JOY CCB Credit Card is UnionPay Platinum Card, with annual fee of 580 yuan/card for the main card and 300 yuan/card for the auxiliary card. Each card will be spent by swiping it every year, and the annual fee will be exempted if you accumulate 10 (unlimited amount). If you want to open an instant messaging service, you need to pay the 3 yuan fee every month. If the domestic and foreign stolen brush transactions meet the claim conditions within 48 hours (inclusive) before the loss report, you can enjoy the compensation guarantee of up to RMB 50,000 per year.

Because it is mainly designed for young customers, it is said that the minimum repayment amount of JOY card is as low as 5%, and the minimum repayment amount is not lower than 200 yuan RMB or US$ 50. If the accumulated outstanding transaction principal is not less than 200 yuan RMB or USD 50, the minimum repayment amount shall be the sum of the accumulated outstanding transaction principal.

What are the rights and interests of CCB Longka Happy Credit Card?

1 Cash back for consumption: Before 20021165438, cardholders used the JOY card of Longka in Hong Kong, Macau, Taiwan Province Province and overseas, and each consumption was cashed back by swiping the card, flash payment (including flash payment in the card and mobile payment) and China UnionPay Express APP. A single card can get up to 1000 RMB in a natural month.