Hello, generally speaking, it is unlikely that you will come to your door if you owe 3,000 yuan to a China Construction Bank credit card. The bank must outsource it to a third-party company, with the purpose of urging you to repay; because the amount is relatively small, it is not very likely. They will come to you to collect the money; but since the bank has told you, you have to pay it back as soon as possible, otherwise it will affect your credit report.

1. The method for applying for a CCB credit card is as follows. Method 1: Apply for a CCB debit card, preferably a salary card. Nowadays, most companies pay wages on behalf of the bank. If your salary card happens to be a debit card from China Construction Bank, when applying for a credit card, the probability of a card being issued is generally higher, and the amount is usually higher than that given by other banks. Method 2: Meet the conditions for priority credit card processing. If your fixed assets, personal credit and bank deposits are high, it is easy to apply for a credit card. Credit card salespeople are eager to have customers like you. They may even offer to apply for a credit card for you in person. The most representative cards of this type are platinum cards and a few black gold cards. The amount is quite high.

2. Method 3: Recommended by senior credit card holders. If you have a friend who uses a credit card from China Construction Bank, his credit rating and the rating of the card he holds are very high. If he recommends you to apply for a CCB credit card, the sales staff will process it for you immediately. The success rate and speed of credit card issuance are very fast. Method 4: Choose a suitable third-party institution to handle credit cards. Choosing a third-party institution to handle credit cards is currently the most popular method. Choose an officially authorized website, fill in the information online, and a salesperson will come to your door for service. The editor strongly recommends that you use this method to apply for a CCB credit card.

3. The functions of China Construction Bank credit card are as follows: direct consumption function. This is the most basic function of a credit card. Cardholders can use the card to settle payments at designated merchants with Bank of China Great Wall Credit Card, including shops, hotels, restaurants, entertainment venues, airports, hospitals and other places, instead of using cash.

4. Savings deposit function. Banks calculate deposits and petty cash in credit card accounts as savings deposits at prescribed interest rates. Transfer settlement function. Cardholders can use the card to transfer funds from their accounts within the Chinese banking business structure. ATM withdrawal function. Cardholders can withdraw money at Bank of China branches and ATMs in the province. Overdraft credit function. Cardholders can withdraw cash and use funds within the limits allowed by the card issuer, while overdraft interest is calculated and charged.