Ha ha, man, let's answer one by one:
1. If you don't open the card now, it doesn't matter. The customer service phone on the back of the punch card can be cancelled.
2. A good record of a credit card is not helpful for a loan, but a bad record will be referenced by the lending bank. Ha ha.
3. After the credit card is bound to the salary card, the amount owed by the credit card will be deducted from your salary card on the last repayment day of each month. If the amount in the salary card is not enough, try to deduct it. If the deduction is not careful enough, it will lead to overdue records, which may produce bad records and affect credit.
Small consumption in a short time will not increase your credit limit. It takes a year or two to cultivate. Only with good credit and positive consumption can we grow, depending on the specific situation.
2. CCB credit card knowledge
Hello, annual fee-free policy: Puka Gold Card swipes the card three times to avoid the annual fee for the following year (excluding special cards such as business cards and car cards). Withdrawal fee: within China: 5‰ of the transaction amount, with the lowest 2 yuan and the highest 50 yuan; Overseas: 3% of the transaction amount, with a minimum of $3.
Maximum interest-free period: more than 50 days. Account management: independent repayment on a single billing day. Independent online payment: Alipay: It can be used after online registration. Single and single-day quotas are all installment businesses within 500 yuan. Specific merchants (3, 6, 12) support interest-free installment business. After a single consumption exceeds 65,438+0,000 yuan, you can apply for installment (3,6,65,438+02) by phone, and each installment will generate different billing dates according to the number of installments: February, May, July, 65,438+00 is the billing date, and the cardholder can change the main card category: ordinary card (line)
3. What is the common sense of CCB's credit card handling?
1. Due to incomplete application materials, the application cannot be submitted. The first step in applying for a credit card is to submit the application materials.
However, many small partners think that how many materials are submitted, if not enough, they can make up later. In fact, if the necessary materials are not ready, it is impossible to submit a credit card application! Usually, the necessary materials for applying for a credit card are: ID card, work certificate (social security card, work card, labor contract) and income certificate (official seal or financial seal issued by the unit).
If it is a private owner, a copy of the business license is required. 2. The credit card limit is determined by the banking system, and the credit card limit is determined by the internal system of the bank.
The system will comprehensively evaluate the applicant's financial ability and credit information, and then give the appropriate credit card approval amount. In addition, the bank has a "rigid deduction" rule for the credit card amount applied, that is to say, assuming that the applicant's qualification is only enough to be approved with a quota of 50,000, and he has applied for three credit cards with a total amount of 40,000, then the credit card application amount will generally not exceed 1 10,000 yuan.
If you want to get as high a credit card as possible, you can ask the platinum card customers of the bank to make recommendations for yourself, or apply for a "group office" with your colleagues, which will help the success rate and quota. 3, special card types do not open the card and charge. In most cases, credit card applications do not require any fees.
However, for some special cards, such as DIY cards and platinum cards, it is likely that the annual fee or business card printing fee will be deducted if the cards are not opened.
4. Which is the credit card of China Construction Bank?
At present, the types of dragon cards that have been publicly issued are: Dragon Card Campus Card, Dragon Card Business Card, Dragon Card Automobile Card, China Eastern Airlines Dragon Card, Shanghai Volkswagen Dragon Card, Dragon Card Hong Kong Wonderful Travel Credit Card, China Construction Bank VISA Card, Yilong Changxing Dragon Card, Mango Travel Dragon Card and Dragon Card (Masters Cup) Tennis Card.
China citizens with full capacity for civil conduct, foreigners with fixed occupation and residence in China and compatriots from Hong Kong, Macao and Taiwan who have reached the age of 65,438+08 can apply for this credit card. There is no specific requirement for which card to handle, mainly depending on which card is most suitable for the cardholder's card demand.
If the credit card is only used for overdraft consumption and no other auxiliary functions are needed, the standard card of CCB Longka Credit Card is enough. If you need other auxiliary functions, such as mango travel card, you can enjoy discounts in mango net.
If you are a car owner and want to enjoy some value-added services about cars, you can apply for a car card and so on. The function of CCB Credit Card can be seen and introduced in CCB official website.
The annual fee policy of CCB is different for different cards. The standard card is swiped three times to avoid the annual fee for the first year and the annual fee for the next year. Other cards are free of annual fees, and some cards are free of annual fees. China Construction Bank can report the loss of credit cards by zero-risk telephone. After the loss report takes effect, we will provide security without any financial risks.
In addition, you can also apply for a supplementary card for your family, which can not only realize flexible family financial management, but also meet the children's financial needs. It is an ideal tool for the whole family to share a superior life.
5. What are the risks of CCB's credit card investment?
Many people will make use of the interest-free period of China Construction Bank to invest and manage money and seek profit returns. As we all know, credit card investment also has various risks.
The first is personal credit risk. If you invest by credit card, you will almost use up all the credit card quota on the start date of bookkeeping, and the funds will be used in the same place, and this consumption behavior will be monitored by the bank every month.
The general bank will think that this is a malicious credit card cashing, stop the user's credit card and issue a warning; It is light to "punish" in disguise by gradually reducing the user quota, and it is heavy to leave a bad record in the central bank's credit information center. May face legal risks.
If an investor fails to repay the credit card limit in full and on time, it is deemed as "knowing that he has no repayment ability, but he overdraws a lot and can't return it" or "squandering overdraft funds and can't return it" or "other acts of illegally occupying funds and refusing to return it", then the investor is suspected of committing a criminal offence and will be punished by law.
6. What materials does CCB need to apply for a credit card?
CCB needs to provide the following materials when handling credit cards: main card: 1. Valid identity documents; 2. Proof of financial resources (such as a copy of social security form, payment record of provident fund or personal income tax withholding certificate in the last 3 months).
Supplementary card: valid identification (/kloc-supplementary card applicants under the age of 0/6 must provide household registration books, etc. ). Note: Identification certificate of foreigners (including compatriots from Hong Kong, Macao and Taiwan and foreigners): (1) Hong Kong and Macao residents provide Hong Kong and Macao Mainland Pass, international credit card purchase slip and a copy of their local ID card; (2) Residents in Taiwan Province Province shall provide a five-year mainland travel permit for taiwan residents, international credit card purchase slip and a copy of local ID card; (3) Foreigners provide passports.