Service Brand

Licaitong Card Functions

Service Introduction

Multiple accounts in one card, multiple cards for one account, time and demand deposit management, smart overdraft, remittance on agreed conditions, personal loans, CRS real-time deposit, ATM withdrawal and transfer, online banking, telephone banking, universal deposit and withdrawal, collection and payment on agency basis, and consumption at merchants

Service Features

Multiple Accounts in One Card

Current and time deposit accounts in RMB, USD and HKD in one card.

Multiple Cards for One Account

An account may have main card and additional card and the main card holder decides the credit limit and duration of the additional card. A joint account may have several joint cards. In case of spending or cash withdrawal, all joint card holders need to enter their passwords,It is very suitable for family, stores and small enterprises where joint account management is required.

Financing Management on Fixed and Current Account

 ¡°Automatic Transfer from Current to Lump Sum Deposit and Withdrawal¡± (hereinafter referred to as ¡°Current to Lump Sum¡±): ¡°triggering amount¡±, ¡°reserved amount¡±, and fixed deposit term will be set. When the deposit amount in your current account of Licaitong Card reaches the agreed ¡°triggering amount¡±, balance after deduction of ¡°reserved amount¡± will be transferred from your current deposit to be lump sum deposit and withdrawal with agreed term. ¡°Current to Lump Sum¡± may automatically schedule your capital in current account so as to solve the troubles for you to manage your accounts.

 ¡°Automatic Transfer from Lump Sum Deposit and Withdrawal to Current¡± (hereinafter referred to as ¡°Lump Sum to Current¡±), which is more convenient for payment: If you have already signed contracts with our bank to process such non-OTC (Over-The-Counter) businesses as repayment for personal loan, repayment for credit card, and withholding payment, and the balance of your current account is not enough for deduction, the outstanding part of payment will be deducted from your account of lump sum deposit and withdrawal. If such time deposit is not due upon the deduction date, the amount for deduction will be deemed as early partial withdrawal of the time deposit, and the amount will be equal to sum of principal withdrawn and current interest; otherwise, if such time deposit is due upon the deduction date, the amount for deduction will be deemed as due partial withdrawal of the time deposit, and the amount will be equal to sum of principal withdrawn and time interest corresponding to the principal withdrawn, which may ensure that the automatic withholding business processed by you with contract will be conducted smoothly.

Time and Demand Deposit  Management

The cardholder can set the threshold and minimum reserve in the demand deposit account. Once the demand deposit balance reaches the threshold, the part above the minimum reserve will be converted into time deposit. When the demand deposit balance is insufficient for client spending or cash withdrawal, the bank, according to the agreed principle of latest deposit goes first or minimum interest loss, will automatically transfer the time deposit by the hundreds to the demand deposit account.

Personal Loans

The cardholder can handle with CGB such personal loans as housing loans and car loans at the credit limit and interest rate stipulated by the People¡¯s Bank of China and this bank.

CRS Real-Time Deposit

The cardholder can use the Cash Recycling System (CRS) for real-time deposit.

ATM Withdrawal and Transfer

The cardholder can handle withdrawal, transfer, password reset and balance inquiry on CGB¡¯s ATM and withdrawal, transfer and balance inquiry on ATMs with UnionPay logo.

Online Banking

The cardholder can apply for such online banking services as online wealth management and online payment.

Telephone Banking

With card number and password on hand, the cardholder can dial the telephone banking service number and follow the operator messages to inquire account balance and transaction details, fax statement of account and transfer funds.

Universal Deposit and Withdrawal

The cardholder can deposit and withdraw cash on real-time basis at any branch and subbranch of our bank across the country.

Collection and Payment on an Agency Basis

Organizations and individuals can entrust CGB by signing an agreement to pay salaries and various charges.

POS consumption

The cardholder can use the card for consumption on any POS terminal with the UnionPay logo.