points to exchange benefits. In addition, credit cards can also be used for emergency use. Credit cards can take out money for emergency use when we need it at ordinary times, and then return it to the repayment period. There are still many advantages and benefits of using credit cards in life, so I won't give them one by one, but I will find them carefully in my life!

Credit cards have such advantages in daily life. Since there are good ones, there are bad ones. As I said before, whether knives are good or bad depends on other users, and so do credit cards. Otherwise, why do many people dislike credit cards? Then let's talk about the disadvantages of credit cards! I have already talked a lot about the basics of credit cards. Part of the disadvantage of using credit cards is that I don't know the corresponding basics, such as detention money and over-limit fees! Careless use of credit cards has led to some bad effects, but on the other hand, it is their own reasons. As I said at the beginning of the article, those people do not recommend using credit cards. 1. It is the issue of annual fee. The rules for setting annual fee for various credit cards are also different. Many people ignore the rules of annual fee, which leads to the annual fee, and if you don't use the credit card, you must remember to cancel it. 2. Be sure to know your credit card bill and repayment date. Generally, there will be reminders now, but don't forget to repay on time. Because of negligence, there are not a few problems. Be sure to remember to pay in full, not less than 1 point, because if you pay less than 1 point, the bank will also charge a fee according to one tenth of this bill, so don't underestimate a penny. Be sure to pay back in full. Over-limit fee As I said before, the credit card is maxed out, and this part of the money is generated by the maxed out credit card. Use the credit card limit reasonably. Late payment fee, if there is no minimum repayment, the repayment will not be paid. In addition to the unpaid interest, late payment fee will be charged. In addition to not knowing the expenses caused by other reasons, there are also many expenses caused by their own reasons. Blind consumption, because credit card consumption, can not see cash, no capital expenditure, I feel that I have not given money, and I am not so sensitive to money, which is most likely to lead to blind consumption. Excessive overdraft, as far as the current society and environment are concerned, although there are also reasons encouraged by merchants, the biggest reason is themselves. Many people are ahead of consumption and overdraw consumption, which leads to their inability to pay back. Don't withdraw your credit card easily. Some people don't know that credit card withdrawal is the same as bank card. Credit card withdrawal and bank card are two different things. Not only do you have to charge interest, but the daily interest rate is not low, five ten thousandths. Don't cash out in large amounts, you need to use cash, or you need funds for emergencies. Some people will choose to cash out by credit card, which is risky for cardholders and businesses. Although cash out has obtained funds, all the borrowed money must be paid back. Once it exceeds your repayment ability, there will be a lot of fees. Now there are various small advertisements outside, which not only have to pay higher fees, but also may cause the loss and disclosure of personal information. There is also the risk of being stolen, especially the pv code of the credit card. Once it is leaked, there is a great risk of being stolen. Over-overdraft, repayment on behalf of others, this kind of deception, some people because of overdraft, but also can not repay in time, resulting in late fees, so they find someone to repay. In fact, this essence is that you have to pay back the money after a round of cash, and you may also be cashed out, and you may be cheated by a lot of money. Generally, you should not lend your credit card to others at will. What if the credit card can't pay back the money? Many people spend money, but this is not the case. They often use the minimum repayment. Although the minimum repayment does not affect credit, the longer the time, the higher the interest. If they are short of money, they must use legal channels to solve it. There are also credit card arrears, which are urged by banks, and you can apply to banks for delayed repayment and interest concessions. Generally, such banks will agree, because banks also want to get their money back.

share some more, some applications of credit cards to financial management, and a summary! Although credit cards have many advantages, they also have some disadvantages. In the end, it depends on how users are! People who can't control their consumption desire just brush regardless of their repayment ability, and don't do well! Lazy, too lazy, really lazy, I really can't help it. People who don't even bother to look at the bill don't know how much it costs, so don't do it! I'm not interested in using the interest-free arbitrage of credit cards. If you have money, you don't know how to make it. What are you going to do?

then how to manage money by credit card? The saving function of credit card can save 2 yuan if you spend 1, yuan and enjoy 1, yuan interest-free, at an annual interest rate of 3%. Enjoy some activity discounts with credit cards, especially some important discounts. For example, the activity I used cost 2, yuan against 2 yuan, and I just need to decorate it, which will save 2 yuan. It is not difficult to borrow money. If you are in a hurry to use the money, the deposit has not expired, the capital flow is difficult, and you are embarrassed to borrow money from your friends or you can't borrow money, you can use a credit card at this time. Swipe the card to keep the cash flow. Xiao Zhang is very smart in using the card. He uses two credit cards, and the time of using them is staggered, enjoying the longest interest-free period. You can also get a discount on the charge. If you use a credit card, you can get a 1% discount on some charges. Credit card points, annual fees for goods, discount coupons, cash, etc., many preferential ways can be used by credit cards.

finally, please make good use of credit cards. Because the credit card is not easy to use, then it may be bad people's minds and turn people into card slaves. If we make good use of it, then credit cards can bring us tangible benefits. Credit cards become a good tool for our financial management and enjoy the benefits brought by credit cards. Finally, remind everyone to use the card correctly and spend it reasonably. Rational consumption and timely repayment. Don't save money in the credit card, and get into the good habit of keeping accounts!

Your appreciation is my greatest encouragement, and your concern is my greatest support!

Why is CCB Life Card the same as the original credit card

CCB Life Card is a virtual card. It is the same as ordinary credit cards in terms of network use and repayment.

Is CCB Life Card a credit card?

CCB Life Card is a digital credit card product launched by CCB. It has no physical card and belongs to a virtual credit card product. It can meet the needs of users in the consumption scene of "instant application, instant handling, instant use and instant enjoyment". Although it is a virtual digital credit card product, it can be directly bound to CCB Life APP to complete online payment.

Extended information:

1. Handling process of life card of CCB

Life card account opening process:

1. I go to any branch of CCB with my ID card and a small amount of cash;

2. queue up for the number, fill in the application form and copy the ID card;

3. Go to the counter, give the completed application form and ID card to the bank counter staff, open an account with a life card, and remember the six-digit withdrawal password entered when opening an account.

4. If