VIP customer conditions
You only need to meet any of the following criteria to become a personal VIP customer of CCB, and CCB will issue you with a LOTUS Platinum Card or Gold Card.
Platinum card customers need to meet one of the following conditions:
I. The average monthly balance of financial assets of CCB within one year is 500,000 yuan (inclusive) or more;
II. The average monthly balance of personal loans within one year reaches 1 million yuan (inclusive) or more, and the repayment situation is good, with no bad records;
III. The cumulative amount of Dragon Card purchases within one year is 100,000 yuan (inclusive) above.
Gold Card customers are required to fulfill one of the following conditions:
I. The average monthly balance of CCB's financial assets within one year is 200,000 yuan or more;
II. The average monthly balance of personal loans within one year reaches 500,000 yuan or more, with a good repayment record and no bad records;
III. The cumulative amount of spending by Dragon Card within one year is 50,000 yuan or more.
Le Dangjia financial card users enjoy the following:
1. One card, multiple accounts, integrated management. In addition to the multi-currency (hereinafter referred to as local and foreign currency) demand and time deposit accounts in RMB, USD, HKD, JPY, EUR, GBP, etc., the LeDangjia wealth management card you hold can also be associated with other accounts of the China Construction Bank I already have to the LeDangjia wealth management card, the funds for the overall arrangement.
2. Sign up for automatic transfer of funds (need to sign up). You can sign up for a variety of automatic transfer services such as transferring demand deposits to demand deposits, transferring demand deposits to time deposits, transferring time deposits to demand deposits, transferring demand deposits to call deposits, transferring call deposits to demand deposits, transferring certificated treasury bonds to deposits on maturity and automatic remittance, etc. The bank will automatically arrange funds for you according to your signing up.
3. Overseas transaction, globalization (need to sign up and open). You can make purchases at over 20 million merchants in more than 200 countries and regions around the world that have VISA or MasterCard logos, and withdraw local currency from nearly one million ATMs, making your overseas travels more convenient and elegant. You can also apply for the automatic foreign exchange purchase service for RMB deposits from the Bank. What's more, cardholders of the LottaRewards card are exempted from the handling fee (currently 3% of the cash amount withdrawn, with a minimum of US$3) and the service fee of about US$2 per transaction (currently charged by Bank of America in 14 states) for cash withdrawals at Bank of America ATMs. Bank of America, one of the world's largest financial companies and a strategic partner of China Construction Bank, has nearly 17,000 ATMs across the U.S. that offer 24-hour card services.
4. SMS notification, safe and considerate (need to sign up to open). China Construction Bank will provide real-time notification of account changes, maturity reminders, affectionate greetings, financial information services and other services through cell phone text messaging for LeDonald's wealth management card customers, so that you know the status of your own funds.
5. Investment and finance, value-added. Through the Ledangjia wealth management card, you can handle a series of investment and wealth management services, such as foreign exchange trading, certificated treasury bonds, funds, bank transfer, customer margin services, etc., which is a good helper for you to get a higher return on your wealth management.
6. Receive and pay on behalf of the convenience and flexibility. You can use the Ledangjia wealth management card as a payroll account, and can also be used to withhold and pay the relevant fees, eliminating the need for you to withdraw cash as well as the trouble of cash payment.
7. It is convenient to choose a number to show your identity. Holders of LOTUS Platinum Card or Gold Card can choose their own personalized card number according to their own preferences, reflecting your honorable status.
8. Comprehensive reconciliations and regular mailings (required to sign up). In order for you to have a full grasp of your account income and expenditure, CCB can send monthly consolidated statements to Platinum Card and Gold Card customers, with all the transaction records of the account clearly listed at a glance.
9. Wide range of channels and convenience. In addition to over-the-counter transactions, you can also make transactions at authorized merchants, self-service devices (such as ATMs, CDMs, self-service terminals, etc.), telephone banking, and online banking, so you can experience the fun of using your card anytime, anywhere.
10. Prestigious service, super value enjoyment. Holders of the Ledangjia Wealth Management Platinum Card (or Gold Card) can enjoy more convenience and privileges at China Construction Bank's Wealth Management Centers, Wealth Management Windows, or VIP Rooms across the country (or locally), with dedicated account managers providing wealth management services and enjoying various priority preferential policies.