Does CITIC Bank’s Credit Card enjoy *** limit?

CITIC Bank’s Credit Card has attracted much attention from card friends. Some friends have a credit card and then applied for a credit card. Card, I just want to know how much available credit I have. What I want to say here is that all credit cards under the name of CITIC Bank customers are entitled to a certain limit. The exclusive limit is based on the credit card with the highest credit limit. Let’s learn about it together.

Xinjin Card is a credit card provided by China CITIC Bank Credit Card Center with large-amount cash installment function. After successfully applying for the card, you will receive a credit card from the bank. At the same time, the cardholder can also apply for "Xinjinbao" Cash installment, the borrowed cash is directly transferred to the savings card in your name.

What is the quota limit?

The so-called "credit card exclusive limit" mainly means that all credit cards under the name of the cardholder of the same bank can use the same limit.

However, this limit is not the combined limit of all credit cards, but the limit of the credit card with the highest limit. In addition, if a card under the same account has an overdrawn limit, the remaining available limit will be equal to the exclusive limit minus the used limit.

Do you enjoy the credit card limit?

As far as we know, the CITIC Bank credit card limit regulations are that all credit cards under the same account of the cardholder share the same limit. Therefore, if you hold multiple CITIC credit cards , then all credit cards share a limit, and this limit is based on the credit card with the highest credit limit.

For example, card friend Xiaoqi has two CITIC credit cards in her name, one of which is a CITIC Standard Card with a limit of 10,000, and a CITIC Gold Card with a limit of 20,000. Then, these two The maximum credit card limit is 20,000 yuan.

Once any credit card has an overdraft consumption, the remaining available limit is 20,000 minus the overdraft consumption limit.

Why is there a quota limit?

As we all know, CITIC Bank often gives a credit limit based on a comprehensive assessment of the cardholder's economic situation. If this limit is exceeded, the cardholder may consume beyond his financial conditions and be unable to repay.

For example, if a cardholder has a monthly income of 10,000 yuan, the bank will usually grant a credit card credit of about 20,000 yuan. If the cardholder applies for 5 CITIC credit cards, then he can have an overdraft of 100,000 yuan. Yuan, which far exceeds its repayment capacity and poses risks to the bank.

With the limit limit, no matter how many CITIC credit cards the cardholder applies for, the maximum overdraft limit he or she can have is 20,000 yuan, which can reduce the risk of bad debts for the bank.

Is the CITIC credit card limit ***enjoyed?

The CITIC Bank credit card limit is ***enjoyed

The CITIC Bank credit card limit is ***enjoyed. If you have Some card A has a limit of 5,000 yuan and card B has a limit of 8,000 yuan. Then the two cards can use a limit of 8,000. If card A has spent 5,000 (up to the maximum limit of the card), then card B can use it. The limit is only 3,000, and installment payments occupy the limit.

1. Application conditions:

1. Applicants must be between 18 and 60 years old and have full capacity for civil conduct;

2. Have a good credit record; < /p>

3. Have job income and the ability to repay.

2. Application materials:

1. Identity proof: copy of resident ID card or military officer ID;

2. Work and income proof;< /p>

3. Other proof of financial resources: such as a copy of the real estate certificate, a copy of the driving license, a copy of the deposit receipt, etc.

3. Credit card application method:

1. Application at the counter:

Bring your credit certificate to the counter to apply:

Applicant required Submit relatively complete asset certification documents and submit materials to Industrial Bank for review by the bank's backend review department;

After passing the review, fill in relevant information and identity information;

Issue a credit card.

2. Online banking application:

The applicant uses a savings card account under his or her name to open online banking and enter the official website of Industrial Bank;

Enter the login password and verification code Then enter the online banking page;

Click "Credit Card Service", you can choose to apply for a credit card under the credit card service page, fill in the information and submit, the review progress and results will be displayed on the online banking;

Audit Once approved, the credit card is issued.

3. Counter application process:

Go to the bank branch where the credit card is processed, or ask the staff of the local Construction Bank Credit Card Center to fill out the credit card application form. The content of the application form generally includes the applicant's name, basic information, financial status or source of income, guarantor and his/her basic information, etc.;

Submit certain copies of certificates and certificates to the card issuing bank;< /p>

After filling in the application form truthfully, you must submit relevant credit certificates together with the completed application form;

The application form is accompanied by a credit card use contract, and the applicant authorizes it The card-issuing bank or relevant departments will investigate the relevant information and submit a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must have my signature;

The credit card application process is basically completed and waiting for the credit card to be issued.

Is the limit of the CITIC credit card under the customer’s name exclusive to ***?

Yes

All the CITIC Bank credit card limits under the customer’s name are** *Enjoyed

In addition

If the statement dates of these two cards are inconsistent

CITIC Bank has finally made adjustments

The statement dates of all credit cards under the customer's name have been unified.

Be sure to pay attention to the date prompted by the free text message sent every month.

In addition

Although the two credit card limits are shared

but the repayments between the two cards must be separated

For example, if you use card A to pay 500 yuan

If you use card B to pay 100 yuan

you must pay it back in installments using cards A and B respectively

but not by one of them. Zhang repaid 600 yuan

Is the quota of CITIC Credit Card Gold Card and Platinum Card exclusive?

Yes, ***exclusive quota.

Any bank’s credit card limit is exclusive, but the types of cards are different. For example, if you have a limit of 5,000 on card A, you later applied for another card type B with a limit of 15,000 from the same bank. Then the maximum limit must be used as the standard, and you can repay the higher limit every month, because it is the exclusive limit. This is why some credit card limits can only be raised to a temporary limit, and will not be raised. Then apply for the same bank The different kind is ok!

The credit card limit is shared with other credit cards. Credit card is a credit card with large-amount cash installment function, and it is also a credit card that can borrow money. When you successfully apply for a card, you will receive a credit card from the bank. You can also apply for "Xinjinbao" cash installment. Your borrowed cash will be directly transferred to the savings card under your name. When repaying, you only need to deposit the amount into the Xinjinbao card.

The application conditions:

Chinese residents, foreigners permanently residing in the country and compatriots from Hong Kong, Macao and Taiwan who are over 18 years old, have full capacity for civil conduct and have good credit standing can apply in person. Apply for a credit card personal card master card from the card issuer with your identity document.

The main cardholder of the personal card can also apply for supplementary cards for other natural persons with full capacity for civil conduct or natural persons with limited capacity for civil conduct. Supplementary card application materials must be confirmed by the primary cardholder's personal signature, customer service call recording, electronic signature, or a method mutually recognized by the cardholder and the card-issuing bank. The main cardholder can apply to cancel the supplementary card at any time.

The difference between CITIC Credit Card Gold Card and Platinum Card is mainly reflected in the credit limit, annual fee and rights. The banking services they correspond to are as follows:

CITIC Bank Gold Card: Withdraw money from ATMs across banks in the same city, and the balance in the card is ≥ 50,000 yuan, free of charge; if the balance is less than 50,000 yuan, the same as the regular card, 2 yuan per transaction. The first 2 transactions per month are free of charge. If he takes the route of the main center for settlement, it is equivalent to withdrawing funds from different places across banks.

CITIC Bank Platinum Card: Free online banking across different locations, free withdrawals from ATMs across different locations, airport VIP boarding service (the assets in the card must exceed 500,000 yuan).

Hello, two credit cards, CITIC Bank credit cards, are equal to two cards, or do two cards have one limit?

CITIC Bank credit cards under the same customer name (including mergers) The main account and additional cards) all have exclusive quotas. That is to say, the limit of applying for multiple credit cards will not be accumulated.

For example: Suppose your personal limit is 10,000 yuan, and you have two credit cards from our bank. Both cards use your personal limit of 10,000 yuan. If card A has used 4,000 yuan, B The card can only use the remaining 6,000 yuan.

Extended information

CITIC Credit Card Annual Fee

1. Platinum Card Premium Card: RMB 2,000 for the main card; RMB 1,000 for the supplementary card.

2. Elite card main card: RMB 480; supplementary card: RMB 240.

3. Titanium card main card: RMB 480; supplementary card: RMB 240.

4. Gold card main card, dual currency card: RMB 300; RMB single currency card: RMB 200.

5. Additional card dual currency card: RMB 150; RMB single currency card: RMB 100.

6. Main card: RMB 100; supplementary card: RMB 50.

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).