If you have a CCB car card and meet certain conditions, you can get a preferential car wash. As for car washing, CCB's website reads: "Car card customers can enjoy preferential car washing service once a week at designated car washing outlets as long as their car card consumption meets certain conditions. When the retail price of car wash service is equal to or lower than 15 yuan, customers can enjoy car wash service for free; When the retail price of car wash service exceeds 15 yuan, the excess will be paid by customers with car card points (the conversion ratio is 4‰, that is, every 1000 points will be converted into 4 yuan RMB), and when the balance of points is insufficient, it will be paid in cash. "
In other words, if your car wash fee at the local car wash point is lower than 15 yuan, you don't need to pay extra. If it exceeds 15, the excess will be deducted, and if there is no score, cash will be paid. For example, the car wash fee at your car wash point here is 20 yuan, so you can use 1250 points to pay the extra fee. As for your local car wash and how to charge it, it is clearly written on their credit card website, so you can check it yourself.
You can log on to the credit card website of CCB and select "High-end Products" in the page. You can click on the car card with the "auto" logo on the black card surface on the far right, and the car card page of CCB will pop up. Then you select "Inquire about national car wash outlets and integral oil change methods" at the top right, and a page will pop up. Then you choose your province and city. After the page pops up, you can click on the car wash outlet to query. The charge for the car wash shop is very clear. Take a look for yourself, pick a car wash point not far from you, and you can wash it without adding money or points.
A new way for Henan rural credit cooperatives to issue cards: 6 rural commercial banks can handle credit cards.
At the beginning of June, Henan Rural Credit Cooperatives officially released the credit card brand. The first six participating rural commercial banks were Zhongmu Rural Commercial Bank, Xinzheng Rural Commercial Bank, Lankao Rural Commercial Bank, Luoyang Rural Commercial Bank, Yichuan Rural Commercial Bank and Taiqian Rural Commercial Bank.
At present, the application channel is the business outlets of the above six rural commercial banks. The reporter called the customer service of Henan Rural Credit Cooperative and said that customers need to fill in the paper application form at the bank counter, and the online application channel has not yet been opened.
According to the data, Henan Rural Credit Cooperative was approved by Henan Banking Regulatory Bureau in September 20 17. There are four kinds of credit cards issued this time: ordinary card, gold card, platinum card and diamond card, which are unified brand credit cards with comprehensive functions such as consumer payment, installment payment, transfer settlement, cash deposit and withdrawal, and flexible credit granting.
Wang Yong, Party Secretary of Henan Rural Credit Cooperatives, told the media that Henan Rural Credit Cooperatives have 139 legal entities and 5,202 business outlets. By the end of April 20 19, the balance of various deposits had reached 1.43 trillion, accounting for 20.84% of the banking financial institutions in the province; The balance of various loans reached 868.9 billion yuan, accounting for 16.92% of the banking financial institutions in the province. It is the largest local financial institution in the province with the largest number of institutional outlets and the widest service area.
Industry insiders told reporters that issuing credit cards by financial institutions in rural areas can supplement the shortage of small consumer loan products, but considering the controllable risks, it is expected that only people with stable income in cities and towns will be issued cards in the initial stage.
At the beginning of this year, the China Banking Regulatory Commission issued the Opinions on Promoting Rural Commercial Banks to Stick to Positioning, Strengthen Governance, and Enhance Financial Service Capability, requiring rural commercial banks to focus on serving the local area. In principle, institutions shall not leave counties (districts) and their business shall not cross counties (districts).
"On the one hand, regulatory policies restrict the geographical scope of small and medium-sized banks, which makes the credit business of city commercial banks and rural commercial banks subject to different degrees of geographical restrictions; On the other hand, it has set the tone of "serving small and micro, continuing to sink" for small and medium-sized banks. City commercial banks and rural commercial banks can already compete with big banks with policy support. " The Research Report on Financial Technology Development of Small and Medium-sized Banks (20 19) points out that city commercial banks and rural commercial banks have both advantages and disadvantages in regional competition. The report was jointly written and published by Internet Finance (Shenzhen) Alliance of Small and Medium Banks, Shenzhen Yitong Intelligent Technology Co., Ltd. and Accenture (China) Co., Ltd.
According to a recent report released by 10 think tank, the balance of personal loans of rural commercial banks has increased year by year. By the end of 20 16-20 18, the compound annual growth rate (CAGR) of individual loan balance of listed rural commercial banks all exceeded 10%, among which Sunong Bank and Zhangjiagang Bank had the fastest growth, with CAGR of 59.75% and 45. 13% respectively. Personal loans are an important part of total loans, accounting for one third. Among the listed rural commercial banks, the top three are Changshu Bank (5 1.02%), Chongqing Rural Commercial Bank (34.96%) and Qingnong Commercial Bank (27.56%).
However, it is still a difficult problem for financial institutions in rural areas such as rural commercial banks to do a good job in personal loan business. Problems such as imperfect credit record, poor credit awareness and unstable personal income increase the difficulty of risk control in retail loan business.
According to the data of China Banking Regulatory Commission in the first quarter, the NPL ratio of rural commercial banks has reached 4.05%, far exceeding the industry average of 1.80%.
The Research Report on the Development of Financial Technology in Small and Medium-sized Banks (20 19) points out that the main problem of risk control in small and medium-sized banks is that due to the regulatory requirements, small and medium-sized banks mainly invest their technical strength in the fields of credit rating, anti-fraud and anti-fraud, but pay insufficient attention to risk control during and after lending, resulting in the lack of monitoring in lending and a relatively high loss rate of collection.
At the same time, a number of rural commercial banks are also actively accelerating cooperation with financial technology enterprises to improve their capabilities in marketing, risk control and data. Among the rural commercial banks that have disclosed their annual reports, Sunong Bank cooperates with mutual financial companies such as Jingdong Finance, Tencent Weizhong Bank and 360 Finance to try an intelligent business model and form a financial ecosystem with online drainage and online and offline services through online and offline integration. Chongqing Rural Commercial Bank cooperated with Ant Financial to introduce the intelligent risk control system of Ant Shield Risk Brain into its "smart bank". Heilongjiang Rural Credit Cooperative Union cooperated with Yitongtong to develop cloud electronic accounts, mobile banking and direct banking, and gradually promoted them in corporate banks under its jurisdiction, using financial technology to enhance the service capabilities of traditional banks.
Disclaimer: The operation suggestions in this paper only represent the views of third parties and have nothing to do with this platform. Investment is risky, so be cautious when entering the market. Deal with it accordingly at your own risk.
Where is Ping An Bank in Yichuan County?
If there are no bank outlets temporarily, you can query the distribution of bank outlets in the following ways:
1. Download the Pocket Banking APP, Credit Card-More-Card Service-Network Map, and make inquiries;
2. Click on Ping An Bank outlets to inquire.
Longka Yichuan car wash point query
You can check it through the CCB credit card website.
The specific path is: Website Home-Card World-Car Card (leftmost one)-National Car Wash Shop and Integral Oil Change Method Inquiry (upper right)-Select Province (Henan Province)-
Click View on "Dragon Truck Car Wash Network Query"-you can find it after downloading the form.
How to apply for Everbright Credit Card when working in Yichuan?
Applicants can apply for credit cards at the counter of local bank outlets with their ID card and proof of work income. It is recommended to provide proof of property such as garage when applying, which is conducive to increasing the quota.
Is there a place to handle credit cards in Yichuan County?
Hello, my friend wants to apply for a credit card. Depending on what kind of credit card you need, all major banks can apply for it. He has a credit card as long as he goes to the bank.
So much for the introduction of Yichuan Credit Card.