Which card is better for China Construction Bank credit card?

China Construction Bank has issued a variety of credit cards. For users, there is no best one, only the one that suits them best. For example, the credit card suitable for consumption is the CCB Barbie Beauty Credit Card, the card suitable for overseas consumption is the CCB Long Card Global Payment Credit Card, the card suitable for car owners is the Dragon Card Auto Card, etc., and the card suitable for online shopping is the Vipshop Dragon Card.

CCB Global Payment Card and Global Hot Purchase Card are issued as a set, which means that users who apply for this card can enjoy the benefits of both cards. This card is more suitable for outbound travel or study abroad consumption. Friends who need it can handle it. Because global payments in all currencies are deposited in RMB, cardholders only need to repay in RMB. Foreign exchange fees are also waived, and aviation insurance, delay insurance, etc. are all available.

In addition to redeeming Long Card credit card points for gifts, car card consumption points can also enjoy exclusive oil change discounts. Points can be used exclusively to redeem gas fees. Oil change in Long Card car card points redemption area: every 25,000 Long Card Car card points can be redeemed for 100 yuan in fuel expenses; points POS oil change: the starting redemption point is 50,000 points, which can be redeemed in integer multiples of 250 points; a single transaction can be redeemed up to 2,000 yuan (500,000 points); the maximum redemption ratio of points is the recharge amount 99% (the remaining 1% is paid via car card). In addition, cardholders can also enjoy weekly preferential car wash services, nationwide roadside assistance, and various car repair and tow trucks to fully serve you with no limit on the number of times.

The CCB Himalayan FM Credit Card can enjoy exclusive discounts from popular merchants, and can also enjoy discounts at Hertz stores in the United States and Thailand. The standard platinum card enjoys a 13% discount, and the gold card enjoys a 10% discount. If you use the CCB Himalaya FM credit card to purchase tickets for travel, you can enjoy various insurance protections, as well as lost card protection services, allowing users to travel worry-free. The CCB Exclusive Platinum Card is a big platinum card of CCB. It is now open to customers. You can apply for it on your own initiative. The limit starts from 80,000 yuan. The benefits will not disappoint you. It covers business travel, hotels, aviation, etc., as well as health. Care, distinguished protection and other services. However, its threshold is relatively high. You can choose whether to apply for it according to your own qualifications

Which CCB credit card is better?

There is no best CCB credit card. Choose the one that suits you. The best thing is that there are many types of CCB credit cards. You can choose according to your own needs and card usage habits, such as the following ones:

1. Dragon Card Premium Credit Card, suitable for users with overseas consumption.

2. The Dragon Card is suitable for car owners.

3. Longka Tuniu Travel Card is suitable for users who like to travel.

4. Vipshop Dragon Card is suitable for users who frequently shop online.

There are more credit card types. You can log on to the CCB Credit Card official website () to view and apply.

CCB Credit Card is a credit card issued by China Construction Bank. All credit cards issued by China Construction Bank are named "Dragon Card", and the types include: Dragon Card Prestigious School Card, Dragon Card Business Card, Dragon Card Car Card, etc.

Annual fee-free policy: Swiping the Gold Card 3 times or 18 times will waive the annual fee for the following year (excluding business cards, car cards and other special cards)

Cash withdrawal handling fee : Domestic: 5‰ of the transaction amount, minimum 2 yuan, maximum 50 yuan; overseas: 3% of the transaction amount, minimum 3 US dollars.

Multiple account management: Limit ***Enjoy multiple CCB cards with the same billing date and independent repayment

Online payment: Alipay: You can use it after online registration, single payment and single payment The daily limit is 500 yuan

Instalment business: interest-free installments (3, 6, and 12 installments) from specific merchants are supported. After a single purchase of more than 1,000 yuan, you can call to apply for installments (3, 6, 12, 18, 24 installments). Each installment will incur different handling fees depending on the number of installments

Billing date: every month There are multiple billing dates, and cardholders can change them once a year during the validity period of the card

Currency: RMB, RMB/USD, RMB/EUR

During the interest-free repayment period Within: The interest-free repayment period refers to the interest-free period for consumption transactions enjoyed by cardholders who repay in full on time. The interest-free period is from the bank accounting date to the repayment date, with a minimum of 20 days and a maximum of 50 days. sky. Overdraft cash withdrawal transactions do not enjoy the interest-free repayment period.

Tips:

If you fail to repay the loan in full before the due payment date, you will not enjoy the interest-free period.

China Construction Bank will charge interest at a daily rate of 5/10,000 and compound interest on a monthly basis. The interest accrual date is from the date of consumption to the repayment date, and the interest accrual principal is calculated based on the actual amount payable.

If you fail to repay before the due payment date or the repayment amount is less than the minimum repayment amount, China Construction Bank will not only charge interest according to regulations, but also charge the unpaid portion of the minimum repayment amount. 5% late payment fee is charged.

Which type of CCB credit card is the best?

There are many types of CCB credit cards. The following three are better:

1. CCB Zhiyin Long Card.

2. CCB Barbie Beauty Credit Card.

3. CCB Long Card global payment credit card.

The annual fee is charged as follows: 160 yuan/card for the main card and 80 yuan/card for the supplementary card. If the card is swiped more than three times a year, the annual fee will be waived. The maximum cash withdrawal ratio is 30%, the cash withdrawal fee is 0.5% of the cash withdrawal amount, the minimum domestic fee is 2 yuan, and the interest-free period is 20-50 days.

The differences between the regular card, gold card and platinum card of China Construction Bank Credit Card:

1. The annual fees are different

The annual fee for the regular card of China Construction Bank Credit Card is 80 The annual fee for the gold card is 160 yuan; the annual fee for the platinum card is about 400-3,000 yuan.

2. Different limits

The limit of CCB credit card is between 1,000-10,000 yuan; the limit of gold card is between 10,000-50,000 yuan; the limit of platinum card is usually between 1,000 and 10,000 yuan. Between 5 and 1 million yuan, Xiao Platinum's authorized credit limit may also be 20,000 to 30,000 yuan.

3. Enjoy different rights and interests

The CCB Gold Card can enjoy higher discounts at preferential merchants than regular cards. However, platinum cards can usually enjoy high-end services provided by banks such as golf, SPA, physical therapy, airport transfers, and VIP lounges.

Basic functions:

1. Credit consumption: consume first and repay later, no deposit required in advance.

2. One card with dual currencies: It has dual accounts in RMB and USD, which can be used both at home and abroad. Domestic transactions are credited to the RMB account, and overseas transactions are credited to the USD account (single-currency credit cards do not have this function) .

3. Password optional: The first "domestic consumption password optional" function in China, which can be flexibly selected according to personal card usage habits. (You can set no password for small amounts and a password for large amounts).

4. Easy repayment: monthly statements are provided, and repayment methods are flexible and diverse: telephone foreign exchange purchase and repayment, outlet repayment, ATM machine self-service repayment, CDM machine self-service repayment and agreed account repayment , Online banking repayment.

5. Special merchants: Carefully select preferential merchants across the country to provide many preferential discounts.

6. Report loss by phone: If you lose your card, you can report the loss by phone. Once the loss report is effective, our bank will provide security without taking any financial risks.

7. Disputed payment: If a customer disputes any consumption payment, it shall be verified first and then paid.

8. Overseas rescue: If the card is lost overseas, emergency replacement cards and emergency cash withdrawal services will be provided.

9. Free hotline service: A dedicated 24-hour service hotline.

10. If you spend more than 1,000 yuan, you can apply for interest-free installment payment and only need to pay a small handling fee.

11. SMS reminder: Free SMS reminder if you spend more than 500 yuan.

12. Earn one point for every dollar spent. The points are permanently valid, and points are doubled from time to time.

13. The annual fee is waived for the first year, and the annual fee for the following years is waived if you swipe the card three times (except for car cards).

14. Points from various credit cards under the same customer’s name can be combined and used (except Popular Card and China Eastern Airlines Card).

15. When you purchase a ticket at a designated ticket purchase point by swiping your card with a gold card, you will receive a free aviation accident insurance of RMB 1 million and a regular card of RMB 500,000. The high amount of protection will accompany you with warmth and pleasure along the way.

Note: Gold card and regular card are basic cards. There are many kinds of cards according to different cooperative merchants or institutions. You can call CCB customer service for details.

That’s it for the introduction of which credit cards are good from China Construction Bank.