“The annual fee of China Construction Bank is 580. After the user completed the recharge, the annual fee was not refunded in time because the annual fee was not refunded in real time. After completing the recharge, the user must contact customer service to indicate that he has completed the repayment. Then ask customer service to inform you of the specific refund time of the annual fee. The time notified by customer service is for reference only. Please refer to the annual fee refund time displayed on the page. Of course, as long as the user completes the re-swipe, the annual fee of 580 will be refunded. If it is returned, the user only needs to wait patiently. ”_

The China Construction Bank credit card can be refunded after deducting the annual fee, but the cardholder needs to make a recharge within the specified time frame. After swiping, the annual fee will be refunded to the user's account before the end of the next month. Generally, three recharges are completed within 2 months after the annual fee is incurred. The annual fee will be returned to your credit card before the end of the next month after meeting the conditions.

Basic information:

Annual fee-free policy: Swipe the Gold Card 3 times to waive the annual fee for the following year (excluding special cards such as business cards and car cards)

Cash withdrawal handling fee: Domestic: 1‰ of the transaction amount, minimum 2 yuan, maximum 50 yuan; overseas: 3‰ of the transaction amount, minimum 3 US dollars.

Maximum interest-free period: 50 days

Multi-account management: enjoy unlimited quotas, independent billing days and independent repayments.

Online payment: Alipay: can be used after online registration, single and single-day limits are 5,000 yuan

Instalment business: support interest-free installments (3 installments, 6 installments) at specific merchants Issue, Issue 12, Issue 24). After a single purchase of more than 1,000 yuan, you can apply for installments (3, 6, or 12 installments) by phone. Each installment will incur different handling fees depending on the number of installments.

Billing date: 27th of every month, can be modified once a year.

Card type: Gold card (limit 10,000-50,000 yuan)

Currency: RMB

China Construction Bank Credit Card provides you with cash withdrawals (cash withdrawals) Services, cash withdrawals (cash withdrawals) are subject to a cash withdrawal fee. According to the relevant regulations of the People's Bank of China and the State Administration of Foreign Exchange, within the country, the cumulative amount of daily cash withdrawals (cash withdrawals) per card shall not exceed RMB 5,000 (excluding withdrawals at overpayment outlets);

China Construction Bank Dragon Card Credit Card is a credit card brand with 90 million customers. It adheres to the customer-centered concept and provides customers with professional financial services and convenient payment experience. There are more than 100 credit card products in multiple series, including Dragon Card Family Love Card, Global Popular Card, Tencent Game Card, etc., to meet customers' various consumption needs such as domestic and overseas transactions, family care, and installment financing. Special offers such as Dragon Card Saturdays, cash rebates for overseas purchases, and a variety of installment products help customers manage finances easily and consume smartly.

Cash withdrawal method:

Cash withdrawal (cash withdrawal) includes two situations: overdraft withdrawal and overpayment cash withdrawal. One is overdraft cash withdrawal, and the other is overpayment cash withdrawal.

Overdraft cash withdrawal is a small cash loan provided by China Construction Bank to help you flexibly deploy funds when you are in urgent need.

The overdraft cash withdrawal limit is set according to your card usage, and the maximum limit shall not exceed 50% of your credit limit. In addition to cash withdrawal fees, domestic and overseas overdraft withdrawals also require interest payments and do not enjoy interest-free treatment. Overpayment withdrawal means that you withdraw the funds stored in the card or the funds overpaid during repayment.

Overpayment can automatically increase the available limit of the main card, but does not increase the available limit of the supplementary card. If you need to increase the available limit of the supplementary card, the main cardholder should call our 24-hour service hotline to apply.

Currently, cancellation of bank card annual fees can only be done in the business hall.

How to cancel the annual fee for a bank card:

1. Bring your ID card and bank card.

2. Go to the counter of China Construction Bank to fill in the application matters: "Application Form for Special Business of China Construction Bank". Fill in: No annual fee, no small account management fee.

3. After approval by the bank teller and manager, you no longer need to pay annual fees and small account management fees.

If a customer has multiple accounts in a bank, the customer needs to bring his or her ID card and bank card to the bank counter to designate a free account. Accounts such as salary cards and social security cards are free accounts themselves and do not need to be designated as free accounts.

The annual fees and account management fees of 10 banks including Industrial and Commercial Bank of China, China Construction Bank, and China Merchants Bank. The annual fee for ordinary debit cards is generally 10 yuan/card/year.

At the same time, banks generally use the average daily deposit balance to delineate the threshold for collecting small-amount account management fees. Most of the above-mentioned banks use 300 yuan as the threshold for collecting small-amount account management fees. The charging standards are mostly 3 yuan/quarter/household. Postal Savings Bank will only impose a small account management fee of 3 yuan/quarter/account for current accounts with a quarterly average daily balance of less than 100 yuan.

Bank card

Bank card refers to a bank card issued to the society by approved commercial banks (including postal financial institutions) with all or part of the functions of consumer credit, transfer settlement, cash deposit and withdrawal, etc. credit payment instruments. Bank cards reduce the circulation of cash and checks, allowing banking business to break through the limitations of time and space and undergo fundamental changes. The application of the automatic bank card settlement system has made the dream of a "checkless, cashless society" a reality.

Starting from August 1, 2017, the annual bank card management fee will be cancelled, and some basic financial service charges of commercial banks will be suspended. On April 22, 2019, China UnionPay released the "China Bank Card Industry Development Report (2019)". On August 15, 2020, Baidu Company, Baixin Bank and China UnionPay launched the first domestic digital bank card - Baidu Quick Pass Card.

On August 31, China UnionPay released the first digital bank card “UnionPay Unbounded Card”.

On December 2, 2019, the "Regulations of the Supreme People's Court on Several Issues Concerning the Trial of Bank Card Civil Dispute Cases" was adopted at the 1785th meeting of the Judicial Committee of the Supreme People's Court. Effective from May 25, 2021 Implementation. It is clear that if the user's bank card is stolen and proves that he is not responsible, he can claim compensation from the bank. Bank cards make our lives more convenient.

Legal basis:

"Provisions of the Supreme People's Court on Several Issues Concerning the Trial of Bank Card Civil Dispute Cases"

Article 2: The card issuer has a legal relationship with the cardholder When entering into a bank card contract, the cardholder failed to perform the obligation to remind or explain the standard clauses such as interest, compound interest, fees, liquidated damages, etc., resulting in the cardholder not paying attention to or understanding the clause. The cardholder claimed that the clause did not become the content of the contract, and the cardholder claimed that the clause did not become part of the contract. If it is not binding, the People's Court shall support it.

The card issuer requires the cardholder to pay overdraft interest, compound interest, liquidated damages, etc. in accordance with the credit card contract, or to pay installment fees, interest, liquidated damages, etc., and the cardholder shall pay the total amount claimed by the card issuer. If a request is made for an appropriate reduction on the grounds that it is too high, the people's court shall comprehensively consider the relevant national financial regulatory provisions, the amount and period of outstanding repayment, the degree of fault of the parties, the actual losses of the card issuer and other factors, and make a measurement based on the principles of fairness and good faith. and make a ruling.

Article 8 When the card issuing bank concludes a bank card contract with the cardholder or activates the online payment business function, it fails to fulfill its obligation to inform the cardholder that the bank card has relevant online payment functions. The cardholder shall If a person requests not to be held liable for online fraud caused by the use of this function on the grounds that he has not reached an agreement with the card issuer on the disputed online payment terms, the People's Court shall support it. However, if there is evidence to prove that the cardholder agrees to use the online payment function, the application shall apply. Article 7 of these regulations stipulates.

When a non-bank payment institution adds a new type of online payment business and fails to perform its obligations stipulated in the preceding paragraph to the cardholder, it shall be handled in accordance with the provisions of the preceding paragraph.