The Long Credit Card is a Long Card product.  It offers two currencies, and functions as a standard international credit card that can be used both at home and abroad.  It introduces a new consumption concept, and provides an easy way to manage your wealth.  The Long credit card gives you flexibility and convenience, making it your wisest choice in sophisticated living.

Features of the Long Credit Card

Two Currencies; For Use at Home and Abroad

The Long credit card is a standard international credit card that can be used both at home and abroad.  It offers two currencies; domestic transactions are settled in the RMB, and overseas transactions are settled in the US dollar.  The Long credit card may be used in 300 countries and regions across the globe, at over 30 million merchants, and at all ATMs and cash advance outlets within the network.  Overseas transactions are settled in the USD at favorable rates offered by MasterCard or VISA.  The Long credit card helps to avert the risk of carrying cash, and to reduce foreign exchange risks.   

Pay after Consumption

Payment may be made after consumption within the credit limit, and the grace period may be as long as 50 days.       

 Revolving Credit

The credit limit is based on the applicant¡¯s credit history, and may reach RMB 50,000.  Within the credit limit, the cardholder may make purchases or advance cash without approval procedures.  After a purchase or cash advance, the available credit will decrease, but paying down the balance will increase the available credit by the same amount.  In emergencies, the cardholder may apply for a temporary increase in the credit limit.

Pay Overseas Expenses with the RMB

After making purchases abroad, the cardholder may purchase dollars with the RMB to repay dollar debts.  The cardholder may choose to do so by phone or by scheduling direct deposits.  Complex procedures may be bypassed, and the amount limit on foreign exchange purchase is not applicable.

Select a Password

The cardholder may choose whether to use a password for purchases.  (According to international practice, it is not necessary to use a password when making a overseas purchase with a credit card.)  The password may be changed on a CCB ATM that offers the ¡°change your credit card password¡± function. 

 Apply for a Long Credit Card

Eligibility

Chinese citizens who are over 18 years old, and who are legally capable, as well as foreign citizens and residents of Hong Kong, Macau, and Taiwan who have a stable job and a residence in China, may apply for a Long Credit Card.  The primary cardholder may apply for up to three secondary cards for family members or friends aged over 13. 

No Guarantor or Security Deposit Required

The applicant is required to provide certain documents, but no guarantor or security deposit is necessary.

Apply for a Long Credit Card Online

Download an Application for the Long Credit Card

Please mail a completed application with required documents to the address listed (Click on the ¡°List of Addresses¡± on the left).  Please note ¡°Long Credit Card Application¡± on the lower left corner of the envelope. 

Easy Application; Card Mailed Home

To apply for a Long credit card, please visit a CCB outlet, log on to www.ccb.cn, or call our toll-free number 800-8200588 for an application.  After we approve your completed application, we will mail your Long card and password under separate cover.

Long Credit Card Service 

Toll-free 24-hour Service

CCB offers services at the toll-free number 800-8200588 24 hours a day, 365 days a year.  (Cell phone users or clients in areas where the toll-free number is not accessible may call 021-50504750).

Payment Methods

Schedule Direct Deposits 

In cities when we accept direct deposits, the cardholder can sign a contract to designate an account from which CCB automatically withdraws funds to pay the cardholder¡¯s Long credit card.  The designated account may be either a RMB or a USD account, and a RMB account can be designated to pay the USD balance on a Long credit card. 

2¡¢Purchase USD by Phone to Pay your Card

If you choose to purchase USD by phone to pay you credit card balance that occurred abroad, you must call our toll-free number for each payment, make a request to purchase USD with your RMB, follow the instructions, and deposit sufficient RMB into your credit card account at a CCB network before the due date.   

3¡¢Pay at a CCB Outlet

You can visit a CCB outlet that offers foreign currency services, and according to the due date, amount due and currency listed in your statement, deposit payment into your credit card account.  If you have multiple cards under the account, please deposit the right amount in the right currency for each card.  You can use this payment method when you pay your RMB balance in the RMB, or when you pay your USD balance in the USD. 

     Report a Lost Card and Zero Risk

If your card is stolen or lost, please call to report your loss.  After we confirm it, you are not held responsible for losses incurred.

    Emergency Assistance

If you have your card lost or damaged when you are abroad, you may call to request emergency assistance.  You may receive a replacement card or be authorized to advance cash.