Will the credit limit increase when upgrading from CITIC Bank’s regular credit card to platinum card?
Yes, it is possible to increase the limit when upgrading to the Platinum Card from CITIC Credit Card, and the limit of the CITIC Bank Platinum Card is generally above 50,000 yuan. The limit of CITIC Bank's regular card is 3,000-10,000 yuan, and the limit of gold card is 10,000-50,000 yuan. Therefore, whether you upgrade from a regular card to a platinum card, or from a gold card to a platinum card, the limit will not be lower at least. At 50,000. If the user's CITIC credit card is upgraded to a platinum card and the user meets the conditions for a limit increase, the card limit will also be increased during the card upgrade process. If the user does not meet the conditions for limit increase, then the limit may not change after the card is successfully upgraded. Therefore, upgrading the card does not necessarily increase the limit. If you upgrade your CITIC Bank credit card invitation to a platinum card, the limit will generally increase. However, if your platinum card limit increases, you can also apply for a limit adjustment in the future. In this case, if the platinum card has an annual fee, you can cancel the platinum card and use a gold card. , No, but after upgrading to a platinum card, it will be easier to increase the limit than a regular card. For a platinum card, the annual card fee is indispensable, but you can use points to redeem it. If the regular card has a 50,000 limit, there is no need to upgrade to platinum. I'm stuck, those many rights don't seem to be of much use.
Whether the card can be used to increase the limit is related to whether the user is eligible for the limit increase submission. The system will determine whether the user's card can be used to increase the limit based on the user's card usage and repayment status. When upgrading a CITIC Bank regular card to a platinum card, the credit limit may not necessarily be increased, because upgrading the card level has nothing to do with the credit limit, but the cardholder can enjoy the corresponding platinum card rights and needs to bear the platinum card annual fee.
It is understood that it is difficult to increase the limit of CITIC Bank. The bank will evaluate the cardholder based on the card usage and financial strength. If the limit increase standard is met, the limit will be increased. Otherwise, the limit will not be increased. In addition, many card friends have reported that CITIC Bank will not increase the credit limit when upgrading from a regular card to a platinum card, just to cover the annual fee, which is not cost-effective. Upgrading a CITIC Bank credit card to a platinum card will increase the limit.
Upgrading a CITIC credit card to a platinum card can increase the limit. If you use the card well, it is not overdue, and you have made certain contributions (installments and cash advances), you can upgrade. There may be a certain level of credit increase after you get the platinum card. And the limit of CITIC Bank Platinum Card is proposed to be more than 50,000 yuan. The limit of CITIC Bank's regular card is 3,000-10,000 yuan, and the limit of gold card is 10,000-50,000 yuan. Therefore, whether you upgrade from a regular card to a platinum card, or from a gold card to a platinum card, the minimum limit will not be lower than 50,000.
China CITIC Bank’s method of increasing the limit is to go to high-end merchants, retain 30% of the limit, and repay in full as soon as the bill comes out. Remember that it is best to repay the money on time and in full, which will cause certain adjustments in the limit. help.
Extended information:
Repay on time: After using a credit card, be sure to remember to repay on time. Once it is overdue, it will not only result in a bad credit record, but the bank will also charge overdue penalty interest.
Don’t swipe your credit card too frequently: Some people use credit cards frequently and the intervals between card swipes are short. Such behavior can easily be risk controlled by banks.
The three pieces of information on the card must be protected: these three pieces of information are the validity period, and CVV2 security code. These pieces of information play a vital role in the security of using the card, so they must be protected. This information will not be leaked. If you swipe your card on the day after the statement date, you will enjoy the longest interest-free period of the credit card. Before the repayment date, the funds can be invested in highly liquid financial products to earn income.
What are the benefits of upgrading your CITIC Credit Card to a Platinum Card?
Upgrading your CITIC Credit Card to a Platinum Card will not only allow you to get a higher credit limit, but also enjoy more benefits.
The benefits are as follows:
1. Higher overdraft limit: The limit of a regular card or a gold card is basically capped at 50,000 yuan, and the limit in most cases is upgraded to a platinum card. It will be more than 50,000 yuan.
2. Enjoy more rights and interests: After upgrading to platinum card from CITIC Credit Card, you can enjoy more rights and quality services.
The platinum credit card enjoys more benefits than the gold card. In addition to the functions of the gold card, the platinum card can also enjoy VIP privileges at global airports, VIP channels at branches and outlets, comprehensive and high-value insurance protection services, alcoholic driving and road services. Value-added services such as rescue services, Platinum Card exclusive points plan, Platinum Card preferential merchants, many free exclusive services and Platinum secretarial services.
3. Enjoy the privileges of platinum cards: CITIC Bank has launched privileged services for platinum cards, which can only be enjoyed by users with platinum cards or above. Platinum card customers can choose services including: golf, health and medical services and car services.