How to check the credit limit of Everbright Bank credit card? Surprisingly, there are 6 ways to check!

As we all know, the credit card limit is not static, it will be reduced with the card's consumption, in addition to the bank will also be based on the cardholder's use of the card and creditworthiness to raise or lower the amount, which requires you to grasp the credit card limit query method, in order to timely understanding of how much credit card limit. However, different banks credit card limit inquiry method is different, for example, Everbright Bank credit card, surprisingly, there are six kinds of limit inquiry method, the following one to understand it.

The credit card limit of Everbright Bank is related to the level of the card, in which the limit of the universal card, gold card and titanium card is up to 50,000 yuan; the limit of the platinum card is at least 50,000 yuan, and up to 500,000 yuan; the limit of the unlimited card is up to 1,000,000 yuan (inclusive), and the approved limit is different for each person with different creditworthiness.

You can check the Everbright Bank credit card limit in the following six ways:

1, online banking inquiry: through the personal online banking - credit card - "account information query", "available credit" field to check the current credit card available 2, the official network query: through the credit card zone website, left click on the "login", enter / document number, verification code and dynamic password login, in the function column select "account services" - " Account information inquiry" query;

3, WeChat query: through the WeChat banking page at the bottom of the "Sunshine Wealth" column, select "credit card", click on the pop-up graphic and select the "account inquiry". "Account Inquiry" field to check the current available amount of a single card;

4, mobile banking query: through the mobile banking all-credit card-"query quota" to see the current available amount of a single card;

5, the Sunshine Hui Life APP inquiry: You can check the current available credit limit by selecting "Limit Management" on the "Card Life" page of the "YangGuang Huizhou Life" APP;

6, SMS inquiry: Use the cell phone number reserved for the credit card to edit the SMS "credit limit # last 4 digits" and send it to 95595 to inquire about the current credit card available limit.

How to Activate Everbright Bank Credit Card

There are three ways to activate Everbright Bank credit card:

One, customer service hotline activation

Dial Everbright Bank's 7X24 global service hotline (on the back of your credit card): 4007-888-888. then follow the voice prompted to enter the personal information reserved in the application → Everbright Bank credit card activation is successful. You can then activate your credit card.

Second, through the Everbright Bank credit card zone activation

According to the prompts to enter, ID card number and other relevant information to activate.

Three, through the Everbright Bank branch counter activation

The counter activation needs to provide the original credit card and ID card for activation.

Credit cards, also known as credit cards, are credit certificates issued by commercial banks or credit card companies to credit-qualified consumers. It takes the form of a card with the name of the issuing bank, expiration date, number, and name of the cardholder printed on the front and a magnetic strip and signature strip on the back. Consumers with credit cards can shop or spend money in specialized commercial services, and then the bank settles with the merchant and the cardholder, who can overdraw within the specified limit.

China's relevant law ("Interpretation of the Standing Committee of the National People's Congress on the Provisions Concerning Credit Cards") stipulates that a credit card refers to an electronic payment card issued by a commercial bank or other financial institution that has all or part of the functions of consumer payment, credit facilities, transfer and settlement, and access to cash, etc.

On December 1, 2017, the "Translation of the English Language in the Field of Public***services Norms" was formally implemented, stipulating that the standard English name for credit cards is CreditCard.Credit card consumption is a way of paying for non-cash transactions, without paying cash when consuming, and repaying when the billing date is due.

Credit cards are divided into credit cards and quasi-credit cards. Credit cards are credit cards in which the cardholder has a certain credit limit and can make payments after spending within the credit limit; quasi-credit cards are quasi-credit cards in which the cardholder is required to deposit a certain amount of reserve, and can overdraw the card within the specified credit limit when the balance in the reserve account is insufficient to make payments. The term credit card generally refers to credit cards alone.

January 1, 2021, the credit card overdraft interest rate by the card issuer and the cardholder to determine the independent negotiation, the abolition of credit card overdraft interest rate upper limit and lower limit management (the original upper limit for the daily interest rate of five ten thousandths of a percentage point, the lower limit for the daily interest rate of five ten thousandths of a percentage point of 0.7 times).2021, May 25, 2021, the Supreme People's issued and implemented the "Supreme People's Provisions on a Number of Issues on the Trial of Civil Cases on Bank Cards ".

Everbright Bank Credit Card Points Accumulation and Redemption Rules

Depending on the different regulations of each bank, credit card points can generally be used to exchange for gifts, to offset the annual fee of the card, or to offset cash spending. What are the rules for accumulating Everbright Bank credit card points? How to redeem points?

I. Everbright Bank Credit Card Points Redemption

II. Everbright Bank Credit Card Points Accumulation Rules

III. Everbright Bank Credit Card Points Validity Period

IV. Everbright Bank Credit Card Points Query Methods

Everbright Bank Credit Card Points Redemption

I. Everbright Bank Credit Card Points Redemption Rules

1. p>1. After the customer successfully redeems the integral gift, China Everbright Bank will deduct the corresponding integral points from the customer's integral account, and the customer is not allowed to ask for the restoration of the integral points.

2. The redemption standards and rules for each gift are subject to the announcement or catalog of the rebate activity at the time of redemption. Some of the redemption gifts are limited in quantity and will be redeemed until they are gone. Please pay attention to the gifts and promotional materials on the Bank's points redemption website.

3. Points gifts with expiration dates in the redemption announcement or catalog cannot be redeemed after the expiration date.

4. If there are insufficient points in the customer's points account, the redemption application will automatically expire without further notice.

5. In order to protect the rights and interests of the customers, all the gifts redeemed for points shall be signed for by the recipient designated by the customer after being delivered to the address specified by the customer. If there is no special instruction, the gift will be delivered by the supplier.

6. If the customer's cell phone information is inconsistent with the information registered when applying for a debit or credit card, it will affect the redemption of points. Please be sure to update your cell phone information in a timely manner.

2. Everbright Bank Credit Card Points Redemption Methods - Online Banking Redemption

1. Log in to Everbright Bank Credit Card Zone "Reward World" channel to enter the points redemption page;

2. Select the gift you need to redeem and click on the picture of the gift. Select the gift you need to redeem, click on the picture or name of the gift to enter the gift details page, and then click "I want to redeem" to add the gift to your shopping cart;

3. On the shopping cart page, select "Continue to redeem" or "Confirm gift redemption" and click "Redeem". After confirming the redemption of the gift, click "Enter Checkout Center";

4. After filling in the personal information correctly, click "OK" button to enter the order confirmation page;

5. In the order confirmation page, choose "credit card billing address" or manually enter the delivery information to select "designated shipping address";

6. If you choose "designated shipping address" for delivery, please If you choose "Designated Delivery Address" for delivery, please enter the "Verification Code" and click on "Get Dynamic Password";

7. Enter the dynamic password that you have obtained and click on "Next", then the gift redemption will be completed.

Three, Everbright Bank credit card points redemption methods - customer service telephone redemption

Everbright Bank credit card customers can call Everbright Bank 24-hour customer service hotline 95595, select manual service for points redemption or inquiry.

Everbright Bank Credit Card Points Accumulation Rules

I. Everbright Bank Credit Card Points Rules

1. All customers with China Everbright Bank points, customers can automatically accumulate points with credit card and debit card transactions, and credit card and debit card points can be combined. The premise of the combined use of customer points: Everbright Bank of China customers with identity card information (including "name", "identity card", "identity card number" information) for debit and credit cards. If the customer applies for a debit card and a credit card with ID information (including "name", "ID" and "ID number"), the debit card points and credit card points will be automatically merged. If a customer uses non-ID information to register for credit and debit cards, or if the registered ID type or ID number information is inconsistent, the customer's credit card and debit card points cannot be combined and can only be used separately.

2. This points reward program allows points redemption with the main credit card or the standard card of the main credit card, and the points of the secondary card, MINI card and heterogeneous card are combined and counted in the points account, so you can't apply for the points gift redemption, but you can check the information of the points account. Sunnyway Card and Digital China Distribution Credit Card issued by China Everbright Bank do not participate in the Points Reward Program. If there are special regulations for other credit cards, cardholders are requested to pay attention to the gifts and promotional materials on the Bank's points redemption website from time to time, subject to the announcement.

3. When an Everbright Bank customer redeems a gift from China Everbright Bank according to the terms of this rule, the customer immediately loses the eligibility to redeem points under the Points Reward Program under any of the following circumstances:

1) the credit card or debit card is deactivated or regulated, the credit card is canceled by the cardholder himself/herself, or the account is frozen;

2) there is an overdue payment outstanding, and the minimum payment amount for the two-month statement has not been paid;

3) the cardholder is not eligible to redeem points under the Points Reward Program. repayment amount;

3) violating the terms and conditions of China Everbright Bank Credit Card Agreement and the Terms and Conditions or other relevant regulations;

4) other special circumstances stipulated by China Everbright Bank.

2. Everbright Bank Credit Card Points Accumulation Rules

1. Everbright Bank credit cardholders can earn points for credit card purchases, cash advances, as well as mail-order and installment payments through their credit cards.

2. Everbright Bank credit cardholders can earn 1 point for a single purchase or cash withdrawal of RMB 1 yuan and 8 points for US$1. The maximum amount of points for a single RMB cash withdrawal is 20,000 points, and the maximum amount of points for a single US dollar cash withdrawal is 24,000 points, of which no points will be calculated for cash withdrawal transactions without a cash withdrawal fee. Points generated from the transaction amount will be effective on the next day of the bank's crediting date.

3. If Everbright Bank credit cardholders have more than two credit cards, the points accumulated on each card will be combined.

4. In case of refund due to credit card statement dispute or other reasons, Everbright Bank of China will adjust the points that have already been earned proportionally according to the amount of the refunded money.

5. China Everbright Bank reserves the right to adjust the conversion ratio of the points, and reserves the right of interpretation within the scope permitted by law.

3. However, points will not be calculated for the following items:

1. real estate transactions;

2. automobile sales transactions;

3. wholesale transactions;

4. public hospitals transactions;

5. public ****schools transactions;

6. charitable and social service transactions;

7, government services category deals.

Everbright Bank Credit Card Points Validity Period

I. Everbright Bank Credit Card Points Validity Rules

Everbright Bank Credit Card Points Validity Period is the period of time that Everbright Bank encourages cardholders to use credit card to consume and gives value-added function, Everbright Bank credit cardholders can redeem attractive gifts, airline miles and other prizes after accumulating points up to a certain amount by swiping the credit card to consume. The credit card can be redeemed for attractive gifts, airline miles and other prizes to enjoy the value-added services brought by the credit card.

The validity of Everbright Bank credit card points

The validity of Everbright Bank credit card points is 5 years (including the year in which the points are generated), and the points can continue to be exchanged for gifts after the expiration of the card is renewed.

For example, if Ms. Hu spends RMB 80 on August 8, 2007 with her Everbright Bank credit card, and the points generated from this spending come into effect on the next day, the 80 points will expire on December 31, 2011; and if she withdraws RMB 70 on January 2, 2008 with her Everbright Bank credit card, and the points generated from this amount come into effect on the next day, the points generated from this withdrawal will expire on December 31, 2012, and the points will expire on the next day. December 31, 2012, the points earned from this cash withdrawal will expire on December 31, 2012

Everbright Bank Credit Card Points Inquiry Methods

One, Everbright Bank Credit Card Points Inquiry Methods - Statement Inquiry

The Bank will show the introduction of points redemption gifts and customer points summary information on the monthly statement sent to credit card holders.

The Everbright Bank credit card points inquiry method - ATM self-service equipment

Everbright Bank customers can hold a valid card to use the Bank's ATM self-service equipment to check the points account information.

Three, Everbright Bank credit card points inquiry method - customer service manual

Everbright Bank customers can call Everbright Bank 24-hour customer service hotline 95595, choose manual service for points redemption or inquiry.

Four, Everbright Bank credit card points query method - website query

Everbright Bank customers can log on to the Bank's website "credit card" channel "Rewards world

Customers of Everbright Bank can visit the "Rewards World" section of the "Credit Card" channel on the Bank's website, or directly visit the "Rewards World" section of the Bank's credit card zone to inquire about their favorite gifts and points account information.

Fifth, Everbright Bank credit card points query method - Internet banking inquiry

Customers log on to the Bank's Internet banking, enter the "customer service" channel "points management

Customers log on to the bank's online banking and enter the "Customer Service" channel "Points Management" page to inquire about their points account information.

Sixth, Everbright Bank credit card points query method - SMS query

You can also use the credit card reserved cell phone number to write a short message "points" sent to 95595 query the current total points.

How do I activate my Everbright Bank credit card when it expires?

Everbright Bank credit cards need to be activated when they expire.

There are three ways to activate it:

1. Activate it through the customer service hotline by calling Everbright Bank's 24-hour global service hotline (on the back of your credit card): 4007-888-888. Then follow the voice prompts to enter the personal information you reserved when applying for the card → Everbright Bank credit card activation is successful. Then you can activate your credit card.

2, through the Everbright Bank credit card zone, and then according to the prompts to enter, ID card number and other relevant information to activate. The operating environment: MacBook, macOS (10.15.7) system, google version 92.0.4515.131.

3, through the nearest Everbright Bank branch counter, activation, you need to provide the original credit card, ID card to activate.

Everbright Bank credit card is valid for five years, after the expiration of the need to replace the new card, Everbright Bank will be about a month before the expiration of the credit card will give a call to notify the cardholder and ask the cardholder whether they need to continue to mail a new card for use, after obtaining the consent of the cardholder and verification of the delivery address, will be sent to the designated address of the new card mailed. The new card sent will be consistent with the original card in terms of credit limit, functions, points and other account information, and the old card will become invalid after the new card is activated.

Everbright Bank Credit Card:

Everbright Bank Credit Card Center was founded in July 2003 and formally established at the end of 2003, directly under the head office of China Everbright Bank, is a credit card center that serves the majority of consumers within the framework of a state-controlled national joint-stock commercial bank with participation by international financial organizations.

Sunshine credit card provides a variety of repayment methods for you to choose from: branch counters, automated teller machines (ATMs), self-service deposit machines (CRS), multi-media self-service inquiry machines, Sunshine card automatic transfer, inter-bank transfers/remittances, online banking repayment, telephone purchase of foreign exchange repayment, so that your card more worry-free.

Type introduction:

1. Official business travel credit card. This type of credit card is mainly relying on the unit to issue, can help the unit to improve the management of travel expenses, convenient employees to reimbursement of business expenses. At the same time, Everbright Bank credit card units can also provide cardholders with a higher spending limit guarantee. This type of credit card is also generally equipped with lifetime annual fee waiver, complimentary aviation accident insurance and 48-hour lost card protection. Official credit cards, official credit cards of relevant departmental budget units, sunshine business travel credit cards, and official credit cards of Shaanxi Province budget units all belong to this type of credit cards.

2. Sports credit cards. This type of credit card is themed on sports, and its main function is either to provide the convenience of purchasing tickets to a certain sporting event or to exercise at a cooperative venue at a discounted price. The main function of the Formula Racing Credit Card is to facilitate the watching of various racing events and the purchase of souvenirs of the Shanghai International Circuit at preferential prices. Cardholders of UnionPay Golf Credit Card can play golf at partner courses at visitor prices ranging from 30% to 60% off. Sports theme credit card has no special function, the main feature is the novel card face, vertical design, Chinese calligraphy "Dreams Come True" as the main pattern, reflecting the humanistic concept of "Chinese people running the Olympics". The main function of the VISA Olympic-themed credit card is to facilitate the purchase of Olympic tickets.

3, charity credit cards. This type of credit card is usually themed on a charitable activity, and Everbright Bank donates to the charitable activity based on the cardholder's card or card consumption. Mother's Water Cellar - Love Credit Card is characterized by Everbright Bank, according to the card consumption of one thousand percent of the donation to the "love of the earth: mother's water cellar" public welfare activities. The Wuhan Hope Credit Card is characterized by a donation of 20 yuan from Everbright Bank to the Wuhan Youth Development Foundation for every card successfully issued; for every purchase made by the cardholder, Everbright Bank donates another 0.1 yuan to the fund.

4. Auto/gas credit cards. Everbright Bank does not issue a real auto/gas credit card. The Everbright/Wanxing co-branded credit card is only issued in Shanghai, and can be used as a membership card of Shanghai Wanxing Automobile Company to enjoy the car sales, insurance and other services provided by the company. The Everbright/Anbang Club Co-branded Credit Card can be used as a membership card of Anbang Club to enjoy preferential services such as installment payment for car purchase, rescue, car insurance, car repair, beauty care and modification.

5, shopping and consumption credit cards. These credit cards are numerous, and are generally co-branded cards issued by Everbright Bank and specific merchants or organizations. They can be used as membership cards of the co-branded parties to enjoy discounts on shopping and consumption. The Qingdao Sunshine Gourmet Credit Card can be used to enjoy discounts at over 400 dining and entertainment merchants in Qingdao. Everbright/Farrier Co-branded Credit Card, Everbright-Unicom General Points Co-branded Credit Card, Shenzhen Anju Co-branded Credit Card, Shenzhen Sun Department Store Co-branded Credit Card, Everbright-Fashion Co-branded Credit Card, Zhengzhou Zhengdao Garden Yanhuang Credit Card, and Everbright Du Purchase Credit Card, can enjoy discounted services at the corresponding merchants.

6. Other specialty credit cards. The slogan of Yanhuang Credit Card is "Global Chinese **** enjoy", which is actually a credit card issued for high-end customers (including overseas compatriots in China), cardholders can enjoy VIP outpatient specialist appointments, international outpatient clinics, book appointments for outpatient services such as health services at the price of a member; access to VIP wealth management and other wealth management services; driving Everbright Bank provides auto roadside assistance services for travelers; and airline accident insurance (up to 1 million yuan) for air ticket purchases. Baby-friendly credit card can provide baby professional photography, expert baby care and early education, oceanarium visit discounts, women's fitness maintenance and other preferential services. Kunming Sunshine Water Card has the function of automatic deduction and payment of water bills. Beijing Housing Special Maintenance Funds Card can inquire the special housing maintenance funds that have been paid under the cardholder's name. Digital China Distribution Credit Card is a co-branded card used by Digital China and its distributors for distribution purchases.

7. Standard credit card. The Sunshine Credit Card is a standard credit card issued by Everbright Bank. In addition to the basic functions of a credit card, it has jointly developed a business travel service function with Ctrip.com, which allows you to book travel products (air tickets and hotels, etc.) at a preferential price and receive double points for swiping the card. The Ruyi Sanbao Credit Card is a credit card designed for families, targeting the three objects in a family: father, mother and child, and designing the card face with the sun, the moon and the stars, reflecting the blessings of good fortune. The "Blessing" credit card, with "Blessing" as its card face, is available in a combination of standard card and MINI card from Everbright Bank.

Everbright Bank Credit Card Points Redemption Methods

Everbright Bank Credit Card Points Redemption Methods I: Online Banking Redemption

1. Log on to Everbright Bank Credit Card Zone "Rewards World" Channel to enter the points redemption page;

2.

2. Select the gift you need to redeem, click on the gift picture or gift name to enter the gift details page, and then click on "I want to redeem" to add the gift to your shopping cart;

3. In the shopping cart page, select "Continue to redeem

3. On the shopping cart page, select "Continue to redeem" or click "Go to checkout" after confirming the redemption of the gift;

4. After filling in the personal information correctly, click "OK" button to enter the order confirmation page;

5. order confirmation page, select "credit card billing address" or manually enter the delivery information to select "designated shipping address";

6, such as selecting "designated shipping address

6. If you choose "Designated Delivery Address" for delivery, please enter the "Verification Code" and click on the "Get Dynamic Password";

7. Enter the dynamic password you have obtained and click on "Next", the gift redemption is completed.

Everbright Bank Credit Card Points Redemption Method 2: Telephone Redemption

Everbright Bank credit cardholders can call the 24-hour credit card service hotline 4008-1-95595 - select "9" to enter the manual service, Everbright Bank Credit Card Points Redemption The following is a list of the most popular credit card points that can be exchanged for gifts.

1, Everbright Bank credit card main card or main card standard card for points redemption, deputy card, MINI card and heterogeneous card points are combined into the points account, you can not apply for points gift redemption, but you can check the points account information.

2. Sunnyway Card and Digital China Distribution Credit Card issued by Everbright Bank do not participate in the points reward program. If there are special regulations for other credit cards, cardholders are requested to pay attention to the gifts and promotional materials on the Bank's points redemption website from time to time, subject to the announcement.

3. All points redemption gifts of Everbright Bank credit cards need to be signed for by the customer's designated recipient after being delivered to the customer's designated address.

The introduction of the Everbright credit card zone will chat here.