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Great Wall RMB Credit Card


 

Introduction

Great Wall RMB credit card, with a brand history of twenty two years, has such core functions as interest-bearing deposit, overdraft consumption, credit line management of supplementary cards and agency utility bill payment to meet customers' needs for consumption, wealth management and fund transfer.

Note: Functions of Great Wall RMB Credit Card vary in different regions. For more information, please see the detailed introduction:

I. Introduction to Great Wall RMB Credit Card (excluding Guangdong, Shenzhen, Zhejiang, Jiangsu, Shanghai and Hubei)

Functions

1. Wealth accumulation with financial preferences

? Wealth management with installment purchase

Bank of China provides customers with installment at stores, mail order installment and flexible telephone order installment. Installment at stores provides customers with interest-free installment service for shopping at designated malls, where procedures are as simple as that of common card consumption. By mail order installment, thousands of goods are available. Customers can enjoy shopping with no interest, handling fees or freight charges by calling sales hotline or logging on to Bank of China website. Shopping becomes easier by flexible telephone order installment without any limits on shopping malls and goods. Simply by calling customer service hotline 4006695566, customers can apply for the installment service to enjoy easy wealth management.

? Discounts in preferential merchants network

With Bank of China's credit cards, customers can enjoy exclusive preferences for catering, entertainment, shopping, leisure and fitness at merchants in China's Mainland, Hong Kong and Macau, as well as other preferences such as 10% to 80% discounts for shopping, membership privileges, complimentary services, exclusive membership shopping time and special offers.

? Reward points accumulation for more gifts

With Bank of China Credit Card, customers can obtain one reward point for consumption or cash withdrawal of each RMB 1. Various gifts are available by redemption of reward points.

2. Safeguard by "quintuple guarantees"

? Safety guaranteed by password plus signature

Customers can choose "signature" or "password plus signature" for card payment. We assure your payment security with our considerate services.

? SMS prompt

Bank of China offers SMS prompt services for real-time transaction notification, helping customers to track the card and transaction status.

? Telephone prompt against frauds

With an advanced fraud detection system, Bank of China will call the customer for confirmation of a lost or stolen card immediately upon detecting any suspicious transactions to ensure the card safety.

? Zero risk loss report

In case of loss or theft of cards, customers are recommended to promptly call the 24-hour customer service hotline of Bank of China. For any transaction incurred after the valid loss report, Bank of China will undertake relevant liabilities.

? Relaxing travel with non-cash transaction

Customers can make payments just by swiping Bank of China's credit cards, thus avoiding potential risks of carrying cash while shopping and traveling.

3. Considerate services for a comfortable life

? ATM cash withdrawal/inquiry/password reset

Customers can withdraw RMB cash, check available balance and account balance on Bank of China ATMs in China or on ATMs bearing "UnionPay" logo. Customers can also change their passwords on Bank of China ATMs.

? Cash advance

In China, with the Great Wall RMB Credit Card, customers can withdraw RMB by password at Bank of China outlets or ATMs, or on ATMs of other commercial banks with the UnionPay logo.

While abroad, with the Great Wall RMB Credit Card, customers can withdraw local legal tender by cash advance on ATMs with the UnionPay logo.

? Card upgrading

Bank of China will make regular and comprehensive assessment on its standard credit cardholders according to relevant conditions, such as annual consumption amount and overdraft. If qualified, standard cards will be automatically upgraded to gold ones.

? Permanent/temporary adjustment of credit line

Customers can apply for permanent or temporary credit line adjustment by calling the customer service center. The center will complete the credit line adjustment upon approval and notify the customers. Temporary credit line adjustment, the maximum term of which is 30 days, is not applied to cash withdrawal.

? Equal credit line for supplementary cards

Customers can apply for up to three supplementary cards for the family. The supplementary card shares the credit line with the principal card, with the credit line of each period to be set according to customers' needs.

? Global Chinese service to make everywhere like home

With 14,000 outlets and overseas branches in 20 countries and regions, Bank of China provides customers with Chinese services in foreign land.

? Easy access to account

Customers can inquire about current balance, available balance, credit line and other relevant information of their cards via 24-hour customer service hotline, portal website of Bank of China, ATMs with UnionPay logo, or counters of Bank of China for timely repayment.

Bank of China Card Management Center posts the statement to the designated address of customers within three days from the statement date of each month, so that customers can check their transactions in time.

Features

1. Exceptional preference in "my place"!

While doing business in the globalized world, customers still have their center of life. So Great Wall RMB Credit Card now enables customers to create "my place"! Customers can set any province or municipality in China as "my place", in which customers has no need to pay handling fees for deposit, withdrawal and transfer over the counter as well as cash withdrawal on ATMs of the bank!

2. Interest-free overdraft and interest-bearing deposit!

Without cash deposit in advance, customers can conduct overdraft consumption with Great Wall RMB Credit Card and enjoy a grace period up to 50 days. With cash deposit in the card, customers can enjoy interest paid by the bank according to the current deposit interest rate. Easy financing and easy wealth management! While enjoying the convenience of interest-free overdraft consumption, customers can realize assets maintenance and appreciation.

3. Revolving credit, convenient wealth management

By revolving credit, customers only need to pay the minimum repayment amount for every issue of statement, thus enjoying maximum credit and easy wealth management.

4. Agency bill payment

Customers can use Great Wall RMB Credit Card to pay utility bills, thus saving troubles of queuing at counters.

5. Supplementary card management!

As principal cardholders, customers can set monthly maximum transaction amount for the supplementary card(s) if necessary. From now on, with supplementary cards of Great Wall RMB Credit Card, customers can help children with self-management of wealth! By managing expenses of children through cards, parents can pay pocket money afterwards!

Ⅱ. Introduction to Great Wall RMB Credit Card in Guangdong, Shenzhen, Zhejiang, Jiangsu, Shanghai and Hubei

Functions

1. Card payment

Customers can consume at contracted merchants of Bank of China in China and contracted merchants of UnionPay both at home and abroad.

2. Counter transaction

Customers can deposit, withdraw and inquire about transactions at outlets of Bank of China.

3. Cash withdrawal

Customers can withdraw RMB at counters of Bank of China outlets in China and withdraw local legal tender on UnionPay ATMs abroad. For cash withdrawal abroad, customers need to pay handling fees according to different transaction channels and card types.

4. Deposit

Customers can make deposits at counters of Bank of China outlets in China. Handling fees will not be charged where issuing banks are located, but will be charged for inter-city deposit.

5. Transfer

Customers can apply for transferring deposit in one Great Wall RMB Credit Card to another at counters of Bank of China outlets in China. Besides, the bank supports mutual transfer between Great Wall RMB Credit Card and Great Wall Debit Card. No handling fee will be charged for transfer where issuing banks are located, but corresponding handling fees are charged for inter-city transfer.

6. Inquiry

Customers can inquire about available balance and account balance at counters of Bank of China outlets.

7. ATM cash withdrawal

Customers can withdraw RMB on Bank of China ATMs and ATMs with UnionPay logo in China and local legal tender on ATMs with UnionPay logo abroad.

8. ATM inquiry/password reset

Customers can check available balance and account balance on Bank of China ATMs or ATMs with UnionPay logo both at home and abroad. Customers can reset password on ATMs of Bank of China outlets where the card is issued.

9. Card upgrading

Bank of China will make regular and comprehensive assessment on its standard credit cards according to relevant conditions, such as annual consumption amount and overdraft. If qualified, standard cards will be automatically upgraded to gold ones.

10. Permanent/temporary adjustment of credit line

Customers can apply for permanent or temporary credit line adjustment by calling the customer service center. The customer service center will complete the credit line adjustment upon approval and notify the customers. Temporary credit line adjustment, the maximum term of which is 30 days, is not applied to cash withdrawal.

Features

1. Convenient overdraft

When customers are short of funds, Great Wall RMB Credit Card can provide the convenience of overdraft consumption or overdraft cash withdrawal of small amount within the overdraft limit.

2. Deposit interest

Different from standard credit cards, Great Wall RMB Credit Card allows overdraft and provides interest on deposit in the card according to the current deposit interest rate. In addition to convenience of consumption, customers can leisurely realize assets maintenance and appreciation.

Target Customers

Chinese citizens aged 18 or older, with full capacity for civil conduct and lawful stable income, foreigners with Residence Permit in China and compatriots from Hong Kong, Macau and Taiwan, can apply for Bank of China Great Wall RMB Credit Card at the local branch.

Procedure

The following documents are required for card application:

1. Identity documents: Bank of China accepts the principal card applicants aged between 18 and 65 and supplementary card applicants aged 16 or older.

For domestic residents: a copy of valid ID card or interim ID card (both sides), or military ID card;

For foreign nationals:

① Valid passport;

② Copy of Residence Permit for Foreigners, or copy of Residence Permit for Foreigners attached on the visa page in the passport or copy of Permanent Residence Permit for Foreigners;

For citizens from Hong Kong, Macau and Taiwan: a copy of Mainland Travel Permit for Hong Kong and Macau Residents, Hong Kong and Macau Compatriot Home-visiting Permit or Mainland Travel Permit for Taiwan Residents.

2. Evidence of permanent residence: (Any of the items below):

Copy of the Hukou card (book);

The water, electricity and gas payment voucher of the latest three periods;

The fixed-line telephone payment voucher of the latest three periods;

Dormitory evidence issued by the employer;

House Lease Contract (Agreement);

Self-owned property certificate;

Payment voucher for residential property management fee;

Residence certificate issued by the community office;

Credit card statements for the latest two months or the individual income tax payment certificate for the latest three months;

Other supporting documents which can testify to the permanent residential address.

3. Financial status documents (Any of the items below):

Regular payroll or income proof of the latest three months issued by governmental institutions or enterprises (company seal or department seal required);

Copy of passbook/statement for agency salary payment issued by the agent bank (with salary information of the latest three months);

Copy of individual income tax payment certificates for the latest three months;

Copy of withholding certificate for social security payment;

Copy of self-owned property certificate;

Copy of certificate/passbook of bank time deposit and current deposit;

Copy of purchase certificates for fund, T-bond and corporate bond (with the buyer's name, account number and account balance);

Copy of membership cards and the like, including: golf membership card, China Mobile/China Unicom VIP card, Air China platinum card, gold and silver membership cards, China Southern Sky Pearl gold and silver membership cards, Eastern Miles Club gold and silver membership cards and so on. (with cardholder name and validity of the card).

Customers can submit the application form to the counter of any Bank of China outlet or post it to: P.O. Box 808, Beijing 100037.

  • Great Wall RMB Credit Card App Form.rar
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