Whether the credit card line is occupied by the collateral loan of CITIC Bank is related to the temporary line:
There is a temporary restriction:
If you already have a temporary credit line when handling the loan from CITIC Bank, as long as your loan line does not exceed the temporary credit line, the credit card line will not be occupied by the loan from CITIC Bank.
Of course, if the amount you borrow exceeds the temporary limit, the excess will naturally occupy the credit card limit.
No temporary restrictions:
If you don't have a temporary credit line when you apply for a loan from CITIC Bank, the credit line of your credit card will be occupied by the loan from CITIC Bank. But as long as you pay back the money on time every month, the quota will naturally recover.
In fact, when you apply for a loan from China CITIC Bank, the notice page sent by the system will not only write down the loan amount, but also tell you how much of the loan amount does not occupy the credit line. You can know whether the loan amount you apply for will account for the credit card amount on the page showing the loan amount.
The above is Bian Xiao's question about "Does CITIC Bank occupy the credit card limit with loans?" The answer. Whether CITIC Bank occupies the credit card line with the loan is related to the temporary line. If there is no temporary limit when handling the loan, it will occupy the credit card limit. If there is a temporary limit, when your loan limit is lower than the temporary limit, you will not occupy the credit card limit.
Credit card:
Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.
Credit card is a non-cash transaction payment method and a simple credit service.