Everbright Credit Card Zone

How to check the limit of Everbright Bank credit card? There are actually 6 ways to check!

As we all know, the credit card limit is not static. It will decrease with the consumption of the card. In addition, the bank will also increase or decrease the limit based on the cardholder's card use and credit status. This requires everyone to master the inquiry method of credit card limit, so as to know the limit of credit card in time. However, different banks have different credit card limit query methods. For example, China Everbright Bank Credit Card has 6 credit limit query methods. Let’s learn about it together.

The credit card limit of Everbright Bank is related to the card level. Among them, the limit of regular card, gold card and titanium card is up to 50,000 yuan; the limit of platinum card is minimum 50,000 yuan and the maximum is not more than 500,000 yuan; unlimited card limit No more than 1 million yuan (inclusive). Everyone’s credit situation is different, and the approved amount is also different.

You can check the Everbright Bank credit card limit through the following 6 methods:

1. Online banking query: through personal online banking-credit card-"Account Information Query", "Available Limit" field Query the current available credit limit;

2. Official website query: Through the Credit Card Zone website, click "Login" on the left, enter your ID number, verification code and dynamic password to log in, and select "Account Services" in the function bar "-"Account Information Inquiry" query;

3. WeChat Inquiry: Select "Credit Card" through the "Sunshine Wealth" field at the bottom of the WeChat banking page, click on the pop-up image and text and select the "Account Inquiry" field Query the current available limit of a single card;

4. Mobile banking inquiry: Check the current available limit of a single card through mobile banking All-Credit Cards-"Amount Query";

5. Sunshine Hui Life APP query: You can check the current available limit by selecting "Limit Management" on the "Card Life" page of the "Sunshine Hui Life" APP;

6. SMS query: Use a credit card to reserve a mobile phone number Edit the text message "last 4 digits of limit #" and send it to 95595 to check the current credit card available limit.

How to activate Everbright Bank credit card

There are three ways to activate Everbright Bank credit card:

1. Customer service hotline activation

Call Everbright The bank’s 24/7 global service hotline (on the back of your credit card): 4007-888-888. Then follow the voice prompts to enter the personal information reserved during the application → Everbright Bank credit card activation is successful. Now you can open your credit card.

2. Activation through China Everbright Bank’s credit card zone

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

3. Activation through the counter of Everbright Bank outlets

When activating at the counter, you need to provide the original copies of your credit card and ID card for activation.

Credit cards, also called credit cards, are credit certificates issued by commercial banks or credit card companies to consumers with qualified credit. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

Credit cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on Relevant Credit Card Regulations") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, transfer settlement , cash deposit and withdrawal and other full or partial functions of the electronic payment card. On December 1, 2017, the "English Translation and Writing Standards in the Public Service Field" was officially implemented, stipulating that the standard English name of credit cards is CreditCard. Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the bill date.

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the prescribed credit limit. The so-called credit card generally refers to a credit card only.

Starting from January 1, 2021, the credit card overdraft interest rate will be determined independently by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of credit card overdraft interest rates will be cancelled. The daily interest rate is 0.7 times 5/10,000). On May 25, 2021, the Supreme People's Court issued and implemented the "Regulations of the Supreme People's Court on Several Issues Concerning the Trial of Bank Card Civil Cases".

Everbright Bank Credit Card Points Accumulation and Redemption Rules

According to different regulations of each bank, credit card points can generally be used to exchange for gifts, offset the annual card fee, or be used to offset the card's annual fee. Cash consumption. What are the rules for accumulating Everbright Bank credit card points? How to redeem points?

1. Everbright Bank Credit Card Points Redemption

2. Everbright Bank Credit Card Points Accumulation Rules

3. Everbright Bank Credit Card Points Validity Period

4. How to query Everbright Bank’s credit card points

Redemption of Everbright Bank’s credit card points

1. Everbright Bank’s credit card point redemption rules

1. After the customer successfully redeems points for gifts , China Everbright Bank will deduct the corresponding points from the customer's points account, and the customer shall not request to restore the points.

2. All gifts, redemption standards and rules are subject to the announcement or catalog of the reward event at the time of redemption. Some redemption gifts are in limited quantity and are available while stocks last. Customers please always pay attention to our bank’s points redemption website for gifts and promotional materials.

3. Points and gifts with a validity period stated in the redemption announcement or catalog cannot be redeemed after expiration.

4. If the points in the customer’s points account are insufficient, the redemption application will automatically become invalid without further notice.

5. In order to protect the rights and interests of customers, all gifts redeemed by points must be signed for by the recipient designated by the customer after being delivered to the address designated by the customer. Unless otherwise specified, gifts will be delivered by the supplier.

6. If the customer’s mobile phone information is inconsistent with the information registered when applying for a debit card or credit card, points redemption will be affected. Please be sure to update your mobile phone information in time.

2. How to redeem Everbright Bank credit card points - online banking redemption

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

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

3. On the shopping cart page, select "Continue Redemption" or click "Enter Checkout Center" after confirming the redemption of gifts;

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

5. On the order confirmation page, select "Credit card billing address" or manually enter shipping information and select "Specified shipping address";

6. If you select " Specify delivery address" for delivery, please enter the "verification code" and click to obtain the dynamic password;

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

3. China Everbright Bank Credit Card Points Redemption Method - Customer Service Telephone Redemption

Everbright Bank Credit Card customers can call the Everbright Bank 24-hour customer service hotline 95595 and choose manual service to redeem points. or query.

Everbright Bank Credit Card Points Accumulation Rules

1. Everbright Bank Credit Card Points Rules

1. All customers with China Everbright Bank points can use their credit cards and Debit card transactions automatically accumulate points, and points from credit cards and debit cards can be combined.

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

2. This points reward plan allows the redemption of points with the main credit card or the main standard card. The points of the supplementary card, MINI card and special-shaped card will be combined into the points account. You cannot apply for point gift redemption. However, you can check your points account information. Sunshine Huitong Card and Digital China Distribution Credit Card issued by China Everbright Bank do not participate in the points reward program. If other credit cards have special regulations, cardholders should always pay attention to our bank's points redemption website for gifts and promotional materials, and the announcement shall prevail.

3. When a Everbright Bank customer redeems a gift from China Everbright Bank in accordance with the terms of these rules, if any of the following circumstances occurs, the customer will immediately lose the redemption qualification of the points reward program:

1) The credit card or debit card held has been suspended or controlled, the credit card has been canceled by oneself, and the account has been frozen;

2) There are overdue accounts that have not been repaid, and the minimum repayment amount of the two-month bill has not been paid;

3) Violation of the "China Everbright Bank Credit Card Use Agreement" and the terms of these Terms or other relevant regulations;

4) Other special circumstances stipulated by China Everbright Bank.

2. Rules for accumulating points for Everbright Bank credit cards

1. Everbright Bank credit card holders are eligible for credit card purchases, cash advances, mail ordering of goods, and installment payments through credit cards. Points can be earned.

2. Everbright Bank credit card holders can earn 1 point for a single purchase or cash withdrawal of RMB 1, and 8 points for a USD 1. A single RMB cash withdrawal can earn up to 20,000 points, and a USD cash withdrawal can earn up to 20,000 points. A maximum of 24,000 points can be earned per transaction, of which points will not be calculated for cash withdrawal transactions that do not charge cash withdrawal fees. Points generated from the transaction amount will take effect on the day after the bank accounting date.

3. If a Everbright Bank credit card holder has two or more credit cards, the points accumulated by each card will be calculated together.

4. For refunds due to disputes over credit card billing or other reasons, China Everbright Bank will adjust the points previously earned in proportion to the amount of the refund.

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

3. Points will not be calculated for the following items:

1. Real estate transactions;

2. Car sales transactions;

3. Wholesale transactions;

4. Public hospital transactions;

5. Public and school transactions;

6. Charity and society Service transactions;

7. Government service transactions.

Everbright Bank Credit Card Points Validity Period

1. Everbright Bank Credit Card Points Validity Period Rules

The validity period of Everbright Bank Credit Card Points is the reason why Everbright Bank encourages cardholders to use credit cards for consumption. Within the period of the value-added function provided, Everbright Bank credit card holders can make purchases through the credit card. After the accumulated points reach a certain number, they can redeem attractive gifts, airline miles and other prizes, and enjoy the value-added services brought by the credit card.

2. The validity period of Everbright Bank credit card points

The validity period of Everbright Bank credit card points is 5 years (including the year the points are generated). After the card expires and is renewed, the points can continue to be redeemed for gifts.

For example: Ms. Hu spent 80 yuan using a Everbright Bank credit card on August 8, 2007. The points generated by this consumption will be effective the next day, so the 80 points will expire on December 31, 2011; On January 2, 2008, I used my Everbright Bank credit card to withdraw RMB 70 in cash. The points generated for this amount will be effective the next day, so the points earned from this cash withdrawal will expire on December 31, 2012.

How to inquire about Everbright Bank’s credit card points

1. How to inquire about Everbright Bank’s credit card points—Bill Inquiry

Our bank will send a mail to credit card holders The monthly statement displays introduction points for redeeming gifts, as well as customer points summary information.

2. Method for querying credit card points of China Everbright Bank - ATM self-service equipment

Customers of China Everbright Bank can use our bank's ATM self-service equipment to check points account information with a valid card.

3. China Everbright Bank Credit Card Points Inquiry Method - Customer Service Manual

Everbright Bank customers can call the 24-hour customer service hotline 95595 of China Everbright Bank and choose manual service to redeem points or inquire. .

IV. How to query Everbright Bank’s credit card points - website query

Customers of Everbright Bank can log in to the "Rewards World" column of the "Credit Card" channel on our website, or directly log in to our bank Check your favorite gifts and points account information in the "Rewards World" section of the credit card area.

5. Method for querying Everbright Bank credit card points - Online banking query

Customers log in to our bank's online banking and enter the "Points Management" page of the "Customer Service" channel to query points account information.

6. How to query Everbright Bank credit card points - SMS query

You can also use the mobile phone number reserved by the credit card to write a short message "points" and send it to 95595 to check the current total points.

How to activate Everbright Bank credit card when it expires?

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

There are three ways to activate:

1. To activate through the customer service hotline, call China 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 reserved during the application → Everbright Bank credit card activation is successful. Now you can open your credit card.

2. Go to the credit card area of ??China Everbright Bank, and then follow the prompts to enter relevant information such as your ID number and other information to activate. Operating environment: MacBook, macOS (10.15.7) system, Google version 92.0.4515.131.

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

The Everbright Bank credit card is valid for five years. After expiration, the card needs to be replaced with a new one. China Everbright Bank will call the cardholder about one month before the credit card expires and ask the cardholder if he or she needs a new one. Continue to mail the new card for use. After obtaining the cardholder's consent and verifying the delivery address, mail the new card to the designated address. The new card sent will be consistent with the original card in terms of limit, functions, points and other account information. Once the new card is activated, the old card will become invalid.

China Everbright Bank Credit Card:

China Everbright Bank Credit Card Center was founded in July 2003 and officially established at the end of 2003. It is directly under the head office of China Everbright Bank and is a state-controlled, international financial organization. Within the framework of participating in a national joint-stock commercial bank, it serves as a credit card center for consumers.

Sunshine Credit Card provides a variety of repayment methods for you to choose from: branch counters, automated teller machines (ATM), self-service deposit machines (CRS), multimedia self-service inquiry machines, sunshine card automatic transfers, inter-bank transfers/remittances, Online banking repayment and telephone foreign exchange purchase and repayment make your credit card transactions more worry-free.

Type introduction:

1. Business and travel credit cards. This type of credit card is mainly issued by the company, which can help the company improve the management of business travel expenses and facilitate employees to reimburse business trip expenses. At the same time, Everbright Bank's credit card unit can also provide cardholders with a higher consumption limit guarantee. This kind of credit card also generally has the functions of lifetime annual fee exemption, free aviation accident insurance and 48-hour card loss protection. Official credit cards, official credit cards of budget units of relevant departments, sunshine business travel credit cards, and official credit cards of budget units of Shaanxi Province all belong to this type of credit card.

2. Sports credit card.

This type of credit card is sports-themed, and its main function is either to provide the convenience of purchasing tickets for a certain sports event, or to play sports at cooperative venues at a preferential price. The main function of the Formula Racing Credit Card is to facilitate watching various racing events and purchasing Shanghai International Circuit souvenirs at preferential prices. UnionPay Golf Credit Card holders can play golf at partner courses at a 30-40% off visitor price. The sports-themed credit card has no special functions. Its main features are the novel card surface and vertical design. It uses the Chinese calligraphy "Dreams Come True" as the main pattern, reflecting the humanistic concept of "Chinese people run the Olympics". The main function of VISA Olympic-themed credit card is to facilitate the purchase of Olympic tickets.

3. Charitable credit cards. This type of credit card is usually themed around a charity event. China Everbright Bank will make donations to the charity event based on the cardholder's card application or card consumption. The characteristic of the Mother's Water Cellar-Love Credit Card is that Everbright Bank will donate one thousandth of the card consumption to the "Love of the Earth: Mother's Water Cellar" public welfare activity. The characteristic of Wuhan Hope Credit Card is that for every successfully issued card, China Everbright Bank will donate 20 yuan to the Wuhan Youth Development Foundation; every time the cardholder swipes the card to make a purchase, China Everbright Bank will donate 0.1 yuan to the fund.

4. Car/gas credit card. China Everbright Bank does not issue a true car/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 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 car purchase installments, rescue, car insurance, car repair, beauty, modification and other preferential services.

5. Credit cards for shopping and consumption. There are many such credit cards. They are generally co-branded cards issued by China Everbright Bank and specific merchants or institutions. They can be used as a membership card of the co-branded party to enjoy discounts on shopping purchases. 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-China Unicom Universal Points co-branded credit card, Shenzhen Anju co-branded credit card, Shenzhen Sun Department Store co-branded credit card, Everbright-Fashion co-branded card, Zhengzhou Zhengdao Garden Yanhuang Credit Card, Everbright Dugou Credit Card, can all be purchased at the corresponding merchants Get discounted services.

6. Other specialty credit cards. The slogan of Yanhuang Credit Card is "Exclusive to Chinese all over the world". It is actually a credit card issued for high-end customers (including overseas compatriots in China). Cardholders can enjoy VIP outpatient expert appointments, international outpatient diagnosis and treatment at member prices, Health service functions such as making appointments for medical appointments; access to financial services such as VIP financial management; driving roadside assistance services provided by China Everbright Bank; and free aviation accident insurance (up to 1 million yuan) when purchasing air tickets. Baby-friendly credit cards can provide preferential services such as professional baby photography, expert infant care and early education, discounts on aquarium visits, and women’s fitness and maintenance. Kunming Sunshine Water Card has the function of automatically deducting water bills. The Beijing Special Housing Maintenance Fund Card can check the special housing maintenance funds paid in the name of the cardholder. Digital China Distribution Credit Card is a co-branded card used by Digital China and its distributors for distribution purchases.

7. Standard credit card. Sunshine Credit Card is a standard credit card issued by Everbright Bank. In addition to the basic functions of a credit card, it has also jointly developed a business travel service function with Ctrip.com. You can book travel products (air tickets, hotels, etc.) at preferential prices, and you can earn double points by swiping the card for purchases. Ruyi Sanbao Credit Card is a credit card specially designed for families. It is designed for the father, mother and children in the family. The card face is designed with the sun, moon and stars, reflecting the blessings of good luck and good luck. The "福" credit card has "福" as the card face, and China Everbright Bank provides a combination of standard card and MINI card.

Methods to redeem Everbright Bank credit card points

Method 1 to redeem Everbright Bank credit card points: Online banking redemption

1. Log in to the "Rewards World" channel of Everbright Bank Credit Card Zone Enter the points redemption page;

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

3. On the shopping cart page, select "Continue Redemption" or click "Enter Checkout Center" after confirming the gift redemption;

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

5. On the order confirmation page, select "Credit Card Bill Mailing Address" or manually enter the shipping information and select "Specified Shipping Address";

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6. If you choose "specified delivery address" for delivery, please enter the "verification code" and click to obtain the dynamic password;

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

Method 2 for redemption of Everbright Bank credit card points: Redemption by phone

Everbright Bank credit card holders can call the 24-hour credit card service hotline 4008-1-95595—select “9” to enter manual service , redeem Everbright Bank credit card points for gifts.

1. Points can be redeemed with the main Everbright Bank credit card or the main standard card. The points of the supplementary card, MINI card and special-shaped card will be combined into the points account. You cannot apply for point gift redemption, but you can check the points. Account information.

2. Sunshine Huitong Card and Digital China Distribution Credit Card issued by Everbright Bank do not participate in the points reward program. If other credit cards have special regulations, cardholders should always pay attention to our bank's points redemption website for gifts and promotional materials, and the announcement shall prevail.

3. All gifts redeemed by Everbright Bank credit card points will be delivered to the address designated by the customer and must be signed for by the recipient designated by the customer.

That’s it for the introduction of Everbright Credit Card Zone.