CCB Love Card Credit Card Activities

China Construction Bank Credit Card Center (hereinafter referred to as "CCB Credit Card") takes serving the needs of hundreds of millions of customers for a better life as its starting point and goal, fulfills its social responsibilities, vigorously promotes the protection of the rights and interests of credit card consumers, and implements the The eight rights and interests of consumers have been widely recognized by customers and society through continuous publicity and education, continuous enhancement of service capabilities, and continuous improvement of credit card consumer protection management mechanisms. In recent years, CCB Credit Card has won the Shanghai Financial Consumer Dispute Mediation Center’s 2017 Financial Consumer Satisfaction Unit Outstanding Team Award, the 2018 Silver Card Center Team Award, and the Pudong New Area Consumer Rights Protection Committee’s honorary title of “Pudong New Area Advanced Collective for Consumer Rights Protection.”

Seeing the trend clearly and starting steadily, CCB Credit Card has comprehensively improved its awareness of innovation, market awareness, risk awareness, compliance awareness and service awareness, and strives to improve market competitiveness, customer management capabilities, refined management capabilities, and stability Governance capabilities and value creation capabilities have promoted the credit card business to achieve high-quality development on a large scale and at multiple levels, creating a "second development curve." Its overall performance achieved a good performance.

At the same time, in line with the belief of using a little love to help dreams and let love continue to pass on, CCB Credit Card has successively launched the "Love 100 Points" and "Points Realize Dreams Micro-Public Welfare" projects, adhering to the principle of financial products in charity and poverty alleviation. Innovation, diversity, difference and multifacetedness. While realizing cardholders’ dreams of wonderful charity, it also makes consumption a wonderful experience.

Deepen innovation and development and continue to protect consumer rights.

Start with the system, strictly regulate, audit, internal control, publicity and enhance reputation. China Construction Bank adheres to the "customer-centered" service concept, focuses on fulfilling social responsibilities, and continuously protects the rights and interests of consumers.

CCB implements consumer rights protection matrix management for credit cards across the bank. In recent years, a number of requirements and guidance on the protection of credit card consumer rights have been issued, and the construction of rules and regulations and work standards in specific business areas has been vigorously strengthened, consumer rights protection has been embedded in the business system, and the integration of consumer protection systems has been further strengthened.

CCB continues to strengthen the prevention-oriented concept of consumer protection, resolutely implements the “one-vote veto” system for consumer protection review, and gives full play to the role of consumer protection review in intervening in management and avoiding consumer disputes.

CCB implements the central financial risk prevention and control requirements, always regards asset quality and regulatory compliance as the lifeline of bank credit management, builds "three lines of defense" for risk prevention and control, and protects cardholders with strong risk management capabilities. Safe card use and high-quality business development.

In order to ensure the safety of customers’ card use, CCB Credit Card has established three anti-fraud defense lines of “pre-prevention, in-process control, and post-processing” covering the entire process of credit card use, and independently developed a new generation of enterprise-level anti-fraud systems. , realizing real-time intelligent decision-making at the transaction level for hundreds of millions of customers, and launching value-added services such as "Safety Dragon Card" and "Security Lock" to safeguard the rights and interests of hundreds of millions of customers in safe and convenient card use. Through comprehensive risk management, CCB Credit Card’s asset quality has remained the best in the industry for many consecutive years while its business scale has grown rapidly. As of the end of June 2019, CCB had issued 128 million credit cards and had 94.6 million customers. In the first half of the year, the amount of consumer transactions was RMB 1.5 trillion, and the loan balance exceeded RMB 670 billion. Public information shows that CCB’s credit cards continue to lead the industry in core indicators such as total number of customers, loan balance, and asset quality.

Full marks for love.

Gathering public love and uniting all sectors of society to support the development of charity and public welfare undertakings, CCB Credit Card has always regarded sincere return to society as the due meaning of development

In 2019, CCB Credit Card Points Charity Project With "smart student assistance" as the core, we make charitable donations to impoverished primary schools in Yunnan, Chongqing and other places. On August 29, 2019, CCB’s credit card went to Yongping Longjie Middle School in Dali, Yunnan, and donated scholarships to 70 students; on September 10, 2019, CCB’s credit card went to Gaolou Central Primary School in Tianyuan Township, Wuxi County, Chongqing. Donate to help the school build multimedia classrooms and distribute study and life gifts to teachers and students.

Related Q&A: Can I call the CCB Credit Card Center at night?

Yes, the customer service number on the back of the CCB credit card has customer service on duty 24 hours a day. However, the lines have been relatively busy recently and it is difficult to access manual services