I received a text message from the number 106980095558, claiming to be promotional information for CITIC Bank’s credit card. However, you have not applied for a credit card, so there is no need to pay too much attention to this. CITIC Bank's credit card is widely popular because of its convenience. It is not only accepted in major domestic shopping malls and supermarkets, but also supports international consumption. It has indeed brought convenience to people's lives, and the bank has also gained benefits. However, there are a few key points to note when using a CITIC Bank credit card.

First of all, it is important to develop good consumption habits and avoid using up the entire credit limit on impulse purchases. Credit cards only come into play when there is insufficient cash or the bank card cannot pay. The limit will vary depending on the customer's credit status. Premium users usually enjoy higher limits.

Secondly, repayment time is crucial. After using a credit card, be sure to repay it on time. This not only reflects your sense of responsibility, but is also an important step to avoid overdue penalties. If you cannot ensure timely repayment, it is best to carefully consider using a credit card.

In addition, CITIC Bank’s Platinum Card will charge an annual fee after upgrading, and it cannot be offset with points, even if you have not activated the card. The annual fee will be deducted immediately after the user upgrades. CITIC Bank Credit Card Center is a department specifically responsible for credit card business. It is located at the Shenzhen Head Office and is responsible for centralized management and accounting to ensure professionalism and efficiency of services.