Jianxin Life Card is a UnionPay single-label credit card, which only issues standard platinum cards, not supplementary cards. Annual fee 580 yuan/card, and the card enjoys the preferential policy of free annual fee within the validity period.
CCB Life Card is a virtual credit card specially designed by CCB for CCB Life APP customers. Realized platform instant application, instant discount and automatic binding of platform APP wallet. It is a super feedback card for platform users.
Whether it is necessary to apply for a CCB life card depends on the consumer's own situation. It is not necessary to apply for a life card of CCB for those who have no money freedom and pressure, but it is necessary for those who are short of funds and have loan pressure, because this is a credit card without a physical card, and the quota can be delegated quickly after bidding.
1. Is CCB Life Card a credit card?
CCB Life Card is a digital credit card product launched by China Construction Bank. It has no physical card and belongs to a virtual credit card product. It can meet the consumer demand of "apply immediately, do it immediately, use it immediately and enjoy it immediately". Although it is a virtual digital credit card product, it can be directly bound to CCB Life Insurance APP to complete online payment.
Second, the construction bank life card processing process
China Construction Bank charges an annual fee for its life card. As one of the five state-owned banks in China, China Construction Bank has depositors all over the country. Annual fee of CCB Life Card 10 yuan. If the balance of the account in the card is less than 300 yuan, 3 yuan management fee will be charged every quarter. When the account balance is zero and there is no transaction record for three consecutive years, it will be automatically converted into a "sleep account", and if there is no transaction for four consecutive years, it will be automatically closed.
Life card account opening process: I go to any branch of CCB with my ID card and a small amount of cash; Queue to get the number, fill in the application form and copy the ID card; Go to the counter, give the completed application form and ID card to the bank counter staff, open an account with a life card, and remember the six withdrawal passwords entered when opening an account. If you need to open online banking, you need to remind the bank counter staff to handle it. After opening an account, bind it under the guidance of the counter staff, and then you can leave.