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1. Merchants swipe their cards.
2. installment consumption.
3. Withdraw cash.
CCB's credit card can be used after it is activated. There are several ways to activate it:
1. Online banking activation: cardholders can directly log in to the online banking of China Construction Bank, select the credit card activation menu to open the card and set the password.
2. Network activation: Cardholders bring valid identity documents and credit cards to any branch counter of CCB to open cards and set passwords.
3. Customer service hotline: The cardholder calls the customer service hotline of CCB with the mobile phone number reserved by the bank, and selects the menu of "Card Opening and Password Service" to activate according to the prompt.
We must know three days: trading day, bank bookkeeping day and billing day.
1. How to calculate the trading day of the interest-free period:
1. The transaction date when the cardholder actually uses the card for consumption, cash withdrawal and repayment.
2. Bank bookkeeping date: the date when the card-issuing bank records the transaction money or expenses into the cardholder's account. Due to data transmission through merchants of other banks or UnionPay, the trading day may be inconsistent with the billing date, and the billing date may lag behind.
3. Bookkeeping date: the date when the bank settles the cardholder's transaction principal, fees and other interests. In the monthly settlement cycle, there is only one settlement date for each corpse.
4. Due repayment date: the issuing bank stipulates that the last date and date for the cardholder to repay all the payable amount or the minimum repayment amount is the 20th day after the bill date.
5. Interest-free repayment period: for consumer transactions, interest-free treatment is provided to cardholders who repay in full on time. The interest-free period is from the transaction date of credit card consumption to the repayment date, with a maximum of 50 days and a minimum of 20 days. 6. Suppose: 7 is the bookkeeping date, 8/7 is 2000 yuan, the bill is issued on the same day, and 8/27 is the due repayment date, so you can enjoy the interest-free period of 20 days, 8/8 is 2000 yuan, and 9/7 is the due repayment date, so you can enjoy the interest-free period of 50 days.
Second, what is a credit card?
A credit card is a card that can be overdrawn. In fact, there is no benefit or harm. Mainly depends on whether it is used well. Good words can accumulate credit, which is good for future loans. You can participate in preferential activities and get some real discounts. If it is not good, the bank will default interest and affect credit.
Introduction to the use of CCB credit card
Many CCB credit card users are not clear about the use of credit cards. The following introduces the repayment period of CCB credit card, how to transfer money, what billing channels are available and the online payment process of CCB credit card.
Credit card repayment cycle of CCB
How long is the repayment period of CCB credit card? Insufficient understanding of the use of cards has led some people to gradually become card slaves. If I calculate the repayment period in advance and repay in time, I can get rid of the card slave and use the card healthily.
The 50-day repayment period of CCB credit card refers to the second day after the bill date, and there can be a repayment date of up to 50 days. The principle of repayment is that the final repayment date is 20 days after the bill date.
If your bill date is July 25th, if you spend money on July 26th, then this transaction can be billed on August 25th, plus 20 days repayment time, September 14. In this example, there is a 50-day repayment period from July 26th to September 14.
How to transfer money by CCB credit card?
How to transfer money by CCB credit card? What are the credit card transfer steps of CCB? Credit card can transfer money, but there is a limit and the handling fee is not low. If you really need to transfer money, you can open online banking for your credit card. The following is a detailed introduction for all card friends.
Only after you open the card and set the password of consumption _ cash withdrawal can you register online. The specific steps are as follows:
1. Log on to the website of China Construction Bank.
2. Click "Online Banking" service.
3. Click to open the "online banking" service.
4. Confirm the customer service agreement.
5. Enter personal data according to the prompt, in which the account number is your credit card and the account password is your credit card consumption _ cash withdrawal password. Enter the additional code according to the box on the right.
After the registration is successful, you can log in to the credit card online bank with your ID number, login password entered at the time of registration and the additional code prompted, so that the credit card transfer can be realized.
Ccb credit card bill installment channel
What are the credit card billing installment channels of CCB? For example, SMS applications, online applications, mobile banking applications and so on can all be realized. In the past, cardholders may need to go to the counter to go through the formalities, but now there are more channels, which naturally facilitates many users.
1. WeChat application
Pay attention to WeChat official account of CCB e-bank, bind the credit card, and click Credit Card-Bill Installment-click here to apply for installment.
2. SMS application
Edit the short message "Last 4 digits # Amount # Period of CCZZ#" with the mobile phone number reserved by our bank and send it to 95533.
3. Mobile banking applications
Enter "Mobile Banking of China Construction Bank", and click "Credit Card"-"Bill Installment Application" in turn.
Step 4 Apply online
For individual online banking users, please click Apply for Bill Installment and select "Credit Card Inquiry-Select-Inquire about Issued Bill-Apply for Bill Installment".
For registered users of credit card channel, please click Apply for bill installment and select "-Bill-RMB-Apply for bill installment".
5. Telephone application
Please call 400-820-0588.
If you need help, please call 400-820-0588 for manual service (please call 02 1-38690588 for non-400 service areas and 86-2 1-38690588 for overseas).
Online payment process of CCB credit card
1. Select online payment of CCB or online payment of Longka to enter the payment page;
2. The cardholder inputs relevant information according to the prompt and clicks Login;
3. The cardholder checks the purchased goods and the amount, and selects the credit account under the payment account after confirmation;
4. Enter the security check code of the credit card, click Pay, and then enter the transaction password according to the prompt.
5. Payment is completed.
I believe that through the introduction, you have been able to master the use of CCB credit cards.
How to use CCB credit card?
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.
-Repayment of RMB arrears in cash and repayment by transfer can be handled at all branches of the Bank, and repayment of US dollar arrears in cash in US dollars must be handled at the branch of the Bank's business place.
-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 the overpayment in RMB account of your credit card is insufficient on the day of foreign exchange purchase, you can also repay the foreign exchange purchase with your available amount, and pay interest from the date of foreign exchange 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.
Some wonderful uses of CCB credit cards are not only normal expenses, but also these uses.
As a member of state-owned banks, CCB is very popular with consumers, and many people are willing to apply for CCB's credit card. In addition to affordable activities and overdraft fees, CCB credit cards also support minimum repayment, overdraft withdrawal and cash transfer. What role does CCB credit card play in consumers? Cai Xiao, this big guy has revealed the multiple functions of CCB's credit card.
Minimum repayment does not affect personal credit information.
There are two columns on the bill: "all payable amount in this period" and "minimum repayment amount". If the funds are sufficient, you can pay off the current bill in one lump sum; If money is tight and you don't want to pay in installments, the minimum repayment amount is a good way, which won't affect your "personal credit record" and only needs to pay five ten thousandths of daily interest.
Cash transfer, instant application, instant collection
Credit is value in today's society. On the current credit card, you can transfer a certain proportion of the funds within the credit limit to your savings account, and you can apply immediately and get it immediately without approval. You only need to pay the handling fee of 1% and the daily interest of five ten thousandths, and you can repay at any time within the repayment period. At present, cash transfer business only supports RMB account operation. You can handle it through mobile banking, online banking, branch counters, STM and ATM.
Overdraft cash withdrawal, free withdrawal, free use
If cash is urgently needed, CCB credit card also supports overdraft withdrawal. You can withdraw cash not exceeding 50% of the credit card amount and not exceeding the current available credit limit. The daily limit of domestic overdraft withdrawal in counter channel is 20,000 yuan, the daily limit of self-service channel is 1000 yuan, the daily limit of overseas overdraft withdrawal is equivalent to 1000 dollars, the monthly limit is equivalent to 5,000 dollars, and the six-month limit is equivalent to 1000 dollars. You can take whatever you want and use whatever you want.
Credit card points can be exchanged for goods or deducted from expenses.
Credit card points can be exchanged and donated in CCB online integral mall, and can also be deducted in many stores across the country. Pay attention to the official account of "Longka Credit Card" WeChat WeChat, and click "My Site-Points Redemption" to enter the online redemption page, which includes all kinds of electronic digital, household necessities, fashionable new products, and iQiyi gold VIP monthly card, telephone bill, Sinopec fuel card and other selected card coupons.
Cai Xiao: The service provided by CCB is still very good. CCB's "security lock" and "self-service limit" functions use a powerful transaction monitoring team to protect users' credit card safety. Many people can blindly apply for credit cards because of CCB's personalized service. I hope you can apply reasonably according to your own situation, and don't be bound by credit cards for convenience.
Credit Card Use Skills of China Construction Bank
Credit Card Use Skills of China Construction Bank
1. How many cards does a person need?
After reading the post, many people were confused by the beautiful appearance and various functions of credit cards and applied for multiple credit cards. In fact, for ordinary wage earners, a savings card (debit card), a quasi-credit card (quasi-credit card) and a credit card (credit card) are enough. Debit cards can be used for saving; Quasi-credit cards can save interest and can also be properly consumed; Credit card loans when buying large items in an emergency. This combination can fully meet the needs of ordinary people's lives.
2. How high is the credit card interest?
The current account is only 0 or 56% in the bank, but the credit card interest is 18%. If the amount is 3,000 yuan, even if you spend 3,000 yuan every day, you can only get the interest of 17 yuan from the bank. How can you owe so much every day? In fact, it is good to earn 5 yuan interest, but as long as you forget to pay back a dime to the bank once, you will have to pay a fine of 10, plus a penalty interest. Be sure to repay the loan before the interest-free period.
3. Is it cost-effective to pay by installment?
Installment payment is free of interest, but the bank will charge a certain handling fee. However, credit card holders should not forget the available balance and installment amount in check card before consumption.
4. Which is safer, signature or password?
Taking signature as proof of credit card consumption is the mainstream of international banking. From the security point of view, this kind of credit card can be consumed only by signing, especially through online banking. Generally, as long as the cardholder's name, credit card expiration date and inquiry password are known, it may be stolen.
Therefore, many cardholders in China think that passwords are more secure than signatures. However, the use of passwords also has some disadvantages, that is, the responsibility of keeping passwords is passed on to cardholders, which means "at your own risk". Once a credit card is fraudulently used, the rights and interests of the cardholder who uses the signature can often be better protected and compensated.
5. What are the disadvantages of credit card withdrawal?
Credit cards can't be fully cashed, but they can be fully consumed or overspent.
If you use a credit card, you can choose the minimum repayment amount, but if you use a credit card to withdraw cash from the bank, you usually have to pay in full.
There is no interest-free period for withdrawal.
Withdraw cash from the bank, and the bank will doubt your financial ability.
6. Interest-free installment activities
Every time we receive a bank statement, we can also receive a bank statement, which can be paid in installments without interest.
For example, buy laptops, mobile phones, DC, DV and so on. Very suitable for friends who like shopping but don't have that much money at present.
However, it should be noted that although it is interest-free, the price of the goods is higher than the market price. In fact, interest is included in the total price. So take this into account when making a decision.
7. Turn off the ATM withdrawal function of the credit card.
It is basically useless to withdraw money from ATM by credit card, and the interest rate is surprisingly high. Once the credit card is stolen, it will bring greater risks. It is suggested to turn off the cash withdrawal function of the credit card.
8. Buy a fund, invest first and then pay.
Fund is the easiest investment and financial management tool for ordinary people. Cardholders who regularly purchase funds with credit cards can enjoy the preferential treatment of investing first, paying later and accumulating points. Buying funds by swiping the card on the fund deduction date and paying on the credit card settlement date can not only earn the cardholder interest, but also get a return without paying the cost if the situation is gratifying and the net value of the fund rises.
After receiving your salary, don't rush to repay or deposit in the bank, but buy money market funds and then spend all your credit cards during the interest-free period. Wait until two days before the end of the interest-free period of the credit card before redeeming the money market fund for repayment. Moreover, some banks now cooperate with fund companies, and can set up money market funds to be automatically redeemed regularly and transferred to credit card repayment accounts, making this "arbitrage" behavior more convenient.
9. Lost or stolen credit cards
Before you apply for a credit card, you must first understand the credit card risk terms of the bank. Don't apply for credit cards from some high-risk banks. These banks usually transfer the credit card risk to the cardholder, so that the cardholder can bear the loss after the credit card is lost and stolen. A good bank promises to bear the stolen loss within 48 hours before reporting the loss.
Therefore, once the user finds that the card is lost or stolen, he should immediately contact the bank to report the loss. Take the credit card of China Merchants Bank as an example. After the credit card of China Merchants Bank is lost or stolen, all the stolen losses occurred within the previous 48 hours can apply for compensation from China Merchants Bank. China Merchants Bank will bear the loss of stolen credit cards. The maximum protection for ordinary cardholders is 6,543,800 yuan, and the gold card is 20,000 yuan per year. It is worth noting that the losses borne by China Merchants Bank do not include transactions conducted through passwords.
10, overflow problem
Overflow is the money left after the overdraft is paid off. Don't think that you can pay off your credit card and deposit the extra money to earn deposit interest. In fact, if you have extra money in it, the bank will charge you a handling fee, and the only choice is to spend it. So try not to overflow.
1 1, cash withdrawal problem
Don't withdraw cash unless you really have no choice. In addition to charging a handling fee as a percentage of the amount, there is also a single handling fee, which is not cost-effective! !
12. There is a charge for card replacement or replacement.
Since you choose to use a credit card, you should be careful not to forget your password, lose your card or damage it, or you will cry to death in the face of high handling fees.
13, free of annual fee for the first year.
Credit cards are swiped more than 6 times a year, and the annual fee for the second year is exempted. If you forget to brush it for 6 times, call customer service as soon as you find an annual fee, and then brush it for 6 times quickly, and the annual fee can be refunded.
14, I lost my credit card.
Don't report the loss, first check whether it has been stolen. If not, call to adjust the credit limit to 0, or cancel the card, or adjust the credit limit to 0 by yourself in online banking (this can be restored to several K or W at any time, and you can't call). If it has been stolen, it will be reported if it exceeds 60. If it does not exceed 60, it is a small card or the limit is adjusted to 0, because it is necessary to report the loss to 60 yuan.
(If the amount exceeds 60, it is not too much. It is recommended to directly return the card or adjust the amount, because it takes a lot of time and energy to apply for compensation, and it is likely that you will not get the money back. If you haven't reported the loss of your card, then go to the bank and fill out a credit card application form. Use a different type of card, just write your ID number and signature, and nothing else needs to be filled in. After getting a new card, the telephone customer service asked to restore the quota. (Because you need 20 yuan to apply for a replacement card, but it is free to apply for a new card. )
15. When applying for a credit card, it is generally required to fill in the minimum repayment amount or full repayment.
Generally speaking, credit cards have an interest-free period, which varies from bank to bank, usually about 50 days. Fill in the full repayment, and pay in advance by credit card 1 0,000 yuan. If the interest-free period has passed, the liquidated damages to be paid are generally five thousandths of the arrears, that is, the liquidated damages to be paid by 5 yuan are one day. If you don't pay it back for more than one month, you will owe the bank 150 yuan 1000 yuan.
If you are busy at work and are worried that you can't remember the repayment, you can apply for a savings card at the same time in the bank that handles the credit card and sign a repayment agreement with the bank. On the last day of the interest-free period, the bank will automatically deduct money from the savings card.
The most important function of credit card is overdraft and recycling consumption. But be sure to pay back on time.
16, try to repay in full.
If there is no full repayment, the total consumption will be calculated at five ten thousandths of the daily interest from the date of swiping the card. When you pay back the money, you should pay back the handling fee and arrears first, and then pay back the money you brushed. The minimum repayment amount can sometimes be tried, because the minimum repayment amount helps to increase the credit limit.
There are two kinds of counter repayment:
1, the repayment is made at the counter of the card-issuing bank: needless to say, most people in the post have a deep understanding, and there is often a long queue and time is limited. Many banks start to settle accounts at 5: 30 pm and don't go to work on weekends;
2. Counter-connected repayment: "Counter-connected repayment" refers to bank cards issued by networked financial institutions, and credit card repayment is conducted through counters of other bank outlets registered in the host system of China UnionPay Trading Center. You don't have to go to the card bank to repay. But at present, there are only seven banks with the same counters: China Merchants Bank, Minsheng Bank, Industrial Bank, China CITIC Bank, Guangfa Bank, Shanghai Pudong Development Bank and Shenzhen Development Bank. Although you don't have to go to the card bank, you have to go to the bank specially.
Although the traditional counter repayment method is inconvenient, it will make people feel more at ease.
17, withdrawal:
Don't trust the credit card outside to raise the limit easily. It is a lie. Someone told you that he could help you increase the limit of XX Bank. Kick him. Call the customer service of XX Bank directly, and the customer service is the most accurate.
Let's not talk about how to use the credit card of China Construction Bank.