CITIC Bank has been nicknamed the "iron rooster" by the outside world. Not only is the threshold for applying for a credit card of CITIC Bank relatively high, but it is even more difficult to increase the fixed amount after issuing the card. So today, Xiao Qin will share with you how to apply for a credit card of CITIC Bank and the skills of special withdrawal. As long as you master the method, you can still play around CITIC! Interested card friends watch it together!

1. Skills of applying for a card

1. Creating personal information

Many people have a misunderstanding when applying for a credit card. They think that they can apply for a card as long as their credit information is not overdue. This idea is all wet. Banks are snobbish, and only when you show their own value will they be willing to give you a card. Therefore, it is very important to do a good job of building the bank's attention before applying, and make use of thousands of working capital to create an effective flow of interest settlement of savings cards.

There are many types of credit cards issued by China CITIC Bank, so the applicant should choose the card type according to his own conditions. If the conditions for applying for a card are not very favorable, it is recommended to choose a general card or a card promoted by a bank, so that the success rate of applying for a card will be higher. On the other hand, if you have better conditions, you can choose higher-end cards, such as platinum cards.

3. Card processing

For card processing, if you have large-value cards from other banks that have been used for more than half a year, you can use the large-value cards in your hand to process CITIC's large-value cards. It should be noted, however, that the credit card handled by card handling is only suitable for local cardholders with CITIC Bank outlets, and the personal debt ratio is also critical. It is best for cardholders with high debt ratio to apply after reduction.

2. Withdrawal skills

1. Most merchants in CITIC have points, so there are not many restrictions on credit card merchants, as long as the consumption habits reflected in the bill are "true and reasonable"

2. The amount of credit card has little influence, but it needs to be reasonably matched with credit card merchants as far as possible;

3. Once in a while, it can be staged to increase the contribution value and improve the comprehensive score;

4. Don't make the minimum repayment, because the minimum repayment will do great harm to the withdrawal amount;

5. More activities of CITIC Credit Card APP will increase the contribution value and activity, and improve the comprehensive score;

6. It doesn't matter if the card is empty, but it must be returned 2% in advance before the bill is issued, and the card bill cannot be empty;

7. CITIC Bank likes foreign currency consumption very much, but it must be combined with card-raising technology. Then, whether offline or online, as long as the consumption is recorded in real foreign currency, the effect is the best. Online consumption of large currencies, such as US dollars, British pounds, and euros, is generally more likely to be fixed; Online consumption of small currencies is more likely to be temporary;