CCB Financial Platinum Card is not a credit card, but a kind of debit card. The wealth management card of CCB is a multi-currency comprehensive financial product provided by CCB to middle and high-end customers. It can enjoy preferential treatment, financial consultation and other distinguished services provided by CCB, and it is also a symbol of customers' distinguished status. The difference between CCB financial platinum card and credit card:

(1) Different distribution targets

CCB financial card is a multi-currency comprehensive financial product provided by CCB to middle and high-end customers, while CCB credit card is for all ordinary users.

(2) Different validity periods

CCB wealth management cards are debit cards, and debit cards generally have no validity period limit; Credit cards generally have a limited validity period, which is usually 3-5 years.

(3) Different charging types

The CCB wealth management card charges an account management fee on a monthly basis, while the credit card charges an annual fee, and the charging standards are different.

(4) Different consumption patterns

Debit card users consume their own money in the bank, while credit card customers consume bank money. Credit cards can enjoy the preferential policy of spending first and paying later.

China Construction Bank-Bank Card-CCB Financial Card

Baidu Encyclopedia-Credit Card

Baidu Encyclopedia-Debit Card