CITIC Bank and Mao Danglao jointly launched the first exclusive co-branded card of McDonald's brand. Cardholders can enjoy exclusive discounts in McDonald's restaurants all over the world, such as receiving free Happy Paradise meals every month when consumption reaches the standard. Many users are very interested in this card.

what is the annual fee for the joint credit card of China CITIC Bank and McDonald's?

citic bank McDonald's co-branded credit card is a unionpay platinum card, and the annual fee for the main card is no card in 48 yuan. Although this credit card is positioned as a platinum card, it can also enjoy the annual fee reduction and exemption, and the annual fee can be reduced by the number of swipes. Cardholders can reduce the annual fee for the following year as long as they spend 12 times in the same year.

However, the annual fee of CITIC Bank is calculated from the card opening date, and the annual fee deduction time is 6 days after the card opening date. To this end, the cardholder must meet the conditions of reducing the annual fee by swiping the card within the annual fee cycle, otherwise the annual fee will be generated, not the annual fee deduction date.

CITIC Bank McDonald's co-branded credit card limit:

CITIC Bank McDonald's co-branded credit card is a UnionPay platinum card. However, if the application fails, the credit card application platform will re-examine it according to the grades of gold card and ordinary card. If it passes the examination, it will issue a gold card or ordinary card. Therefore, users can regard this kind of credit card as ordinary card, gold card and platinum card. CITIC Bank has different credit card quotas at different levels. The maximum credit card quota is 1, yuan, the gold card quota is between 1, yuan and 5, yuan, and the platinum card quota is more than 5, yuan.

however, in fact, the credit card limit will be lower than these standards, especially for online credit cards, and the credit limit will not be very high. The specific credit limit will be subject to the final initial credit granted by the bank. If users want to increase the credit card limit of CITIC Bank McDonald's co-branded credit card, they should spend more by swiping their credit cards and swiping a large amount, with each amount not exceeding 3% of the credit limit, and then repay the loan on time or in advance, which may lead to an increase in the amount: they can do bill installment or cash installment business for several times, with the number of installments being more than 12, and the amount can be increased soon after completion.

It can be seen that the credit card quota is linked to the card level, and the specific quota needs to be awarded according to the user's qualification. However, the credit card quota is not as high as possible, so users had better not blindly pursue high quota, otherwise it is easy to overdraw and eventually be unable to repay.