Four methods of withdrawing money from CCB's credit card without a card
Operating environment:
Brand model: iPhone13
System version: iOS15.3.1
app version: v5.6.7.1
First, directly find an ATM with the function of withdrawing money without a card, and select the ATM without a card.
2. Download the mobile banking of China Construction Bank, and handle the "special withdrawal". After successful handling, the special withdrawal ID will be sent to the mobile phone number of the transaction notice by SMS, and then you can go to the independent cash machine after construction to withdraw money through the special withdrawal ID and password.
3. Select the mobile phone PAY withdrawal button through the "Dragon PAYment Withdrawal" on the ATM of CCB, and then handle the withdrawal after the CCB mobile phone Pay approaches the ATM. This withdrawal method requires mobile phones.
fourth, you can exchange cash for others through mobile banking transfer to complete the withdrawal operation.
CCB credit card is a credit card issued by China Construction Bank. The credit cards issued by China Construction Bank are all named as "Longka", including: Longka Famous School Card, Longka Business Card and Longka Automobile Card.
knowledge:
annual fee-free policy: the annual fee for the following year will be exempted if you swipe your card for 3 times or 18 times (excluding special cards such as business cards and car cards);
cash withdrawal fee: within China: 5‰ of the transaction amount, with the lowest in 2 yuan and the highest in 5 yuan; Overseas: 3% of the transaction amount, with a minimum of $3.
Multi-account management: the line is shared, the billing date of multiple CCB cards is the same, and the repayment is independent;
online payment: AliPay: it can be used after online registration, and the limit for single payment and single day is 5 yuan;
installment business: supports interest-free installment (3, 6 and 12 installments) for specific merchants. You can apply for installment (3, 6, 12, 18, 24) by phone after spending more than a single 1 yuan, and each installment will generate different handling fees according to the number of installments;
billing date: there are multiple billing dates per month, and the cardholder can change them once a year within the validity period of the card;
currency: RMB, RMB/USD and RMB/EUR.
interest:
during the interest-free repayment period: the interest-free repayment period refers to the interest-free period for consumer transactions enjoyed by cardholders who repay in full on schedule, and the interest-free period starts from the bank bookkeeping date to the repayment date, with a minimum of 2 days and a maximum of 5 days. Overdraft cash withdrawal transactions do not enjoy interest-free repayment period.
Tip:
If you don't repay in full before the due repayment date, you won't enjoy the interest-free period. The Construction Bank will charge interest at the daily rate of .5 ‰ and compound interest on a monthly basis. The interest-bearing date is from the date of consumption to the date of repayment, and the interest-bearing principal is calculated based on the actual amount payable.
if you fail to repay before the due repayment date or the repayment amount is less than the minimum repayment amount, CCB will charge interest as required, and will also charge a late fee of 5% of the unpaid part of the minimum repayment amount.
calculation example:
suppose your billing date is 17th of a certain month, and the due repayment date (for example, 3 days per month) is 17th of the next month (if the month is 31 days, it is 16th of the next month, and the month and month are calculated accordingly).
if you spend 1, yuan on April 15th, and this consumption is credited to your account on the same day, the bank bookkeeping date is April 15th, because your billing date is April 17th, the due repayment date is May 7th, and the longest interest-free period for this consumption is 23 days;
if you spend 1, yuan on April 18th, and this consumption is credited to your account on the same day, the bank bookkeeping date is April 18th. Since this consumption should be billed on May 17th, there are 5 days before the due repayment date is June 6th, and the longest interest-free period for this consumption is 5 days.
During the revolving use period:
Revolving credit generally means that the credit limit of a credit card can be recycled. As long as the customer can repay the line in time after each use (including the minimum repayment method), it can be reused without applying before each use. Revolving credit is the inherent attribute and main function of credit card, which brings convenience to cardholders.
interest calculation of revolving credit:
each consumption amount in the last statement is the interest-bearing principal, and the interest-bearing days are from the bookkeeping date of the account to the payment date of the account; The interest rate of revolving credit shall be uniformly stipulated by the People's Bank of China, with a daily interest rate of .5 ‰ and compound interest on a monthly basis. The interest on revolving credit will be stated in the next bill.
calculation example:
suppose your billing date is 7th of each month and the due repayment date is 27th of each month. If you spend 1, yuan on March 2, and this consumption amount is credited to the credit card account on March 23 (i.e. the billing date), your statement on April 7 will list: the total payable amount in this period is 1, yuan, and the minimum repayment amount is 1 yuan. If no other transactions are recorded during the period from April 8th to May 7th, and you pay off the minimum repayment amount of 1 yuan on April 27th, the bill on May 7th will include the unpaid part of the consumption amount of RMB 9, and interest of RMB 225.
how to spend credit cards (debit cards) without cards?
card-free consumption of credit card (debit card) requires binding the credit card (debit card) with third-party payment software, such as Alipay, WeChat, China Unionpay Quick Pass, etc. When using third-party software to pay, the payment method is switched to the credit card (debit card), so that card-free consumption of credit card (debit card) can be completed. This payment method belongs to online payment. If you use a credit card (debit card) to run online payment, you may accumulate credit card (debit card) times, but you may not accumulate credit card (debit card) points.
in some banks, credit card (debit card) points must be accumulated by swiping POS machines, so users who like points should not choose online payment.
how to withdraw money from China Bank without a credit card
You need to log in to our online bank first, select the withdrawal account number, enter the withdrawal amount (the withdrawal amount must be an integer multiple of 1, and the withdrawal amount cannot be greater than the maximum amount of —ATM withdrawal), and add a postscript (the postscript can be filled in with up to 25 Chinese characters or 5 English characters). Click Next and set the reserved password. Or log in to our mobile banking, select the withdrawal account number, enter the withdrawal amount (the withdrawal amount must be an integer multiple of 1, and the withdrawal amount cannot be greater than the maximum amount of ATM withdrawal), set the reserved password, enter the postscript (the postscript can be filled in up to 25 Chinese characters or 5 English characters), click Next, and then go to ATM for withdrawal after being authenticated by security tools.
Tips:
1. When you complete the ATM card-free withdrawal operation, please record the "withdrawal number", which needs to be entered when you withdraw money at the ATM later.
the withdrawal number can be found by logging in to our online bank and querying the withdrawal number of the corresponding record on the page of transfer and remittance-—ATM withdrawal without card-inquiry/cancellation; Or log in to our mobile banking, and check the withdrawal number on the home page-More-No Card Withdrawal-More in the upper right corner.
2. Please bring your mobile phone filled in "My Mobile Phone Number". When making withdrawals at ATM, select the "Password Remittance Cash Withdrawal" service, enter your recorded "Withdrawal Number" in the "Enter 9-digit Withdrawal Number" field, enter "Reserved Password" after the withdrawal information is displayed in the system, and click "Get Verification Code". The verification code information will be sent to your mobile phone, and the withdrawal operation will be completed after entering the verification code.
3. The reserved password will be locked after being wrongly entered for 6 times (locked after being wrongly entered for 3 times on the same day, and can be entered for 3 times the next day). After the reserved password is locked, the counter has no unlocking function, so the customer can only cancel the remittance or wait for the withdrawal to expire automatically.
4.ATM card-less withdrawal service withdrawal account supports Great Wall electronic debit card, current all-in-one and ordinary current.
5.ATM card-free withdrawal transactions cannot be withdrawn directly at the counter. If you enter the withdrawal password incorrectly three times on the same day and the transaction is locked on that day, you can only go to the counter to understand the payment; If you enter the wrong number 6 times, the transaction will be locked and the counter will not be allowed to pay; The remitter can cancel the transaction through the counter or electronic channels.
the above contents are for your reference. please refer to the actual business regulations.
how can a credit card be swiped without a physical card?
A credit card can be swiped without a card, not only online, but also offline.
1. Online consumption:
Actually, it is online shopping, provided that the store supports credit card payment. Then you can select the goods you want to buy in the store, add them to the shopping cart and make payment. The payment method is credit card, and you can complete the payment by entering the validity period of the credit card, CVV2 code, mobile phone verification code and transaction password.
2. Offline consumption:
It can also be divided into two ways, one is to spend by swiping the POS machine, and the other is to pay by scanning the code.
1) spending by swiping the POS machine: the premise is to bind the credit card to the mobile phone or other mobile payment devices, then call out the credit card, put the mobile phone near the POS machine, and you can complete the payment when you hear a drip.
2) code scanning payment: you can bind a credit card to WeChat and Alipay, then scan the QR code of the store, select the payment method as credit card payment and enter the password. You can also open the mobile phone Alipay/WeChat, show the payment code of the bound credit card to the merchant, and let the merchant scan the code with a scanning gun for payment. 1) swipe the POS machine to spend
Extended information:
Credit card application:
If a customer wants to apply for a credit card, he can directly bring his personal ID card and income proof (such as bank flow and payroll) to the counter of the offline business outlet of the selected bank to ask the staff to apply for a card, then get the application form and fill it out, and then hand it over to the staff together with the information. After that, just wait patiently for the bank's approval.
After the bank's approval is completed, it will naturally send a message to inform the customer. If it is approved, it will make a card for the customer and then mail the prepared card to the customer. The customer can activate the card after receiving it and use it.
of course, customers can APPly directly at the bank official website, mobile banking client or credit card app besides going to the outlets. However, we need to note that if you apply for a bank's credit card online for the first time, you may have to go to the bank for a face-to-face interview afterwards.
customers should pay attention to keep the phone open after submitting the card application, because some banks may call to ask customers some relevant information during the audit. In this regard, if the call is not received in time, it may have a certain impact on the card approval.
Credit card withdrawal:
When applying for a credit card, the bank will approve the amount according to the applicant's comprehensive qualifications, and the credit card can also be withdrawn during use. The methods are as follows:
1. Spend more by swiping your card
If you want to withdraw your credit card, you should spend more by swiping your card, and swipe your card wherever you can. It is best to keep a stable consumption record for several months before applying for withdrawal, and it is best to swipe about 2 cards every month, and the merchants who swipe your card should also be diversified.
2. Appropriate installment
Appropriate installment is beneficial to credit card withdrawal, but it is best not to make the installment too long, 3 to 6 installments are enough, and the installment amount should not be too large. For example, it is very appropriate to apply for staging after spending on some holidays, and the success rate of raising the amount is also high.
Third, keep a good credit card record
If you want to withdraw the credit card, a good credit card record is essential, because it is impossible to withdraw the credit card if there is a bad record on the credit information, so you must repay the credit card on time to avoid overdue and illegal operations such as cashing.
three methods of withdrawing cash without credit card
three methods of withdrawing cash without credit card:
1. log in to the online bank to make an appointment for withdrawal, and then use the reserved withdrawal number, relevant information and verification code provided by the system to withdraw cash at the ATM.
2. Click on the card-free cash withdrawal sign of ATM, then scan the QR code with your mobile phone, and you can successfully enter the credit card (debit card) account, and then run the card-free cash withdrawal according to the information reminder.
3. Log in to the mobile banking to make an appointment for withdrawal, and the subsequent withdrawal process is the same as online withdrawal.
how to use ICBC's cardless credit card?
If you mean the ICBC Platinum Digital Card, the card can be tied online for use.
1. Intra-bank channels: Credit card binding can be completed through the "Digital Card Zone" of ICBC E Life, mobile banking and the "One-click Card Binding" function of ICBC E Life. Among them, through the operation of "one-key card binding" function, the card needs to be added as the ICBC mobile banking registration card in advance.
2. Off-bank channels: customers can go to third-party platforms (WeChat, Alipay, Meituan, JD.COM, etc.) to complete the self-service card binding of ICBC Platinum Digital Credit Card.
for other cards, you can call the 95588 customer service hotline for details.
(Answer time: July 19, 221. In case of business changes, please refer to the actual situation. )
that's enough for the introduction of how to use a credit card without a card.