How to apply for a CITIC Bank credit card? What are the conditions

Application conditions: Be a resident of mainland China who is over 18 years old; have a stable address and work or business location; have a stable source of income; have no bad credit record, and the purpose of the loan It cannot be used for stock trading, gambling, etc. , other conditions required by the bank. Processing process: Submit an application to a local bank or lending institution; Prepare various materials required for a loan; Interview with a bank or lending institution; Bank reviews the lender's qualifications; Pass the review and successfully grant the loan.

Can I get a loan with a CITIC Bank credit card? The answer you want is here!

Today, when credit cards are very popular, most young people have 1-2 credit cards of their own. When many people are in urgent need of cash, they often have this question: Can I get a loan with a CITIC Bank credit card? Today I will introduce the relevant content to you.

CITIC Bank credit cards are available for loans. CITIC Bank Credit Card can provide you with 3 types of loan products, which are suitable for different loan groups. Now I will introduce these three loan products to you in detail.

Xinjinbao

Xinjinbao is a loan product specially designed for users who do not have a CITIC Bank credit card. The loan terms of this product are 6, 12, 24 and 36 months, with monthly interest rates around. There are only four steps in the application process for this product: (1) Fill in the credit card application information online; (2) Spend a day waiting for review; (3) Go to a CITIC Bank outlet to verify your identity; (4) Wait for notification to withdraw cash.

Cash installment

Cash installment is a loan product provided for long-term loan users. The credit period is up to 36 months. No materials or mortgage are required. You can apply with a CITIC Bank credit card. Cash installments are billed monthly on a daily basis. Friends who need it can apply through the CITIC Bank Credit Card WeChat official account and Dongka Space APP.

Suibeijin

Suibijin is a loan product provided for short-term loan users, which can be borrowed and repaid flexibly. Under normal circumstances, it takes one minute to submit a loan application and you can get a loan in about 30 seconds. You can handle it at any time through the CITIC Bank Credit Card WeChat official account and Dongka Space APP.

Can I apply for a loan with a CITIC Bank credit card?

CITIC Bank can lend. However, the following conditions need to be met:

1. Provide loan information required by the bank. Borrowers need to provide supporting documents such as ID card, proof of residence, proof of employment, proof of income and proof of loan purpose.

2. Submit a formal loan application to China CITIC Bank. Borrowers go to bank branches to apply and submit information. If conditions permit, they can also fill out a loan application online.

3. The bank’s repayment ability to the borrower. After filling out the loan application, the bank will generally review the relevant circumstances of the borrower and guarantor. If the loan conditions are met, the bank will notify the borrower to go to the bank again to fill in various loan forms.

4. Go through the mortgage guarantee procedures. Including guarantee contracts, mortgage contracts, etc., and handling mortgage registration related procedures.

5. The bank lends money in accordance with the loan contract.

Extended information:

CITIC Bank’s loan types

1. Personal real estate mortgage loans

Provide professional services for household consumption and business financing Services, providing users with five major product services: house mortgage loans, real estate mortgage comprehensive credit, sequential loans, net worth loans, and property redemption loans.

2. New car consumer loans

Customers purchasing new cars can apply directly at the dealer for convenient and efficient approval

3. Used car consumer loans

Customers purchasing second-hand cars can apply directly for approval. High-efficiency and ultra-low down payment: the minimum is only 50% of the car price. Extra-long term: up to 3 years. Rich choices: many cooperative brands and flexible loan methods

4. Financial assets

Customers who hold financial assets such as certificates of deposit, treasury bonds, and wealth management. One-time credit limit is used repeatedly. Full coverage of financial assets.

Asset appreciation while supporting liquidity