Everbright Bank Credit Card Phone 24-hour Customer Service Manual

What are the credit cards of China Everbright Bank-Puka, Gold and Platinum?

The credit card limit of China Everbright Bank is as follows:

1, Puka:

The general card limit of China Everbright Bank is around 1 10,000 yuan to 50,000 yuan. It is the lowest-ranking card in China Everbright Credit Card, and its card face is colorful. If it is the first time to apply for a credit card, you can apply for an ordinary card, which will generally be easier to pass. The annual fee of Puka can be reduced or exempted by the number of swipes and the amount of consumption.

2. Gold card:

Everbright Bank's gold card quota is generally around 30,000 yuan to 50,000 yuan. The main color of the card surface is mostly golden yellow, and the approval is stricter than that of ordinary cards. Generally, the annual fee can be reduced by the number of credit card swipes and the amount of consumption.

3. Platinum card:

The amount of platinum card of China Everbright Bank generally ranges from 50,000 to 5 million. Platinum cards are mostly silver-white with letters such as "P" or "Platinum" to distinguish them from ordinary cards. Platinum card is the most rigorous credit card, and it is inevitable to pay an annual fee under normal circumstances. The special services of Platinum Credit Card in China are generally concentrated in special line customer service telephone, golf, airport VIP, free physical examination, high insurance and emergency support services.

How to inquire about the credit card gold card quota of China Everbright Bank?

1, customer service query

Call Everbright's 24-hour customer service hotline 95595 and listen to the instructions to check the credit card limit;

2, SMS query

Use a credit card to reserve a mobile phone number, and send the last four digits of SMS limit # to 95595 to inquire about the current available limit;

3. Online inquiry

Log in to the homepage of China Everbright Bank Credit Card Center, click on Credit Card Online Banking, select Online Banking, then log in to the account password of the relevant credit card and enter my account to find the credit limit of the card;

4. Bill inquiry

Cardholders can check your credit card limit on each credit card statement issued by China Everbright Bank;

5, mobile phone client query

Scan the QR code of the website of China Everbright Bank and download the mobile card space of the exclusive mobile phone client of China Everbright Credit Card; After the installation is completed, open the login dynamic card space and click to enter the self-help bar; Select card service function; You can check your current credit limit by checking your account.

References:

China everbright bank official website-credit 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 card (rich and willful), Everbright Road pink card/little 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. Free of annual fee in the first year, and free of annual fee in the following year after three transactions in the same year: Everbright Little Yellow Duck Meng Tong Theme Card, BDUCK Little Yellow Duck Theme Card Husky Edition and BDUCK Little Yellow Duck Theme Card buffy Edition.

3. Everbright Lucky Cat Theme Credit Card (or free of charge for the next year when it is 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 annual fee in the first year, and free of annual fee in the following year for six transactions in the same year: Sunshine Billion 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, and apply for points to deduct the annual fee within the validity period specified in the table below. Applications outside the validity period cannot be deducted.

Second, the way to apply for deduction

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

Annual fee standard

1. The annual fee policy of most banks has not changed. General standard credit card annual fee is about 100 yuan, and gold card annual fee is generally 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. But the annual fee standard of different bank credit cards 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; Gold card annual fee 360 yuan, main card, auxiliary card 180 yuan; Annual fee of 360 yuan Pudong Development Co-branded Card.

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 handling cards.

Free annual fee rule

1. It's 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 they are swiped to a certain standard. For example, ICBC's credit card does not charge an annual fee in the first year, but it needs to be swiped five times or spend 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

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.

3. 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.

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 all kinds of racing events and buy souvenirs of Shanghai International Circuit at preferential prices.

5. UnionPay Golf Credit Card holders can play golf in the cooperative course with a discount of 3-6%. Sports theme credit card has no special function, and its main features are novel card face and vertical design. China's calligraphy "Dreams come true" is 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 donates 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 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 card successfully issued; 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 never issued a real car/gas credit card. Everbright/Wanxing Co-branded Credit Card is only issued in Shanghai, and can be used as the membership card of Shanghai Wanxing Automobile Company, enjoying the automobile sales, insurance and other services provided by the company.

9. Baidu Encyclopedia-Da/Anbang Club co-branded credit card can be used as Anbang Club membership card and enjoy preferential services such as installment payment, rescue, auto insurance, car repair, beauty and modification.

References:

Baidu Encyclopedia-China Everbright Bank Credit Card

How to exempt the credit card of China Everbright Bank from annual fee?

According to different card types, China Everbright Bank has formulated different annual fee-free rules. The specific rules are as follows:

① At present, both the gold card and the ordinary card in the credit card of China Everbright Bank can enjoy the annual fee-free treatment in the first year. If you swipe your card three times in the same year, if your total consumption reaches 2000 yuan, you can also waive the annual fee for the next year.

② Everbright Bank Sunshine Credit Card generally does not charge an annual fee. If you swipe your card for three times in the current year or spend a total of 100 yuan, you will be exempted from the annual fee for the following year.

3 As long as the big card is swiped three times, both the big card and the small card can avoid the annual fee of the following year.

④ Generally, the titanium card of Everbright Credit Card does not charge an annual fee in the first year, and can be deducted with 60,000 points in the second year. Everbright Credit Card Platinum Card, Diamond Card and Unlimited Card can't be exempted from the annual fee, but the corresponding points can be used to deduct the annual fee for the following year. The specific annual fee-free rules are as follows.

Extended data:

The online credit card application process of China Everbright Bank is as follows:

(1) Log in to official website Credit Card of China Everbright Bank and click I want to apply for a card.

(2) According to personal preference, select the card type and click Apply Now.

(3) Click Apply Now and fill in basic information such as personal ID number and contact information. In order to ensure the success of the application, please fill in the relevant information truthfully. After confirming that the information is correct, click Submit to complete the application.

References:

Official website of China Everbright Bank Credit Card Center

How to handle the credit card of China Everbright Bank?

In general, the credit card processing methods of China Everbright Bank are as follows:

1, contact the credit card business personnel for handling.

Call China Everbright Bank Credit Card Service Center. Generally, a salesman comes to the door and asks us to fill in relevant information, including personal education, current work unit and telephone number, home address, contact telephone number of relatives, etc. Banks will have their own audit system to confirm information;

2. Apply for a credit card online

After logging in to official website of China Everbright Bank to fill in the relevant information, someone in the bank will dial the fixed line you fill in for inquiry. Generally, if you call, the chances of passing will be greater.

3. Go to the outlet of China Everbright Bank to apply for a credit card.

If you go directly to the bank to apply for a credit card, there will be a special bank customer service staff to handle this business, but it is best to provide relevant financial proof. If you can provide relevant enterprise qualification certificates, financial certificates such as cars and houses, the chances of issuing them will be even greater.

4. WeChat processing

Pay attention to the official WeChat account of China Everbright Bank, and then find the place to handle credit cards according to the page settings and submit the application.

You used to have a credit card and it was in good condition. Now you can apply for the credit card of China Everbright Bank, and it is convenient and quick to reissue the card. Used credit cards can also be used as a good credit reference and financial proof, which is of great help to your application for credit cards.

For more information about how to handle the credit card of China Everbright Bank, please visit: See More.

What kinds of credit cards can China Everbright Bank classify according to their grades?

Everbright Bank credit cards are divided into different cards according to different types. Details are as follows:

1. Personal cards are divided into personal cards and corporate cards according to different card issuers, among which personal cards are divided into main cards and auxiliary cards (also called supplementary cards).

2. Corporate cards are divided into business travel cards and business purchase cards according to their purposes.

3. According to different product grades, it can be divided into unlimited cards, diamond cards, platinum cards, titanium cards, gold cards and ordinary cards; According to different information carriers, it can be divided into magnetic stripe card, chip (ic) card and magnetic stripe chip (IC) composite card.

4. Divided into single currency card, dual currency card and multi-currency card according to different currencies; According to the different card shapes, it can be divided into standard cards and special cards.

5, according to whether joint (identity) is divided into joint (identity) card and non-joint (identity) card.

6. According to different interest-bearing methods and preferential conditions, it can be divided into credit cards and quasi-credit cards. Credit cards will use China UnionPay, VISA and Master.

Logo of MasterCard, JCB or other credit card organizations.

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 donates to this charity activity according to the cardholder's card handling or credit card consumption.

4. Car/gasoline credit card.

Everbright Bank has never issued a real car/gas credit card. Everbright/Wanxing Co-branded Credit Card is only issued in Shanghai, and can be used as the membership card of Shanghai Wanxing Automobile Company, enjoying the automobile sales, insurance and other services provided by the company.

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 enjoy shopping discounts as joint membership cards.

6. Other special credit cards.

The slogan of Yanhuang Credit Card is "Global Chinese * * *", which is actually a credit card 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.

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 cards, we also jointly developed the business travel service function with Ctrip. It can book travel products (air tickets, hotels, etc.). ) price concessions, credit card spending can get double points.

Extended data

1. All China citizens, foreigners living in China and 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 from card issuers with valid certificates. Note: the application card needs to be accompanied by work certificate, and other conditions are needed, including social security, good enterprises such as institutions, vehicles, houses, etc. , the specific phone number can be contacted.

Two, the principal cardholder and the deputy cardholder * * use the same credit line; The cardholder of the primary card can set the usage limit of the secondary card within the credit limit; 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 a legal person to open a basic account in domestic financial institutions may apply to the card issuer for a corporate card with an account opening permit issued by the People's Bank of China. To 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 can apply for several 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 shall fill in the application form and the authentic 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 guarantee method, and determines 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 for guarantee.

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

This is the end of the 24-hour customer service manual introduction of credit cards of banks and China Everbright Bank. I wonder if you have found the information you need?