What is the general limit of CITIC Bank Platinum Card?
Hello, the limit of CITIC Bank Platinum Card is 10,000-50,000 yuan. The credit card limit is the bank’s comprehensive score based on the information submitted by the applicant. Given, the reference items include age, gender, unit, income, position, housing, education, marriage, real estate, professional titles, credit record, personal financial assets, etc. One score segment corresponds to one result, and the card is never approved. To approve the card, from low limit to high limit. After using the credit card for a period of time, the limit may be reduced, or you can apply to increase the limit.
What is the starting limit of CITIC Platinum Card?
The limit of CITIC Bank’s Platinum Credit Card is generally 10,000-50,000. The credit card limit mainly depends on the personal qualifications of the card applicant. A comprehensive score is given based on the information submitted by the applicant.
When applying for a credit card, provide as much proof of your financial resources as possible. Having good credit will also be helpful for approval of a higher credit limit.
On the basis of integrating diversified services and functions, CITIC Bank’s Platinum Credit Card provides target customers with value-added product rights that match their characteristics.
CITIC Bank:
The nature of CITIC Bank: The full name of CITIC Bank is China CITIC Bank Co., Ltd. It was founded in 1987 and was originally called CITIC Industrial Bank. It was changed to CITIC Bank at the end of 2005. . CITIC Bank is one of the national commercial banks, headquartered in Beijing, and its main shareholder is CITIC Corporation of China. ”
CITIC Bank (CHINACITICBANK), formerly known as CITIC Industrial Bank, was founded in 1987 and changed to its current name at the end of 2005. CITIC Bank is one of China’s national banks and is headquartered in Beijing. Banco Bilbao Vizcaya Argentaria , S.ABBVA) spent 501 million euros (approximately HK$5.02 billion) to purchase 5% of China CITIC Bank’s equity, and also had the option to increase its shareholding in China CITIC Bank to 10.07%. On April 27, 2007, China CITIC Bank was in Shanghai. Listed on the stock exchange. CITIC Bank is the seventh largest bank in mainland China, with total assets of more than 1.2 trillion Hong Kong dollars, more than 16,000 employees and more than 540 branches. It is the six largest bank in Hong Kong's Chinese financial stocks. 1.
Establishment background
At the end of 1984, with the needs of economic development, China International Trust and Investment Corporation (referred to as CITIC Corporation) fully operated foreign exchange banking business. The bank agreed to establish a banking department first to expand its foreign exchange banking business and prepare for the establishment of the bank.
In April 1985, CITIC Corporation established a banking department based on the original finance department to further expand. In the two years since the Banking Department was established, it has received strong support and help from the People's Bank of China and the State Administration of Foreign Exchange, and its business has progressed. Soon, we have accumulated certain experience through handling RMB and foreign exchange deposits, loans, import and export issuance, international leasing, securities and foreign exchange transactions, foreign currency exchange and other businesses, and have initially met the conditions for establishing a bank.
At the end of May 1986, CITIC Corporation applied to the People's Bank of China to reorganize the Banking Department of CITIC Corporation into CITIC Industrial Bank.
In early 1987, with the approval of the State Council and the People's Bank of China, the head office of CITIC Bank was officially established. Located in Beijing.
In April 1987, the People's Bank of China approved CITIC Bank as a state-owned comprehensive bank affiliated with CITIC Corporation and an independent legal person with a registered capital of RMB 800 million. It can operate independently, conduct independent accounting, and be responsible for its own profits and losses. It can set up branches at home and abroad to operate approved banking services.
CITIC Platinum Credit Card Limit
The credit limit of CITIC Bank Platinum Card is generally . Above 50,000 yuan, the specific amount is not fixed and mainly depends on the applicant's personal qualifications. CITIC Bank will give a corresponding amount based on the comprehensive score based on the information submitted by the applicant. , the main reference items include the applicant’s age, employer, income, position, housing, education, marriage, real estate, professional title, credit record, personal financial assets, etc.
The annual fee for CITIC Bank Platinum Credit Card is 480. Yuan, the annual fee for the supplementary card is 240.
In addition, China CITIC Bank’s i Platinum Card provides annual fee-free services. You only need to swipe the card 12 times to waive the annual fee for the current year, and you can also exchange points for the annual fee with 60,000 points.
If you swipe your card or withdraw cash once within 30 days of card approval, you will be exempted from the annual fee for the first year. If you swipe your card or withdraw cash a total of 5 times within a year, you will be exempted from the annual fee for the next year. No fees will be charged if the credit card is not activated (note: CITIC Infinity Credit Card, Air China World Credit Card, Platinum Credit Card, Magic Titanium Card, and Annual Fee Package Card are excluded).
The limit of CITIC Bank's regular credit card is generally between 3,000 and 10,000 yuan, the limit of gold card is between 10,000 and 50,000, and the limit of platinum credit card is generally between 50,000 and 500,000. CITIC Bank Credit Card Center officially issued CITIC Credit Card on December 8, 2003. CITIC Bank also provides users with supporting credit card services, such as a 24-hour global 800 toll-free customer service hotline. CITIC Bank credit cards have nearly 20 repayment methods, including automatic transfer, cash repayment at the counter, self-service terminal repayment, telephone banking transfer, etc. The CITIC Bank Credit Card Center has also launched services such as "Cinpay Terminal Repayment" and "Lakala Convenient Payment". Application conditions: Domestic users should be between the ages of 18-65, and overseas users should be between the ages of 25-65; users need to have a stable job and a fixed residence; and have no bad credit record. In addition, you need to provide identity proof information, employment and income proof information when applying.
Methods to increase the credit limit:
1. Don’t forget to swipe your card anytime, anywhere. During the period of using the card, make a lot of purchases with the card. Try to choose stores with credit cards for food, clothing, housing and transportation. The more frequently you use it, you will have a relatively stable monthly consumption limit. You just change the original habit of cash consumption to credit card consumption. This shows your loyalty to the bank. The bank's information system will count the user's card swiping frequency and credit limit, and will automatically increase the user's credit limit in about half a year.
2. Repay your loans on time and maintain good credit. If you owe money, you must pay it back, and you can only borrow money if you need to exchange it. Banks also strictly follow this ancient truth. If the user does not change the payment on time and does not repay the loan on time, he will definitely have no credit. It is best to repay the loan in full instead of just the minimum repayment amount. The recurring interest will be unbearable for the user.
3. Take the initiative to apply for an increase in your credit limit. After using the credit card normally for half a year, the user can actively submit a written application or call the service to adjust the credit limit. The bank needs approval. Under normal circumstances, the user's credit limit will be increased to a certain extent after reviewing the consumption record and credit record.
What is the starting limit of CITIC Platinum Card
CITIC Bank’s platinum credit card limit is generally above 50,000.
1. Currently, China CITIC Bank offers a wide variety of credit cards, among which platinum cards are very popular. As far as we know, the amount of credit cards is average, and each type of credit card is different. The limit of CITIC Bank Platinum Credit Card is 10,000-50,000. You can get a credit card with a minimum of 3,000 yuan and a maximum of 100,000 yuan. It mainly depends on the amount of the credit card and personal quality. , does not mean that the specified amount must be what it is. When applying, provide financial evidence if possible, such as real estate certificates, motor vehicle license plates and other property in your name. In addition to financial resources, you should also consider the nature of your job and income. In order to meet the requirements and give you a large credit card, this is a very important overall score.
2. When you obtain a CITIC Platinum Credit Card, you should first use the card for overdraft consumption and maintain a good repayment record. After a period of time, you can apply for the amount from the bank and submit some other valid financial certificates to help approve the application amount. If you want to use your credit card quickly, you can use it often and spend it anywhere, regardless of the amount. It is best to submit consumption bills accounting for at least 30% of the total amount every month. Credit card consumption requires 3 consecutive months of bills without interruption, that is, consumption must be made every month.
3. Regarding CITIC’s credit cards, the amount of the gold card is not much different and can be used for a period of time. The amount of the gold card is higher than that of the platinum card. The amount of CITIC Bank Credit Card Platinum Card is generally 10,000 to 20,000 pieces, and the specific amount is determined based on individual application qualifications. CITIC Bank's credit card limit is determined based on the applicant's financial status and credit status. There are many factors for reference, such as the customer’s work nature, educational background, income, personal stability, personal assets, personal social credit and use of other financial products. If you're not satisfied with your credit card limit, you can request an adjustment after using it for a period of time.
: In 1999, CITIC Bank officially launched the CITIC Debit Card, which enables nationwide, bank-wide and UnionPay connections. One card has multiple accounts, one card has multiple functions, and one card has multiple uses. "Licaibao" is favored by the market for its advantages in compound intelligent financial management, and has been officially approved as a national registered trademark by the State Administration for Industry and Commerce, becoming the first registered trademark in the field of financial services.
This ends the introduction about the credit limit of CITIC Platinum Credit Card and the general starting limit of CITIC Platinum Credit Card. I wonder if you found the information you need?