Relevant regulations of CCB credit card:

1. The temporary credit line adjustment is valid within 60 days at the longest, the due credit line will be automatically restored to the original credit line, and repayment will be made in time before the due repayment date to reduce unnecessary overdraft interest expenses.

2. A bank settlement account opened for special management and use of its special funds. Special deposit accounts are used to handle the receipt and payment of various special funds and allow cash withdrawal.

Must be approved. Capital construction funds, renovation funds, extra-budgetary funds, grain, cotton and oil purchase funds, unit bank card reserve funds, securities trading settlement funds, futures trading deposits, interbank funds deposited by financial institutions, income remittance funds and business expenditure funds, unit party, league and trade union organization funds and other funds that need special management and use according to regulations may apply for opening special deposit accounts.

3. Handling the receipt and payment of funds for temporary business activities of temporary institutions and depositors. Withdrawing cash from a temporary deposit account shall be handled in accordance with the relevant provisions of the state on cash management. The scope of opening a temporary deposit account includes the establishment of temporary institutions, temporary business activities in different places, and verification of registered capital.

4. The daily business activities of depositors, such as the receipt and payment of funds and the withdrawal of wages, bonuses and cash, are handled through this account. The general deposit account is used to handle the deposit of depositors' loans, repayment of loans and other settlement funds. This account can be used for cash deposit, but not for cash withdrawal.

Therefore, there are two CCB credit cards, both of which have to be charged an annual fee.

Extended data:

Functions of CCB Credit Card:

(a) Reflect the flow of funds

Clearing card is the classification of capital flow according to economic content. An accounting project reflects an economic business, and each accounting project reflects the totality of capital movement from different aspects. Every accounting subject is a link to reflect the movement of funds, and the accounting subject system is a link to reflect the movement of funds.

Through the information provided by an accounting subject, we can understand a certain aspect of capital movement, such as the subject of "fixed assets", provide information on the increase, decrease and existing amount of fixed assets in a certain period, and reflect the situation of fixed assets; Through the information provided by all accounting subjects, you can complete?

(2) Accounting basis?

As a basic accounting system, clearing card stipulates the requirements of accounting scope, specific content, accounting method, accounting entry preparation method, detailed accounting and registration books. Organize accounting according to the provisions of accounting subjects: set up accounts in account books; Handle daily accounting affairs,

Determine accounting entries and prepare accounting vouchers; Register, etc. For example, a batch of goods with a value of RMB yuan, of which RMB yuan belongs to materials, should be accounted for according to the provisions of the accounting subject of "materials"; Yuan belongs to the management expenses, should be accounted for according to the provisions of the "management expenses" subject.

(3) Means of accounting management?

The relevant regulations on clearing cards are the standards for controlling daily economic activities, such as controlling the income and expenditure of monetary funds and the increase and decrease of materials. This kind of control is an institutional control in advance. If the provisions of accounting subjects are specific, comprehensive and correct, we can give full play to this role of prior control.

At the same time, the information provided by accounting entities is the basis of supervision, analysis and assessment; Timely dispatch funds, organize the supply of funds, and ensure the demand for funds; It also provides a basis for the preparation of financial plans.

Baidu Encyclopedia-China Construction Bank

Official Website of China Construction Bank-Credit Card Charter

Baidu encyclopedia-credit card