How about CITIC Credit Card?
CITIC Credit Card is still very good among commercial bank credit cards, and it is easy to apply for the card. Moreover, CITIC Credit Card has a wide variety of cards and many preferential activities. For example, the JD Baitiao Card can be used to receive steel, the SF Express Co-branded Card can be mailed expressly for 1 cent, and there is also a 9-share redemption activity. Use 9 points to exchange for a cup of Starbucks or a book. Books under 35 yuan, or exchange for a Wanda movie ticket, etc. In addition, CITIC Platinum Card is known as the most cost-effective platinum card because its services are very practical: VIP travel, platinum medical care, aviation protection, accelerated points, etc.
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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 card processing 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 domestic shopping malls and supermarkets. , 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.
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, you can apply for installment payment for personal credit loans. , if the cardholder's current bill amount reaches more than 800 yuan, he or she can apply for interest-free installment payment. However, for purchases that have already been made in shopping malls and have been made after a single installment, the bank's repayment requirements cannot be used. 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.
Is CITIC Bank’s credit card good? Is it easy to handle?
Good, easy to handle
CITIC Bank is okay. CITIC Bank is an earlier bank and has been launching credit card business for a long time, in terms of quota, rights, points, etc. Look, they are all worth applying for. Users who are currently using them also say that CITIC Bank Credit Card is very good. Since we want to apply, we need to understand the application conditions for CITIC Bank credit card. First of all, you must be over 18 years old, secondly, you must have legal income, and a good credit record is a must. These three points are important conditions for applying for a credit card. However, the cash withdrawal fee is 3. You need to know in advance. For customers who do not need to withdraw cash but just swipe their cards, bank cards are actually the same.
As for the application channels, here are three recommendations for everyone, all of which are very commonly used.
The first method is to apply for a CITIC Bank credit card online: log in to the CITIC Bank Credit Card Center, click "Apply for Credit Card", enter the credit card introduction page, select your favorite card, click "Apply Now", and then enter the application page , fill in the form according to the prompts to complete the application process.
The second method is to apply for a CITIC Bank credit card via the customer service hotline: Dial the CITIC Bank credit card customer service hotline (400-88-95558), press "0" to transfer to manual service, and then press "5" to enter the credit card application function. There will be dedicated staff to serve you. Generally, everyone is willing to call directly. It will be much simpler with manual service.
The third option is to apply for a CITIC Bank credit card via text message. Users only need to pay ordinary text message fees to the mobile phone network operator, and CITIC Bank will send you a reply text message free of charge.
Of course, the application for a CITIC Bank credit card also needs to meet the corresponding comprehensive score. If the review fails, you can apply again after a period of time. The most important thing when applying for and using a credit card is a good credit record. If the credit is not good, the bank will naturally not approve the user.
This is pretty good. It’s easy to get the card when I apply, there are many types, and some of the thresholds are low. Of course, now all banks are vigorously developing credit card business. Basically all banks offer many types of credit cards.
The review is very relaxed and the requirements for users are not high. They require relevant documents such as ID cards and work permits. But on the contrary, the credit card limit he issues to you is not high, which feels good to me because we spend money together lavishly, and it is not easy to raise the limit. You have to understand this.
There are two types of credit limit in the card. One is cash withdrawal, which can be withdrawn in cash, usually accounting for one-fifth of the total limit. The rest can only be spent by swiping the card. Cash cannot be withdrawn or transferred, and a handling fee of 30 yuan will be deducted for cash withdrawals.
And interest will be recorded from the same day, 0.5% per day; there is no handling fee for credit card swiping, and there will be no interest within 50 days. Repayment The period is 50 days, that is, you have to repay the overdraft card within 50 days after the limit is reached. The minimum repayment amount is one-tenth of the overdraft amount, but if it is not repaid in the current period, interest will be compounded, and the previous payment will be The interest will also be recorded and compound interest will be charged, but you can also repay in full. You can also ask the bank in detail about this.
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How to evaluate CITIC Bank Credit Card?
CITIC Bank’s credit card issuance rate is basically at the top level, which shows that there are many people using it. Its review is relatively loose, but the limit is relatively low.
In terms of fees, there is an interest-free repayment period of up to 50 days, and you can choose to repay in full or according to the minimum repayment amount. No interest is required for full repayment during the interest-free repayment period (except for cash withdrawals). The overpayment in the card does not include deposit interest; the overdraft portion charges interest at a daily interest rate of 0.5%.
Netizen comments:
1. Do not withdraw cash with CITIC credit card. A cash withdrawal is 30 yuan.
2. Do not accept the service of upgrading to a gold card with CITIC Credit Card.
3. Do not accept insurance sales promotion services.
Four. It is really difficult for CITIC to raise the quota. (This is similar to Bank of Communications and Bank of China)
5. There are no free text messages for small amounts (the same applies to China Investment, Bank of Communications, and Construction).
6. The interest-free period is only 50 days (the investment period is only 48 days, except for Bank of China Titanium Ladies Card, Hua Xia Card, ICBC Card, Agricultural Bank of China Card, and Bank of Communications Card, which are all 50 days).
Is the CITIC Bank credit card easy to use?
CITIC Bank credit cards are pretty good, with the following main advantages:
1. CITIC Bank issues many types of credit cards with various themes, and the threshold for some credit cards is not high, such as QQ Caibei co-branded card is easy to apply for, but the limit is not necessarily high.
2. After applying for a CITIC Bank credit card online, if you are successfully approved, you will receive an official message from CITIC Bank asking you to bring your ID card to the bank business hall. This is also It means that the credit card application has been successfully applied and requires a personal signature for confirmation.
3. The customer service attitude of CITIC Bank is quite good. Whether you go to the business hall of CITIC Bank or call the official customer service of CITIC Bank, you will get a satisfactory answer quickly. However, after all, CITIC Bank does not have as many branches as the four major banks, so it may not be very convenient in some smaller places.
4. CITIC Bank offers many credit card discounts, and if you choose CITIC credit card for the first time to pay on Taobao, you can get discounts, watch movies for 9 yuan, and get cash back when swiping some cards.
Extended information
CITIC Bank credit card is very convenient. It can not only be used in domestic shopping malls and supermarkets, but can even be used in some foreign consumption places. Credit cards are very convenient for ordinary people. Allowing banks to gain more profits.
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.