1. To apply for a dual-currency credit card, the applicant must agree to abide by the Articles of Association, fill in the application form, provide relevant supporting materials and submit it to the issuing bank for review. The applicant shall be responsible for the authenticity of the application form and the contents of the certification materials.

2. Organs, organizations, armed forces, enterprises, institutions and other organizations (hereinafter referred to as units) that have opened basic deposit account in domestic financial institutions may apply for unit cards with the basic deposit account Account Registration Certificate and relevant supporting documents approved by the People's Bank of China.

The cardholder of the unit card shall be designated in writing by the legal representative (person in charge) of the unit or its authorized agent. All transactions of each cardholder are credited to the dual-currency credit card account of the company, and the company bears the repayment responsibility. The unit may apply to cancel the cardholder qualification or change the cardholder at any time.

3. A natural person with full capacity for civil conduct and repayment ability may apply for a personal card master card with his/her valid identity document and relevant supporting documents, or apply for a supplementary card for other natural persons with full capacity for civil conduct or natural persons with limited capacity for civil conduct (with the permission of his/her legal representative).

You can apply for up to three supplementary cards for each main card. The main cardholder can apply for cancellation of the supplementary card at any time. All transaction funds of the secondary card and corresponding interest and expenses are credited to the account of the primary card, and the cardholder of the primary card bears all repayment responsibilities.

The main cardholder and the supplementary cardholder with full capacity for civil conduct shall be jointly and severally liable for the debts owed to the bank, while the supplementary cardholder with limited capacity for civil conduct shall only be liable for the debts incurred by the supplementary card held by him.

Function:

Dual-currency credit card has the functions of consumption, cash withdrawal and transfer settlement.

Extended data:

charging item

(charging standard)

annual fee

Business Card: Gold Card 200 yuan/Card, Ordinary Card 100 Yuan/Card.

Collect in advance by year. There is no refund after collection.

Personal Gold Card (and China Eastern Dragon Silver Card): main card 160 yuan/card, and auxiliary card 80 yuan/card.

Personal ordinary cards: main card 80 yuan/card, supplementary card 40 yuan/card.

Longka automobile card: the main card is 200 yuan/card, and the auxiliary card 100 yuan/card.

skill

1, spend first and then repay, no need to deposit in advance, lead the fashion life, and fully demonstrate your dignity and taste.

It has a dual account of RMB and USD, which can be used both at home and abroad. Domestic (including overseas transactions through UnionPay network) transactions are credited to RMB account, and overseas transactions are credited to USD account.

3. The function of "domestic consumption password optional" is the first in China, which can be flexibly selected according to personal card habits to meet your different needs.

4. Provide monthly statement to facilitate your financial management. The repayment methods are flexible and diverse.

5. Carefully select national preferential merchants to provide you with many discounts on food, clothing, housing and transportation, so that you can always experience VIP courtesy.

6. If your card is lost, you can report it by phone. After the loss report comes into effect, our bank will provide guarantee, and you don't have to bear any financial risks.

7. If there is any dispute about any consumption payment, you can enjoy priority treatment, pay after verification, and feel more at ease with your card.

8. When you lose your card overseas, provide emergency card replacement and emergency cash withdrawal services to help you continue your beautiful trip and make you feel intimate even when you are overseas.

9. Set up a 24-hour service hotline with business outlets all over the country to serve you anytime and anywhere.

Activate bank card

Because the credit card application is approved by post, there is no guarantee that the recipient is the applicant. In order to protect applicants and banks from being stolen, credit cards have card opening procedures before they are officially opened.

Card opening is mainly through telephone or internet. , check the relevant personal information provided at the time of application, and go through the card opening procedures after meeting the requirements. At this time, the applicant becomes the cardholder and can officially start using it after signing on the back of the card.

After a credit card is opened, it is generally necessary to set a password for the card. After accepting a credit card, a credit card merchant or bank shall review the validity of the credit card and the identity of the cardholder.

identify

The credit card has at least the following information on its surface:

Front: name and logo of the issuing bank, credit card type (organization logo) and holographic anti-counterfeiting logo, card number, English or pinyin name, activation date (generally calculated to month) and effective date (generally calculated to month). The chip is attached to the front of the newly issued card, and the chip account and the card magnetic stripe account are two relatively independent accounts.

Back: the magnetic stripe of the card, the cardholder's signature column (which must be signed after activation), the service hotline, the four or all digits after the card number (to prevent fraudulent use), and the credit card security code (the three digits immediately after the signature column on the back of the credit card are used for credit card activation, password management, TV, telephone and online transactions, etc. ).

approve

The merchant and the bank confirm that the credit card is valid and contact the bank for authorization according to the contract signed with the issuing bank. Authorization is to further prove the identity of the cardholder and the amount that can be used. Authorization is generally carried out when the usage specified in the contract is exceeded.

After receiving the authorization notice, the issuing bank will issue an authorization instruction according to the balance of the cardholder's deposit account and the agreement that the bank allows overdraft, and reply whether to agree to the transaction.

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