Bank of China official credit card

What types of credit cards does China Everbright Bank have?

Everbright Bank credit cards have the following types:

1, business travel credit card.

This kind of credit card is mainly issued by the company, which can help the company improve the management of travel expenses and facilitate employees to reimburse travel expenses. At the same time, the unit can also provide cardholders with higher consumption quota protection.

2. Sports credit card.

This kind of credit card takes sports as its theme, and its main function is either to facilitate the purchase of tickets for a certain sports event or to go to cooperative venues for sports at preferential prices.

3. Charity credit card.

This kind of credit card is generally based on a charity activity, and China Everbright Bank makes donations to this charity activity according to the cardholder's card handling or credit card consumption.

4. Car/gasoline credit card.

Everbright Bank has not issued a real car/gas credit card. Everbright/Wanxing co-branded credit cards are only issued in Shanghai, and can be used as the membership card of Shanghai Wanxing Automobile Company to enjoy the services provided by the company such as automobile sales and insurance.

5. Shopping and spending credit cards.

There are many such credit cards, generally co-branded cards issued by China Everbright Bank and specific merchants or institutions. They can be used as joint membership cards and enjoy shopping discounts.

6. Other special credit cards.

The slogan of Yanhuang Credit Card is "Global Chinese Sharing". In fact, it is a credit card issued for high-end customers (including overseas compatriots in China). Cardholders can enjoy VIP outpatient expert appointment, international outpatient service, appointment and other health service functions at the membership price.

7. Standard credit card.

Sunshine Credit Card is a standard credit card issued by China Everbright Bank. In addition to the basic functions of credit card, it has also jointly developed the business travel service function with Ctrip. It can book travel products (air tickets, hotels, etc.). ) If you buy at a preferential price, you can get double points for credit card consumption.

Extended data

1. All China citizens, foreigners living in China, compatriots from Hong Kong, Macao and Taiwan who have full capacity for civil conduct, legally stable income and good reputation can apply for personal credit card master cards with their valid certificates. Note: the application card needs to be accompanied by work certificate, and other conditions are needed, including social security, institutions and other good enterprises, vehicles, houses and so on. , the specific phone number can be contacted.

Two, the principal cardholder and the deputy cardholder share the same credit line; The cardholder of the primary card can set the usage quota of the secondary card within the credit quota; All transaction funds, corresponding interest and expenses of the secondary card are credited to the account of the primary card, and the cardholder of the primary card is fully responsible for the debts incurred under the primary card and the secondary card.

3. Enterprises, administrative institutions, social organizations and other economic organizations authorized by legal persons who open basic account in domestic financial institutions may apply to card issuers for unit cards with the account opening permit issued by the People's Bank of China. If you apply for a foreign currency unit card, you must also have a stable source of foreign exchange and an account that can legally control its foreign exchange.

Each unit may apply for multiple unit cards, and the cardholder qualification shall be designated or revoked in writing by the legal representative of the applicant unit or its entrusted agent. The applicant shall bear all debts arising from the unit card.

4. When applying for a credit card, the applicant should fill in the application form and the real materials required by the card issuer correctly, completely and truly, and sign a contract with the card issuer. According to the applicant's application and credit status, the card issuer decides whether to approve his application, whether to require him to provide guarantee and the way of guarantee, and decides the credit limit.

Five, credit card applicants to provide security methods include guarantee, mortgage and pledge. The scope of guarantee includes all outstanding debts under the cardholder's credit card, and the corresponding guarantee contract is signed.

6. The credit card issuer of China Everbright Bank provides the cardholder with the inquiry password and transaction password through designated channels.

7. After receiving the credit card, the cardholder shall immediately sign the same signature in the signature column on the back of the credit card and use the same signature in the transaction, otherwise, the cardholder shall be responsible for the losses arising therefrom.

Baidu Encyclopedia-China Everbright Bank Credit Card

What does the gold customer of China Everbright Bank mean?

At present, the debit card of China Everbright Bank implements dynamic rating management, which is based on the average daily balance of personal financial assets of customers in China Everbright Bank for three consecutive months. Everbright Bank Sunshine Gold Card (i.e. gold customer): Everbright Bank's daily average personal financial assets for three consecutive months are 6,543,800 yuan (inclusive)-500,000 yuan; Or apply for a personal loan of 300,000 yuan (inclusive)-800,000 yuan in China Everbright Bank, and the repayment is normal.

The value-added services enjoyed by gold customers of China Everbright Bank in China Everbright Bank are as follows:

Wealth Management Center Account Manager Service1;

2. Financial information services;

3. Suggestions on asset allocation;

4. Redemption of points and preferential merchants;

5. At present, there is no handling fee for depositing and withdrawing money through self-service equipment in the same city and different places in China (self-service equipment deposits in other banks are not supported for the time being).

Extended data:

Introduction of credit card types of China Everbright Bank

4. Car and gas credit cards. Everbright and Anbang Club co-branded credit cards can be used as Anbang Club membership cards, and enjoy preferential services such as installment payment, rescue, auto insurance, auto maintenance, beauty and modification.

Baidu Encyclopedia-China Everbright Bank Credit Card

Baidu encyclopedia-sunshine debit card

Which credit cards of China Everbright Bank are free of annual fees?

1. Free annual fee for life: spell-and-spell co-branded credit card, Everbright Taobao movie doll co-branded card, Everbright Netease koala co-branded card, light Q card blue starry sky, a little information co-branded credit gold card (rich and willful), Everbright Road pink card/small blue card, light Q card pink dream, Everbright Dream Westward Journey credit card gold card, Everbright Guevara co-branded card, and Everbright green zero-carbon credit card.

2. After three transactions in the same year, Everbright Little Yellow Duck Meng Tong Theme Card, Barker Little Yellow Duck Theme Card Husky Edition and Barker Little Yellow Duck Theme Kabafei Edition will be exempted from the annual fee for the first year.

3. Everbright Lucky Cat Theme Credit Card (or free of charge for the next year over 2000 yuan), Fashion COSMO Co-branded Credit Card, Everbright Jiaren Perfume Credit Card, Everbright Securities Fuzun Co-branded Credit Card, Everbright Sohu Video Co-branded Credit Card Gold Card, Everbright Bank Basketball Black Card, Fu Credit Card, Everbright Fu Credit Card Gold Card and Everbright Yanhuang Credit Card Gold Card.

4. Free of the annual fee for the first year, and free of the annual fee for the following year for six transactions in the same year: Sunshine Yiren Titanium International Credit Card and Everbright Elite Credit Card.

Extended data

Annual fee deduction process:

I. Period of validity of integral deduction:

You can call our 7×24-hour global VIP service hotline 4008-11-333 to apply for annual fee deduction for points within the validity period specified in the table below. Applications outside the validity period are not deductible.

Second, the way to apply for deduction

1. Call the 724-hour global VIP service hotline 4008-11-333 to apply for points deduction of annual fee.

Annual fee standard

1. The annual fee policy of most banks has not changed. Generally speaking, the annual fee for a standard credit card is about 100 yuan, while the annual fee for a gold card is generally in 200 yuan or 300 yuan. The annual fee of a single-currency card is lower than that of a dual-currency card. Generally, the annual fee of the supplementary card is halved corresponding to the annual fee of the main card.

2. However, the annual fee standard of credit cards in different banks will be different according to different cards. For example, the annual fee of the standard credit card of Shanghai Pudong Development Bank is the main card 180 yuan and the auxiliary card 90 yuan; The annual fee of the gold card is the main card 360 yuan and the supplementary card 180 yuan; The annual fee for Shanghai Pudong Development Co-branded Card is 360 yuan.

3.PUFA McDull series credit cards have been branded as "free of annual fee for life". Therefore, even for credit cards issued by the same credit card center, the annual fee standard will be very different. Cardholders should first ask how high this "potential cost" is when applying for a card.

Free annual fee rule

1. It's definitely not cost-effective to apply for a card without swiping it, but also to post the annual fee. However, different banks have different annual fee-free rules, which makes it easy for cardholders to inadvertently generate annual fees.

2. Cardholders generally think that credit card agents are exempt from annual fees in the first year, but not all cards are exempt from annual fees in the second year after their credit cards reach a certain standard. For example, ICBC's credit card has no annual fee in the first year, but it needs to be swiped five times or spent more than 5,000 yuan to avoid the annual fee for that year; According to the regulations of China CITIC Bank, the annual fee for the first year can only be waived if you swipe your card once in the first month after issuing the card.

Species introduction

3. Business credit cards, central budget unit business credit cards, sunshine business credit cards and Shaanxi budget unit business credit cards all belong to this kind of credit cards.

4. Sports credit card. This kind of credit card takes sports as its theme, and its main function is either to facilitate the purchase of tickets for a certain sports event or to go to cooperative venues for sports at preferential prices. The main function of Formula One racing credit card is to watch various racing events and buy souvenirs from Shanghai International Circuit at preferential prices.

5. Unionpay Golf Credit Card holders can play golf in cooperative courses at a discount of 3-6%. Sports theme credit card has no special function, its main feature is novel card face and vertical design. China's calligraphy takes "dreams come true" as the main pattern, which embodies the humanistic concept of "China people hold the Olympic Games". The main function of VISA Olympic theme credit card is to facilitate the purchase of Olympic tickets.

6. Charity credit card. This kind of credit card is generally based on a charity activity, and China Everbright Bank makes donations to this charity activity according to the cardholder's card handling or credit card consumption. Mother's Water Cellar-Love Credit Card features that China Everbright Bank donated one thousandth of the credit card consumption to the charity event "Love of the Earth: Mother's Water Cellar".

7. The characteristic of Wuhan Hope Credit Card is that everbright Bank donates 20 yuan to Wuhan Youth Development Foundation for each successful card issue; Every time a cardholder swipes a card, China Everbright Bank donates 0. 1 yuan to the fund.

8. Car/gas credit card. Everbright Bank has not issued a real car/gas credit card. Everbright/Wanxing co-branded credit cards are only issued in Shanghai, and can be used as the membership card of Shanghai Wanxing Automobile Company to enjoy the services provided by the company such as automobile sales and insurance.

9. Baidu Encyclopedia-Da/Anbang Club Co-branded Credit Card can be used as the membership card of Anbang Club and enjoy preferential services such as installment payment, rescue, auto insurance, auto repair, beauty and modification.

References:

Baidu Encyclopedia-China Everbright Bank Credit Card

What kind of credit card is good for China Everbright Bank?

It depends on what kind of card you want to apply for. If the cards are classified only by their appearance and characteristics, the approval conditions for all cards are the same. (For example, Everbright Card, Yanhuang Card, Fokka Card, Little Yellow Duck Card, Golf Card, etc. ), the application conditions of these cards are the same. If you look at the level of the card, it can be divided into general card, gold card and platinum card. The scores are increasing in turn, so if the scores are too high, the requirements for the application are too high. The best application is an ordinary card, and the amount is generally between 2000- 10000 yuan.

1. China everbright bank credit card center was established in July 2003 and formally established at the end of 2003. It is directly under the head office of China Everbright Bank, and it is a credit card center serving consumers within the framework of state-owned holding and international financial organizations' participation in national joint-stock commercial banks. Sunshine Credit Card provides a variety of repayment methods for you to choose from: outlet counter, automatic teller machine (ATM), self-service deposit machine (CRS), multimedia self-service inquiry machine, automatic transfer of Sunshine Card, inter-bank transfer/remittance, online bank repayment and telephone purchase of foreign exchange to make your credit card more worry-free.

Two, the bank according to the credit information provided by the credit card applicant, such as income status and credit rating. , to determine the maximum quantity that can be used within the specified time. The credit line can be recycled, and consumption or withdrawal can be repaid in whole or in part before the due repayment date. Cardholders can also apply for credit card limit adjustment.

Third, 1, business travel credit card. This kind of credit card is mainly issued by the company, which can help the company improve the management of travel expenses and facilitate employees to reimburse travel expenses. At the same time, the unit can also provide cardholders with higher consumption quota protection. Generally, this kind of credit card also has the functions of free annual fee for life, giving aviation accident insurance, and 48-hour card loss protection. Business credit card, central budget unit business credit card, sunshine business credit card and Shaanxi budget unit business credit card all belong to this kind of credit card.

2. Sports credit card. This kind of credit card takes sports as its theme, and its main function is either to facilitate the purchase of tickets for a certain sports event or to go to cooperative venues for sports at preferential prices. The main function of Formula One racing credit card is to watch various racing events and buy souvenirs from Shanghai International Circuit at preferential prices. Unionpay Golf Credit Card holders can play golf in cooperative courses at a discount of 3-6%. Sports theme credit card has no special function, its main feature is novel card face and vertical design. China's calligraphy takes "dreams come true" as the main pattern, which embodies the humanistic concept of "China people hold the Olympic Games". The main function of VISA Olympic theme credit card is to facilitate the purchase of Olympic tickets.

3. Charity credit card. This kind of credit card is generally based on a charity activity, and China Everbright Bank makes donations to this charity activity according to the cardholder's card handling or credit card consumption. Mother's Water Cellar-Love Credit Card features that China Everbright Bank donated one thousandth of the credit card consumption to the charity event "Love of the Earth: Mother's Water Cellar". The characteristics of Wuhan Hope Credit Card are as follows: everbright Bank donates 20 yuan to Wuhan Youth Development Foundation for each successful card; Every time a cardholder swipes a card, China Everbright Bank donates 0. 1 yuan to the fund.

4. Car/gasoline credit card. Everbright Bank has not issued a real car/gas credit card. Everbright/Wanxing co-branded credit cards are only issued in Shanghai, and can be used as the membership card of Shanghai Wanxing Automobile Company to enjoy the services provided by the company such as automobile sales and insurance. Everbright/Anbang Club co-branded credit card can be used as the membership card of Anbang Club and enjoy preferential services such as installment payment, rescue, auto insurance, auto repair, beauty, modification and so on.

5. Shopping and spending credit cards. There are many such credit cards, generally co-branded cards issued by China Everbright Bank and specific merchants or institutions. They can be used as joint membership cards and enjoy shopping discounts. Qingdao Sunshine Food Credit Card can enjoy discounts at more than 400 catering and entertainment merchants in Qingdao. Everbright/Farrell 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 credit card can all receive preferential services in the corresponding merchants.

6. Other special credit cards. The slogan of Yanhuang Credit Card is "Global Chinese Sharing". In fact, it is a credit card issued for high-end customers (including overseas compatriots in China). Cardholders can enjoy VIP clinic expert appointment, international clinic diagnosis and treatment, home visit appointment and other health service functions at the membership price. Obtain financial services such as VIP wealth management; Self-driving travel can get the automobile road rescue service provided by China Everbright Bank. Get aviation accident insurance when purchasing air tickets (up to RMB 6,543.8+0,000). Baby-friendly credit cards can provide professional photography, expert early education, discounts on visiting aquariums, female fitness and beauty protection and other preferential services for babies. Kunming Sunshine Water Card has the function of automatically withholding water charges. Beijing special housing maintenance fund card can check the special housing maintenance fund paid by the cardholder. Digital China Distribution Credit Card is a co-branded card used by Digital China Company and its distributors for distribution and purchase.

7. Standard credit card. Sunshine Credit Card is a standard credit card issued by China Everbright Bank. In addition to the basic functions of credit card, it has also jointly developed the business travel service function with Ctrip. It can book travel products (air tickets, hotels, etc.). ) If you buy at a preferential price, you can get double points for credit card consumption. Ruyi Sambo Credit Card is a credit card specially designed for families. It is aimed at three objects in the family: father, mother and children. The cards are designed with the sun, moon and stars, reflecting good luck and good wishes. "Fu" credit card takes "Fu" as the card surface, and Everbright Bank provides a combination of standard card and mini card.

Will the credit card limit of China Everbright Bank be reduced? Under what circumstances will it be downgraded?

Credit cards have been downgraded for three reasons:

(1) usage times

If you use too little, you risk lowering your quota. Just like me, the purpose of applying for a credit card is actually because you want a gift from others.

② Credit card cashing

Nowadays, many people withdraw cash from credit cards through abnormal means. In recent years, credit card cashing behavior has intensified. Remind everyone not to take chances. Cashing out is an illegal act in itself. If you are only suspected of cashing out, you must go to the bank to make it clear and prove yourself.

(3) Often overdue

"swipe your card for a while and pay back two lines of tears." Credit cards bring us great convenience in daily payment, but it is this convenience that makes many people fail to correctly evaluate their repayment ability when spending, which leads to the overdue of credit cards. Accumulated many times, the bank will judge that your repayment ability is insufficient, and the natural limit will be reduced.

Extended data;

Credit card type of China Everbright Bank:

Baidu Encyclopedia-China Everbright Bank Credit Card

Does China Everbright Bank need to activate its credit card when it expires?

Everbright Bank's credit card needs to be activated when it expires.

There are three activation methods:

1. Activate through the customer service hotline and call the 24-hour global service hotline of China Everbright Bank (on the back of your credit card): 4007-888-888. Then enter the personal information reserved when applying according to the voice prompt → Everbright Bank credit card is activated successfully. You can open your credit card.

2. Handle the credit card area of China Everbright Bank, and then enter relevant information such as++and ID number according to the prompt to activate. Operating environment: MacBook, MAC OS( 10. 15.7) system, google version 92.0.4515.131.

3. Through the counter of the nearest Everbright Bank outlet, you need to provide the original credit card and ID card for activation.

The credit card of China Everbright Bank is valid for five years and needs to be replaced after the expiration. Everbright Bank will call the cardholder about one month before the credit card expires and ask whether it is necessary for the cardholder to continue mailing the new card. After obtaining the consent of the cardholder and checking the delivery address, the new card will be mailed to the designated address. The new card will be consistent with the original card in terms of account information such as quota, function and points. After the new card is activated, the old card will be invalid.

Everbright Bank Credit Card:

China Everbright Bank Credit Card Center was established in July 2003 and was formally established at the end of 2003. It is directly under the head office of China Everbright Bank, and it is a credit card center serving consumers within the framework of state-owned holding and international financial organizations' participation in national joint-stock commercial banks.

Sunshine Credit Card provides a variety of repayment methods for you to choose from: outlet counter, automatic teller machine (ATM), self-service deposit machine (CRS), multimedia self-service inquiry machine, automatic transfer of Sunshine Card, inter-bank transfer/remittance, online bank repayment and telephone purchase of foreign exchange to make your credit card more worry-free.

Category introduction:

1, business travel credit card. This kind of credit card is mainly issued by the company, which can help the company improve the management of travel expenses and facilitate employees to reimburse travel expenses. At the same time, the credit card department of China Everbright Bank can also provide cardholders with higher consumption quota protection. Generally, this kind of credit card also has the functions of free annual fee for life, giving aviation accident insurance, and 48-hour card loss protection. Business credit cards, business credit cards of budget units of relevant departments, business credit cards of Sunshine Business Travel and business credit cards of budget units of Shaanxi Province all belong to this kind of credit cards.

6. Other special credit cards. The slogan of Yanhuang Credit Card is "Global Chinese Sharing". In fact, it is a credit card issued for high-end customers (including overseas compatriots in China). Cardholders can enjoy VIP outpatient expert appointment, international outpatient service, appointment and other health service functions at the membership price. Obtain financial services such as VIP wealth management; Self-driving travel can get the automobile road rescue service provided by China Everbright Bank. Get aviation accident insurance when purchasing air tickets (up to RMB 6,543.8+0,000). Baby-friendly credit cards can provide professional baby photography, expert early education, discounts on aquarium visits, female fitness maintenance and other preferential services. Kunming Sunshine Water Card has the function of automatically withholding water charges. Beijing special housing maintenance fund card can check the special housing maintenance fund paid by the cardholder. Digital China Distribution Credit Card is a co-branded card used by Digital China Company and its distributors for distribution and purchase.

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