Does the CCB card start with 62
No.
62 is a UnionPay single-logo credit card, which can only be settled in RMB. Other bank cards starting with 9 and 6 also belong to China UnionPay. Among them, the cards starting with 62 and 6 are UnionPay cards that meet international standards, which means that they can be used by shops that support UnionPay abroad.
the beginning of p>62 has no special meaning, but a logo, which indicates the UnionPay channel that the card takes.
China Construction Bank Longkaka is a virtual credit card product launched by China Construction Bank. This credit card has no physical card, and can be applied mainly through the official China Unionpay Quick Pass APP. The function of CCB Longkaka credit card is similar to that of ordinary credit card, and you can enjoy overdraft consumption within the limit. It's a credit card with a gold card level.
what are the rights and interests of CCB longkaka?
1% cashback of UnionPay consumption abroad pen: You can enjoy a 1% cashback discount if you use CCB Longkaka to spend an equivalent amount of RMB 1 yuan on the all-UnionPay network overseas;
2 Shangchao Digital Gift Voucher: Through UnionPay China Unionpay Quick Pass, you can receive the consumption deduction vouchers of five chain stores, including the whole family, which are worth 5 yuan in the convenience store;
3 recharge and repayment discount: use this card to recharge or repay by credit card through China Unionpay Quick Pass APP, and enjoy the discount of one-time reduction of 54 yuan after 5 yuan;
4 membership rights: after handling the CCB Longkaka credit card, you can get JD.COM PLUS members, Tencent Video VIP members, KEEP members and so on if your consumption reaches the standard every quarter.
what is a card that starts with 62?
the bank card beginning with p>62 belongs to China unionpay card, and unionpay card refers to the bank card that meets the requirements of unified business specifications and technical standards and is printed with the word "unionpay" in the designated position. The purpose of "UnionPay" logo is to provide a unified identification mark for all kinds of ATMs and POS terminals to accept bank cards issued by commercial banks, so that bank cards issued by different banks can be commonly used in ATMs and POS terminals with "UnionPay" logo and provide convenient, fast and safe financial services for consumers.
CCB card grade: Gold card
Long Kaka is free of annual fee within the validity period, and no supplementary card is issued. The integral nature is comprehensive integral, and the consumption 1 yuan product is 1 point, except for the consumption type excluding integral, and the validity period is 5 years.
there is no physical card for this card. Card information can be queried by searching for "virtual card" in the China Construction Bank APP, and the exclusive rights of card UnionPay can be queried through the card area of the UnionPay "China Unionpay Quick Pass" APP.
rights and interests:
① during the activity period, you can enjoy a 1% cash back discount when the actual payment amount of all-unionpay online consumption is equivalent to RMB 1 yuan; All online UnionPay network merchants can enjoy 1% cash back discount if the transaction amount is equivalent to RMB 1 yuan.
(2) Through UnionPay China Unionpay Quick Pass, you can receive the consumption deduction coupons of five chain stores, including the whole family, with the value of 5 yuan, for offline use.
(3) Pay back by online mobile phone or credit card through UnionPay China Unionpay Quick Pass APP every month, and you can only enjoy the discount of 5 yuan and 5 yuan once.
(4) After the consumption reaches the standard every quarter, you can get any of the season card rights such as JD.COM PLUS member, Tencent Video VIP member, Zhihu Salt Selection member and Keep member.
What is the UnionPay card at the beginning of 62?
UnionPay cards at the beginning of 1 and 62 may be debit cards (savings cards) or credit cards. If you want to know the specific types, you can call the bank customer service hotline at this time, but you need to inform the customer service accurately. Debit cards can only be processed at the bank counter, and the bank
will charge a certain fee. Credit cards can be processed in different ways, except at the bank counter, and online
processing can also be done.
2. The credit card starting with CCB 62 is the standard credit card of UnionPay. It is a single-currency credit card and can only be settled in RMB. Other bank cards starting with 9 and 6 also belong to China UnionPay, among which the cards starting with 62 and 6 are UnionPay cards that meet international standards, which means that they can be used by shops supporting UnionPay abroad. There is no special meaning at the beginning of 62, just a logo to identify the UnionPay channel that the card takes.
There is not much difference between the credit cards at the beginning of 3 and 62 and other credit cards. How to use the card or how to use it? When you go to the store, you pay by swiping your card on the POS machine. Just because the card starting with 62 is a UnionPay standard single-currency credit card, you can only swipe RMB, which is different from those dual-currency credit cards, which support transactions in two currencies. For example, a dual-currency card with RMB and USD can be traded in both RMB and USD. Also, because it is a UnionPay card, you can only take the UnionPay channel; Other cards, such as MasterCard, take the MasterCard channel, and VISA cards take the VISA channel. MasterCard starts with the number 5, while VISA starts with the number 4. You need to note that it is precisely because the card at the beginning of 62 is UnionPay card and takes the UnionPay channel, so it can only be used in China. If you spend money abroad, it is better to use MasterCard or VISA. After all, MasterCard and VISA are the main channels abroad.
4. A bank card is a number that identifies the information of the card issuer and the cardholder, and consists of the following three parts: the identification code of the card issuer (BIN number), the user-defined bit of the card issuer, and the check code. BIN number is the bank identification code, and the English full name is BankIdentificationNumber. BIN is represented by 6 digits, which appear in the first 6 digits, and is assigned by the International Organization for Standardization (ISO) to all bank card organizations engaged in inter-bank transfer exchange.
Why can't we use the single currency cards with the first and 62 characters for the credit card with CCB Dragon Card 62? Second, there may be something wrong with the security code or expiration date when binding the credit card, which leads to the abnormal card status and can't be used. Call customer service to check the card status.
credit card application
in most cases, citizens with full capacity for civil conduct (citizens over 18 years old in Chinese mainland) and a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.
people who apply for credit cards can be divided into units and individuals. The applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal personality within the territory of China. Each unit can get a main card and several (5-1) supplementary cards when applying for a credit card. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.
generally, the application method is to fill in a credit card application form, and the contents of the application form generally include the name, basic information, economic status or income source, guarantor and its basic information of the applicant. And submit certain copies of certificates and certificates to the issuing bank. After the customer fills in the application form truthfully, he should submit the completed application form and relevant credit certificate. The application form is accompanied by a contract for using a credit card. The applicant authorizes the issuing bank or relevant departments to investigate its relevant information, submit a statement on the authenticity of the information, the privacy protection policy of the issuing bank, etc., and must have the applicant's autograph.
credit card installment payment refers to the business that when a cardholder uses a credit card to make a large amount of consumption, the card-issuing bank pays the consumer funds of the goods (or services) purchased by the cardholder to the merchant in one lump sum, and according to the cardholder's application, the consumer funds are deducted from the cardholder's credit card account in installments, and the cardholder repays according to the monthly recorded amount. In the past, credit card installment mainly included bill installment and single consumption installment, and banks usually charged corresponding handling fees according to the number of installments. Whether it is bill installment or single consumption installment, the premise is to generate consumption behavior first, and then the bank will set up the installment repayment of the generated credit loan. [11]
Most domestic banks in China have credit card installment business. Installment payment is generally divided into shopping mall (POS) installment, "mail order installment" and bill installment according to different occasions.
Shopping mall staging, also known as POS staging, means that cardholders go to shopping places, such as "shopping malls" that can be staged. At the time of checkout, hold the credit card that supports installment in the mall to explain that installment payment is required. Then the cashier will swipe the card on a special POS machine according to the number of periods required by the cardholder (such as 3 periods, 6 periods, 12 periods, etc., and a few shopping malls support 24 periods). Note: When staging a shopping mall, you need to verify the identity of the cardholder, so remember to bring your ID card. Shopping malls are generally free of charge in three stages. The rates for the 6th and 12th installments are different from bank to bank. As long as the goods that are paid by installments are normally sold in the shopping mall, they can generally be paid by installments. In many cases, cardholders can also bundle multiple goods together to settle accounts, and then carry out installment.
mail order installment means that the cardholder receives the installment mail order catalog manual sent by the issuing bank (or the online installment mall of the bank) and selects from the limited commodities. Then, the bank will order by installment through online installment mall, telephone or fax the installment application form, etc. Generally, there is no handling fee for mail order installment regardless of the number of installments. However, due to the long ordering cycle (in many cases, it will take more than 15 working days to get the goods) and the relatively complicated return and exchange, it is recommended to make more comparisons before buying.
bill installment is the most convenient installment method, and all card-issuing banks can basically support this installment method, and the application is simple. Users only need to apply for installment to the issuing bank by telephone after spending their credit cards and before sending monthly bills. However, it should be noted that banks will stipulate some special cases, such as speculative credit card can not be successfully phased. So before staging, be sure to read the staging manual carefully. The disadvantage of bill installment is that you can't waive the handling fee. The longer the number of installments, the higher the handling fee, and all of them should be borne by the cardholder himself.
What's the difference between CCB credit cards 62 and 48?
CCB credit cards 62 and 48 are different in the organization and use scope of bank cards.
1. In the scope of use of bank cards,
62 begins with UnionPay single-logo credit cards; And the beginning of 48 is VISA- UnionPay double logo credit card.
2. scope of use unionpay credit cards starting with
62 can only be used on machines with unionpay logo; And the ones beginning with 48 can only be swiped on machines with and supporting the VISA logo.
once the bank card is assigned, the basic information, amount and transaction status of the customer will be transmitted to the central bank in time, and a lot of information such as prevention and statistics will be summarized in the central bank database, which is a convenient and unified medium for financial management.
bank cards are useless except for recording customer information and capital flow information. Magnetic, easy to degauss with mobile phone.
Extended information:
Precautions for card use
1. When entering the password, be careful to cover it with your hands. If there is any abnormality in the password guard and card entry slot of the ATM machine, do not use it, and inform the bank immediately;
2. In order to prevent fake ATM machines, customers choose self-service banks with obvious signs and use ATM machines under the video surveillance of banks;
3. Store the bank card and ID card separately. Don't lend the bank card to others, and don't disclose the bank card and password at will.
4. When spending by credit card, don't let the bank card leave the line of sight, pay attention to the number of times the cashier swipes the card, and when you get the purchase slip and the card, check whether the amount on the purchase slip is correct and whether it is your own card;
5. Open the SMS service, keep abreast of account changes, and call the bank to report the loss once abnormal transactions are found;
6. If you suspect that the funds have been stolen, call the customer service phone of the bank immediately and report the loss of the bank card account in time.