Is the CCB Yidai Card easy to use?
The CCB Yidai Card is a credit card product launched by China Construction Bank. The Yidai Card has the basic financial functions of a CCB credit card. You can consume first and repay later, enjoy an interest-free period, and can also provide services such as cash withdrawals. Although state-owned banks such as China Construction Bank and Agricultural Bank of China have relatively higher thresholds when applying for credit cards, and the approval process will be stricter, as long as the applicant meets the conditions for applying for a Construction Bank loan card, it is still possible. handled. First of all, the applicant must meet the age requirements and be a legal Chinese citizen over 18 years old; secondly, the applicant must have a stable job and income, and have the ability to repay debts after consumption; thirdly, the applicant must have a good personal credit record , there is no record of overdue or unpaid debts, and finally other conditions stipulated by China Construction Bank must be met. Only users who meet the requirements can apply for CCB Yidai Card.
What about CCB Yidai Card?
Longka Yidai Card can automatically carry out installments, and then repay according to the agreed number of periods. Currently, Longka Yidai Card provides users with The installment plans include 3, 6, 12, and 24 installments. 12 installments is the default number of installments when the card is issued. After receiving the card, users can call the customer service hotline to modify the default number of installments. When making monthly installments, cardholders can adjust the default number of installments according to their own circumstances. Choose the period that suits you best. The current benchmark handling fee for automatic installment of Yidai Card is 5‰/month, and the lowest handling fee during the event is 4.0‰/month. Repayment is also more flexible and can be repaid in advance. If there is a need for early repayment, the user only needs to apply for early repayment to China Construction Bank. After the application is approved, the remaining amount will be repaid in one go, and the remaining handling fees will not be charged. . The annual fee for the Longka Yidai Card gold card is 160 yuan/year, and the standard platinum card is 580 yuan/year. It currently enjoys a no annual fee policy within the validity period.
In addition, Longka Yidai Card also enjoys exclusive rights and interests. Platinum cardholders of Yidai Card can enjoy priority services such as CCB 400 customer service and disputed payment processing. Exclusively enjoy platinum secretarial services, platinum preferential merchant services and other services provided by China UnionPay. Cardholders of the Longka Yidai Card also enjoy travel protection services. They can use the card to purchase air tickets or pay for travel expenses. Cardholders can enjoy high aviation accident insurance protection of 5 million yuan for platinum cards and 1 million yuan for gold cards.