Longka credit card is a general term for bank credit cards. Visa is an international credit card organization, which is mainly responsible for the settlement of credit card transactions. If you have the visa logo on your credit card, it means that it supports pos machines to take the VISA channel for transactions when swiping cards. VISA is equivalent to the role and significance of China UnionPay.
CCB Dragon Card has both single-currency cards and dual-currency cards. Generally, single-currency cards are marked with UnionPay, because no matter what currency you spend, it is recorded in RMB. Dual currency cards are generally UnionPay visa, UnionPay master and UnionPay jcb. These cards generally have RMB accounts, USD accounts, RMB accounts and Euro accounts. You go to visa, master and JCB for settlement.
However, at present, CCB's standard platinum card and above have the function of automatic foreign exchange purchase. Even if it is settled, it will automatically purchase foreign exchange for you. The final bill is recorded in RMB, and it is enough to pay it back. If you want to turn off the automatic foreign exchange purchase function, just contact the customer service center of CCB.
In addition, in addition to the UnionPay logo, CCB now has VISA single-label cards, MASTER single-label cards and JCB single-label cards, all of which have automatic foreign exchange purchase functions. No matter what currency you spend, it is settled in RMB. Therefore, CCB's credit cards are all called "Longka Credit Cards", and many of them have access to VISA international organizations.
The credit cards issued by China Construction Bank are all named "Longka". At the same time, China Construction Bank, as a state-owned bank that set foot in issuing credit cards earlier in China, has a wide variety of credit cards at present.
At present, the types of dragon cards that have been publicly issued are: Dragon Card Campus 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.
At present, China Construction Bank's common credit card repayment methods mainly include the following categories:
The repayment methods in the issuing bank include: the issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. The credit card limit will be restored immediately after repayment, and the money will generally be recorded after being processed by the system on the same day.
Inter-bank transfer/remittance repayment is mainly divided into two ways: inter-bank in the same city and inter-bank in different places. Whether it is transfer or remittance, the remittance bank will charge a certain fee, and the payment time and repayment convenience are not as good as those of peers, online repayment and convenience stores.
At present, the common online platforms in China are UnionPay Online, Kuaiqian, Shengfutong and Alipay. Choose different platforms and banks, and the charging standards and specific arrival time are different.
Convenience store repayment is mainly completed through the "Lacarra" smart payment terminal installed in the convenience store. Generally, it will arrive in 2~3 working days, and there is no handling fee for repayment in this way.
Counter repayment refers to the bank card issued by various networked financial institutions, and the RMB current deposit and withdrawal transactions are conducted through the counters of other bank outlets registered in the host system of UnionPay Trading Center.
Xinfutong Repayment "Xinfutong" smart credit card phone is an innovative electronic product independently developed by China UnionPay, certified by the Bank Card Testing Center and supported by the financial services provided by China UnionPay's inter-bank information exchange network.
Repayment Pass uses "Repayment Pass" for repayment, and generally charges fees according to the charging standards for inter-bank transfer in the same city and inter-bank remittance in different places stipulated by the local people's bank.
In addition to the above repayment methods, the issuing bank has also opened its own repayment methods for the convenience of cardholders.
Longka-Baidu Encyclopedia
How to handle the visa card of CCB?
To apply for a visa credit card of CCB, you need to bring your ID card. You can apply for a dragon card at CCB, and then apply for a visa card. It should be noted that both cards need to be processed, and the savings card needs to be processed first, and then the visa card needs to be processed.
Those who have full capacity for civil conduct and have a stable job and income can apply for a visa credit card at the local Construction Bank. At the same time, you need to provide supporting documents:
1. Identity certificate: ID card, household registration book, military ID card and other bank-approved identity documents.
2. Work certificate: the original work certificate stamped with the official seal of the personnel department of the unit.
3. Income certificate: the salary is paid by the bank, and the original work certificate stamped with the official seal of the financial department of the unit can directly provide the bank account number or a copy of the designated statement or passbook required by the bank.
Extended data:
CCB Credit Card in consumption abroad needs to pay attention to:
1, VISA card can be consumed by any merchant in the world who supports UnionPay and VISA networks;
2. If the settlement currency is USD or RMB, no handling fee will be charged; If other currencies are used, a currency conversion fee of about 1% will be charged;
3. When repaying, the cardholder can use RMB to purchase foreign exchange directly in China for repayment;
4. The consumption quota is consistent with that in China.