If it is a magnetic stripe card, there should be a bank card production fee of 5 yuan. A new CCB card usually comes with mobile banking, and the activation of mobile banking is based on system requirements: one transfer operation per day, and some days it is transfer out, each transaction is 1 to 5 yuan, and then it will be transferred back to your account. The activation of mobile banking is automatic and does not require you to do anything, and no fees will be deducted from you. If it is a deduction for other services, you can check the purpose of the deduction in the income and expenditure details. If you apply for a type I household or type II household with card media, you will be charged an annual fee (10 yuan/year/card) and a card production fee (magnetic stripe card 5 yuan/card, IC card standard card 5 yuan/card, IC card non-standard card 40 yuan/card). The quoted price is CCB’s benchmark price and may be adjusted by each branch. The specific price shall be subject to the price list finally announced by the branch.

1. To negotiate the principal installment repayment after the bank credit card (online loan) is overdue, for China Construction Bank, first call and communicate with the customer service who collects the debt, then go to the official account to download the form, and use the WeChat official account "CCB" "Customer Service" application, follow it and send a negotiated repayment application in the dialog box, and an application form will pop up. You can fill it out in as many installments as you want according to the customer service prompts. Depending on your income, you can also apply for 60 installments, but the handling fee is higher. What needs to be reminded is that before submitting the application, you need to go to the bank to print out one year or half a year's salary statement, and you need to pay back part of the down payment. Customer service said it is usually 5 to 10 percent. Of course, you can also pay 3 to 500. Express your willingness to repay.

2. After filling out the application form, take a photo of the front and back of the ID card and salary slip, and upload them to the CCB customer service official account. The results will usually be reported back within five working days. I feel that CCB is pretty good. After a good negotiation, the collection specialist from CCB called and you said you wanted to apply for personalized installments. She asked you how many installments you wanted, then asked you to submit the materials, and then asked you to download and print the negotiation application form from CCB customer service and fill it out by hand. Take photos and upload them, and it will be done in two days. Of course, you can also directly complain on WeChat and ask for Shanghai petition to negotiate repayment, but you need proof (unemployment certificate, subsistence allowance certificate, poverty certificate, disease certificate, hospitalization certificate, any one of them is acceptable, and it will be verified and stamped). After repayment, you can usually use a credit card You can't use it if you freeze it, you can only repay it, and you can't use it after you pay it off. There will be a record in the credit reporting system, but it will be gone after you pay it off. Some CCBs require a 10% down payment after late negotiation.