Although CCB joy Platinum Card is a platinum credit card product, its essence is not a standard platinum credit card, but a small platinum credit card product, so the credit card limit will still be different from the standard platinum card. The credit card limit is generally between 6.5438+00,000-50,000 yuan. When actually applying for a credit card, the credit limit is determined according to the applicant's qualifications.

Credit card repayment date, also known as credit card due repayment date, refers to the latest date when the credit card issuing bank requires the cardholder to repay the payable amount, which means that after the issuing bank issues the bill, you should pay off all the expenses you have consumed before the due repayment date. In fact, the due repayment date is the last day of the interest-free repayment period. Before this, the repayment is interest-free, and interest and late fees will be charged if it is overdue. For each bank, the interest-free repayment period is different.

Matters needing attention

The due repayment date is also called the final repayment date. If you don't pay in full before the due repayment date, and you don't choose the minimum repayment amount of the credit card, you may face the following penalties:

1. All consumption funds will no longer enjoy interest-free repayment, and the bank will calculate interest on a daily basis with the consumption amount as the principal from the date of consumption, with a daily interest rate of 0.5 ‰ and compound interest on a monthly basis;

2. Receive phone calls and letters from banks;

3. Freeze your account, feed back your arrears record to the People's Bank of China and record it in your credit file, which will affect your personal credit;

If you really don't have enough money to repay in full on the due date, please choose the minimum repayment amount of the credit card. If you repay in this way, you only need to return 10% of the total cost each time, so that although there is no interest-free repayment period, you can avoid personal credit damage.

Credit card installment payment refers to the process that when the cardholder uses the credit card to make a large amount of consumption, the bank pays the consumer funds of the goods (or services) purchased by the cardholder to the merchant in one lump sum, and then the cardholder repays the money to the bank in installments and pays the handling fee. According to the cardholder's application, the bank deducts the consumption funds and handling fees by stages through the cardholder's credit card account, and the cardholder repays according to the monthly recorded amount.

In the early days of credit card installment business, banks often advertised under the banner of "interest-free", and many citizens were really fooled. In fact, interest-free is not free, just a different name.

Generally speaking, the handling fee of credit card installment 1 year is lower than the annual cash withdrawal interest 18%, and higher than the bank commercial loan interest 1 year 5.3 1%. It is worth mentioning that in recent years, the loan interest rate of commercial banks has been lowered many times, but the standard of credit card installment fee and cash withdrawal interest has rarely changed. Although different banks have different standards for credit card installment fees, the calculation method is roughly the same.

What is the credit card limit of CCB?

The amount of the first credit card issued by CCB ranges from 1000-50000. It is easier to apply for a credit card from China Construction Bank. The amount of the first card is determined according to the income and financial situation of the applicant. The general amount of the first application is between 5000 yuan and 10000 yuan. Compared with other banks, it is relatively easy to apply, the application conditions are not too high, and there are many channels for application.

1. Can I apply for a credit card of China Construction Bank online?

CCB Credit Card can be applied online, and the specific methods are as follows:

1. official website application: log in to official website Credit Card of China Construction Bank, select the card type to be applied, and then fill in the information required for applying for the card.

Operating environment:

Brand model: Lenovo notebook computer Xiao Xin Air 15 Ruilong Edition

System version: Windows 1 1

Browser: Google chrome browser

Browser version: 87.0.4280.88

2. WeChat application: Pay attention to the official WeChat account of China Construction Bank, click Credit Card-Business Processing Hall-Credit Card Application, and follow the page.

Operating environment:

Brand model: iPhone 13

System version: iOS 15.0

App version: 8.0. 16

3. APPlication for Mobile App: Download and log in to the mobile APP of CCB, click on the credit card-I want to get a card-and follow the page.

Brand model: iPhone 13

System version: iOS 15.0

Application version: 5.6.3.00 1

2. Is there an annual fee for CCB's credit card?

1. CCB Credit Card Corporate Card: the annual fee for gold card is 200 yuan, and the annual fee for ordinary card is 100 yuan.

2. CCB credit card personal card: annual fee of gold card 160 yuan, and annual fee of supplementary card of gold card 80 yuan; The annual fee for the master card of Puka is 80 yuan, and the annual fee for the subsidiary card of Puka is 40 yuan.

3. China Construction Bank's annual fee-free policy for credit cards: within the card-holding year, if you spend three times a year (unlimited amount), you will be exempted from the annual fee for that year. If three transactions are not completed, the annual fee will be charged from the second card-holding year.

3. What is the credit card number of China Construction Bank?

The customer service telephone number of CCB Credit Card Center is divided into two categories, namely CCB Credit Card Customer Service Telephone Number and CCB Credit Card Platinum Line. The specific telephone numbers are as follows: CCB credit card customer service telephone: domestic users call 400-820-0588; Overseas users call +86-2 1-3869-0588. China Construction Bank Platinum Credit Card Line: 400-888-8858.

What is the credit card limit of CCB?

CCB's credit cards will be different according to different levels. Usually, cards are divided into ordinary cards, gold cards and platinum cards. The credit limit of an ordinary card is below 1 10,000 yuan, that of a gold card is between 1 10,000 yuan and 50,000 yuan, and that of a platinum card will be above 50,000 yuan, but the final credit limit is determined by the materials submitted by users.

If the financial proof submitted for applying for CCB credit card is insufficient, the amount of the card will be very low, even if you apply for platinum credit card, it may only be several thousand yuan. So when you apply for a CCB credit card, you can submit a strong financial certificate, so that you can get a good amount.

CCB's credit card processing requires the applicant to be at least 18 years old, have a legal and valid ID card, have repayment ability and have good credit information. Only when these basic conditions are met will the bank issue a card to the applicant. If it is the first time to apply for a credit card, the amount of cards issued will not be too high.

If the credit card application is rejected, you can call the customer service hotline of CCB and ask why it was rejected. If you want to get a credit card quickly, you can try another bank. If you want to apply for a credit card of CCB, you can wait for three months before applying, so you can apply for a card.

It is not easy to apply for a credit card. Use it well and cherish it!

What is the limit of platinum credit card? What is the limit of CCB Platinum Credit Card?

The amount of CCB Platinum Credit Card is determined by the applicant's comprehensive qualification, and there is no uniform standard.

The amount of any credit card depends on the effective income provided by the individual during the application process and the value of the asset guarantee. The credit limit of a credit card is positively related to the applicant's income and secured assets, that is, the higher the income and secured assets, the higher the credit limit.

Therefore, the amount of CCB Platinum Credit Card is determined by the applicant's comprehensive qualifications, and there is no uniform standard.

Therefore, the applicant must provide proof of income and statement of asset guarantee. Asset guarantee includes fixed assets such as real estate and automobiles, as well as current assets such as savings and bonds.

Extended data:

1, standard platinum credit card application conditions

The standard platinum credit card is mainly issued to middle and high-end customers with good credit, high annual income and meeting the application conditions of Longka credit card. We will review the applicant's comprehensive credit status. Please refer to the final audit results for details.

2. Standard Platinum Credit Card Discount

Standard Platinum Credit Card provides exclusive rights and interests, including exclusive priority service, 5 million yuan aviation accident insurance protection, platinum secretarial service, global preferential voyage, global preferential merchant service, etc. , so that cardholders can enjoy platinum courtesy.

Baidu encyclopedia-credit card limit

What is the amount of platinum card of China Construction Bank?

There are three kinds of platinum cards of China Construction Bank, and the specific amount is as follows: the amount of small platinum credit card of China Construction Bank is between 10000-50000 yuan. The credit line of CCB Platinum Credit Card ranges from 654.38+10,000 yuan to 1 10,000 yuan. CCB Diamond Platinum Credit Card has a credit line of 500,000-2 million yuan.

Conditions for handling Platinum Credit Card: Personal annual income is more than 300,000 yuan (inclusive), personal financial assets in CCB are more than 500,000 yuan (inclusive), personal net assets are more than 3 million yuan (inclusive), or Longka himself has spent more than 6,543,800 yuan (inclusive) in the last year. The line range is: 10 to100000 yuan. Annual fee: 3,600 yuan for the main card/2,800 yuan for the supplementary card (Premium Edition), and 3,600 yuan for the main card1800 yuan for the supplementary card 1200 yuan.

China Construction Bank is a national vice-ministerial unit and a large state-owned bank managed by the central government. Established in June 1 954 65438+1October1,and headquartered at No.25, Financial Street, Beijing. The main business areas of China Construction Bank include corporate banking, personal banking and treasury business, with branches and subsidiaries in more than 20 countries and regions, and subsidiaries in many industries such as funds, leasing, trust, life insurance and property insurance. On February 9, 2022, Forbes released the list of the top 50 global blockchains in 2022, among which China Construction Bank ranked.

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.

Personal housing loan business refers to loans issued by CCB or natural persons entrusted by CCB to purchase, build and overhaul various types of housing in Chinese mainland cities and towns. CCB's personal housing loan business mainly includes personal account housing loan and personal housing mortgage loan (including personal first-hand housing loan, personal second-hand housing loan, second-hand housing loan, personal commercial housing loan and personal housing mortgage loan). ), provident fund personal housing loans and personal housing portfolio loans.

So much for the introduction of CCB Platinum Credit Card.