1. The best use of CCB points is to exchange for Sinopec fuel cards, 100 fuel cards are worth 54,000 points.
2. The most practical CCB card: Dragon Card.
Each 25,000 Dragon Card points are redeemable for 100 yuan, and 10,000 points are worth 40 yuan.
3. Independent newspaper, repayment separately. One CCB card, one letter from the newspaper, one RMB account for single-label UnionPay card, one RMB and US dollar for dual-label card and Visa/MasterCard/JCB single-label card. European Travel Cards have Euro accounts.
4. CCB’s temporary quota. CCB often provides a temporary quota. This temporary limit is for credit purposes and can be disguised as a large-deposit card.
5. CCB’s points are not good. I hate CCB’s online shopping and wholesale.
I don’t like online points. The current activity is only on Saturdays where you can pay double points with Alipay and WeChat.
And there are too many types of merchants that do not support points offline, plus blacklisted merchants. So you have to use snacks to earn CCB points.
6. CCB’s free text messages only remind transactions of more than 500 yuan, not 500 yuan, unless you have to spend money to activate it, which is 3 yuan per month.
7. CCB’s overseas cashback is very powerful. Recommended card types: Global Payment UnionPay Single Standard, Global Hot Purchase U/V/M Single Standard, Japan Travel and Transformers 4JCB Single Standard.
CCB’s foreign currency card is enabled for RMB-accounted foreign currency consumption by default.
8. CCB annual fee policy: Gold card can be waived 3 times/year, Global Payment Titanium Platinum can be waived 6 times/year, and Little Platinum can be waived 10 times/year. Visa/MasterCard/JCB single-label cards are exempt from the validity period.
9. Most of CCB’s small platinum cards will be issued in batches of 10,000 pieces. Gold Card customers can try the two-card curve to increase the limit.
It is said that CCB’s 4-in-1 exchange rate starts at 20,000 yuan.
10. CCB delay insurance: CCB aviation co-branded cards, various travel cards, global payments, global hot purchases, etc. There is delay insurance, and a card is required to purchase tickets. Every 4 hours = 200 yuan, calculated based on departure time.
1. It is not easy to adjust CCB’s quota, and the fixed quota is basically not increased. Commonly known as credit card limit, that is, lifetime limit.
12. CCB’s recording time: Transactions made after 18:00 will be recorded by CCB on the next day. Friends who want to do something on bill day, please do it as soon as possible.
13. CCB does not like multi-line customers, and it is difficult to approve customers above 5 lines. If you want to apply for a CCB card, please hurry up.
14. CCB’s post-loan management is very frequent. Click the button to apply for adjustment and conduct a credit check.
15. After the marketing card is created, no matter how long it takes, it will not be considered a new customer. Related Q&A: What is the general credit limit of China Construction Bank Gold Card? Haima Emergency Advertisement
High credit limit, low threshold and low interest rate
The overdraft limit available for bank credit cards refers to the bank’s overdraft limit based on the cardholder’s income and credit standing. The maximum limit that can be used for overdraft consumption and cash withdrawal is determined by the cardholder under other circumstances, and the cardholder can use it repeatedly within the validity period of the credit card. The overdraft limit of CCB Gold Card varies depending on personal circumstances, starting from a minimum of 10,000 yuan.
Credit card limit increase:
1. Frequency of use: Frequent use of credit cards, regardless of the amount, as long as the card can be swiped, it will definitely be swiped.
2. Amount: It is best to produce monthly bill consumption that is at least 30% of the total amount.
3. The bill for card consumption must be for 3 consecutive months without interruption, that is, there must be consumption every month.