Supplement: The following is the information of CCB and its credit card.
At the beginning of the founding of New China, China launched the first five-year plan, and large-scale economic construction centered on 156 key projects was launched all over the country. In order to manage the huge construction funds, 1954+00, 1 was the golden key, and China Construction Bank came into being.
From 1954 to 1978, CCB handled the national capital construction budget allocation, managed the financial funds and supervised the capital construction allocation. "Where there are key projects, there will be construction banks", which is somewhat similar to the role of China Development Bank today. After the reform and opening up, China Construction Bank began to provide various commercial banking services for the public.
It was not until 1994 that CCB was fully transformed into a modern commercial bank, and since then it has caught up with the fast lane of development. Today, CCB is the second largest bank in China after ICBC.
1989, CCB opened the credit card field, and then joined MasterCard and Visa, running all the way. By the end of 20 19, the cumulative number of cards issued was nearly1300,000, ranking second in the country.
First, the issuance characteristics of CCB credit cards:
1, CCB cards are complete, and restaurants and entertainment in business travel hotels are fully covered;
2. The premise of CCB card is difficult, and once it was found that there was a loophole in the channel, wool was collected and the quota was increased. Therefore, in the past, most of the card quotas were lifetime quotas, but now they are slightly relaxed;
3. CCB doesn't like Cardo, and it's easier to get off the card within line 6, unless the qualification is good enough.
4. CCB doesn't like multi-head credit or small loans;
5. If the total amount of credit is too high, those with good qualifications can also apply for CCB;
6. The average card amount is low. If qualified, it is generally not recommended to touch CCB, so as not to lower the average card amount and then apply for a new card;
7. After the large consumption bill comes out, it will be invited in stages. Generally speaking, it is not sticky or harassing.
Two. Phased products of CCB:
CCB cares about quality customers;
1. CCB fast loan: up to 300,000 yuan, with an annual interest rate of 4.05%, which can be recycled or phased for up to 36 months;
2. installment of car loan: pay the down payment to the car dealer designated by CCB, and the rest can be repaid in installments, including 12, 18, 24, 36, 48 and 60.
3. Housing finance: large amount of consumer credit such as hard clothes, soft clothes, furniture and household appliances during family house decoration.
4. installment: credit card payment, up to 30w, up to 60 installments, no penalty for prepayment. It is necessary to pay by credit card at designated merchants, such as large-scale durable goods, wedding, childcare, settlement, health and other fields, and automatically repay in installments. The general rate is 0.5% per month, and the quality customers can be as low as 0.35% per month during the activity.
Third, the way to do the card:
1. Online application: WeChat official account, website official website, CCB APP. Generally speaking, online application is not recommended unless it is of high quality (the AUM value in CCB is broken: you have a lot of financial assets in CCB and have seven customers every day);
2. Offline application: submit asset certificates or move bricks in advance, and strength is the last word;
3. Channel application: third-party card channel, wholesale is always better than retail;
4, the logic of the quota: more consumption, more pens, Doby system to increase the quota, it is easier to increase the quota for overseas consumption; Curve cash withdrawal, the qualification has been improved, and the dual-card cash withdrawal mode has been adopted;