What are the requirements for applying for a CITIC Bank credit card?

The application conditions for a CITIC Bank credit card are: 18-60 years old can apply for the main card, 16-65 years old can apply for the supplementary card; applicants must hold Have valid identification documents such as ID card or household registration book; the applicant has a stable source of income and can provide proof of employment stamped with the official seal of the unit; if self-employed, a valid business license; the applicant has good economic conditions and can provide a certificate issued by the unit Proof of financial resources such as income certificate or bank deposit certificate.

:

On December 8, 2003, CITIC Bank Credit Card Center officially issued CITIC Credit Card. As of the end of October 2006, the cumulative number of cards issued had reached nearly 2 million, ranking first in the country. At the forefront of the banking industry, CITIC Platinum Credit Card ranks first in the country in terms of card issuance volume, initially establishing its position and brand image in China's credit card market.

CITIC Bank Credit Card has always been aimed at serving the public, and has applied credit cards to better serve the public. Many people who have used credit cards know that credit cards are very convenient and can be used not only in large shopping malls and supermarkets in China. , and can even be used in some foreign consumption places. Credit cards greatly facilitate the general public and allow banks to gain more profits from them.

CITIC Bank credit card is one of them, but when using CITIC Bank credit card, you need to pay attention to several issues.

The first thing is to develop good consumption habits and avoid brushing off all the credit limit without restraint. The use of credit cards is because on some occasions, when the cash and bank cards on you cannot be used for normal payment, you can use the credit card. Be able to use credit cards. CITIC Bank credit cards have a certain limit. Generally, high-quality customers will have a higher limit.

Another thing to note is that when using a CITIC Bank credit card, you must repay on time. Repaying on time is a sign of a person's responsibility. If the cardholder cannot guarantee timely repayment, it is best to Don't use credit cards.

The CITIC Platinum Card will charge an annual fee after the regular card is upgraded to a Platinum Card, and it cannot be offset with points, and it will be deducted after the user confirms the upgrade, regardless of whether you open the card (Platinum Card). CITIC Bank Credit Card Center is a business department established by CITIC Bank Head Office in Shenzhen to conduct centralized operations, independent accounting, corporatization and professional management of credit card business.

CITIC Bank provides a number of financial services and can provide loans to all walks of life. Personal credit loans account for a large proportion of CITIC Bank’s loan business. In many cases, personal credit loans can be applied for installment payment , if the cardholder’s current bill amount reaches more than 800 yuan, he or she can apply for interest-free installment payment.

However, the bank’s re-installment requirements cannot be used for purchases that have been made in shopping malls and have been made after a single installment.

It should also be noted that holders of CITIC Bank credit cards can apply for interest-free installments within three working days from the current statement date to the repayment date.

If an individual wants to use the payment method after installment, he cannot change it again after determining the number and amount of installments. This requires attention. In addition, be sure to repay the loan on time to avoid creating more bad credit.

CITIC Bank Credit Card Application Conditions

CITIC Bank’s credit card application requirements are as follows:

1. Applicants must be over 18 years old and have full capacity for civil conduct. ;

2. Have a legal and stable job and income;

3. The applicant has no bad credit record and good credit status;

4. Need to provide The applicant’s valid identity document and proof of work and income (proof of real estate, deposit and vehicle ownership can be provided if conditions permit).

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 commercial banks, headquartered in Beijing.

The major shareholder is CITIC Corporation of China. Spanish Bank of Spain (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 has the option to increase its shareholding in China CITIC Bank to 10.07%. On April 27, 2007, CITIC Bank was listed on the Shanghai Stock Exchange.

CITIC Bank is the seventh largest bank in mainland China, with total assets of more than HK$1.2 trillion, more than 16,000 employees and more than 540 branches. It is one of the six lines and three guarantees for Chinese financial stocks in Hong Kong.

On May 9, 2020, the Consumer Rights Protection Bureau of the China Banking and Insurance Regulatory Commission reported that in March 2020, China CITIC Bank provided personal bank account transaction details to a third party without the customer’s authorization. , violating the principle of confidentiality for depositors. Our bureau will initiate the investigation process in accordance with relevant laws and regulations, and investigate and deal with it strictly in accordance with the law and regulations.

Foundation background

At the end of 1984, with the needs of economic development, Mr. Rong Yiren, chairman of China International Trust and Investment Corporation (referred to as CITIC Corporation), sent a special letter to the central government requesting that under the CITIC Corporation system Establish a bank to fully engage in foreign exchange banking business. With the approval of the State Council and the People's Bank of China, a banking department will be established first to expand foreign exchange banking business and prepare for the establishment of a bank.

In April 1985, CITIC Corporation established the Banking Department on the basis of the original Finance Department, further expanding comprehensive banking services such as external financing, foreign exchange transactions, loan issuance, international settlement, financial leasing and deposit taking. . 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 rapidly. By handling RMB and foreign exchange deposits, loans, import and export issuance, international leasing, and securities It has accumulated certain experience in foreign exchange trading, exchange and other businesses, and has 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, CITIC Bank was officially established. The head office is 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. It is a subsidiary of CITIC Corporation and an independent legal person. Registered capital is RMB 800 million. Implement independent operations, independent accounting, and be responsible for profits and losses. Branches can be established at home and abroad to operate approved banking services.

Mr. Rong Yiren, former Vice Chairman of the People’s Republic of China, is appointed as Honorary Chairman of China CITIC Bank.

What conditions are required to apply for a CITIC Bank credit card?

The required conditions are as follows:

1. ID card must be the ID card of the applicant who is over 18 years old.

2. Proof of income and employment.

3. Proof of property: such as real estate, cars, stocks, funds, etc.

If you have no bad credit record before and your income is good, there should be no big problem in applying for a credit card and you should be able to pass the bank's information review.

Extended information:

Bring relevant documents to the CITIC Bank counter to apply for a credit card, or you can choose to apply online. Under normal circumstances, the fastest time to receive a credit card is 20 days, and the slowest time is within two months.

From credit card application to use, 24-hour mobile SMS service accompanies you throughout the process, including credit card approval notifications, transaction notifications (the starting point for SMS is a transaction of 500 yuan), account arrival notifications, account reminders, information change notifications, Product and service information, etc., giving you a more convenient, safe and complete card use experience. (This service is provided free of charge by China CITIC Bank. It is limited to China Mobile, China Unicom, China Telecom CDMA customers, PHS and other overseas mobile phone customers. This service is not currently available)