The credit card of CITIC Bank cannot be phased.
Relevant provisions on credit cards of CITIC Bank:
1. The merchant shall verify the bill or cash withdrawal slip signed by the cardholder with the acquiring bank, and conduct liquidation with the acquiring bank to recover the advance funds.
2. The electronic payment network established by the bank and the magnetic stripe reading and manual password input of the card can realize the functions of credit card consumption, ATM withdrawal, transfer and various payments. The expenses incurred through the card are equal to the decrease in the balance of the savings account. If the account balance is zero, the payment function of the card will also be reduced to zero. The application for a savings card is very simple, and you can get it right away without bank approval.
3. With my valid ID card, go to any business outlet of the bank to handle it. You must open a current account first. The account balance shall not be less than 10 yuan. Unstamped withdrawal account. Non-loss-reporting account, frozen account and normal account status.
4. Savings card fees mainly include annual fee, small account management fee, loss reporting fee, new card worker, cash withdrawal fee (including local interbank, remote bank, remote bank, overseas ATM, Hong Kong and Macao), transfer fee (including remote bank, remote bank, local interbank, overseas wire transfer) and online banking transfer fee (including remote bank, remote bank, local interbank and overseas remittance).
5. Customer service tools for depositors. In shopping malls, hotels, entertainment places, public service places, etc. Where the POS terminal is installed in the bank card network, the savings card user can spend with his own account without cash.
The amount of consumption and payment by users is unlimited, and the handling fee is free. But the account can't be overdrawn. In addition, Savings also launched mobile phone payment service and telephone wallet payment service, which is easy and flexible, and it is convenient to pay anytime and anywhere 24 hours a day.
Therefore, the credit card of CITIC Bank cannot be phased.
Extended data
Credit card function of CITIC Bank:
1, convergence function
The master account guides a large number of scattered small funds to converge into the++function of funds that can be invested in social reproduction. Here, the stock market plays the role of "reservoir" of funds.
2. Configure functions
The allocation of resources, the general ledger transfers resources from inefficient departments to efficient departments, so that a society's economic resources can be most effectively allocated to the most efficient or effective use, and the rational allocation and effective utilization of scarce resources can be realized.
Step 3 Adjust the function
The regulating effect of personal account on macro-economy. The stock market is connected with depositors on one side and investors on the other. The operating mechanism of the stock market plays a role through its influence on savers and investors.
Baidu Encyclopedia-China CITIC Bank
Baidu encyclopedia-credit card
Official website of China CITIC Bank-Credit Card Guide
Can CITIC Bank apply for installment payment with its new credit card?
You can apply. CITIC Bank decides whether to approve the cardholder's application according to the cardholder's credit status and card usage at the time of application.
The actual installment amount, initial installment amount and installment number of the "Dream-Dream Gold" product applied by the cardholder shall be subject to the final approval result of the card center. .
The actual installment amount of the "Dream of Dreams" product includes the cardholder's fixed quota and the installment special temporary quota. Among them, the installment special temporary credit line refers to a one-time temporary credit line granted to the cardholder upon the cardholder's application and after being audited by the credit card center, and the credit card center will re-evaluate and update the cardholder's credit and card usage on each billing day.
Extended data:
The first installment amount is the first installment amount of a cardholder's single consumption, which is divided into six stages (500 yuan, 1 000 yuan, 2000 yuan, 5000 yuan, 1 000 yuan, 20000 yuan).
Where a single consumption amount reaches the first installment amount selected by the cardholder and meets the conditions agreed in this clause, it will be automatically phased. If the single consumption amount does not reach the first installment amount or meet the conditions agreed in this clause, it will not be automatically phased.
There are five stages in the product of "Yuanmengjin": 3, 6, 12, 24 and 36. Cardholders can choose from the above stages.
China CITIC Bank-China CITIC Bank Credit Card Yuan Meng Gold Card Product Terms and Conditions
How about the installment of CITIC Credit Card?
1. Call the customer service phone number of CITIC Bank Credit Card Center, and after transferring to manual customer service, select the installment number or amount according to the staff's prompt, and you can handle it;
2. The browser accesses the official website of CITIC Bank Credit Card, and then clicks "My Account → My Bill Inquiry → Current Bill Inquiry → Select Card". Click the bill installment, set the number of installments you want, and submit the application.
3. WeChat pays attention to the official account of CITIC Bank credit card WeChat. After entering the official WeChat account, click "Service Hall", and then select the installment type in the loan installment column, such as bill installment and appointment installment. , and then fill in the relevant information according to the jump page, and submit the application after completing the follow-up process.
4. The cardholder shall apply at the bank counter with his valid ID card and bank card.
Credit card bill installment payment is a kind of credit card installment payment, which means that the credit card holder asks the credit card center to return the consumption amount to the bank in installments after swiping the card.
Installment payment of credit card bill is the simplest installment payment method. You only need to call the bank credit card center or log in to personal online banking to apply for installment payment during the period from credit card consumption to due repayment date. Under normal circumstances, as long as there is no bad personal credit record, you can get approval.
The minimum repayment amount is the minimum amount that needs to be repaid in the current month when revolving credit is used, and the minimum repayment amount is listed on the current bill. The calculation method of the minimum repayment amount of each bill: the minimum repayment amount =65438+ 00% of all general transactions in the credit card account+65438+000% of all outstanding installment transactions in the account+65438+000% of the unpaid part of the minimum repayment amount in the previous period+65438+000% of all funds used in excess of the credit limit of the account+100.
Generally, you can accept the bill installment by calling the customer service center of the issuing bank or telephone banking. ICBC cardholders can handle installment payment at ICBC outlets, ICBC online banking, telephone banking and mobile banking, and China Merchants Bank can handle it at the bank's online banking. Relevant persons of CCB reminded cardholders that although all banks have introduced bill installment payment, it does not mean that every cardholder can pay by credit card installment.
General banks should evaluate the credit status of cardholders according to their credit limit and credit records of credit card consumption. Only after the assessment is passed can the cardholder make installment payment smoothly; If the evaluation result is not satisfactory, the bank may reject the cardholder's application for installment payment, or fail to give the cardholder the amount of installment payment he wants. Cardholders can fully consider their own financial situation and apply for installment by telephone.
The minimum consumption of banks applying for installment is basically between 500- 1500 yuan, including ICBC 600 yuan, China Construction Bank, Bank of China, China Merchants Bank 1000 yuan, Bank of Communications 1500 yuan (Y-power card is a single 500 yuan), CITIC 1200 yuan, Agricultural Bank of China and Guangfa Bank. Everbright Bank does not require the amount. As long as the cardholder uses the designated card, the bill will be automatically divided into 12 installments.
Let's stop here for the introduction of CITIC Credit Card installment.