Verb (abbreviation of verb) product function On the basis of traditional bank card functions such as transfer, consumption, cash deposit and withdrawal, payment, collection and payment, CCB Dragon Cartoon has added more value-added functions such as financial contract services such as one card, multiple accounts, investment and wealth management. 1. Integrated management of one account and many accounts: In addition to current and fixed deposit accounts in RMB, USD, HKD, Japanese yen, Euro and GBP, other accounts of customers' own construction bank can also be linked with Dragon Cartoon to make overall arrangements for funds. 2. Contract financing and automatic transfer: You can choose a variety of automatic transfer services, such as changing from current account to current account, changing from current account to fixed account, changing from current account to regular account, changing from notice to current account, voucher-based automatic transfer of treasury bonds due, signing automatic remittance, etc. The bank will automatically dispatch funds for customers according to their contracts. 3. Convenient and flexible collection and payment on behalf of customers: Dragon Cartoon can be used as a payroll account, and can also be used to withhold and remit related expenses, thus avoiding the trouble of customers withdrawing cash and paying cash. 4. Investment and wealth management, value preservation and appreciation: Through Dragon Cartoon, customers can handle a series of investment and wealth management businesses such as foreign exchange trading, voucher-type government bonds, funds, bank-securities transfer and customer margin service. It is a good helper to get higher income in financial management. 5. Wide channels and convenient card use: In addition to counter transactions, customers can also use Dragon Cartoon to conduct transactions in special merchants and self-service devices (such as ATM, CDM ATM and self-service terminals). ), telephone banking, online banking and other channels to experience the fun of using the card anytime and anywhere. 6. Overseas transactions, general: UnionPay Dragon Card (formerly Dragon Card Savings Card) can realize overseas cash withdrawal and consumption through UnionPay network; VISA or MasterCard can not only use UnionPay network, but also spend money by swiping cards in merchants with VISA or MasterCard logo in more than 200 countries and regions around the world, and withdraw local currency from ATM machines, making overseas travel more convenient and unique. Customers can also apply to China Construction Bank for automatic foreign exchange purchase and RMB deposit. 7. Convenient bid, automatic upgrade: Longka cartoon is convenient to bid, which can be handled by all branches of CCB. The original dragon card savings card does not need to be changed, and it is automatically upgraded to a dragon card cartoon. The intransitive verb product category CCB Dragon Card is divided into UnionPay Dragon Card, VISA Dragon Card and MasterCard Dragon Card according to the brand of bank card. Seven. Currency and term: CCB Longka can set up multiple accounts with different currencies and terms. 6. Customers: teenagers and children, as well as all customers who love zodiac cards. Service features: Zodiac card is a series of cards, which are issued every year. The card surface is printed with the cartoon patterns of the Zodiac of that year, and it is equipped with exquisite collection card sets, which has high collection and preservation value. Customers can change the zodiac card of the previous year into the zodiac card of that year and keep the original card for their own collection. 8. Regulations or customer guide: the same as UnionPay Dragon Card. Fourth, product functions: it has the functions of bank card payment and settlement of UnionPay Dragon Card and Alipay Card. 5. Customers: online shoppers. 6. Service features: Alipay Dragon Card is issued based on UnionPay Dragon Card, which has all the functions of UnionPay Dragon Card, and also has Alipay cartoon features jointly launched by CCB and Alipay Company. After handling the Alipay Dragon Card, the customer must bring his/her own card to the counter of our bank to go through the signing formalities, and bind the Alipay account opened on the website of Alipay Company with the Alipay Dragon Card. After signing, the Alipay Dragon Card will have the function of "Alipay Cartoon". After that, customers don't need to log in to our online banking, just log in to Alipay account directly. With the payment password of this account, they can use the current balance of Alipay Dragon Card for online payment, and can directly query the balance and payment limit of Alipay Dragon Card account. Customers who hold Alipay Dragon Card also have benefits such as "enjoying the exclusive treatment of Alipay website" and "opening the card today and opening the store after certification today". V. Product Functions CCB Financial Card is a multi-currency comprehensive financial product provided by CCB for middle and high-end customers. It has many functions, such as one-card account, comprehensive management, contract financing, automatic transfer, overseas transactions, global use, collection and payment, SMS notification, personalized number selection and so on. You can also enjoy many distinguished services and financial consultation provided by CCB, which is also a symbol of the distinguished status of customers. 1. One-card multi-account, and comprehensively manage the current and fixed deposit accounts in RMB, USD, HKD, Japanese yen, Euro, British pound and other currencies (hereinafter referred to as local and foreign currencies) in your CCB wealth management card. In addition, you can also link my existing CCB account with the CCB wealth management card to arrange funds as a whole. 2. Sign up for financial management and transfer money automatically. You can register a variety of automatic deposit business, such as changing current account into current account, changing current account into fixed account, changing current account from fixed account, changing current account into current account, notifying to change current account, transferring treasury bonds due, and automatic remittance. The bank will automatically allocate funds for you according to your contract. This feature requires login. 3. Overseas transactions, GM. You can spend money by swiping cards at more than 2,000 merchants with VISA, MasterCard or UnionPay logos in more than 200 countries and regions around the world, and withdraw local currency from nearly one million ATMs, making your overseas travel more convenient and unique. Your wealth management card has the function of overseas transaction when it is opened, and you can close it at any time as needed. The wealth management card has the function of purchasing foreign exchange in RMB, which is convenient for you to stay in consumption abroad. 4. SMS notification is safe and considerate. CCB will provide you with real-time notification of account amount change, due reminder, family greetings, financial information services and other services through SMS, so that you can know your financial situation like the back of your hand. This feature requires login. 5. Investment and wealth management, maintaining and increasing value. With the wealth management card of CCB, you can handle a series of investment and wealth management businesses such as foreign exchange trading, voucher-type treasury bonds, funds and third-party depository, which is a good helper for you to obtain higher returns. 6. It is convenient and flexible to collect and pay. You can use the CCB wealth management card as a salary account, and it can also be used to withhold and remit related expenses, so as to avoid the trouble of withdrawing and paying cash. 7. Comprehensive reconciliation, send regularly In order to let you fully grasp the income and expenditure of the account, China Construction Bank can provide you with a comprehensive statement every month, and all the transaction records in the account are listed at a glance. 8. Wide channels and convenient card use. In addition to trading at CCB counters all over the country, you can also trade at CCB merchants, self-service equipment (such as ATM, CDM automatic deposit machine, CRS automatic deposit and withdrawal machine, BSM self-service terminal, etc.), telephone banking and online banking, and experience the fun of using the card anytime and anywhere. 9. Distinguished service. Customers holding CCB Financial Platinum Card (or Gold Card) can set up our financial center, financial window or VIP room all over the country (or locally). Full-time account managers will provide financial services and enjoy various preferential policies, which will bring you more convenience and dignity. Product category of intransitive verbs CCB financial cards are divided into platinum cards and gold cards according to credit rating, VISA cards and MASTER cards according to bank card brands, and main cards and auxiliary cards according to card-holding relationship. Seven. Currency and maturity: CCB wealth management card can be divided into several accounts with different currencies and maturities. Eight. Rules or customer's guide: When using it, you should abide by the Contract for Receiving Ledangjia Wealth Management Card of China Construction Bank and the Articles of Association of Ledangjia Wealth Management Card of China Construction Bank. For the customer guide, please refer to the Hot Questions and Answers of CCB Financial Card. 4. Wide channels for card use: In addition to the counters of CCB and CCB (Asia), Lugang Dragon Card can also be used at ATMs and POS machines in the following channels: China Mainland, CCB ATM outside Hong Kong and Macao, POS UnionPay ATM, POS CCB (Asia) ATM UnionPay ATM, POS CCB (Macau) ATM UnionPay ATM, POS Note: CCB. Eight. Bidding discount: During the promotion period, customers who successfully apply for the dry port express card and apply for online banking services of CCB and CCB (Asia) will be exempted from the account management fee for the first year (the promotion period is subject to the regulations of local branches). Nine. Card Issuing Target: The card issuing target of Lugang Tonglong Card is 65,438+06 years old natural persons with civil capacity, including mainland residents (including soldiers of China People's Liberation Army and Chinese People's Armed Police Force), Hong Kong, Macao and Taiwan residents and foreign citizens. X. Card Opening Application: When a customer applies for a dry port express card, he/she must fill in the Application Form for Dry Port Express Card Service at the designated outlet of CCB, and at the same time, he/she must provide valid identity documents and proof of address: the valid identity documents for opening an account by CCB must meet the requirements of real-name registration system; The valid identity documents for opening a CCB (Asia) account are: China citizens in China are resident identity cards or temporary id card; Soldiers, armed police did not apply for identity cards, you can use identity cards; Hong Kong and Macao residents are Hong Kong and Macao residents' identity cards; While residents of Taiwan Province Province hold passports. Proof of address includes: proof of address on valid identity document or proof of residence address in the last three months (including telephone bill, electricity bill, gas bill, or statement issued by financial institution, etc.). If the applicant can only provide proof of the spouse's address, he must also provide the original marriage certificate. 4. Small consumer credit: You can overdraw within the credit line approved by our bank. Company cards can only be deposited before use, and cannot be overdrawn. Application card: application conditions 1. A natural person who meets the following conditions can apply for a personal card master card: (1) with full capacity for civil conduct; (2) The age is between 18 and 70; (3) Have a stable occupation and income; (4) Good credit status. 2. Applicants for personal card supplementary cards applying for quasi-credit card supplementary cards must be at least 13 years old, and have the consent of the main card applicant or the main card holder. If they are under the age of 18, they must also obtain the consent of their legal representatives. 3. Organs, organizations, military units, enterprises, institutions and other organizations with a certain scale and good reputation can apply for several unit cards, and the cardholder of each card must be designated in writing by the legal representative (person in charge) of the unit or its authorized agent. Application procedure 1. Personal Card Master Card To apply for a personal card of Longka quasi-credit card, you must fill in the Application Form for Longka quasi-credit card of China Construction Bank (personal card only) and sign the application form, and provide a copy of your valid identification information and relevant credit proof materials. If you are an applicant for household registration in the issuing bank, you need to provide one of the following credit certification materials: (1) work certificate (2) income certificate (3) personal owned assets certificate (4) residence certificate. Non-card-issuing bank household registration applicants need to provide proof of real estate and one of the following credit proof materials: (1) proof of income (2) proof of owning a car (3) foreigners need to provide guarantor guarantee, pledge guarantee or deposit a certain amount of deposit. Note: Work certificate includes copies of work permit and letter of appointment. The proof of income includes the copy of personal income tax withholding certificate in the last three months, the record of provident fund payment in the last three months, the copy of bank card statement/statement/passbook of salary income in the last three months, the copy of social security certificate, the original payroll stamped by the company, the original proof of income stamped by the company, etc. The proof of residence includes the original (or photocopy) proof of payment of telephone charges, water, electricity, coal (gas) charges, property management fees, cable TV fees and Internet broadband fees for the fixed residence in recent 1 month, and the account name of the proof of payment should be the applicant himself; If the name or person is not indicated, the household registration book or marriage certificate shall be provided. The title certificate includes a copy of the local title certificate of the issuing bank, a copy of the purchase invoice or a one-time payment receipt, and a copy of the personal housing mortgage loan contract; Self-built real estate must also provide copies of construction permit, residential land permit and land use approval permit. The vehicle factory certificate includes the copy of motor vehicle driving license, car purchase invoice, motor vehicle registration certificate and driving license agency certificate issued by the vehicle management office where the issuing bank is located. Proof of financial assets includes a copy of time deposit certificate, a copy of passbook and financial management certificate (such as the original list of account transactions with bank seal, etc.). ). The proof of personal ownership of assets includes the above-mentioned property certificate, vehicle production certificate and financial assets certificate. 2. Personal Card Supplementary Card To apply for a personal card supplementary card of Longka quasi-credit card, an application form should be filled in and signed by the main card applicant or cardholder for confirmation. Applicants under the age of 65,438+08 must also sign with the legal representative for confirmation. Applicants can provide their valid identity documents, and applicants under the age of 18 can provide household registration books. 3. To apply for Longka quasi-credit card business card, the legal representative (person in charge) of the company or its authorized agent shall fill in the Application Form for Longka quasi-credit card of China Construction Bank (only for business cards), sign the application form, affix the official seal of the company, and provide a copy of the valid identity certificate of the designated applicant and the basic deposit account account opening permit and organization code certificate stipulated by the People's Bank of China; Organs and institutions must also provide official letters or letters of introduction stamped with the official seal of the unit. Use 1. When paying by credit card, if online transactions are conducted, you should enter or not enter the password agreed with our bank in advance and sign the transaction documents; For offline transactions, you need to show your valid identity documents (except color photo cards) and sign the transaction documents. 2. Withdrawal and transfer: you handle withdrawal and transfer transactions at outlets, and online transactions require you to enter your password and sign the transaction documents; When trading offline, you need to show your valid ID card (except color photo card) and sign the transaction document. Note: When withdrawing money from ATM and other self-service devices, the daily cumulative withdrawal amount of each account shall not exceed the equivalent of RMB 5,000 (inclusive); When you use the credit line to withdraw cash, the daily cumulative withdrawal amount of each account shall not exceed the equivalent of RMB 2,000 (inclusive), and the cumulative withdrawal amount shall not exceed 30% of your credit line, and the transfer transaction shall be regarded as cash withdrawal. 3. Deposits can be handled by card or card number at outlets, and the transaction documents can be signed, without entering a password or showing identity documents. Statement If there is a transaction in your quasi-credit card account in the current month, we will settle your account at the end of the month and send you a statement. Please pay attention to check the statement regularly and take the initiative to audit the accounts. If you are in doubt about the accounting situation, please inquire or correct it to our bank within 90 days from the trading day. Password 1. Lock and unlock the same dragon card quasi-credit card. If the wrong password is entered three times in a row, our bank will immediately lock the card and prohibit all transactions with the card. After the password is locked, you must apply for cancellation at the designated branch of our bank before you can open an account again. Unlocking procedures must be handled by myself with valid identity documents and cards, and cannot be entrusted to others. 2. Report the loss and reset. When you forget the card password, you can report the loss at the designated branch of our bank. After the password is reported lost, you can reset the password and reset it. Loss reporting and password reset must be handled by oneself with valid identity documents, and cannot be entrusted to others.