Usually not. When handling CITIC Platinum Card, customer service MM asked many questions, such as birthdays, emergency contacts and so on. I answered directly that I would not read the application form myself. I can't handle it. I don't want it yet! I hung up, but I didn't expect to receive the card a week later.

This needs no explanation. Even if you call, it may not be the customer service staff who came to the door at that time. So, don't worry, if you are wrong, it doesn't matter. You can submit it again. Moreover, their audit is also a comprehensive credit review.

Yes, you can. If you want to withdraw cash with CITIC's credit card, you need to pay a handling fee of 3% first, which is not lower than that in 30 yuan, that is, you need to pay a handling fee in 30 yuan (it is said that CITIC is engaged in activities now, and some users only want 2 yuan, so I wonder if your card is within this preferential range). In fact, you need to pay 0.5 ‰ interest every day, that is, 4 cents a day, 30 days interest 12 yuan.