CCB Credit Card at the beginning of' 62

number

Cards marked with UnionPay slip at the beginning of 62 can only be settled in RMB. Other bank cards with 9 and 60 also belong to China UnionPay. Among them, the cards with 62 and 60 are UnionPay cards that meet international standards, which means that they can be used in overseas stores that support UnionPay.

There is no special meaning at the beginning of 62, just a logo to identify the UnionPay channel where the card is taken.

China Construction Bank Longkaka is a virtual credit card product launched by China Construction Bank. This credit card has no physical card, so it can be APPlied mainly through the official app of China UnionPay Express. The function of CCB Longkaka Credit Card is similar to that of ordinary credit card, and you can enjoy overdraft consumption within the limit. It's a gold card credit card.

What are the rights and interests of CCB Longkaka?

1 unionpay consumption abroad pen 1% cashback: you can enjoy the 1% cashback discount if you use CCB longkaka to spend all online payment of unionpay equal to RMB1yuan;

2 Shang Chao Digital Gift Voucher: Through UnionPay China UnionPay Express, you can receive consumption deduction coupons from five chain stores including the whole family, worth 50 yuan;

3 Recharge and repayment discount: use this card to recharge through China UnionPay Express APP or repay by credit card, and enjoy the discount of 50 yuan and 54 yuan;

4. Member's rights and interests: If you apply for CCB Longkaka credit card and meet the consumption standards every quarter, you can get JD.COM Plus members, Tencent Video VIP members, KEEP members, etc.

What is the card at the beginning of 62?

Bank cards beginning with 62 belong to China UnionPay Card, which refers to bank cards that meet the requirements of unified business norms and technical standards and have the words "UnionPay" printed on the designated position. The purpose of "UnionPay" logo is to provide a unified identification mark for all kinds of ATMs and POS terminals that accept bank cards issued by commercial banks, so that bank cards issued by different banks can be used in ATMs and POS terminals with the "UnionPay" logo, and provide consumers with convenient, fast and safe financial services.

CCB Card Grade: Gold Card

Long Kaka is free of annual fee and does not issue supplementary cards during the validity period. Points are comprehensive points, with consumption 1 yuan product 1 minute, except for consumption types without points, which are valid for 5 years.

This card has no physical card. You can search for "virtual card" in China Construction Bank APP to inquire about the card information, and you can inquire about the exclusive rights and interests of UnionPay card through the card area of UnionPay "China UnionPay Express" APP.

Rights and interests:

① During the activity, the actual payment amount of all online consumption of UnionPay is converted into RMB 1 yuan, and you can enjoy 1% cashback discount; All online UnionPay online merchants can enjoy 1% cashback discount when the transaction amount is converted into RMB1yuan.

(2) Through UnionPay China UnionPay Express, you can get the consumption deduction vouchers of five chain stores, such as the whole family and super convenience stores, with a total value of 50 yuan, which can be used offline.

③ Monthly online mobile phone recharge or credit card repayment through UnionPay China UnionPay Express APP can only enjoy the discount of full 50 yuan and reduced 5 yuan.

④ You can get any kind of season card rights such as JD.COM Plus member, Tencent Video VIP member, Zhihu Salt Selection member and Keep member after the consumption reaches the standard every quarter.

What is the UnionPay card starting with 62?

UnionPay cards beginning with 1 and 62 may be debit cards (savings cards) or credit cards. If you want to know the specific type, you can call at this time.

Call the bank's customer service hotline for consultation, but you need to inform the customer service accurately. Debit cards can only be handled at the bank counter, while silver cards.

The guild charges a certain fee, and credit cards can be handled through different channels, except bank counters and online.

Reason.

2. The credit card starting with CCB 62 is the standard credit card of UnionPay. It is a single currency credit card and can only be settled in RMB. Other bank cards starting with 9 and 60 also belong to China UnionPay. Among them, cards starting with 62 and 60 are UnionPay cards that meet international standards, which means that they can be used in stores that support UnionPay abroad. There is no special meaning at the beginning of 62, just a logo to identify the UnionPay channel where the card is taken.

The credit card at the beginning of 3.62 is not much different from other credit cards. How to use the card or how to use it? When you go to the store, you pay by swiping your card on the POS machine. Just because the card starting with 62 is a UnionPay standard single-currency credit card, you can only swipe RMB, which is different from those dual-currency credit cards, which support transactions in two currencies. For example, a dual-currency card with RMB and USD can be traded in both RMB and USD. Also, because it is a UnionPay card, you can only take the UnionPay channel; Other cards, such as MasterCard, take the MasterCard channel, and Visa takes the Visa channel. MasterCard starts with the number 5, while Visa starts with the number 4. What you need to pay attention to is that it is precisely because the card at the beginning of 62 is UnionPay card, which can only be used in China. If you spend money abroad, you'd better use MasterCard or Visa. After all, MasterCard and VISA are the main channels abroad.

4. A bank card is a number that identifies the information of the card issuer and the cardholder, and consists of the following three parts: the card issuer identification code (BIN number), the card issuer self-defined bit and the check code. BIN number is the bank identification code, and the full English name is BankIdentificationNumber. BIN is represented by 6 digits, appearing in the first 6 digits, and is distributed by the International Organization for Standardization (ISO) to all bank card organizations engaged in inter-bank transfer exchange.

Why can't the credit card at the beginning of CCB Longka 62 be used?

One is the single-currency card starting with 62, and the other is that there may be problems with the security code or validity period when binding the credit card, which leads to the abnormal status of the card and the inability to use it. Call the customer service department for the status of check card.

Credit card application

In most cases, citizens with full capacity for civil conduct (citizens aged 65-438 +08 in Chinese mainland) and citizens with a certain direct source of income can apply for credit cards from the issuing bank. Sometimes, legal persons can also act as applicants.

The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.

The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of the certificate and certificate to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificates. The application form is accompanied by a contract for using a credit card. The applicant authorizes the issuing bank or relevant departments to investigate its relevant information, and submit a statement on the authenticity of the information, the privacy protection policy of the issuing bank, etc. , and must have the applicant's autograph.

Credit card installment payment refers to the business that when a cardholder uses a credit card to make a large amount of consumption, the issuing bank pays the consumption funds of the goods (or services) purchased by the cardholder to the merchant in one lump sum, and deducts the consumption funds through the cardholder's credit card account in stages according to the cardholder's application, and the cardholder repays the money according to the monthly recorded amount. In the past, credit card installment mainly included bill installment and single consumption installment, and banks usually charged corresponding handling fees according to the number of installments. Whether it is bill installment or single consumption installment, the premise is to generate consumption behavior first, and then the bank will set installment repayment for the generated credit loan. [ 1 1]

Most domestic banks in China have credit card installment payment service. Installment is generally divided into POS installment, "mail order installment" and bill installment according to different occasions.

Shopping mall staging, also known as POS staging, refers to cardholders going to shopping places, such as "shopping malls" that can be staged. When you check out, you need to pay by installment with a credit card supported by the mall. Then the cashier will swipe the card on the special POS machine according to the number of periods required by the cardholder (such as 3 periods, 6 periods, 12 periods, etc.). , a few shopping malls support 24 issues). Note: When staging in the shopping center, you need to verify the identity of the cardholder, so please remember to bring your ID card. Shopping malls are generally open for free in three stages. The rates for Stage 6 and Stage 12 vary from bank to bank. As long as the goods paid by installments are sold normally in shopping malls, they can generally be paid by installments. In many cases, cardholders can also bundle a variety of goods together for settlement, and then pay in installments.

Mail-order installment means that the cardholder receives the installment mail-order catalog manual sent by the issuing bank (or the online installment mall of the bank) and chooses from the limited commodities. Then, the bank will order by installment through online installment mall, telephone or fax installment application form and so on. Generally speaking, no matter how many installments are made, there is no handling fee for mail order installment. However, due to the long ordering cycle (in many cases, it takes more than 15 working days to get the goods) and the relatively complicated return and exchange, it is recommended to compare more before buying.

Bill installment is the most convenient installment method, and all card-issuing banks can basically support this installment method, and the application is simple. Users only need to apply for installment payment from the issuing bank by phone after spending their credit cards and before sending monthly bills. However, it should be noted that banks will stipulate some special circumstances, for example, speculative credit cards cannot be successfully phased. So before staging, be sure to read the staging manual carefully. The disadvantage of bill installment is that you can't waive the handling fee. The longer the number of installments, the higher the handling fee, and all of them must be borne by the cardholder.

What's the difference between CCB credit cards 62 and 48?

CCB credit cards 62 and 48 are different in the organization and use scope of bank cards.

1, organizational scope of bank cards

At the beginning of 62, UnionPay single logo credit card; And the beginning of 48 is VISA- UnionPay double logo credit card.

2. Scope of use About the scope of use

UnionPay credit cards beginning with 62 can only be used on machines with UnionPay logo; Credit cards starting with 48 can only be swiped on machines with and supporting the VISA logo.

Once the bank card is allocated, the basic information, amount and transaction status of the customer will be transmitted to the central bank in time, and many information such as prevention and statistics will be summarized in the central bank database, which is the medium of unified financial management.

Bank cards are useless except for recording customer information and capital flow information. Magnetic, easy to degauss with mobile phone.

Extended data:

Matters needing attention in using this card

1. When entering the password, be careful to cover it with your hands. If you find any abnormality in the password protection cover and card entry protection slot of ATM, please do not use it and notify the bank immediately;

2. In order to prevent counterfeit ATM machines, customers choose self-service banks with obvious signs and use ATM machines under the video surveillance of banks;

3. Bank cards and ID cards are stored separately. Don't lend your bank card to others. Don't disclose your bank card and password at will.

4. When spending by credit card, don't let the bank card leave sight, pay attention to the number of times the cashier swipes the card. When you get the shopping list and the card, check whether the amount on the shopping list is correct and whether it is my card;

5. Open SMS service, keep abreast of account changes, and call the bank to report the loss once abnormal transactions are found;

6. If you suspect that the funds have been stolen, please call the bank customer service immediately and report the loss of the bank card account in time.