grateful dead jewelry wholesale CCB Dragon Card Online Banking Branch does not support the use of foreign currency shopping?

Wendy

November 27, 2022 at 4:16 pm

www china jewelry wholesale com China Construction Bank Dragon Card Double -currency Credit Card Articles of Association

The chapter 1 Total 

Eminal 1 to adapt to the development of bank card business and provide comprehensive and high quality for cardholders The services of the People's Bank of China are formulated in accordance with the "Administrative Measures for the Bank of China Card Business" and relevant regulations.

The secondary currency type credit card (hereinafter referred to as "dual currency credit card") referred to as the dragon card dual currency type credit card (hereinafter referred to as "two -currency credit card") issued by China (hereinafter referred to as "card issuance bank"). The bank's publicly issued by the bank, the cardholder can use the payment within the credit limit approved by the card issuance bank to repay, and can be in China (excluding Hong Kong, Macao and Taiwan, the same below) and overseas (including Hong Kong, Macao and Taiwan, the same below) Credit payment tools for use and designated foreign exchange settlement and designated foreign exchange.

It 3 -currency credit cards have functions such as consumption, cash withdrawal, transfer settlement, except for restrictive regulations.

Prin 4 two currency type credit cards are divided into VISA cards and MasterCard cards according to different joining international organizations. They are divided into unit cards and personal cards according to different issues of cards. Card, gold card and ordinary card.

It China Construction Bank, dual -currency credit card holder and Dragon Carter scheduled merchants (including special merchants with UnionPay acceptance logo) shall jointly abide by this charter.

The part of the term involved in this charter follows the following definition:

The credit quota refers to the card holder's card holder's credit situation, etc. The maximum limit of arrears that can be used in the card during the validity period of the card can be used for the card issuing bank due to cards.

The date of trading refers to the date of holding, cash withdrawal or transfer of cardholders.

The bank accounting date refers to card issuing banks after the cardholder transaction will record the transaction payment in its dual -currency credit card account, or record the relevant fees and interests in their dual currency credit card accounts in accordance with regulations Date.

The bills refer to the card issuing bank to summarize the cumulative consumption transaction principal, the principal of the cash withdrawal transaction, the cost, etc. of the cardholder's cumulative consumption transaction, and the amount of interest, and calculate that the cardholder should repay Date of amount.

The daily repayment date refers to the cardholder stipulated in the card issuer of the card issuing bank to repay the last date of all its repayment or minimum repayment amount.

The dates of repayment dates to repay their debt to the issuing bank.

The repayment amount refers to the sum of the cumulative costs, trading principal and interest of the cardholder as of the current billing date.

The minimum repayment amount refers to the minimum amount required by the cardholder stipulated in the card issuer, including a certain percentage of cumulative consumption transaction principal and cash withdrawal trading principal. The amount of arrears of the quota and the sum of the minimum repayment amount in the previous month.

Merexible repayment refers to repay all the repayment amount before the cardholder's due repayment date (inclusive), and the bank bookkeeping of consumer transactions that can enjoy interest -free benefits The time between the day and the repayment day.

The ultra -limited -limit refers to when the cardholder has not repaid the amount of the credit amount that the card issued by the card issuing bank, the fee shall be paid to the card issuing bank in accordance with regulations.

The late payment refers when the cardholder does not pay the minimum repayment amount or the minimum repayment amount in the previous date (inclusive).

The Chapter 2 Application

The applicant to apply for a dual currency credit card must agree to comply with this charter, fill in the application form, provide relevant certification materials, send card banking bank Review. The applicant shall be responsible for the content of the application form and the authenticity of the proof materials.

It 8 institutions, groups, troops, companies, enterprises, public institutions, and other organizations (units) of financial institutions in China The registration certificate of the basic deposit account account approved by the bank and the relevant certification document application unit card. The card holder of the unit must be specified by the unit's legal representative (person in charge) or its authorized agent. All the transactions of each cardholder are recorded in the unit's dual currency type credit card account, and the unit shall bear the responsibility of repayment. The unit can apply for the cancellation of the cardholder's card qualification or change the cardholder at any time.

Itly natural person with complete civil behavior and repayment capabilities, you can apply for a personal card owner with your valid ID and related certification documents. Or a natural person who restricts civil behavior (must get the permission of its legal agent) to apply for a subsidiary card. Each main card can apply for up to three subsidiary cards. The main card holder can apply for cancellation of the subsidiary card at any time.

The all -transaction funds and corresponding interests, costs, etc. of the Affiliated Card are remembered to the main card account, and the cardholder of the main card holder should bear all repayment responsibilities; Affiliated card holders assume the liability for liability for the banks owed to the banks, and the subsidiary card holder with restrictions on civil behavior has only assumed the liability for the debt of its affiliated cards.

It the bank issuance bank to review the credit situation of the applicant according to the application form and certification materials submitted by the applicant. In some cases, card issuers can also require applicants to provide a certain number of security deposits, pledge guarantees or deposit. If the pledge guarantee method is adopted, the quality of the certificate is limited to the term deposit rights issued by the Treasury coupon or the card issuance bank.

I. For the application unit card, the card issuer banks will verify the total credit limit according to the credit situation of the application unit. Determine, the card issuance bank is approved; for the application for the personal card, the card issuer will verify the credit limit based on the credit situation of the main card applicant, such as the subsidiary card, the affiliated card holder shares the credit limit or the main card holds the holding of the main card. The cardholder determines its credit limit alone within his credit limit. The credit limit is commonly used between the Cardholders' dual currency credit card and the foreign currency account.

Chapter 3 uses

Article 12 of the dual currency type credit card holder cardholder can bring VISA, MasterCard card, UnionPay acceptance logo, or domestic belt outside There are special merchants with UnionPay acceptance logos and other special merchants designated by the card issuer. A cash -out outlets specified on the ATM or issuing bank with the UnionPay acceptance logo, the ATM withdrawn RMB cash, and enjoy other services provided by the card issuer. The unit card cannot withdraw cash in the country.

Article 13 The cardholders do not need to enter a password or show their identity documents when they consume or show their ID with a dual currency credit card with a dual currency credit card. When consumer consumption or domestic consumption in the country must be input or not needed to enter the card issuing bank in advance, you must show your ID when consumption in the country. When the cash outlet is online, the password must be entered when the cash is extracted, and the ID card must be displayed when the renminbi cash is extracted. After the transaction is successful, sign the same signature as the back of the card on the relevant documents.

The transaction based on the password, the corresponding electronic information recorded by the corresponding electronic information is an effective voucher completed by the transaction; if the transaction is not based on the password, it is recorded that the transaction voucher signed by the cardholder is recorded The valid credentials completed by this transaction, except for the Internet trading, telephone/fax transactions and mail order transactions on the Internet.

Article 15 Cardholders to withdraw RMB cash within the credit limit with a dual currency credit card or withdraw foreign currency cash on ATM with UnionPay acceptance of UnionPay acceptance abroad, the daily amount per card is withdrawn per day Do not exceed 2000 (including) yuan (or equivalent foreign currency); when there is a cash -out outlets with VISA, MasterCard Kaka accepting logo or ATM withdrawn from foreign currency cash, the cumulative amount of gold card per account per account is up to 1,000 (including including 1,000 (including including ) US dollar (or equivalent foreign currency), the highest card is 500 (including) USD (or equivalent foreign currency), and the cumulative cumulative monthly cumulative amount shall not exceed 5,000 (inclusive) US dollars (or equivalent foreign currencies). The cumulative cumulative amount of cardholders shall not exceed the specified proportion of the credit limit.

The double -currency credit card machines are valid for the longest three years, and they are invalidated when expired. The card issuer provides a cardholder to provide automatic card exchange service. If the cardholder does not change the card due to expiration, the card should be notified by the customer service phone call or other forms recognized by the card issued by the card issued by the card one month ago, but after the card expires, the dual -currency credit card account The debt -debt relationship that has not been settled is still valid.

Chapter 4 interest calculation, repayment and account management

Article 17 dual -currency type credit card holders with cards with VISA and MasterCard card accepting logo During the special merchants, cash outlets, or ATM transactions, transaction funds and corresponding costs, and interest are recorded in foreign currency accounts; special merchants with UnionPay acceptance signs abroad, ATM and trading in China Record in the RMB account.

Article 18 The cardholder who repays all the repayment amount before the due date (inclusive), and it occurs within one month before the bill date (inclusive) during the repayment. Consumer transactions enjoy interest -free benefits from bank accounting days to repayment date. The maximum interest -free repayment period is 50 days.

The cardholder who cannot or is unwilling to repay all the repayment amount before the expiration date (inclusive) will be repaid at any amount of no less repayment amount The money, but the consumer transaction payment in the repayment no longer enjoy interest -free repayment benefits. The cardholder will not enjoy interest -free repayment benefits within the credit limit. The card issuing bank issued a transaction payment for the cardholders who do not meet the interest -free repayment conditions, and the interest rate began to calculate interest from the bank's accounting date. The daily interest rate was five in 10,000.

It the 20 card issuance banks do not count interest on the deposit of the cardholder's dual currency credit card account.

It with a unit card holder to repay foreign exchange arrears, the foreign exchange account of the unit must be transferred from its unit. It has the corresponding payment content within the scope of its income and expenditure; if the repayment of RMB arrears, it must be transferred from its basic deposit account, and shall not be transferred from a bank settlement account outside the basic deposit account. Stay in.

It 22 If a personal card holder repay foreign exchange arrears, it must deposit in foreign currency cash in which it holds or is purchased in accordance with the regulations or the foreign exchange account opened from its card issuing bank. Transfer deposits; those who repay the RMB arrears shall be deposited in cash or deposit or deposit from the personal bank settlement account issued from the card issued bank. Relevant provisions of the Administrative Measures.

Article 23 The cardholder chooses the agreed account repayment method, the card issuance bank will deduct the corresponding corresponding to the deposit account issued by the card issuance bank at the designated date of the expiration date. The money is used to return its two -currency credit card account arrears.

It when the card holder repays the bills listed in the bills, the principal and consumer transaction principal of the principal and consumer transaction principal are compensated by the cost, interest, and cash withdrawal transactions (including transfer transactions). Impolidation.

The legal representative (person in charge) of the unit or its authorized agent to apply for cancellation of some unit cards or personal card owners to apply for cancellation of the subsidiary card, and the card shall be notified in advance. The bank also destroyed the corner cutting of the card applied for cancellation.

It 26 The main card holder or the card holder is not used during the validity period of the dual currency type credit card. The bank submits an account settlement application and destroyed all card cuts under the same account. After 45 days of claiming the account settlement, the card issuance bank has completed the formal settlement procedures for it (except for the card expiration of the card for more than 45 days). When the unit card is settled, the remaining RMB funds in the account will be transferred back to its basic deposit account. The foreign exchange funds will be transferred back to the corresponding foreign exchange account and shall not withdraw cash.

Chapter 5 The rights and obligations of the issuing bank

Article 27 The card issuing bank should set up a 24 -hour customer service phone to provide cardholders with business consultation, account inquiry , Comment acceptance and loss of loss.

It 28 cardholders who have transactions, expenses, or although there is no transaction or fee, but the account has a cardholder who has no balance. And to notify the cardholder by sending the bills and other ways to send the bills; if the cardholder proposes to inquire or correct the request for doubts about the change of the bill, the card issuing bank shall give a timely answer.

It 29 If the cardholder cannot use the card due to power supply, communication, etc., the card issuance bank has the obligation to assist the cardholder to solve the problem or provide necessary help, but for this reason, for this reason, for this The losses that may cause cardholders may not be responsible.

It issued card issuance banks with the right to use and handle the personal information of applicants and cardholders, but the information should be confidential, laws and regulations and financial regulatory agencies have regulations, card issuers and applicants Or except the cardholder has another agreement.

It 31 -issuing banks have the right to review the applicant's credit situation, check the relevant information of the applicant to any relevant parties, and decide whether to issue a card to the applicant. For the unspeakable application, the card issuance bank has the right to retain the relevant application materials and not refund it.

It 32nd card issuing banks have the right to charge a certain fee from the cardholder and record it in its dual -currency credit card account.

It 33rd card issuing banks have the right to follow the credit change of the card unit or cardholder, the total credit limit of the card holder unit or the personal card owner card of the unit card holder unit, etc. The cardholder's credit limit is adjusted and the relevant parties will be notified of the adjustment results.

It 34 double -currency type credit card cancellation or account settlement, the cardholder should cut the card cutting and destruction, and the card issuing bank retains the card that happened to the card later. Effective transactions and corresponding interests, costs, etc. caused by bank reasons and corresponding interest, costs, etc.

It 35 Cardholders who have not repaid the minimum repayment for four consecutive months, the card issuance bank has the right to stop paying its dual currency credit card, and it may require that the guarantor should bear the guarantee responsibility, and the guarantor shall bear the guarantee responsibility. To dispose of its deposit or quality, if necessary, the judicial organs are required to investigate the legal responsibility of the cardholder or take other corresponding pursuit measures.

It 36 Cardholders who use dual currency credit cards to perform malicious behaviors or other risks, the card issuance bank has the right to stop paying their dual currency credit cards to authorize special merchants to authorize special merchants The cash outlets will be recovered and takes measures to recover the arrears.

It 37 -issuing banks have the right to query or freeze the cardholder's dual currency type credit card account in accordance with the instructions of the authority.

Chapter 6 The rights and obligations of the cardholder

Article 38 The cardholder has the right to enjoy the services promised by the bank to the bank to supervise the quality of its service. And complained to dissatisfied services.

It 39 Cardholders have the right to ask the card issuing bank after using the card to transaction (free bills within three months before the date of obtaining the card), or pass the card issuance banking banks through the card issuance bank The customer service phone and other channels provided to understand their account changes; if there is doubts about the change of accounting, they have the right to ask the card issuer bank to inquire or correct the requirements within the prescribed time. If necessary If the transaction is found to be found to be the cardholder himself after the registration is registered, the cardholder must pay the subscription fee for the signing of the purchase of the purchase monotonous to pay the purchase of the purchase.

It 40 card issuing banks to increase the cardholder's credit limit due to the good card transaction and repayment record. The right to issue a card issuing bank to restore its original credit limit. However, the cardholder is liable for compensation for the valid transactions and corresponding interests and costs that have occurred.

It 41 dual currency type credit cards can only be used by the cardholder themselves, and the economic responsibility and risk loss caused by leasing, transfer or transfer dual currency credit cards are due to the cardholder bear.

It 42 In order to protect their legal card rights and interests from violations, the cardholder should immediately sign and sign in the signature bar on the back of the card after receiving a dual currency -type credit card. The same common signature on the application form and use this signature when using card transactions. The transaction liability and losses caused by the cards that the cards are not signature shall be borne by the cardholder.

It 43 cardholders shall properly keep and use the password properly, and shall not disclose the password to any others. All transactions using passwords are deemed to be the cardholder himself. Losses caused by password storage or improper use shall be borne by the cardholder himself.

It 44 Cardholders shall use dual currency credit cards on the Internet (Internet) on the Internet (Internet).

It 45 cardholders shall be used within the credit limit approved by the card issuing bank, and the corresponding currency payments of the arrears should be repaid before the expiration date (inclusive). Model or minimum repayment amount. If the cardholder chooses the agreed account repayment method, a sufficient balance should be retained in the specified repayment account.

It 46 Cardholders should keep the transaction voucher properly after using the card to prevent card information from others; pay attention to check the bills, if not receiving the bills on time, inquire in time Issuing bank. Cardholders cannot refuse to pay the card issuer in arrears (including the corresponding late fees, interest, etc.) on the issuing bank without receiving the bill.

It 47. If the cardholder's personal information, contact address, communication method or designated delivery address delivery address, etc. Or not to notify the card issuing banks in other forms recognized by the card issuing bank, otherwise, the loss caused by the cardholder should be borne by the cardholder.

It 48 cardholders shall properly keep the dual currency type credit card holding the office. If the card is lost or stolen, the customer service telephone provided by the card issuer shall be reported to the report of the report. The loss of his identity was effective immediately, and the debt and losses caused by the cardholder himself afterwards were no longer borne by the cardholder.

It 49 Cardholders have liabilities for all valid transactions and corresponding interests and costs before their dual -currency credit card accounts were officially settled.

The any transaction disputes between cardholders and merchants shall be resolved by the two parties by themselves. The card issuance bank shall not bear any responsibility. The card issuance bank repay the money owed.

It 51 issuing bank issuing banks to freeze the cardholder dual currency credit card account according to the frozen instructions of the rights agency. The cardholder is still liable for the corresponding arrears.

Chapter 7 Attachment

It did not do all matters in this charter, and implemented in accordance with relevant national laws, regulations, and rules. If the cardholder's card transaction involves overseas institutions, the dispute is implemented in accordance with the provisions of credit card organizations such as VISA, Mastercard, and China UnionPay.

It 53 The charter is formulated and explained by China Construction Bank. China Construction Bank amended this charter in accordance with national laws and relevant regulations. It is valid after approval and announcement, and there is no need to notify separately.

The Article 54 of the Articles of Association shall be implemented from the date of announcement. The former "China Construction Bank Dragon Card Loan Card Articles of Association" was abolished at the same time.

Attachment:

This China Construction Bank Dragon Card dual currency type credit card charging items and standards

The charge items
Remarks

year fee
Business card: Gold card 200 yuan/card, ordinary card 100 yuan/card
After receiving, I will not refund

The personal gold card (and Eastern Airlines Dragon Card silver card): main card 160 yuan/card, attached card 80 yuan/card r
Card 80 yuan/card, subsidiary card 40 yuan/card

Dragon card car card: main card 200 yuan/card, accessory card 100 yuan/card

The handling fee
In abroad: with VISA and MasterCarda network cash withdrawal, 3%of the cash withdrawal, minimum 3 US dollars; 1%, the minimum calculation calculated by the current amount is 2 yuan

otes: 0.5%of the cash withdrawal amount, the minimum of 2 yuan, and the maximum 50 yuan
charged according to the pen. There is no different land in the same city in the same city, and the cash withdrawal is not charged.

super limited fees
The minimum or minimum of 1 US dollars or 5 yuan (the same currency and over -limit part)
When the amount exceeds the approved credit limit (for exemption)

late money
minimum repayment amount is not paid by 5%, minimum $ 1 or 5 yuan (currency and corresponding ones The minimum repayment amount is the same)
The cardholder will charge

Card 20 yuan/card, color photo card 30 yuan/card
The cardholder card holder to charge the new card when the card is damaged, the magnetic strip is demagnetized, the signature error is applied for the new card

R n50 yuan/card
The new card replenishment of new cards

Puled billing fees
personal cards: 5 yuan/serving Free within a month)

Business cards: 5 yuan/serving of cardholders' bills, 20 yuan/copy of the unit's summary of the bill (free day for the day of obtaining it)
Account information

S sign to buy monotonous reading

Is handling fees
In abroad: $ 5/serving

The cardholder applies for the signing of the signing order, and the transaction is confirmed by the adjustment and signing order to collect the cardholder himself

card/password envelope

courier fees
each letter is 20 yuan
C cardholders to apply for an urgent delivery card/password envelope to collect

1.5%, calculation of foreign currency account settlement currency
This currency of trading currency with cardholders' foreign currency account settlement currency is collected

Can emergency services

procedures for procedures Fee
VISA: Emergency cash out $ 175/pen (reference standard)

Emergency card supplement card 175 US dollars/pens (reference standards)
noma Mastercard: Emergency cash out $ 95 /Pen (Reference Standard)

Emergency card supplement card 148 US dollars/pens (reference standards)
Copers to apply for emergency cash on cash out or replenishing emergency alternative to the corresponding international organizations after losing their cards abroad When services such as cards, collect

In emergency cash
n n of assistance service fees
50 yuan/r n After the loss of the card, apply for the emergency collection of

The foreign through the UnionPay
n network query fee
4 yuan/pen
Accept

The cross -bank query fee
0.3 yuan/r n

TM cardholders outside the domestic financial institutions are charged when

Instructions: 1. In the table, the charges labeled in the US dollar, when the cardholder dragon card dual -currency category credit card foreign exchange account settled currency of other currencies,

n2. If the fees are changed, the latest provisions shall prevail.
1) Dialogue: If your account has traded in the month (including consumption, cash withdrawal, repayment, and arrears exceed a certain amount), our bank will send you the billing bill according to the specified address in your bill. Essence According to domestic and overseas transactions, it is divided into "RMB accounts" bills and "US dollar accounts" bills.

2) Bill date: The monthly trading principal, fee, etc. of the cardholder during the billing cycle every month summarize the date of interest. Each card has only one billing day, and it is indicated on the letter attached to the new card and each statement.

3) Expiring repayment date: The 20th day of the bill is the last date of the return on the bill.

4) Credit quota: The highest limit that can be used by the cardholder's credit status and can be used during the validity period of the card. The common quota is also the common amount of the RMB account and the US dollar account, which is represented by the amount of RMB.

5) minimum repayment amount: indicates the minimum amount that the cardholder should repay the current period.

6) The amount of repayment of the previous period: The summary amount should be repaid in the previous bill.

7) The newly added repayment amount in this issue: From the day after the date of the previous period to the day, all transaction funds and related interest and costs of all transactions and related interests and expenses are.

8) The existing amount of this issue: The total amount repaid from the day from the day after the date of the previous bill to the date of this period.

9) All the repayment amount of this issue: = The previous period of the repayment amount the newly added repayment amount in this period-the repayment amount in this period.

10) Disputes/Number of strokes: The cardholder is doubts about his accounts, and submitted a request for cooperation with our bank within the prescribed time, and was included in the amount and number of strokes that were included in the dispute.

11) Trading Day: The date of the cardholder's actual card consumption, cash withdrawal, repayment and other transactions.

12) Bank accounting date: After the transaction of the card, the transaction payment is recorded in the account, or the relevant expenses and interest are recorded in the account date according to regulations.

13) Transaction details: relevant information of each transaction, including transaction types, transaction channels, trading locations and other information.

14) Trading currency/amount: reflect the currency and amount of local currencies in actual trading in the place of trading overseas, such as the money traded in Britain The amount.

15) Settlement currency/amount: domestic transaction funds (including overseas transactions through UnionPay networks) are listed in "CNY" and corresponding amounts, and overseas transactions are converted into US dollars "USD". And the corresponding amount list. The transaction with "*" in front of the settlement currency indicates dispute transactions, which is not included in the repayment amount; the amount of "-" transaction with "-" in front indicates loan transactions such as repayment transactions and consumption degradation.

16) repayment instructions: According to the different cards you hold, list the repayment and minimum repayment amount according to the different cards you hold. Please repay according to the card number and currency, so as not to cause unnecessary delays and losses.

17) Overdue information: If you have not repaid according to the period prescribed by our bank, or although the existing repayment but the lowest repayment amount, our bank will remind you that the account should be repaid immediately after the deadline.

18) Integral information: Your cumulative points refer to the total consumption points under the name of the card holder.

3 thoughts on “grateful dead jewelry wholesale CCB Dragon Card Online Banking Branch does not support the use of foreign currency shopping?”

Wendy
November 27, 2022 at 4:16 pm

www china jewelry wholesale com China Construction Bank Dragon Card Double -currency Credit Card Articles of Association

The chapter 1 Total 

Eminal 1 to adapt to the development of bank card business and provide comprehensive and high quality for cardholders The services of the People's Bank of China are formulated in accordance with the "Administrative Measures for the Bank of China Card Business" and relevant regulations.

The secondary currency type credit card (hereinafter referred to as "dual currency credit card") referred to as the dragon card dual currency type credit card (hereinafter referred to as "two -currency credit card") issued by China (hereinafter referred to as "card issuance bank"). The bank's publicly issued by the bank, the cardholder can use the payment within the credit limit approved by the card issuance bank to repay, and can be in China (excluding Hong Kong, Macao and Taiwan, the same below) and overseas (including Hong Kong, Macao and Taiwan, the same below) Credit payment tools for use and designated foreign exchange settlement and designated foreign exchange.

It 3 -currency credit cards have functions such as consumption, cash withdrawal, transfer settlement, except for restrictive regulations.

Prin 4 two currency type credit cards are divided into VISA cards and MasterCard cards according to different joining international organizations. They are divided into unit cards and personal cards according to different issues of cards. Card, gold card and ordinary card.

It China Construction Bank, dual -currency credit card holder and Dragon Carter scheduled merchants (including special merchants with UnionPay acceptance logo) shall jointly abide by this charter.

The part of the term involved in this charter follows the following definition:

The credit quota refers to the card holder's card holder's credit situation, etc. The maximum limit of arrears that can be used in the card during the validity period of the card can be used for the card issuing bank due to cards.

The date of trading refers to the date of holding, cash withdrawal or transfer of cardholders.

The bank accounting date refers to card issuing banks after the cardholder transaction will record the transaction payment in its dual -currency credit card account, or record the relevant fees and interests in their dual currency credit card accounts in accordance with regulations Date.

The bills refer to the card issuing bank to summarize the cumulative consumption transaction principal, the principal of the cash withdrawal transaction, the cost, etc. of the cardholder's cumulative consumption transaction, and the amount of interest, and calculate that the cardholder should repay Date of amount.

The daily repayment date refers to the cardholder stipulated in the card issuer of the card issuing bank to repay the last date of all its repayment or minimum repayment amount.

The dates of repayment dates to repay their debt to the issuing bank.

The repayment amount refers to the sum of the cumulative costs, trading principal and interest of the cardholder as of the current billing date.

The minimum repayment amount refers to the minimum amount required by the cardholder stipulated in the card issuer, including a certain percentage of cumulative consumption transaction principal and cash withdrawal trading principal. The amount of arrears of the quota and the sum of the minimum repayment amount in the previous month.

Merexible repayment refers to repay all the repayment amount before the cardholder's due repayment date (inclusive), and the bank bookkeeping of consumer transactions that can enjoy interest -free benefits The time between the day and the repayment day.

The ultra -limited -limit refers to when the cardholder has not repaid the amount of the credit amount that the card issued by the card issuing bank, the fee shall be paid to the card issuing bank in accordance with regulations.

The late payment refers when the cardholder does not pay the minimum repayment amount or the minimum repayment amount in the previous date (inclusive).

The Chapter 2 Application

The applicant to apply for a dual currency credit card must agree to comply with this charter, fill in the application form, provide relevant certification materials, send card banking bank Review. The applicant shall be responsible for the content of the application form and the authenticity of the proof materials.

It 8 institutions, groups, troops, companies, enterprises, public institutions, and other organizations (units) of financial institutions in China The registration certificate of the basic deposit account account approved by the bank and the relevant certification document application unit card. The card holder of the unit must be specified by the unit's legal representative (person in charge) or its authorized agent. All the transactions of each cardholder are recorded in the unit's dual currency type credit card account, and the unit shall bear the responsibility of repayment. The unit can apply for the cancellation of the cardholder's card qualification or change the cardholder at any time.

Itly natural person with complete civil behavior and repayment capabilities, you can apply for a personal card owner with your valid ID and related certification documents. Or a natural person who restricts civil behavior (must get the permission of its legal agent) to apply for a subsidiary card. Each main card can apply for up to three subsidiary cards. The main card holder can apply for cancellation of the subsidiary card at any time.

The all -transaction funds and corresponding interests, costs, etc. of the Affiliated Card are remembered to the main card account, and the cardholder of the main card holder should bear all repayment responsibilities; Affiliated card holders assume the liability for liability for the banks owed to the banks, and the subsidiary card holder with restrictions on civil behavior has only assumed the liability for the debt of its affiliated cards.

It the bank issuance bank to review the credit situation of the applicant according to the application form and certification materials submitted by the applicant. In some cases, card issuers can also require applicants to provide a certain number of security deposits, pledge guarantees or deposit. If the pledge guarantee method is adopted, the quality of the certificate is limited to the term deposit rights issued by the Treasury coupon or the card issuance bank.

I. For the application unit card, the card issuer banks will verify the total credit limit according to the credit situation of the application unit. Determine, the card issuance bank is approved; for the application for the personal card, the card issuer will verify the credit limit based on the credit situation of the main card applicant, such as the subsidiary card, the affiliated card holder shares the credit limit or the main card holds the holding of the main card. The cardholder determines its credit limit alone within his credit limit. The credit limit is commonly used between the Cardholders' dual currency credit card and the foreign currency account.

Chapter 3 uses

Article 12 of the dual currency type credit card holder cardholder can bring VISA, MasterCard card, UnionPay acceptance logo, or domestic belt outside There are special merchants with UnionPay acceptance logos and other special merchants designated by the card issuer. A cash -out outlets specified on the ATM or issuing bank with the UnionPay acceptance logo, the ATM withdrawn RMB cash, and enjoy other services provided by the card issuer. The unit card cannot withdraw cash in the country.

Article 13 The cardholders do not need to enter a password or show their identity documents when they consume or show their ID with a dual currency credit card with a dual currency credit card. When consumer consumption or domestic consumption in the country must be input or not needed to enter the card issuing bank in advance, you must show your ID when consumption in the country. When the cash outlet is online, the password must be entered when the cash is extracted, and the ID card must be displayed when the renminbi cash is extracted. After the transaction is successful, sign the same signature as the back of the card on the relevant documents.

The transaction based on the password, the corresponding electronic information recorded by the corresponding electronic information is an effective voucher completed by the transaction; if the transaction is not based on the password, it is recorded that the transaction voucher signed by the cardholder is recorded The valid credentials completed by this transaction, except for the Internet trading, telephone/fax transactions and mail order transactions on the Internet.

Article 15 Cardholders to withdraw RMB cash within the credit limit with a dual currency credit card or withdraw foreign currency cash on ATM with UnionPay acceptance of UnionPay acceptance abroad, the daily amount per card is withdrawn per day Do not exceed 2000 (including) yuan (or equivalent foreign currency); when there is a cash -out outlets with VISA, MasterCard Kaka accepting logo or ATM withdrawn from foreign currency cash, the cumulative amount of gold card per account per account is up to 1,000 (including including 1,000 (including including ) US dollar (or equivalent foreign currency), the highest card is 500 (including) USD (or equivalent foreign currency), and the cumulative cumulative monthly cumulative amount shall not exceed 5,000 (inclusive) US dollars (or equivalent foreign currencies). The cumulative cumulative amount of cardholders shall not exceed the specified proportion of the credit limit.

The double -currency credit card machines are valid for the longest three years, and they are invalidated when expired. The card issuer provides a cardholder to provide automatic card exchange service. If the cardholder does not change the card due to expiration, the card should be notified by the customer service phone call or other forms recognized by the card issued by the card issued by the card one month ago, but after the card expires, the dual -currency credit card account The debt -debt relationship that has not been settled is still valid.

Chapter 4 interest calculation, repayment and account management

Article 17 dual -currency type credit card holders with cards with VISA and MasterCard card accepting logo During the special merchants, cash outlets, or ATM transactions, transaction funds and corresponding costs, and interest are recorded in foreign currency accounts; special merchants with UnionPay acceptance signs abroad, ATM and trading in China Record in the RMB account.

Article 18 The cardholder who repays all the repayment amount before the due date (inclusive), and it occurs within one month before the bill date (inclusive) during the repayment. Consumer transactions enjoy interest -free benefits from bank accounting days to repayment date. The maximum interest -free repayment period is 50 days.

The cardholder who cannot or is unwilling to repay all the repayment amount before the expiration date (inclusive) will be repaid at any amount of no less repayment amount The money, but the consumer transaction payment in the repayment no longer enjoy interest -free repayment benefits. The cardholder will not enjoy interest -free repayment benefits within the credit limit. The card issuing bank issued a transaction payment for the cardholders who do not meet the interest -free repayment conditions, and the interest rate began to calculate interest from the bank's accounting date. The daily interest rate was five in 10,000.

It the 20 card issuance banks do not count interest on the deposit of the cardholder's dual currency credit card account.

It with a unit card holder to repay foreign exchange arrears, the foreign exchange account of the unit must be transferred from its unit. It has the corresponding payment content within the scope of its income and expenditure; if the repayment of RMB arrears, it must be transferred from its basic deposit account, and shall not be transferred from a bank settlement account outside the basic deposit account. Stay in.

It 22 If a personal card holder repay foreign exchange arrears, it must deposit in foreign currency cash in which it holds or is purchased in accordance with the regulations or the foreign exchange account opened from its card issuing bank. Transfer deposits; those who repay the RMB arrears shall be deposited in cash or deposit or deposit from the personal bank settlement account issued from the card issued bank. Relevant provisions of the Administrative Measures.

Article 23 The cardholder chooses the agreed account repayment method, the card issuance bank will deduct the corresponding corresponding to the deposit account issued by the card issuance bank at the designated date of the expiration date. The money is used to return its two -currency credit card account arrears.

It when the card holder repays the bills listed in the bills, the principal and consumer transaction principal of the principal and consumer transaction principal are compensated by the cost, interest, and cash withdrawal transactions (including transfer transactions). Impolidation.

The legal representative (person in charge) of the unit or its authorized agent to apply for cancellation of some unit cards or personal card owners to apply for cancellation of the subsidiary card, and the card shall be notified in advance. The bank also destroyed the corner cutting of the card applied for cancellation.

It 26 The main card holder or the card holder is not used during the validity period of the dual currency type credit card. The bank submits an account settlement application and destroyed all card cuts under the same account. After 45 days of claiming the account settlement, the card issuance bank has completed the formal settlement procedures for it (except for the card expiration of the card for more than 45 days). When the unit card is settled, the remaining RMB funds in the account will be transferred back to its basic deposit account. The foreign exchange funds will be transferred back to the corresponding foreign exchange account and shall not withdraw cash.

Chapter 5 The rights and obligations of the issuing bank

Article 27 The card issuing bank should set up a 24 -hour customer service phone to provide cardholders with business consultation, account inquiry , Comment acceptance and loss of loss.

It 28 cardholders who have transactions, expenses, or although there is no transaction or fee, but the account has a cardholder who has no balance. And to notify the cardholder by sending the bills and other ways to send the bills; if the cardholder proposes to inquire or correct the request for doubts about the change of the bill, the card issuing bank shall give a timely answer.

It 29 If the cardholder cannot use the card due to power supply, communication, etc., the card issuance bank has the obligation to assist the cardholder to solve the problem or provide necessary help, but for this reason, for this reason, for this The losses that may cause cardholders may not be responsible.

It issued card issuance banks with the right to use and handle the personal information of applicants and cardholders, but the information should be confidential, laws and regulations and financial regulatory agencies have regulations, card issuers and applicants Or except the cardholder has another agreement.

It 31 -issuing banks have the right to review the applicant's credit situation, check the relevant information of the applicant to any relevant parties, and decide whether to issue a card to the applicant. For the unspeakable application, the card issuance bank has the right to retain the relevant application materials and not refund it.

It 32nd card issuing banks have the right to charge a certain fee from the cardholder and record it in its dual -currency credit card account.

It 33rd card issuing banks have the right to follow the credit change of the card unit or cardholder, the total credit limit of the card holder unit or the personal card owner card of the unit card holder unit, etc. The cardholder's credit limit is adjusted and the relevant parties will be notified of the adjustment results.

It 34 double -currency type credit card cancellation or account settlement, the cardholder should cut the card cutting and destruction, and the card issuing bank retains the card that happened to the card later. Effective transactions and corresponding interests, costs, etc. caused by bank reasons and corresponding interest, costs, etc.

It 35 Cardholders who have not repaid the minimum repayment for four consecutive months, the card issuance bank has the right to stop paying its dual currency credit card, and it may require that the guarantor should bear the guarantee responsibility, and the guarantor shall bear the guarantee responsibility. To dispose of its deposit or quality, if necessary, the judicial organs are required to investigate the legal responsibility of the cardholder or take other corresponding pursuit measures.

It 36 Cardholders who use dual currency credit cards to perform malicious behaviors or other risks, the card issuance bank has the right to stop paying their dual currency credit cards to authorize special merchants to authorize special merchants The cash outlets will be recovered and takes measures to recover the arrears.

It 37 -issuing banks have the right to query or freeze the cardholder's dual currency type credit card account in accordance with the instructions of the authority.

Chapter 6 The rights and obligations of the cardholder

Article 38 The cardholder has the right to enjoy the services promised by the bank to the bank to supervise the quality of its service. And complained to dissatisfied services.

It 39 Cardholders have the right to ask the card issuing bank after using the card to transaction (free bills within three months before the date of obtaining the card), or pass the card issuance banking banks through the card issuance bank The customer service phone and other channels provided to understand their account changes; if there is doubts about the change of accounting, they have the right to ask the card issuer bank to inquire or correct the requirements within the prescribed time. If necessary If the transaction is found to be found to be the cardholder himself after the registration is registered, the cardholder must pay the subscription fee for the signing of the purchase of the purchase monotonous to pay the purchase of the purchase.

It 40 card issuing banks to increase the cardholder's credit limit due to the good card transaction and repayment record. The right to issue a card issuing bank to restore its original credit limit. However, the cardholder is liable for compensation for the valid transactions and corresponding interests and costs that have occurred.

It 41 dual currency type credit cards can only be used by the cardholder themselves, and the economic responsibility and risk loss caused by leasing, transfer or transfer dual currency credit cards are due to the cardholder bear.

It 42 In order to protect their legal card rights and interests from violations, the cardholder should immediately sign and sign in the signature bar on the back of the card after receiving a dual currency -type credit card. The same common signature on the application form and use this signature when using card transactions. The transaction liability and losses caused by the cards that the cards are not signature shall be borne by the cardholder.

It 43 cardholders shall properly keep and use the password properly, and shall not disclose the password to any others. All transactions using passwords are deemed to be the cardholder himself. Losses caused by password storage or improper use shall be borne by the cardholder himself.

It 44 Cardholders shall use dual currency credit cards on the Internet (Internet) on the Internet (Internet).

It 45 cardholders shall be used within the credit limit approved by the card issuing bank, and the corresponding currency payments of the arrears should be repaid before the expiration date (inclusive). Model or minimum repayment amount. If the cardholder chooses the agreed account repayment method, a sufficient balance should be retained in the specified repayment account.

It 46 Cardholders should keep the transaction voucher properly after using the card to prevent card information from others; pay attention to check the bills, if not receiving the bills on time, inquire in time Issuing bank. Cardholders cannot refuse to pay the card issuer in arrears (including the corresponding late fees, interest, etc.) on the issuing bank without receiving the bill.

It 47. If the cardholder's personal information, contact address, communication method or designated delivery address delivery address, etc. Or not to notify the card issuing banks in other forms recognized by the card issuing bank, otherwise, the loss caused by the cardholder should be borne by the cardholder.

It 48 cardholders shall properly keep the dual currency type credit card holding the office. If the card is lost or stolen, the customer service telephone provided by the card issuer shall be reported to the report of the report. The loss of his identity was effective immediately, and the debt and losses caused by the cardholder himself afterwards were no longer borne by the cardholder.

It 49 Cardholders have liabilities for all valid transactions and corresponding interests and costs before their dual -currency credit card accounts were officially settled.

The any transaction disputes between cardholders and merchants shall be resolved by the two parties by themselves. The card issuance bank shall not bear any responsibility. The card issuance bank repay the money owed.

It 51 issuing bank issuing banks to freeze the cardholder dual currency credit card account according to the frozen instructions of the rights agency. The cardholder is still liable for the corresponding arrears.

Chapter 7 Attachment

It did not do all matters in this charter, and implemented in accordance with relevant national laws, regulations, and rules. If the cardholder's card transaction involves overseas institutions, the dispute is implemented in accordance with the provisions of credit card organizations such as VISA, Mastercard, and China UnionPay.

It 53 The charter is formulated and explained by China Construction Bank. China Construction Bank amended this charter in accordance with national laws and relevant regulations. It is valid after approval and announcement, and there is no need to notify separately.

The Article 54 of the Articles of Association shall be implemented from the date of announcement. The former "China Construction Bank Dragon Card Loan Card Articles of Association" was abolished at the same time.

Attachment:

This China Construction Bank Dragon Card dual currency type credit card charging items and standards

The charge items
Remarks

year fee
Business card: Gold card 200 yuan/card, ordinary card 100 yuan/card
After receiving, I will not refund

The personal gold card (and Eastern Airlines Dragon Card silver card): main card 160 yuan/card, attached card 80 yuan/card r
Card 80 yuan/card, subsidiary card 40 yuan/card

Dragon card car card: main card 200 yuan/card, accessory card 100 yuan/card

The handling fee
In abroad: with VISA and MasterCarda network cash withdrawal, 3%of the cash withdrawal, minimum 3 US dollars; 1%, the minimum calculation calculated by the current amount is 2 yuan

otes: 0.5%of the cash withdrawal amount, the minimum of 2 yuan, and the maximum 50 yuan
charged according to the pen. There is no different land in the same city in the same city, and the cash withdrawal is not charged.

super limited fees
The minimum or minimum of 1 US dollars or 5 yuan (the same currency and over -limit part)
When the amount exceeds the approved credit limit (for exemption)

late money
minimum repayment amount is not paid by 5%, minimum $ 1 or 5 yuan (currency and corresponding ones The minimum repayment amount is the same)
The cardholder will charge

Card 20 yuan/card, color photo card 30 yuan/card
The cardholder card holder to charge the new card when the card is damaged, the magnetic strip is demagnetized, the signature error is applied for the new card

R n50 yuan/card
The new card replenishment of new cards

Puled billing fees
personal cards: 5 yuan/serving Free within a month)

Business cards: 5 yuan/serving of cardholders' bills, 20 yuan/copy of the unit's summary of the bill (free day for the day of obtaining it)
Account information

S sign to buy monotonous reading

Is handling fees
In abroad: $ 5/serving

The cardholder applies for the signing of the signing order, and the transaction is confirmed by the adjustment and signing order to collect the cardholder himself

card/password envelope

courier fees
each letter is 20 yuan
C cardholders to apply for an urgent delivery card/password envelope to collect

1.5%, calculation of foreign currency account settlement currency
This currency of trading currency with cardholders' foreign currency account settlement currency is collected

Can emergency services

procedures for procedures Fee
VISA: Emergency cash out $ 175/pen (reference standard)

Emergency card supplement card 175 US dollars/pens (reference standards)
noma Mastercard: Emergency cash out $ 95 /Pen (Reference Standard)

Emergency card supplement card 148 US dollars/pens (reference standards)
Copers to apply for emergency cash on cash out or replenishing emergency alternative to the corresponding international organizations after losing their cards abroad When services such as cards, collect

In emergency cash
n n of assistance service fees
50 yuan/r n After the loss of the card, apply for the emergency collection of

The foreign through the UnionPay
n network query fee
4 yuan/pen
Accept

The cross -bank query fee
0.3 yuan/r n

TM cardholders outside the domestic financial institutions are charged when

Instructions: 1. In the table, the charges labeled in the US dollar, when the cardholder dragon card dual -currency category credit card foreign exchange account settled currency of other currencies,

n2. If the fees are changed, the latest provisions shall prevail.
1) Dialogue: If your account has traded in the month (including consumption, cash withdrawal, repayment, and arrears exceed a certain amount), our bank will send you the billing bill according to the specified address in your bill. Essence According to domestic and overseas transactions, it is divided into "RMB accounts" bills and "US dollar accounts" bills.

2) Bill date: The monthly trading principal, fee, etc. of the cardholder during the billing cycle every month summarize the date of interest. Each card has only one billing day, and it is indicated on the letter attached to the new card and each statement.

3) Expiring repayment date: The 20th day of the bill is the last date of the return on the bill.

4) Credit quota: The highest limit that can be used by the cardholder's credit status and can be used during the validity period of the card. The common quota is also the common amount of the RMB account and the US dollar account, which is represented by the amount of RMB.

5) minimum repayment amount: indicates the minimum amount that the cardholder should repay the current period.

6) The amount of repayment of the previous period: The summary amount should be repaid in the previous bill.

7) The newly added repayment amount in this issue: From the day after the date of the previous period to the day, all transaction funds and related interest and costs of all transactions and related interests and expenses are.

8) The existing amount of this issue: The total amount repaid from the day from the day after the date of the previous bill to the date of this period.

9) All the repayment amount of this issue: = The previous period of the repayment amount the newly added repayment amount in this period-the repayment amount in this period.

10) Disputes/Number of strokes: The cardholder is doubts about his accounts, and submitted a request for cooperation with our bank within the prescribed time, and was included in the amount and number of strokes that were included in the dispute.

11) Trading Day: The date of the cardholder's actual card consumption, cash withdrawal, repayment and other transactions.

12) Bank accounting date: After the transaction of the card, the transaction payment is recorded in the account, or the relevant expenses and interest are recorded in the account date according to regulations.

13) Transaction details: relevant information of each transaction, including transaction types, transaction channels, trading locations and other information.

14) Trading currency/amount: reflect the currency and amount of local currencies in actual trading in the place of trading overseas, such as the money traded in Britain The amount.

15) Settlement currency/amount: domestic transaction funds (including overseas transactions through UnionPay networks) are listed in "CNY" and corresponding amounts, and overseas transactions are converted into US dollars "USD". And the corresponding amount list. The transaction with "*" in front of the settlement currency indicates dispute transactions, which is not included in the repayment amount; the amount of "-" transaction with "-" in front indicates loan transactions such as repayment transactions and consumption degradation.

16) repayment instructions: According to the different cards you hold, list the repayment and minimum repayment amount according to the different cards you hold. Please repay according to the card number and currency, so as not to cause unnecessary delays and losses.

17) Overdue information: If you have not repaid according to the period prescribed by our bank, or although the existing repayment but the lowest repayment amount, our bank will remind you that the account should be repaid immediately after the deadline.

18) Integral information: Your cumulative points refer to the total consumption points under the name of the card holder.

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Carroll
November 27, 2022 at 4:17 pm

wholesale gold statement jewelry If you want to buy things on foreign websites, you can use RMB to buy foreign currency shopping.

has a virtual card business on CCB. You can see that you only need to use the online banking card you have signed to apply for an application. The online use of RMB or USD for online payment.

The specific content you can call CCB's hotline 95533 for a detailed understanding, which is very convenient.

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Melody
November 27, 2022 at 4:17 pm

jewelry wholesale for resale Yes, it does not support foreign currency

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3 thoughts on “grateful dead jewelry wholesale CCB Dragon Card Online Banking Branch does not support the use of foreign currency shopping?”

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