Bank of China official card credit card

What types of credit cards does China Everbright Bank have?

Everbright Bank credit cards have the following types:

1, business travel credit card.

This kind of credit card is mainly issued by the company, which can help the company improve the management of travel expenses and facilitate employees to reimburse travel expenses. At the same time, the unit can also provide cardholders with higher consumption quota protection.

2. Sports credit card.

This kind of credit card takes sports as its theme, and its main function is either to facilitate the purchase of tickets for a certain sports event or to go to cooperative venues for sports at preferential prices.

3. Charity credit card.

This kind of credit card is generally based on a charity activity, and China Everbright Bank donates to this charity activity according to the cardholder's card handling or credit card consumption.

4. Car/gasoline credit card.

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

5. Shopping and spending credit cards.

There are many such credit cards, generally co-branded cards issued by China Everbright Bank and specific merchants or institutions. They can enjoy shopping discounts as joint membership cards.

6. Other special credit cards.

The slogan of Yanhuang Credit Card is "Global Chinese * * *", which is actually a credit card for high-end customers (including overseas compatriots in China). Cardholders can enjoy VIP clinic expert appointment, international clinic diagnosis and treatment, home visit appointment and other health service functions at the membership price.

7. Standard credit card.

Sunshine Credit Card is a standard credit card issued by China Everbright Bank. In addition to the basic functions of credit cards, we also jointly developed the business travel service function with Ctrip. It can book travel products (air tickets, hotels, etc.). ) price concessions, credit card spending can get double points.

Extended data

1. All China citizens, foreigners living in China and compatriots from Hong Kong, Macao and Taiwan who have full capacity for civil conduct, legally stable income and good reputation can apply for personal credit card MasterCard with their valid certificates. Note: the application card needs to be accompanied by work certificate, and other conditions are needed, including social security, good enterprises such as institutions, vehicles, houses, etc. , the specific phone number can be contacted.

Two, the principal cardholder and the deputy cardholder * * use the same credit line; The cardholder of the primary card can set the usage limit of the secondary card within the credit limit; All transaction funds, corresponding interest and expenses of the secondary card are credited to the account of the primary card, and the cardholder of the primary card is fully responsible for the debts incurred under the primary card and the secondary card.

3. Enterprises, administrative institutions, social organizations and other economic organizations authorized by a legal person to open a basic account in domestic financial institutions may apply to the card issuer for a corporate card with an account opening permit issued by the People's Bank of China. To apply for a foreign currency unit card, you must also have a stable source of foreign exchange and an account that can legally control its foreign exchange.

Each unit can apply for several unit cards, and the cardholder qualification shall be designated or revoked in writing by the legal representative of the applicant unit or its entrusted agent. The applicant shall bear all debts arising from the unit card.

4. When applying for a credit card, the applicant shall fill in the application form and the authentic materials required by the card issuer correctly, completely and truly, and sign a contract with the card issuer. According to the applicant's application and credit status, the card issuer decides whether to approve his application, whether to require him to provide guarantee and guarantee method, and determines the credit limit.

Five, credit card applicants to provide security methods include guarantee, mortgage and pledge. The scope of guarantee includes all outstanding debts under the cardholder's credit card, and the corresponding guarantee contract is signed for guarantee.

6. The credit card issuer of China Everbright Bank provides the cardholder with the inquiry password and transaction password through designated channels.

7. After receiving the credit card, the cardholder shall immediately sign the same signature in the signature column on the back of the credit card and use the same signature in the transaction, otherwise the cardholder shall be responsible for the losses arising therefrom.

Baidu Encyclopedia-China Everbright Bank Credit Card

What does the gold customer of China Everbright Bank mean?

At present, the debit card of China Everbright Bank implements dynamic rating management, which is based on the average daily balance of personal financial assets of customers in China Everbright Bank for three consecutive months. Everbright Bank Sunshine Gold Card (i.e. gold customer): Everbright Bank's daily average personal financial assets for three consecutive months are 6,543,800+10,000 yuan (inclusive)-500,000 yuan; Or apply for a personal loan of RMB 300,000 (inclusive)-RMB 800,000 in China Everbright Bank, and the repayment is normal.

The value-added services enjoyed by gold customers of China Everbright Bank in China Everbright Bank are as follows:

1, account manager service of wealth management center;

2. Financial information services;

3. Suggestions on asset allocation;

4. Redemption of points and preferential merchants;

5. At present, there is no handling fee for depositing and withdrawing money through self-service equipment in the same city and different places in China (self-service equipment deposits in other banks are not supported for the time being).

Extended data:

Introduction of credit card types of China Everbright Bank

4. Car and gas credit cards. The credit card jointly signed by China Everbright and Anbang Club can be used as the membership card of Anbang Club and enjoy preferential services such as installment payment, rescue, auto insurance, car repair, beauty treatment and modification.

Baidu Encyclopedia-China Everbright Bank Credit Card

Baidu encyclopedia-sunshine debit card

Which credit cards of China Everbright Bank are free of annual fees?

1. Free annual fee for life: spell-and-spell co-branded credit card, Everbright Taobao movie doll co-branded card, Everbright Netease koala co-branded card, light Q card blue starry sky, a little information co-branded credit card (rich and willful), Everbright Road pink card/little blue card, light Q card pink dream, Everbright Dream Westward Journey credit card gold card, Everbright Guevara co-branded card, and Everbright Green Zero Carbon credit card.

2. Free of annual fee in the first year, and free of annual fee in the following year after three transactions in the same year: Everbright Little Yellow Duck Meng Tong Theme Card, BDUCK Little Yellow Duck Theme Card Husky Edition and BDUCK Little Yellow Duck Theme Card buffy Edition.

3. Everbright Lucky Cat Theme Credit Card (or free of charge for the next year when it is over 2000 yuan), Fashion COSMO Co-branded Credit Card, Everbright Jiaren Perfume Credit Card, Everbright Securities Fuzun Co-branded Credit Card, Everbright Sohu Video Co-branded Credit Card Gold Card, Everbright Bank Basketball Black Card, Fu Credit Card, Everbright Fu Credit Card Gold Card and Everbright Yanhuang Credit Card Gold Card.

4. Free of annual fee in the first year, and free of annual fee in the following year for six transactions in the same year: Sunshine Billion Titanium International Credit Card and Everbright Elite Credit Card.

Extended data

Annual fee deduction process:

I. Period of validity of integral deduction:

You can call our 7×24-hour global VIP service hotline 4008-11-333, and apply for points to deduct the annual fee within the validity period specified in the table below. Applications outside the validity period cannot be deducted.

Second, the way to apply for deduction

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

Annual fee standard

1. The annual fee policy of most banks has not changed. General standard credit card annual fee is about 100 yuan, and gold card annual fee is generally 200 yuan or 300 yuan. The annual fee of a single-currency card is lower than that of a dual-currency card. Generally, the annual fee of the supplementary card is halved corresponding to the annual fee of the main card.

2. But the annual fee standard of different bank credit cards will be different according to different cards. For example, the annual fee of the standard credit card of Shanghai Pudong Development Bank is the main card 180 yuan and the auxiliary card 90 yuan; Gold card annual fee 360 yuan, main card, auxiliary card 180 yuan; Annual fee of 360 yuan Pudong Development Co-branded Card.

3.PUFA McDull series credit cards have been branded as "free of annual fee for life". Therefore, even for credit cards issued by the same credit card center, the annual fee standard will be very different. Cardholders should first ask how high this "potential cost" is when handling cards.

Free annual fee rule

1. It's not cost-effective to apply for a card without swiping it, but also to post the annual fee. However, different banks have different annual fee-free rules, which makes it easy for cardholders to inadvertently generate annual fees.

2. Cardholders generally think that credit card agents are exempt from annual fees in the first year, but not all cards are exempt from annual fees in the second year after they are swiped to a certain standard. For example, ICBC's credit card does not charge an annual fee in the first year, but it needs to be swiped five times or spend more than 5,000 yuan to avoid the annual fee for that year; According to the regulations of China CITIC Bank, the annual fee for the first year can only be waived if you swipe your card once in the first month after issuing the card.

Species introduction

3. Business credit card, central budget unit business credit card, sunshine business credit card and Shaanxi budget unit business credit card all belong to this kind of credit card.

4. Sports credit card. This kind of credit card takes sports as its theme, and its main function is either to facilitate the purchase of tickets for a certain sports event or to go to cooperative venues for sports at preferential prices. The main function of Formula One racing credit card is to watch all kinds of racing events and buy souvenirs of Shanghai International Circuit at preferential prices.

5. UnionPay Golf Credit Card holders can play golf in the cooperative course with a discount of 3-6%. Sports theme credit card has no special function, and its main features are novel card face and vertical design. China's calligraphy "Dreams come true" is the main pattern, which embodies the humanistic concept of "China people hold the Olympic Games". The main function of VISA Olympic theme credit card is to facilitate the purchase of Olympic tickets.

6. Charity credit card. This kind of credit card is generally based on a charity activity, and China Everbright Bank donates to this charity activity according to the cardholder's card handling or credit card consumption. Mother's Water Cellar-Love Credit Card features that China Everbright Bank donated one thousandth of the credit card consumption to the charity event "Love the Earth: Mother's Water Cellar".

7. The characteristic of Wuhan Hope Credit Card is that everbright Bank donates 20 yuan to Wuhan Youth Development Foundation for each successful card issuance; Every time a cardholder swipes a card, China Everbright Bank donates 0. 1 yuan to the fund.

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

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

References:

Baidu Encyclopedia-China Everbright Bank Credit Card

What kind of credit card should China Everbright Bank handle?

That depends on what kind of card you want to get. If you only classify cards according to their appearance and characteristics, all the card approval conditions are the same. (For example, Everbright, Yanhuang Card, Fuka, Little Yellow Duck Card, Golf Card, etc. ), the application conditions of these cards are the same. If you look at the level of the card, it can be divided into general card, gold card and platinum card. The grades are increasing in turn, so if the grades are too high, the requirements for the application are too high. It is best to apply for an ordinary card, and the amount is generally between 2000- 10000 yuan.

1. China everbright bank credit card center was founded in July 2003 and formally established at the end of 2003. Directly under the head office of China Everbright Bank, it is a credit card center serving consumers within the framework of state-owned holding and international financial organizations participating in national joint-stock commercial banks. Sunshine Credit Card provides a variety of repayment methods for you to choose from: outlet counter, automatic teller machine (ATM), self-service deposit machine (CRS), multimedia self-service inquiry machine, automatic transfer of Sunshine Card, inter-bank transfer/remittance, online bank repayment and telephone purchase of foreign exchange, which makes your credit card more worry-free.

Two, the bank according to the credit information provided by the credit card applicant, such as income status and credit rating. , to determine the maximum quantity that can be used within the specified time. The credit line can be recycled, and consumption or withdrawal can be repaid in whole or in part before the due repayment date. Cardholders can also apply for credit card limit adjustment.

Third, 1, business travel credit card. This kind of credit card is mainly issued by the company, which can help the company improve the management of travel expenses and facilitate employees to reimburse travel expenses. At the same time, the unit can also provide cardholders with higher consumption quota protection. Generally, this kind of credit card also has the functions of free annual fee for life, giving aviation accident insurance, and 48-hour card loss protection. Business credit card, central budget unit business credit card, sunshine business credit card and Shaanxi budget unit business credit card all belong to this kind of credit card.

2. Sports credit card. This kind of credit card takes sports as its theme, and its main function is either to facilitate the purchase of tickets for a certain sports event or to go to cooperative venues for sports at preferential prices. The main function of Formula One racing credit card is to watch all kinds of racing events and buy souvenirs of Shanghai International Circuit at preferential prices. Unionpay Golf Credit Card holders can play golf in the cooperative course with a discount of 3-6%. Sports theme credit card has no special function, and its main features are novel card face and vertical design. China's calligraphy "Dreams come true" is the main pattern, which embodies the humanistic concept of "China people hold the Olympic Games". The main function of VISA Olympic theme credit card is to facilitate the purchase of Olympic tickets.

3. Charity credit card. This kind of credit card is generally based on a charity activity, and China Everbright Bank donates to this charity activity according to the cardholder's card handling or credit card consumption. Mother's Water Cellar-Love Credit Card Features China Everbright Bank donated one thousandth of the credit card consumption to the charity event "Love the Earth: Mother's Water Cellar". The characteristics of Wuhan Hope Credit Card are as follows: everbright Bank donates 20 yuan to Wuhan Youth Development Foundation for each card successfully issued; Every time a cardholder swipes a card, China Everbright Bank donates 0. 1 yuan to the fund.

4. Car/gasoline credit card. Everbright Bank has never issued a real car/gas credit card. Everbright/Wanxing Co-branded Credit Card is only issued in Shanghai, and can be used as the membership card of Shanghai Wanxing Automobile Company, enjoying the automobile sales, insurance and other services provided by the company. Everbright/Anbang Club co-branded credit card can be used as the membership card of Anbang Club, and enjoy preferential services such as installment payment, rescue, auto insurance, car repair, beauty treatment and modification.

5. Shopping and spending credit cards. There are many such credit cards, generally co-branded cards issued by China Everbright Bank and specific merchants or institutions. They can enjoy shopping discounts as joint membership cards. Qingdao sunshine gourmet credit card can enjoy preferential treatment in more than 400 catering and entertainment merchants in Qingdao. Everbright/Farrell co-branded credit card, Everbright-China Unicom general points co-branded credit card, Shenzhen co-branded credit card, Shenzhen Sun Department Store co-branded credit card, Everbright-Fashion co-branded credit card, Zhengzhou Zhengdao Garden Yanhuang credit card and Everbright credit card can all receive preferential services in the corresponding merchants.

6. Other special credit cards. The slogan of Yanhuang Credit Card is "Global Chinese * * *", which is actually a credit card for high-end customers (including overseas compatriots in China). Cardholders can enjoy VIP outpatient expert appointment, international outpatient diagnosis and treatment, appointment of home visits and other health service functions at the membership price; Obtain financial services such as VIP wealth management; Self-driving travel can get the automobile road rescue service provided by China Everbright Bank. Buy air tickets to get aviation accident insurance (up to 6,543,800 yuan). Baby-friendly credit cards can provide professional photography, expert early education, discounts on visiting aquariums, and beauty protection for women. Kunming Sunshine Water Card has the function of automatically withholding water charges. Beijing special housing maintenance fund card can check the special housing maintenance fund paid by the cardholder. Digital China Distribution Credit Card is a co-branded card used by Digital China Company and its distributors for distribution and purchase.

7. Standard credit card. Sunshine Credit Card is a standard credit card issued by China Everbright Bank. In addition to the basic functions of credit cards, we also jointly developed the business travel service function with Ctrip. It can book travel products (air tickets, hotels, etc.). ) price concessions, credit card spending can get double points. Ruyi Sambo Credit Card is a credit card specially designed for families. It is aimed at three objects in the family: father, mother and children. The card surface is designed with the sun, moon and stars, reflecting good luck and good wishes. "Fu" credit card takes "Fu" as the card surface, and Everbright Bank provides a combination of standard card and mini card.

Will the credit card limit of China Everbright Bank be reduced? Under what circumstances will it be downgraded?

Credit cards have been reduced for three reasons:

(1) usage times

If you use too little, there is a risk of lowering the quota. Just like me, the purpose of applying for a credit card is actually because I want gifts from others.

(2) Credit card cashing

Nowadays, many people withdraw cash from their credit cards by abnormal means. In recent years, the current practice of cashing out credit cards has intensified. Remind everyone not to take chances. Cashing out is illegal in itself. If you are only suspected of cashing out, you must go to the bank to make it clear and prove yourself.

(3) Often overdue

"Brush the card for a while, and there are two lines of tears." Credit cards bring us great convenience in daily payment, but it is this convenience that makes many people unable to correctly evaluate their repayment ability when spending, which leads to the overdue of credit cards. Accumulate many times, the bank will judge that your repayment ability is insufficient, and naturally reduce the amount.

Extended data;

Credit card type of China Everbright Bank:

Baidu Encyclopedia-China Everbright Bank Credit Card

Does China Everbright Bank need to activate its credit card when it expires?

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

There are three activation methods:

1. Activate through the customer service hotline and call the 24-hour global service hotline of China Everbright Bank (on the back of your credit card): 4007-888-888. Then enter the personal information reserved when applying according to the voice prompt → Everbright Bank credit card is activated successfully. You can open a credit card.

2. Go through the credit card area of China Everbright Bank, and then enter relevant information such as++and ID number as prompted to activate. Operating environment: MacBook, macOS( 10. 15.7) system, google version 92.0.4515.131.

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

The credit card of China Everbright Bank is valid for five years and needs to be replaced after the expiration. Everbright Bank will call the cardholder about one month before the credit card expires, asking whether the cardholder needs to continue mailing the new card. After obtaining the consent of the cardholder and checking the delivery address, mail the new card to the designated address. The new card will be consistent with the original card in terms of account information such as quota, function and points. After the new card is activated, the old card is invalid.

Everbright Bank Credit Card:

China Everbright Bank Credit Card Center was founded in July 2003 and formally established at the end of 2003. Directly under the head office of China Everbright Bank, it is a credit card center serving consumers within the framework of state-owned holding and international financial organizations participating in national joint-stock commercial banks.

Sunshine Credit Card provides a variety of repayment methods for you to choose from: outlet counter, automatic teller machine (ATM), self-service deposit machine (CRS), multimedia self-service inquiry machine, automatic transfer of Sunshine Card, inter-bank transfer/remittance, online bank repayment and telephone purchase of foreign exchange, which makes your credit card more worry-free.

Category introduction:

1, business travel credit card. This kind of credit card is mainly issued by the company, which can help the company improve the management of travel expenses and facilitate employees to reimburse travel expenses. At the same time, the credit card unit of China Everbright Bank can also provide cardholders with higher consumption quota protection. Generally, this kind of credit card also has the functions of free annual fee for life, giving aviation accident insurance, and 48-hour card loss protection. Business credit cards, business credit cards of budget units of relevant departments, business credit cards of Sunshine Business Travel and business credit cards of budget units of Shaanxi Province all belong to this kind of credit cards.

3. Charity credit card. This kind of credit card is generally based on a charity activity, and China Everbright Bank donates to this charity activity according to the cardholder's card handling or credit card consumption. Mother's Water Cellar-Love Credit Card features that China Everbright Bank donated one thousandth of the credit card consumption to the charity event "Love the Earth: Mother's Water Cellar". The characteristics of Wuhan Hope Credit Card are as follows: everbright Bank donates 20 yuan to Wuhan Youth Development Foundation for each card successfully issued; Every time a cardholder swipes a card, China Everbright Bank donates 0. 1 yuan to the fund.

6. Other special credit cards. The slogan of Yanhuang Credit Card is "Global Chinese * * *", which is actually a credit card for high-end customers (including overseas compatriots in China). Cardholders can enjoy VIP outpatient expert appointment, international outpatient diagnosis and treatment, appointment of home visits and other health service functions at the membership price; Obtain financial services such as VIP wealth management; Self-driving travel can get the automobile road rescue service provided by China Everbright Bank. Buy air tickets to get aviation accident insurance (up to 6,543,800 yuan). Baby-friendly credit card can provide professional baby photography, expert early education, aquarium visit discount, female fitness maintenance and other preferential services. Kunming Sunshine Water Card has the function of automatically withholding water charges. Beijing special housing maintenance fund card can check the special housing maintenance fund paid by the cardholder. Digital China Distribution Credit Card is a co-branded card used by Digital China Company and its distributors for distribution and purchase.

This is the end of the introduction of business travel credit card and China Bank business credit card. I wonder if you have found the information you need from them?

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