As we all know, the credit card quota is not fixed and will decrease with the consumption of the card. In addition, the bank will increase or decrease the credit limit according to the cardholder's card usage and credit status, which requires everyone to master the inquiry method of credit card limit in order to know how much credit card limit is left in time. However, different banks have different methods to inquire about the credit card limit. For example, China Everbright Bank has six ways to check the credit card limit. Let's have a look.
The credit card limit of China Everbright Bank is related to the card level, and the maximum limit of general card, gold card and titanium card is 50,000 yuan; The minimum amount of platinum card is 50,000 yuan, and the maximum amount is 500,000 yuan; Unlimited card amount does not exceed 6,543,800 yuan (inclusive). Everyone's credit status is different, and the approved amount is also different.
You can check the credit card limit of China Everbright Bank in the following six ways:
1. Online Banking Inquiry: Inquire about the available amount of the current credit card through personal online banking-credit card-account information inquiry and available amount field;
2. official website inquiry: Click "Login" on the left side of the credit card area website, enter/ID number, verification code and dynamic password, and then select "Account Service"-"Account Information Inquiry" in the function bar to inquire;
3. Wechat query: Select "Credit Card" through the "Sunshine Wealth" field at the bottom of the Wechat Bank page, click the pop-up graphic and select the "Account Query" field to query the current available amount of a single card;
4. Mobile banking inquiry: check the current available credit limit of a single card through mobile banking full card-credit card-credit limit inquiry;
5. Sunshine Life APP Query: You can select "Quota Management" on the "Card Life" page of Sunshine Life APP to view the current available quota;
6. SMS inquiry: use the mobile phone number reserved by the credit card, edit the SMS "last 4 digits of limit #" and send it to 95595 to inquire about the current credit card available limit.
How to activate the credit card of China Everbright Bank?
There are three ways to activate the credit card of China Everbright Bank:
First, open a customer service hotline.
Call the 7X24 global service hotline of China Everbright Bank (on the back of the 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. Activate through the credit card area of China Everbright Bank.
Enter the ID number and other related information according to the prompt to activate.
Third, it is activated through the counter of Everbright Bank outlets.
When the counter is activated, you need to provide the original credit card and ID card for activation.
Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
The credit card stipulated in the relevant laws of our country (Interpretation of the Provisions of NPC Standing Committee on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. 20 17 12 1 The English Translation and Writing Standard for Public Service was formally implemented, which stipulated that the English name of CreditCard was Credit Card. Credit card consumption is a non-cash transaction payment method, and there is no need to pay cash when spending, and repayment is made on the billing day.
Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.
From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate). On May 25th, 2002/KLOC-0, the Supreme People promulgated and implemented the Provisions of the Supreme People on Several Issues Concerning the Trial of Civil Cases of Bank Cards.
China Everbright Bank Credit Card Points Accumulation and Conversion Rules
According to the regulations of different banks, credit card points can generally be used to exchange gifts, annual credit card fees and cash consumption. What are the accumulation rules of credit card points of China Everbright Bank? How to redeem points?
I. Redemption of Credit Card Points of China Everbright Bank
Two. China Everbright Bank Credit Card Points Accumulation Rules
Three. Validity period of credit card points of China Everbright Bank
Four. China Everbright Bank Credit Card Points Inquiry Method
Everbright Bank Credit Card Points Exchange
First, China Everbright Bank credit card points exchange rules
1. After the customer successfully redeems the points, China Everbright Bank will deduct the corresponding points from the customer's points account, and the customer may not request to restore the points.
2. All gifts, exchange standards and exchange rules shall be subject to the announcement or catalogue of exchange activities at that time. Some redeemable gifts are limited before redemption. Please feel free to pay attention to the gifts and promotional materials on our point redemption website.
3. The redemption announcement or catalogue contains gifts with expiration date, which cannot be redeemed after expiration.
4. If the points in the customer's points account are insufficient, the redemption application will automatically become invalid without further notice.
5. In order to protect the rights and interests of customers, after all points are exchanged for gifts and sent to the address designated by customers, the recipients designated by customers need to sign for them. Unless otherwise specified, gifts will be arranged and delivered by the supplier.
6. If the customer's mobile phone information is inconsistent with the information registered when handling the debit card or credit card, it will affect the redemption of points. Please be sure to update your mobile phone information in time.
II. Credit card points exchange method of China Everbright Bank-online banking exchange.
1. Log in to the "Reward World" channel in the credit card area of China Everbright Bank and enter the points redemption page;
2. Select the gift you need to redeem, click the picture or name of the gift to enter the gift details page, and then click "I want to redeem" to add the gift to your shopping cart;
3. On the shopping cart page, select "Continue Redemption" or click "Enter the Settlement Center" after confirming the gift redemption;
4. After filling in the personal information correctly, click "OK" to enter the order confirmation page;
5. On the order confirmation page, select "Credit Card Billing Address" or manually enter the delivery information and select "Specify Delivery Address";
6. If "Designated Delivery Address" is selected for delivery, please enter the "Verification Code" and click to obtain the dynamic password;
7. Enter the dynamic password you obtained and click "Next" to complete the gift exchange.
Three. China Everbright Bank Credit Card Points Exchange Method-Customer Service Phone Exchange
Credit card customers of China Everbright Bank can call the 24-hour customer service hotline of China Everbright Bank at 95595 and choose manual service to redeem points or inquire.
China Everbright Bank Credit Card Points Accumulation Rules
I. Credit Card Points Rules of China Everbright Bank
1. All customers with points of China Everbright Bank can automatically accumulate points through credit card and debit card transactions, and credit card and debit card points can be combined. Premise for the combined use of customer points: If a customer of China Everbright Bank applies for debit card and credit card with ID information (including name, ID card and ID number), the debit card points and credit card points will be automatically combined and integrated. If the customer uses non-identity information to register credit cards and debit cards, or the registered certificate type or certificate number information is inconsistent, the customer's credit card and debit card points cannot be combined and can only be used separately.
2. This reward plan allows you to exchange points with the main card or the standard card of the main card, and the points of the auxiliary card, mini card and special card are merged into the reward account. You can't apply for bonus gift exchange, but you can check the bonus account information. Sunshine Huitong Card and Digital China Distribution Credit Card issued by China Everbright Bank do not participate in the points reward scheme. If other credit cards have special provisions, please pay attention to the gifts and promotional materials on our point redemption website from time to time, subject to the announcement.
3. When a customer of China Everbright Bank redeems a gift of China Everbright Bank according to the terms of these Detailed Rules, the customer will immediately lose the redemption qualification of the points reward scheme under the following circumstances:
1) The credit card or debit card held is deactivated or controlled, the credit card is cancelled by itself, and the account is frozen;
2) There is an overdue account, and the minimum repayment amount of the bill for two months has not been paid;
(3) Violating the Credit Card Collection Contract of China Everbright Bank, these Detailed Rules or other relevant provisions;
4) Other special circumstances stipulated by China Everbright Bank.
Two. China Everbright Bank Credit Card Points Accumulation Rules
1. Credit card holders of China Everbright Bank can earn points by spending money by swiping their cards, borrowing cash in advance, ordering goods by credit card and paying by installments.
2. Credit card holders of China Everbright Bank can get 1 points for single consumption or withdrawal of RMB 1 yuan, 8 points for single withdrawal of RMB, 20,000 points for single withdrawal of USD and 24,000 points for single withdrawal of USD. Among them, cash withdrawal transactions without cash withdrawal fees are not counted. The points generated by the transaction amount will take effect on the day after the bank bookkeeping date.
3. Everbright Bank credit card holders have more than two credit cards, and the accumulated points of each card are calculated together.
4. In case of refund due to credit card bill dispute or other reasons, China Everbright Bank will adjust the points obtained in proportion to the refund amount.
5. China Everbright Bank reserves the right to adjust the conversion ratio of points, and reserves the right of interpretation within the scope permitted by law.
Three, but the following items will not be calculated:
1, real estate transaction;
2. Automobile sales transactions;
3. wholesale transactions;
4. Public hospital transactions;
5. Open school transactions;
6. Charity and social service transactions;
7. Government service transactions.
Validity period of credit card points of China Everbright Bank
I. Validity Rules of Credit Card Points of China Everbright Bank
The validity period of credit card points of China Everbright Bank is the period of value-added functions given by China Everbright Bank to encourage cardholders to use credit cards for consumption. Credit card holders of China Everbright Bank can redeem exquisite gifts, airline miles and other prizes after the accumulated points reach a certain amount, and enjoy the value-added services brought by credit cards.
Two. Validity period of credit card points of China Everbright Bank
The credit card points of China Everbright Bank are valid for 5 years (including the year when the points are generated). After the card expires and the card is renewed, the points can continue to be redeemed for gifts.
For example, on August 8, 2007, Miss Hu used the credit card of China Everbright Bank to spend RMB 80 yuan, and the points generated by this consumption will take effect the next day, so the 80 points will expire on 20 1 1, 65438+February 3 1; On June 2, 2008, 70 yuan RMB was withdrawn with the credit card of China Everbright Bank, and the points generated by this amount will take effect the next day, so the points withdrawn this time will expire on February 36, 2065, with 438+2002+36,5438+0.
China Everbright Bank Credit Card Points Inquiry Method
First, the query method of credit card points of China Everbright Bank-bill query
Our bank will display the points redemption gift introduction and customer points summary information on the monthly statement sent to credit card holders.
Second, Everbright Bank credit card points query method-ATM self-service equipment
Customers of China Everbright Bank can use our ATM self-service equipment to check the information of integral account with valid cards.
III. Credit Card Points Inquiry Method of China Everbright Bank-Customer Service Manual
Customers of China Everbright Bank can call the 24-hour customer service hotline of China Everbright Bank at 95595, and choose manual service to redeem points or inquire.
Fourth, Everbright Bank credit card points query method-website query.
Customers of China Everbright Bank can log on to the "Give Back to the World" section of the "Credit Card" channel of our website, or directly log on to the "Give Back to the World" section of our credit card area to inquire about their favorite gifts and points account information.
Verb (abbreviation of verb) One of the credit card points inquiry methods of China Everbright Bank-online banking inquiry.
Customers log on to our online banking and enter the "points management" page of the "customer service" channel to inquire about the points account information.
VI. Credit card points inquiry method of China Everbright Bank-SMS inquiry
You can also use your credit card to reserve your mobile phone number and write a short message "points" and send it to 95595 to check the current total points.
How to activate the credit card of China Everbright Bank 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 according to the prompt, and the ID number and other related information will be activated. 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.
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 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.
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 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.
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.
China Everbright Bank Credit Card Points Exchange Method
Everbright Bank Credit Card Points Exchange Method 1: Online Banking Exchange
1. Log in to the "Reward World" channel in the credit card area of China Everbright Bank and enter the points redemption page;
2. Select the gift you need to redeem, click the picture or name of the gift to enter the gift details page, and then click "I want to redeem" to add the gift to your shopping cart;
3. On the shopping cart page, select "Continue Redemption" or click "Enter the Settlement Center" after confirming the gift redemption;
4. After filling in the personal information correctly, click "OK" to enter the order confirmation page;
5. On the order confirmation page, select "Credit Card Billing Address" or manually enter the delivery information and select "Specify Delivery Address";
6. If "Designated Delivery Address" is selected for delivery, please enter the "Verification Code" and click to obtain the dynamic password;
7. Enter the dynamic password you obtained and click "Next" to complete the gift exchange.
Credit card points exchange method 2 of China Everbright Bank: telephone exchange.
Credit card holders of China Everbright Bank can dial the 24-hour credit card service hotline 4008- 1-95595- and select "9" to enter the manual service, and exchange credit card points for gifts.
65438+
2. Sunshine Huitong Card and Digital China Distribution Credit Card issued by China Everbright Bank will not participate in the points reward scheme. If other credit cards have special provisions, please pay attention to the gifts and promotional materials on our point redemption website from time to time, subject to the announcement.
3. After all the credit card points of China Everbright Bank are exchanged for gifts and delivered to the address designated by the customer, the customer will designate the recipient to sign for them.
The introduction of Everbright Credit Card Zone ends here.