Longka Yidai Card is a credit card. Application conditions for Longka Yiloan Card: Any individual who is over 18 years old, has full capacity for civil conduct, has legal and stable sources of income, and has good credit standing can apply to the bank's card issuer with his or her valid identity document.

Application amount: A single card payment of RMB 1,000 or its equivalent in foreign currency shall be made, and the total amount shall not exceed the permanent credit limit and generally shall not exceed RMB 50,000. The minimum application amount is RMB 500, and the maximum amount cannot exceed 90% of the total RMB consumption amount in the issued bill.

Application time: after consumption to 2 days before the latest bill date. From the day after the billing date to the final repayment date.

Advantages and Disadvantages of China Construction Bank Yi Loan Card

Advantages:

1. The base fee for automatic installment of Longka Yi Loan Card is 5‰/month, on a monthly basis Charge. Minimum 4.0 during the event.

2. If you need to repay the Longka Yidai automatic installment loan in advance, the cardholder can apply to our bank. After approval, the remaining unrecorded principal of all installments will be repaid in one go. The remaining handling fee will not be charged. Charge again.

Disadvantages:

1. Too many restrictions. The Longka Yidai Card is a UnionPay RMB single currency card, which can be used for card transactions at merchants on the UnionPay network, except for real estate, securities, insurance and other merchants. .

2. Accounting for the credit card limit. The automatic installment amount of the Longka Yidai Card occupies the cardholder’s available credit limit, which will be restored in equal amounts based on the actual monthly repayment amount. The investment installment plan is separate, Everbright Lehuijin is separate, CITIC is separate, etc.

3. It is prohibited to apply for temporary limit adjustment for our credit cards in the name of customers who have applied for the Longka Yi Loan Card.