What is CCB Credit Card and what is its function?

The credit card of China Construction Bank, also known as Credit Card/overdraft card, is issued by the bank, giving the cardholder a certain credit limit, within which the cardholder can spend first and then repay. Credit cards can provide settlement services, facilitate shopping and consumption, reduce the use of cash and currency, enhance the sense of security, and contribute to the rational management of funds.

longka credit cards are divided into dual-currency credit cards and single-currency credit cards according to different account currencies; According to different card issuers, it can be divided into corporate cards (business cards) and personal cards, in which corporate cards are divided into travel cards and purchasing cards, and personal cards are divided into main cards and auxiliary cards.

according to the cardholder's credit rating, product functions and services, it can be divided into ordinary cards, gold cards, platinum cards, diamond cards and smart cards. According to different credit card organizations or companies, it is divided into UnionPay cards, VISA cards, MasterCard cards, JCB cards, etc. According to different card media, it is divided into physical card and virtual card. According to different information carriers, it is divided into magnetic stripe card, chip card and magnetic stripe chip composite card.

extended information

CCB credit card is a credit card issued by China Construction Bank. The credit cards issued by China Construction Bank are all named as "Longka", including: Longka Famous School Card, Longka Business Card and Longka Automobile Card.

the annual fee-free policy of CCB's credit card: the annual fee of the following year is exempted if the card is swiped 3 times or 18 times by Puka Gold Card (excluding special cards such as business cards and car cards). Cash withdrawal fee: domestic: 5‰ of the transaction amount, with the lowest 2 yuan and the highest 5 yuan; Overseas: 3% of the transaction amount, with a minimum of $3. The credit card limit of CCB is * * *, and the billing date of multiple CCB cards is the same, and the repayment is independent.

CCB's credit card can be used after it is registered on Alipay. The limit for single transaction and single day is 5 yuan. Support interest-free installment (3, 6 and 12) for specific merchants. You can apply for installment (3, 6, 12, 18, 24) by phone after spending more than a single sum in 1 yuan, and each installment will generate different handling fees according to the number of installments.

China Construction Bank-Credit Card

What is the use of the credit card of China Construction Bank?

the biggest advantage of credit card is that it can overdraw consumption and enjoy interest-free period. There are several advantages: 1. Help lazy people settle their accounts. Cash is used every month. By the end of the month, when you think about it carefully, you often can't remember where it was used and how much it was used. The credit card will give you a bill of account every month, with the name of the merchant, the date of consumption and the amount of consumption on it, which can help you remember the purpose of the funds. 2. Credit cards can synchronize expenditure with income. For example, you get paid on the 15th of every month. You can synchronize your salary with your credit card bill. For example, your billing date is on the 7th, and the 27th of each month is the repayment date. Then the salary paid on the 15th can be used for repayment. Many people think that credit card overdrafts still need to be paid back, but they can enjoy the interest-free period of the bank. Why give up this benefit? It was supposed to take next month to spend money first this month, so what's wrong with waiting for salary next month? 3. Although many people disdain to overdraw, they think that the deposits in their savings cards are enough for consumption. Even so, the credit card bill can still better reflect your consumption than the savings card balance. If you are not a moonlight family, if your savings card has money far greater than your salary for several months, people with poor control often brush it indiscriminately because there is too much money left on the savings card. However, a credit card is different. It has no money, and its balance is negative. It shows the overdraft limit you have spent this month. On a savings card, you often pay attention to how much money you have left, but you can directly know the money you spent this month from the credit card, which is a better reminder, or at least gives you a constraint. 4. Of course, for other people, it is the benefit of temporary turnover. For example, suppose you don't have much cash around you, but now someone is temporarily ill and needs five small figures for surgery. Generally speaking, people who manage their finances for a long time will not keep too much cash. If you have a credit card, you can swipe it out immediately, and then you can raise enough money in 5 days at the longest. For short-term operators, 5 days already has a lot of room. 5. Credit cards can be said to be a trend. Nowadays, people buy things online, especially Haitao, which is becoming more and more fashionable, and basically use credit card pre-authorization. If you book a travel route or a room online, even if Apple mobile phones buy app software, you need to use credit card pre-authorization. It's really inconvenient not to have a credit card around.

What's the use of CCB credit card?

Credit card

can be overdrawn, that is to say, if

you don't have money

, you can use credit card for transactions, including

cash withdrawal

, and just pay back the money before the next repayment period. If you don't repay it on time, you need to repay it in installments, and you need to pay interest. Credit cards have a certain

limit

, such as 1,, 15, or 1,?

Let's stop here for the introduction of the function of CCB credit card.