This is a credit card of China Construction Bank. It can be used for consumption or cash withdrawal at ordinary times, and the consumption can enjoy an interest-free period. If the cash withdrawal transaction does not enjoy an interest-free period, there will be a handling fee. For domestic RMB overdraft cash withdrawal, .5% of the cash will be charged for each withdrawal, with the lowest 2 yuan and the highest 5 yuan. As for interest, from the date of withdrawal, interest will be charged at the daily rate of .5 ‰, and the compound interest will be charged on a monthly basis, for example, 1,5 yuan, with the handling fee of 1,5 * .5 = 7.5 yuan; Interest: 15*.5* overdraft days, the daily interest is .75 yuan, and 24 days is .75*24=18 yuan.

The details are as follows:

1. Introduction

A Bank Card is a credit payment tool issued to the public by financial institutions such as commercial banks and postal savings and remittance institutions, which has all or part of the functions of consumer credit, transfer settlement, cash deposit and withdrawal, etc. Bank cards include credit cards and debit cards. Because all kinds of bank cards are made of plastic, they are also used for deposit and withdrawal and transfer payment, so they are also called "plastic money".

2. Binding business

From the contract signed between the bank and the customer, the bank requires the customer to replace the original magnetic stripe card with a chip card, which is a unilateral change to the original contract. It should be agreed with the consumer through consultation and minimize the adverse impact on the consumer. The bank's card changing behavior will cause many inconveniences to consumers, such as time-consuming and labor-consuming, and the original binding transaction needs to be readjusted due to the change of card number. Banks should try their best to adopt the upgrade method of changing cards instead of changing numbers based on the principle of customer first.

3. Industry Status

The report on the operation of the payment system in 214 released by the People's Bank of China on February 12, 215 shows that by the end of 214, 4.936 billion bank cards had been issued nationwide, an increase of 17.13% over the end of last year. Among them, 4.481 billion debit cards and 455 million credit cards were issued.