what card starts with CCB longka credit card 35?

his credit card starting with 35 is a Transformers credit card issued in cooperation with JCB.

The financial function of this card is basically the same as that of other credit cards in his family. In addition, its points can be exchanged for exclusive genuine Transformers gifts.

Scope of use: Transformers Puka is a UnionPay -JCB dual-currency credit card, which can be used through UnionPay at home and abroad.

Transformers Gold Card and Platinum Card used in overseas JCB network are JCC. It can be brushed at overseas JCB merchants and JCB machines, or at special merchants, outlets and self-service equipment of CCB in China. However, this card has the preferential treatment of RMB for foreign currency transactions, free of foreign currency exchange fees, and if it is processed before September 14, 15, you can also enjoy the policy of free annual fee within the validity period of the card, which is generally good.

how to play with a credit card

To play with a credit card, you must know something about it.

How to identify a credit card:

62 starts with China UnionPay card.

4 starts with VISA Global Payment Card (which is more widely distributed than MasterCard, with the largest number in Asia and Europe).

5 starts with MasterCard global payment cards (most in America).

37 starts with American Express.

35 starts with Japanese JCB card.

How to increase the credit card limit:

1. The amount of credit card is as large as possible, and the total consumption in half a year is at least 3% of the limit;

2. Spend as many times as possible, with an average of more than 1 transactions per month, and it is easier to withdraw the amount when it reaches more than 2 transactions;

3. There are many types of consumer merchants, such as shopping malls, supermarkets, gas stations, restaurants, hotels, tourism and entertainment places.

4. The less bulk consumption such as wholesale and house purchase and car purchase, the easier it is to raise the amount;

5. The less online shopping, Alipay transaction and cash withdrawal, the easier it is to approve the application for increasing the quota;

6. The type of merchants who swipe their cards cannot always be similar to the business scope of their company.

Use overdraft as little as possible:

At present, if you use Xingye's "Starry Night Constellation Credit Card", you can transfer the amount at one time through the client APP, and there is no handling fee.

interest: advance cash does not enjoy interest-free repayment. From the date of cash withdrawal to the date of settlement, interest will be charged at the daily rate of .5 ‰, and compound interest will be charged on a monthly basis.

limit (in most banks): the advance cash limit is generally 5% of the credit limit (except for cards with special provisions). At the same time, the maximum daily cash advance for each card in China is RMB 2,; The cumulative amount of cash advanced by each household on overseas non-UnionPay lines shall not exceed the equivalent of US$ 1, per day, US$ 5, within one month and US$ 1, within six months.

Some banks may have some free policies for platinum cards. Please consult the banks for details.

Credit card withdrawal fee (Guangfa Bank):

1. Withdrawal interest: overdraft withdrawal does not enjoy interest-free period. From the date of withdrawal, the handling fee and principal will be charged at a rate of .5 ‰ per day until it is paid off, with a minimum of ￥ 1/$1.

2. handling fee: domestic overdraft withdrawal is charged at 2.5% of the principal, with a minimum of ￥1/ transaction, and self-owned deposit/platinum card is exempted (except Zhenshang/Zhenxiang/Zunyue Platinum Card);

overseas (including hong kong, Macao and Taiwan) is charged at 3% of the principal, with a minimum of ￥ 15/$3.

note: there is no extra charge for inter-bank cash withdrawal.

In mainland China, the fees and interest charges for cash overdraft with Guangfa Credit Card are as follows:

Fees = withdrawal principal ×2.5% (the minimum fee is RMB1 yuan);

daily interest = (principal and handling fee) ×.5, which is calculated from the day of overdraft until the repayment is received. There is a minimum charge limit, and the minimum monthly fee is 1 yuan RMB.

ATMs can withdraw cash up to 15 times a day, and the accumulated daily "overdraft withdrawal" amount is 5, yuan (2, yuan in Shanghai). If it exceeds this amount, please present your original ID card and card to our outlet for withdrawal.

when spending, spend on the second day of the billing date.

you can enjoy an interest-free repayment period of 5-56 days. It takes 56 days for Bank of Communications, 5 days for other banks and 48 days for investment promotion.

pay more by installment.

installment payment by credit card of China guangfa bank:

installment payment by each bank: refers to that the cardholder can apply for repayment of the principal and handling fee in installments from the time of consumption to the current billing date (inclusive), subject to the audit results. You can freely choose 6/12/18/24 installments (one installment per month), and the handling fee for each installment is only .7%/.7%/.72%/.72% of the transaction principal, which will be deducted from each installment.

bill installment: refers to the period from the day after the billing date to two days before the final repayment date, the cardholder can apply for repayment of the current bill arrears (6/12/18/24 installment) by installment, and the corresponding handling fee for each installment is only .7%/.7%/.72%/.72% of the transaction principal, which will be deducted by installment. The result and handling amount shall be subject to the bank's review.

Financial Wisdom Fund is an innovative financial management service for credit card holders. It can apply for an additional RMB cash advance, which can be used freely and flexibly, and can be easily repaid in installments of 6/12/18/24 months. Only the handling fee of .75% of the principal is paid in each installment, and it can be returned to the credit card at the time of application according to the monthly bill. The approved amount/result is subject to review.

note: the application amount is 1, times, starting from ￥ 2,, and the money is transferred to the current savings account of a domestic bank in my name. Deduct the transfer fee from the credit card, which is RMB 1/transaction for our bank and RMB 2/transaction for inter-bank.

Credit card installment payment of China Merchants Bank:

The billing installment can be divided into the shortest 2 installments and the longest 24 installments; Unpaid bills can be divided into the shortest 2 installments and the longest 12 installments; The first phase lasts for one month. The bill installment fee is included in the monthly bill for installment repayment, and the fee for each installment = total installment amount × fee rate. Phase 2 rate is 1.%/ period; The third installment rate is .9%/ installment; The rate for the 6th installment is .75%/ installment; The rate for the 1th installment is .7% per installment; The rate for the 12th installment is .66%/ installment; The rate for the 18th installment is .68%/ installment; The rate of 24 installments is .68%/ installment.

at present, the number of cash installments is divided into 3 installments, 6 installments, 1 installments, 12 installments, 18 installments and 24 installments, and the handling fee rate of each installment is .95%, .8%, .75%, .75%, .75% and .75% respectively. The principal of each cash installment and the handling fee of each installment are fully included in the minimum repayment amount of the current bill.

warm reminder: handling cash installment business does not charge advance cash handling fee and advance cash interest.

The handling fee of Zunshang Platinum Installment Card is charged on a monthly basis. At present, during the preferential period of listing, the rates of each installment are .85% for 3 installments, .7% for 6 installments, .65% for 1 installments, .61% for 12 installments, .63% for 18 installments and .63% for 24 installments.

Note: The standard handling fee rate of China Merchants Bank's automobile installment business is 5.5% for the 12th installment, 1.5% for the 24th installment and 14.5% for the 36th installment; At present, there are a number of best-selling models, and the installment fee is . Please refer to the homepage information of the website.

As long as you are willing to bear the interest, you can set up credit card bills of two banks to repay each other:

For example, you can repay each other with China Merchants Bank Card and Bank of Communications Card. The minimum repayment date of Bank of Communications is 25 days after the bill date and 18 days after the bill date. ? You can fix the billing date of bank A, calculate the final repayment date A, and then change the billing date of bank B to "two days before the final repayment date of bank A (a-2)".

according to the current billing date of China Merchants Bank, it is 3, 5, 6, 7, 9, 1, 12, 15, 16, 17, 18, 19, 2, 22 and 25, and the corresponding final repayment date is 21, 23, 24, 25, 27 and 25. We can fix the billing date of China Merchants Bank A as 3A and calculate the final repayment date as 21st, then change the billing date of Bank of Communications B to, two days before 21st (19th).

if we use the card of China merchants bank on October 4th, 215, we need to use the card of bank of communications to withdraw cash before November 21st, 215 (November 2th, 215) after the bill is issued on November 3rd, 215. Since the billing date of Bank of Communications is 19th, the bill will not be issued until 19th of next month (December 19th, 215) for the consumption one day after the billing date. You can use the cash withdrawal from China Merchants Bank to pay back the traffic 25 days after the bill (around January 14th, 215).

So we have to bear the interest of the two banks:

For example, on October 4th, 215, we used the card of China Merchants Bank to spend money in 1 yuan, and after the bill was issued on November 3rd, 215, we need to withdraw it with the card of Bank of Communications on the day before November 21st, 215 (November 2th, 215).

in the first stage, China Merchants Bank * * * paid a total interest of 48.5%1=24 yuan after 48 days. Since the billing date of Bank of Communications is 19th, the bill will not be issued until 19th of next month (December 19th, 215) for the consumption one day after the billing date. In the second stage, the Bank of Communications paid the total interest of 55.5%1=27.5 yuan after 55 days. In the third stage, from January 14th, 215 to February 3rd, 215, China Merchants Bank will pay interest of 18.5%1=9 yuan.

interest will be paid to two banks in three stages: 24+28+9=64 yuan. Enjoy the repayment period: from February 3, 215 to October 4, 215, the total period is about 12 days. Cash withdrawal with China Merchants Bank Weibo Daren Card is free.

if you are a tall person with great achievements, it is recommended to apply for a platinum credit card.

Benefits of Platinum Credit Card (take Guangfa Platinum Credit Card as an example):

With Guangfa Platinum Credit Card, you can enjoy the VIP room of high-speed rail (other banks don't have it at present), the VIP room of airport and other value-added services:

Green channel for medical treatment: you can enjoy the VIP appointment registration service and the medical guidance service for three times a year in major domestic cities free of charge, giving priority to the appointment of designated time and the appointment of experts, and being accompanied and assisted by experienced guidance staff.

VIP courtesy for business travel:

● Intimate VIP courtesy, quiet and comfortable exclusive space, and leisurely green passage

1) Airport VIP courtesy: exclusive lounge, agency procedures, boarding reminder, remote ferry, etc.

2). VIP courtesy of high-speed rail: convenient location, close to the ticket gate, escort by special personnel and priority boarding.

● You don't need to make an appointment, and you can enjoy the VIP treatment of Guangfa exclusive airport and high-speed rail for unlimited times.

You will be provided with Longteng card for free, and you will be given the VIP treatment of Longteng Airport for 6 times (6 o'clock) and Longteng high-speed rail for 4 times (2 o'clock) a year. Only 15 yuan/point will be charged if the bonus points are exceeded.

● Covering more than 2 major cities at home and abroad, such as Beijing, Shanghai, Guangzhou, Shenzhen, Hongkong, Tokyo and new york.

Tips:

1). The VIP courtesy of the airport and high-speed rail is limited to my own use. If you use the escort, you will have to pay: the escort fee for the VIP room of Guangfa exclusive airport/high-speed rail is subject to the quotation published on the spot; Longteng Airport/VIP room of high-speed rail will be accompanied by 15 yuan/point.

2). Due to the different conditions of VIP rooms in different places, the service items, service facilities and service processes that can be provided are also different. Please refer to the actual local services for details.

giving away multiple points (exclusive to Platinum Card): you can enjoy 3 times of points accumulation when you spend money in business travel or overseas merchants with Guangfa Platinum Credit Card.

High travel accident insurance: RMB 5 million travel accident insurance is included with the card, which can also benefit the family members of the same company, so that the cardholders of Guangfa Platinum Credit Card can enjoy intimate protection every trip with their families.

Emergency car calling service: If Guangfa Platinum Credit Card holders need to use the car temporarily for business trips or travel holidays, they only need to call the service hotline, and Guangfa Bank will arrange a special car for Guangfa Platinum Credit Card holders to use, with exclusive preferential prices.

global preferential merchants: global preferential merchants enjoy VIP privileges, exclusive privileges and discounts for top merchants such as five-star hotels, high-end restaurants and luxury brands.

global travel support service: when GDB Platinum credit card holders encounter difficulties when traveling or going on business, they can call the 24-hour global emergency support service hotline at any time and enjoy a number of emergency support services, including: emergency card replacement, emergency cash advance, translation service, lost luggage assistance service, etc.

international personal assistant: when the cardholder of GDB Platinum Credit Card or the cardholder's family is abroad, the cardholder of GDB Platinum Credit Card can call the 24-hour platinum service hotline at any time, and provide intimate services such as restaurant reservation, hotel reservation and medical treatment according to the cardholder's needs.

VIP service line: 24-hour VIP service line, with exclusive secretarial services provided by senior service specialists.

exclusive fee waiver: GDB Platinum Credit Card holders can enjoy a number of fee waivers, such as the domestic fee for accessing the consumption list, the fee for accessing the overseas banknote issuance certificate, and the over-limit fee.

Counter priority service: Guangfa Platinum Credit Card holders can enjoy VIP priority service at the outlets where the VIP service window of Guangfa Bank is opened, and give priority to various businesses.

integral mall commodity exchange discount: Guangfa Platinum Credit Card holders can enjoy a 15% discount on all commodities in integral mall Platinum Zone of Guangfa Bank, which makes the points of Guangfa Platinum Credit Card holders appreciate faster.

Automatic RMB settlement for global transactions: the function of "RMB World Link" will be automatically opened for Guangfa Platinum Credit Card holders, and all overseas international transactions will be automatically converted into RMB transactions, which can be repaid directly in RMB through the RMB repayment channel, thus avoiding the formalities of purchasing foreign exchange for Guangfa Platinum Credit Card holders and saving expenses.

Free transaction security guards: Guangfa Platinum Credit Card holders use their cards to protect them. When the cardholder's card is lost, stolen, forged credit card or card information is leaked, Guangfa Bank will provide compensation guarantee regardless of whether it is paid by password. There is also a free transaction reminder SMS, so that Guangfa Platinum Credit Card holders can always grasp the changes in their accounts.

exclusive service of owner's Platinum Credit Card:

Refueling cash back is in your hand: you can enjoy generous cash back by swiping your card to refuel, with a monthly refund rate of 1% for the amount below 1 yuan (inclusive), 3% for the amount from 1,1 yuan to 2, yuan (inclusive), and no refund for more than 2,1 yuan. Up to 156 yuan can be returned every year!

road rescue: enjoy unlimited road rescue throughout the year, free rescue services such as towing, oil delivery and quick repair within 1 kilometers, and provide free local accommodation arrangement or scooter pick-up service when necessary.

drunk driving is safe and considerate: the drunk driving service of Guangfa Credit Card is newly upgraded. Log in

and download the e-driver client, and you can easily make a reservation by registering with your mobile phone number. E-road is safe and considerate, and you can enjoy six free drunk driving services throughout the year.

high insurance is safe and worry-free: the highest RM comes with the card.