China Construction Bank reserve fund is also a credit card reserve fund. It is actually the cash withdrawal limit given by China Construction Bank to cardholders. This part of the limit does not occupy the credit card limit. After application, you can repay in installments, and the credit card bill will be merged into the credit card bill. .
China Construction Bank can repay in multiple installments such as 3, 6, 12, 24, 36, etc., and needs to pay a certain proportion of handling fees.
Credit card reserve means that the bank grants cardholders a sum of credit card funds in addition to the credit card limit. It is not a credit limit and cannot be withdrawn in cash. It can only be used for credit card swiping. Moreover, these limits do not charge interest but only processing fees. Credit card reserve business is generally initiated by banks by invitations to cardholders, and opening the reserve business will also increase the overall score, thereby increasing the fixed limit of the credit card.
Users need to call the credit card customer service hotline 95533 to apply for the reserve fund of CCB credit card. This reserve cannot be withdrawn in cash and can only be spent at merchants that cooperate with the bank.
After using the reserve fund, you must repay it within the specified time. If you cannot repay it on time, the bank will charge double the overdue interest, which will also affect your personal credit score.
Therefore, when applying for CCB reserve funds, you must evaluate your repayment ability in advance and consume rationally.
Main features of credit card:
1. Credit card is one of the fastest growing financial services today. It is an electronic currency that can replace traditional cash circulation within a certain range. ;
2. Credit cards have both payment and credit functions. Cardholders can use it to purchase goods or enjoy services, and can also obtain certain loans from card issuers by using credit cards;
3. Credit cards are high-tech products that integrate financial services and computer technology.
4. Credit cards can reduce the use of cash;
5. Credit cards can provide settlement services, facilitate shopping and consumption, and enhance a sense of security;
6. Credit cards It can simplify the collection procedures and save social labor;
7. Credit cards can promote product sales and stimulate social demand.
Main types
According to different card issuers, they can be divided into bank cards and non-bank cards
Bank cards. This is a credit card issued by a bank. Cardholders can shop at the card-issuing bank's special merchants, and can also withdraw cash at any time at any branch of the card-issuing bank or at places with ATMs.
Non-bank card. Such cards can be specifically divided into retail credit cards and travel and entertainment cards. Retail credit cards are credit cards issued by commercial institutions, such as department stores, petroleum companies, etc., which are specially used for shopping in designated stores or refueling at gasoline stations, etc., and are settled regularly. Travel and entertainment cards are credit cards issued by the service industry, such as airlines, travel companies, etc., used for purchasing tickets, meals, accommodation, entertainment, etc.
According to the different objects of card issuance, it can be divided into corporate cards and personal cards
Corporate cards. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, national party and government agencies, military units, groups and other legal entities.
Personal card. Personal cards are issued to urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable sources of income. A personal card is applied for in the name of an individual and he/she bears all responsibilities for using the card.