First of all, congratulations on your successful handling of CCB credit card. To be a successful cardholder, you need to practice hard. So, let's learn the basic knowledge of CCB credit card first. Take a few minutes to look at it, and you can make better use of cards in your daily life.

Repayment of CCB business outlets:

You can use your card or your card to make cash repayment or transfer repayment at the business outlets of China Construction Bank all over the country. Whether in the same city or in different places, CCB outlets can accept it, and there is no handling fee.

-repayment by outlets can realize cash repayment of RMB arrears and cash repayment of USD arrears.

-Transfer repayment can transfer the funds from your debit card and quasi-credit card to your credit card account for repayment.

-Cash repayment of RMB arrears and transfer repayment can be handled at all branches of the Bank, and cash repayment of USD arrears must be handled at branches of the Bank.

-When the repayment is made in convertible foreign exchange other than US dollars, the foreign exchange will be traded on its own, and then the repayment will be made in US dollars.

Agreed account repayment:

You can designate your personal bank settlement account opened in China Construction Bank as the repayment account, and China Construction Bank will automatically deduct the corresponding amount from the repayment account on the due repayment date. Before you apply for repayment of the agreed account, please call the local 95533 or 24-hour service hotline to find out whether the local CCB where you apply for the card has this service.

Telephone foreign exchange repayment

The repayment of foreign exchange by telephone can only be used to repay the dollar arrears of credit cards by purchasing foreign exchange in RMB. You must complete the deposit repayment and the application for purchasing foreign exchange by telephone within the same day. The exchange rate is based on the selling price in US dollars at the time of purchasing foreign exchange. If necessary, you can call our 24-hour service hotline for enquiry. If your credit card RMB account overpayment is insufficient on the day of purchase, you can also repay the purchase with your available amount, and pay interest from the date of purchase.

ATM transfer repayment

You can transfer RMB funds from your savings card or quasi-credit card to your credit card account through ATM to repay RMB arrears of your credit card.

Report the loss: If your card is accidentally lost or stolen while using the CCB credit card, please call the CCB 24-hour service hotline immediately to report the loss. After the loss report is accepted and confirmed by CCB, the loss report will take effect, which can protect your interests to the maximum extent.

If your card is lost or stolen overseas, and you still need to use the Longka (dual currency) credit card overseas, please call the 24-hour service hotline of China Construction Bank to report the loss and apply for an emergency replacement card. Construction will immediately contact foreign card issuers to handle emergency replacement cards for you and reissue new cards for you.

Card replacement: Longka (dual-currency) credit card is valid for 3 years and will be invalid upon expiration. For your convenience, CCB will issue you a new card 1 month before your card expires. If you don't want to use your card after it expires, please call the 24-hour service hotline 1 0 months before it expires.

Change your card in advance: If your card expires within 3 months and needs to be changed in advance due to special reasons such as going abroad, please call the 24-hour service hotline to apply for it and destroy the original card. Construction will change your card in advance and issue you a new card.

Broken card replacement: When your card can no longer be used due to breakage, breakage, degaussing of magnetic stripe or wrong signature, you can apply for a new card; To apply for a replacement card, please call the 24-hour service hotline of China Construction Bank, and you need to pay the corresponding new card replacement fee. Please destroy the old card yourself to avoid unnecessary losses.

How to inquire about the consumption records of CCB credit cards

Many friends who use credit cards should have CCB credit cards. When using CCB credit card, you should be very concerned about your own consumption. How does CCB credit card query its own consumption records?

1, SMS inquiry: use the mobile phone number reserved by the bank to edit the SMS "last four digits of CCZD#" to 95533;

2. Website inquiry: register and log in to the website of CCB Credit Card Center, "select credit card", select inquiry account, and enter your credit card, telephone banking password and verification code to inquire about consumption;

3. Mobile banking inquiry: log in to mobile banking, select "Financial Services-Credit Card Business Hall-Bill Inquiry" on the home page, and inquire "Paid/Unpaid" bills according to the prompts;

4. Telephone inquiry: Call the customer service hotline of CCB to inquire about the consumption records through self-service voice menu or manual service;

5. WeChat inquiry: Pay attention to CCB WeChat WeChat official account "China Construction Bank" and bind the credit card to handle the account inquiry by itself;

If you are in doubt about the transaction amount and transaction time on the credit card bill, you can call the customer service phone of CCB to make an inquiry request.

How to use CCB credit card?

Precautions for the use of CCB credit cards are as follows:

1. CCB will deduct the handling fee for credit card withdrawal. The domestic cash withdrawal fee is deducted by 0.5% of the cash withdrawal amount, with the lowest in 2 yuan and the highest in 50 yuan. The overseas cash withdrawal fee is charged at 0.5% of the cash withdrawal amount plus 12 yuan, with a minimum of 14 yuan;

2. The overdraft cash of CCB credit card has no interest-free period. From the date of withdrawal, 0.5 ‰ interest shall be deducted from the withdrawal amount every day until the principal and interest are paid off;

The consumption before the monthly bill date can be paid off before the sunrise bill and the first repayment date after the bill date, and you can enjoy interest-free treatment;

4. If the consumption after the monthly bill date is paid off before the first repayment date after the next month's bill date, you can enjoy interest-free treatment.

5. There is no interest-free period for credit card withdrawal, and there is a handling fee. From the date of withdrawal, interest will be calculated at 0.5 ‰ of the bill amount until all principal and interest are paid off. Credit card withdrawal is not recommended. If it is urgent, it should be repaid as soon as possible.

6. The repayment date of the credit card is the final repayment date. You can repay any day before, and you can repay many times. But even if it is overdue after the repayment date, it may affect personal credit, so it is necessary to repay it in time.

How to inquire about the credit card consumption details of CCB?

CCB credit card consumption details can be queried on mobile banking, and the specific operation steps are as follows:

Operating environment:

Brand model: iPhone 13

System version: iOS 15.3. 1

Application version: v5.6.7.00 1

1. Open the China Construction Bank APP and click the first account option in the service selection area on the home page.

Second, enter the login page, enter the login password, and click Login Now.

Third, after loading, select the bank card to be queried and click Details.

Note: When querying the bill details, click < b > Filter at the bottom right of the account to filter out the bill details of the current day, seven days, one month, three months and six months. Users can also customize the query time and view specific bills according to transaction amount, revenue and expenditure type and sorting distance.

China Construction Bank Co., Ltd. is a leading large commercial bank in China, headquartered in Beijing. Its predecessor, China Construction Bank, was established in June 1954. The Bank was listed on the Hong Kong Stock Exchange (stock code 939) on June 5438+1October 2005 and on the Shanghai Stock Exchange (stock code 60 1939) in September 2007. At the end of 20 19, the market value of the bank was about 21768.6 billion US dollars, ranking fifth among listed banks in the world. In terms of Tier 1 capital, the Group ranks second among global banks.

By 2020, this bank has provided comprehensive financial services such as personal banking, corporate banking, investment and wealth management, with 65,438+04,965,438+02 branches and 347,654,38+056 employees, serving hundreds of millions of individuals and corporate customers. In the fund, leasing, trust, insurance, futures, pension, investment banking and other industries with subsidiaries. Overseas institutions cover 30 countries and regions, with more than 200 overseas institutions at all levels.

Short-term loans refer to loans with a loan term of 1 year (inclusive). Short-term loans are generally used for the liquidity needs of the borrower's production and operation. The currencies of short-term loans include RMB and major convertible currencies of other countries and regions. The term of short-term working capital loans is generally about half a year, and the longest is no more than one year; Short-term loans can only be extended once, and the extension period cannot exceed the original period.

The loan interest rate is determined according to the interest rate policy formulated by the People's Bank of China and the floating range of the loan interest rate, according to the nature, currency, use, method, term and risk of the loan, among which the foreign exchange loan interest rate is divided into floating interest rate and fixed interest rate. The loan interest rate is indicated in the loan contract, which customers can check when applying for a loan. There is a penalty interest for overdue loans. The advantages of short-term loans are relatively low interest rates and relatively stable capital supply and repayment. The disadvantage is that it cannot meet the long-term capital needs of enterprises. At the same time, because short-term loans use fixed interest rates, the interests of enterprises may be affected by interest rate fluctuations.

This is the end of the introduction on how to spend money by credit card in CCB and how to refund it. I wonder if you have found the information you need?