What is the credit card limit of China Construction Bank
The credit limit of CCB's general card is 3,-1, yuan, the credit limit of CCB's gold card is 1,-5, yuan, and the credit limit of CCB's platinum card is generally more than 5, yuan.
The specific credit card limit you can apply for depends on the applicant's comprehensive score in China Construction Bank. The higher the comprehensive score, the higher the credit card limit you apply for.
credit card limit, also known as credit card available limit, refers to the maximum amount that you can use with your credit card, which includes the credit limit (that is, the maximum credit card overdraft limit) and the amount deposited in the credit card.
the amount of any credit card depends on the effective income provided by the individual in the application process and the guaranteed value of the assets. The credit limit of a credit card is positively related to the income and secured assets of the applicant, that is, the higher the income and secured assets, the higher the credit limit. Therefore, the applicant must provide proof of income, provident fund social security, and asset guarantee statement. Asset guarantee includes fixed assets such as real estate and automobiles, as well as current assets such as savings and bonds.
what are the techniques for raising the amount?
1. Continuous and frequent credit card spending
Sustainability refers to the long-term credit card spending, and it is best to generate credit card spending quota every month for more than three months in a row, instead of using it for a while and then freezing it for a long time.
Frequent spending means spending money by swiping the card wherever possible, regardless of the amount. The more times and businesses you swipe, the better. If you swipe your card at one time, it is easy for banks to think it is suspicious and it is difficult to raise the amount.
second, pay attention to the amount of credit card and temporary withdrawal
pay attention to the amount of credit card and make full use of temporary withdrawal.
third, stick to the application and seize the opportunity to apply
stick to the application and seize the opportunity to apply, two-pronged. For credit card users, you can insist on applying by telephone to increase the credit card limit, because different customer service or staff members have slightly different attitudes and principles in handling this application. Maybe the last one failed and the next one passed, and the record left by insisting on telephone application will also help to apply for the amount increase in the future.
fourth, use the card cancellation threat or sleep pause
use the card cancellation threat or sleep pause. When you apply for it many times and are rejected, you can consider using this trick. Just tell the customer service or staff of the bank directly that if the credit card limit can't meet the actual needs, you will consider canceling the card. It is best to present some facts, of course, the attitude should not be too bad, and it is best to be soft and hard, so that it is easy to get room for discussion and negotiation.
what is the credit line of China Construction Bank's Longka Credit Card
1. The credit line of China Construction Bank's Longka Credit Card is generally between RMB 3, and RMB 1,.
2. The credit line of the Gold Card of China Construction Bank Longka Credit Card is between RMB 1, and RMB 5,.
3. The credit line of Platinum Card of China Construction Bank Longka Credit Card is generally more than 5, yuan.
The specific amount each applicant gets depends mainly on the assets. If the applicant has a car and a house and a high income, the amount will definitely not be low.
The credit cards issued by China Construction Bank are all named as "Longka". At the same time, as a state-owned bank that set foot in issuing credit cards earlier in China, China Construction Bank has already had many types of credit cards. The types of dragon cards that have been publicly issued include: Dragon Card School Card, Dragon Card Business Card, Dragon Card Automobile Card, China Eastern Airlines Dragon Card, Shanghai Volkswagen Dragon Card, Dragon Card Hong Kong Wonderful Travel Credit Card, China Construction Bank VISA Card, Yilong Changxing Dragon Card, Mango Travel Dragon Card and Dragon Card (Cup) Tennis Card.
Card features:
Longka Credit Card is an international standard credit card, with one card and two currencies, which can be used at home and abroad, and enjoys all the benefits of CCB.
application conditions:
China citizens who have reached the age of 18 and have full capacity for civil conduct, foreigners who have a fixed occupation and residence in China, and compatriots from Hong Kong, Macao and Taiwan can apply for the Dragon Card. The main cardholder of Longka Credit Card can apply for supplementary cards for relatives and friends who have reached the age of 13, and one main card can apply for three supplementary cards.
Features:
Free customer service hotline 8-82588, 24 hours a day, 365 days a year, can handle credit card business in time, answer all kinds of inquiries and provide warm, thoughtful, professional and meticulous services.
agreed account repayment:
You can sign a contract to designate an automatic repayment account for the Longka credit card in the city where the agreed account repayment business has been opened. When your Longka credit card needs to be repaid, it will automatically transfer money from the repayment account designated by you according to the agreement.
Temporary credit line adjustment:
When you need a higher credit line temporarily, you can apply to the customer service center for an increase in the temporary credit line, and make corresponding adjustments according to your credit status. The longest use period of the temporary credit line is three months.
emergency assistance service:
when you travel with a dragon credit card, if the card is lost or damaged, you can make an emergency assistance request to the customer service center or the global service center of VISA and MasterCard. After approval, you can get a temporary card or cash from the local bank.
How much is the credit card limit of CCB
The first credit card limit of CCB ranges from 1, to 5,. It is easier to apply for the credit card of China Construction Bank. The amount of the first card is determined according to the income and financial situation of the applicant. The general amount of the first application is between 5, yuan and 1, yuan. Compared with other banks, it is still relatively easy to apply, the application conditions are not too high, and there are many channels for application.
1. Can I apply for the credit card of China Construction Bank online?
CCB Credit Card can be applied online, and the specific methods are as follows:
1. official website Application: Log in to CCB Credit Card official website, select the card type you need to apply for, and then fill in the information needed to apply for the card.
Operating environment:
Brand model: Lenovo notebook computer Xiaoxin Air15 Ruilong Edition
System version: Windows11
Browser: Google chrome Browser
Browser version: 87..428.88
2. WeChat application: Pay attention to China Construction Bank WeChat WeChat official account, and click "Credit Card"-
operating environment:
brand model: iPhone13
system version: iOS15.
APP version: 8..16
3. mobile APP application: download and log in to the mobile app of China Construction Bank, click Credit Card-I want to apply for a card, and then follow the page.
brand model: iPhone13
system version: iOS15.
app version: 5.6.3.1
second, is there an annual fee for CCB credit cards?
1. CCB credit card business card: the annual fee for gold card is RMB 2 yuan, and the annual fee for ordinary card is RMB 1 yuan.
2. CCB personal credit card: the annual fee of the gold card is RMB 16 yuan, and the annual fee of the gold card subsidiary card is RMB 8 yuan; The annual fee for the master card of Puka is RMB 8 yuan, and the annual fee for the subsidiary card of Puka is RMB 4 yuan.
3. Credit card annual fee exemption policy of China Construction Bank: within the card-holding year, the annual fee of the current year is exempted if you spend three times (unlimited amount) each year. If you don't complete 3 transactions, the annual fee will be charged at the beginning of the second card-holding year.
3. What's the credit card number of China Construction Bank?
The customer service telephone numbers of CCB Credit Card Center are divided into two categories, namely CCB Credit Card Customer Service Telephone and CCB Credit Card Platinum Line. The specific telephone numbers are as follows: CCB Credit Card Customer Service Telephone: domestic users dial 4-82-588; Overseas users call +86-21-3869-588. China Construction Bank Credit Card Platinum Line: 4-888-8858.
Is the credit card limit of CCB high? What is the credit card limit of CCB generally?
Is the credit card limit of CCB high? What is the general credit card limit of CCB? According to the experience of card friends, compared with the previous application for CCB ordinary credit card, the amount is generally between 1 and 8. Of course, exceptions are not excluded. For example, small friends who already hold high credit cards from other banks or China Construction Bank generally apply for a high amount. Below I will tell you in detail what the credit card limit of CCB is generally. I hope the above contents will help you!
If the amount of ordinary cards applied for in the previous application is relatively low, you can increase the amount during the process of using the cards. Some card friends have raised the amount from 2, yuan to 4, yuan all the way, which is worthy of universal admiration.
If the demand for shopping increases in a certain period of time, you can apply for adjusting the temporary credit line through the following channels:
1. Online banking application: log in to the personal e-banking website of China Construction Bank, log in to online banking, select Credit Card-Credit Card Line Adjustment-Apply for Line Adjustment in turn, and select Temporary Credit Line Increase in the line adjustment type to apply.
2. SMS application: use the reserved mobile phone number to edit the SMS "the last four digits of CCTE# # the amount to be adjusted (target amount)" and send it to 95533. "Expected adjusted quota" refers to the adjusted quota. For example, if the current quota is 1, yuan and it is expected to be adjusted to 15, yuan, the short message editing format is # 15, after CCTE#.
you can check the credit limit of CCB Puka by the following methods.
1. If the credit card is bound to "China Construction Bank" WeChat Bank, you can conduct self-service line inquiry.
what is the credit card limit of CCB?
2. Edit the short message "Credit card limit # last four digits" and send it to 95533 for inquiry.
3. compare the "account inquiry service" on the front page of CCB website, and select "credit card inquiry" for inquiry.
4. use a credit card to inquire at the self-service terminal.
The above are some introductions about the credit card limit of CCB. I hope the above contents will help you!
CCB credit card limit?
The credit lines of different types of credit cards of CCB are mainly as follows:
1. The credit lines of ordinary cards of CCB are generally between 3, and 1, yuan.
2. The credit line of CCB Gold Card is between RMB 1, and RMB 5,.
3. The credit limit of CCB Platinum Card is generally more than 5, yuan.
4. The maximum withdrawal amount of CCB's credit card can reach 3% of the actual amount.
:
CCB Credit Card is a credit card issued by China Construction Bank. The credit cards issued by China Construction Bank are called "Dragon Card", including Dragon Card, Famous School Card, Dragon Card Business Card and Dragon Card Automobile Card. The types of credit cards are: ordinary card, gold card and platinum card.
the handling fee for withdrawing cash from CCB's credit card: 5‰ of the domestic transaction amount, with the lowest in 2 yuan and the highest in 5 yuan; Overseas: 3% of the transaction amount, with a minimum of $3. Maximum interest-free period: 5 days. Multi-account management: quota * * * Enjoy multiple CCB cards, and repay the same account on the same day. Independent online payment: Alipay: it can be used after online registration. One-day purchase restriction in 5 yuan.
installment business: supports interest-free installment (three, six and twelve installments) for specific merchants. After a single consumption in 1 yuan, you can apply for installment (3, 6, 12, 18, 24) by phone. Each period will generate different charging days according to the number of installments: there are multiple charging days every month. The cardholder can change the card type once a year within the validity period of the card: general card, gold card and platinum card Currency: RMB, RMB/USD and RMB/Euro
Interest-free repayment period: Interest-free repayment period refers to the interest-free period of consumer transactions enjoyed by the cardholder for timely and full repayment. The interest-free period is from the bank accounting date to the repayment date, with a minimum of 2 days and a maximum of 5 days. Overdraft cash withdrawal transactions do not enjoy interest-free repayment period. If you fail to repay in full before the due date, you will not be able to enjoy the interest-free period. China Construction Bank bears interest at the daily interest rate of .5%, with compound interest on a monthly basis. The interest-bearing date is from the consumption date to the repayment date, and the interest-bearing principal is calculated according to the actual amount payable. If the repayment is not made before the due repayment date or the repayment amount is lower than the minimum repayment amount, CCB will not only charge interest as required, but also charge a late fee of 5% of the unpaid part. Minimum repayment amount.
This is the end of the introduction about the credit card limit of China Construction Bank and China Construction Bank. Have you found the information you need?