Is it easy to get a Citi credit card?

Citibank, formerly known as City Bank of New York, is currently one of the largest banks in the United States. As a foreign bank, Citibank has branches in Beijing, Shanghai, Guangzhou, Shenzhen, Dalian, Tianjin and Nanjing. So is Citibank’s credit card easy to get?

1. In addition to meeting the three basic requirements of being over 18 years old, having stable income and good repayment ability, and holding credit cards from other banks for more than one year, there is another hidden requirement when applying for a Citibank credit card. Conditions require that the applicant's organization be on Citibank's "Quality Customer List".

2. In other words, if the applicant’s workplace is just an ordinary small business or start-up company, it will be difficult to apply for a Citi credit card.

3. There are many requirements for applying for a Citibank credit card, and it is still difficult to apply. Especially for users who have never applied for a credit card, it is recommended to choose another bank when applying for a credit card for the first time. After all, one of the basic conditions of Citibank is to hold another bank’s credit card for more than one year.

The above is what I found for you about whether Citibank credit card is easy to apply for. I hope it can help you.

Is Citibank credit card good? Is it easy to do?

Citibank is a relatively unpopular commercial bank. The credit card limit is very high and the threshold is relatively high. It is a bit difficult to apply. However, the appearance of its card is very good-looking and high-end. Users who like it can apply for it. !

Conditions for applying for a card

Citibank is a foreign-controlled credit card. The application conditions are generally strict and the customer qualification requirements are also very high. Generally, the card can be successfully approved by other banks. Children's shoes are likely to be rejected at Citibank.

Repayment

Citibank does not support online repayment or Alipay repayment from other banks, which are supported by other banks. The only repayment methods supported by Citibank are branch repayment and Lakala repayment, which to some extent makes repayment more difficult for cardholders.

Online banking payment

Children's shoes who like to shop online, please note that Citibank credit cards do not support online banking payment. In addition, the mobile client has limited functions.

Having said so many "bad things" about Citibank, are those who want to apply for a Citibank credit card feel discouraged? In fact, Citibank's credit card certainly has other advantages, and the approval process is strict, so the approval process is very strict. The card limit is relatively high; there are many merchant discounts, and there are Citi merchant activities almost all over the country; over-the-counter repayment ensures the timeliness and safety of repayment.

The focus of this card is its activity. Here are two examples:

1. You can get 3 times the points for designated types of consumption (such as eating, staying at KTV, shopping at supermarkets and JD.com). In this case, for consumption such as eating and staying in hotels and KTVs, the rate of earning air miles is not 18:1, but 6:1, instantly reaching the peak of all credit cards!

2. There is also a points activity within three months of opening the card:

With this activity, this card will instantly have someone to belong to - for eating or shopping in the supermarket. Special card. If you spend a lot of money at a certain type of merchant, this card is a good choice. By the way, it is recommended to apply for Dual Currency Master card for this card, which will issue you a RMB UnionPay card (Gold) and a US dollar Master card (Titanium). The latter is also what we commonly call Titanium Card, and it does not charge additional annual fees. In other words, after paying the annual fee of your main card, you can waive the annual fees of a UnionPay Gold Card and a Master Titanium Card! Please also note that this card is not like most banks that can waive the annual fee by swiping a few times a year. The standard for waiving the annual fee (300 yuan) is to swipe at least 30,000 yuan a year - the threshold for foreign banks is still a bit high. of.

Is it easy to get approved for a Citibank credit card?

The application requirements for a Citibank credit card are quite strict and it is not easy to get approved.

1. Regardless of whether your original credit card has a record of default; the applicant has a malicious overdraft or loan default record in other banks; the applicant has a record of unpaid water, electricity, natural gas or telephone bills; the applicant has a record of unpaid water, electricity, natural gas or telephone bills; The Public Security Bureau has lawsuits or bad records, etc.

2. Occupational reasons: Generally speaking, catering and entertainment service professionals, front-line sales staff, cashiers, waiters, clerks, direct sales industry, credit card marketers of other banks, on-site insurance companies, etc. all belong to credit cards High-risk groups to apply for.

3. The applicant does not have sufficient qualifications to engage in restricted industries for credit card issuance; the applicant’s age, working years, salary or other financial status do not meet the prescribed card issuance standards; supplementary card applicants and primary card applications The relationship between people does not meet the requirements; the applicant's income and work and other comprehensive factors are unstable, and the risk is higher.

4. Incomplete information: The application is incomplete; the applicant did not provide basic documents; the documents provided by the applicant do not meet the approval standards.

5. Risk group: The applicant forges information or provides false information; anomalies are found during the credit investigation audit process (the applicant has resigned or the signature is not his/her signature); the applicant does not exist or Applying under false pretenses; the applicant is a high-risk customer, etc.

6. Other reasons: repeated application submission, applicant cancellation of application, etc. In summary, Citibank credit card applications are usually rejected due to age, incomplete information, inaccurate information, bad credit card history, etc.

7. The applicant is required to be over 18 years old. Of course, the applicant must also have full civil capacity; have a legal and stable source of work income; the applicant is required to live in a city with a Citi branch; The applicant's credit record must be good, with no overdue or other bad card usage records. It should be noted that Citibank is a foreign-funded bank, so its requirements will be higher. The applicant's work unit must have been registered for more than 3 years and the registered capital must be more than 1 million yuan. Therefore, if the applicant's employer does not meet this requirement, it will be difficult to successfully apply for a Citibank credit card.

Is it difficult to apply for a Citibank credit card?

Is it difficult to apply for a Citibank credit card?

Requirements for applying for a Citibank credit card

1. Application conditions

Citibank credit card application conditions

(1) The main card applicant must be over 18 years old (inclusive) and have full capacity for civil conduct; the supplementary card applicant must be over 16 years old (inclusive).

(2) The main card applicant can apply for an additional card for his spouse, children or parents.

(3) The principal card applicant’s residence and company address must be in 13 cities with Citi branches.

(4) The main card applicant must have a stable income occupation, the ability to earn money, and good credit.

Income conditions for principal card applicants:

(1) If the monthly salary before tax is 3,500 yuan or more, you can apply for a Citi gift card.

(2) If the monthly salary before tax is 10,000 yuan or more, you can apply for the Citi Rewards Platinum Card.

2. Information required to apply for a credit card

(1) Proof of identity: original and photocopy of identity document (front and back of ID card, Mainland Travel Permit for Hong Kong and Macao Residents, Taiwan Compatriot Permit , passport, etc.).

(2) Proof of income

(3) Proof of residence

Note: Providing proof of income and residence will help your application be approved.

It is not easy to apply for a Citibank credit card. In addition to the basic requirement of being 18 years old, there are also some hidden conditions.

There are three basic conditions for applying for a Citibank credit card:

1. The applicant is over 18 years old;

2. The applicant has a stable income;

3. Must have held a credit card from another bank for more than one year.

The first two conditions are general, but the third condition is unique to Citibank credit cards, because this condition is used to examine the applicant's credit consumption. Therefore, novices who have never applied for a credit card cannot apply for a Citibank credit card.

However, in addition to the above three conditions, there is another implicit condition for Citibank credit card application, which requires the applicant's company to be on Citi's "Quality Customer List". Simply put, the company must It has been registered for more than 3 years and has a registered capital of more than 1 million. If your workplace is ordinary or has just been established, it will be difficult to apply for a Citibank credit card.

Is it easy to apply for a Citibank credit card?

It is easy if you meet the application requirements.

Requirements for applying for a credit card:

Be 18 years or older and have full capacity for civil conduct;

Have a good credit record;

Applicants You can apply for no more than two supplementary cards for your spouse or relative who has full capacity for civil conduct.

Materials for applying for a credit card:

Proof of identity: photocopy of resident ID card or military officer ID;

Proof of employment and income;

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

Credit card application method:

Bring your credit certificate to the counter to apply: The applicant is required to submit a relatively complete asset certificate file and submit the above to the bank for audit by the bank's back-end audit department.

Online banking application: The applicant uses a savings card account under his or her name to open online banking, enter the official website of the bank, enter the , login password and verification code to 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 it. The audit progress and results will be displayed on the online banking.

What should I do if my Citibank credit card application is rejected?

Factors for credit card rejection:

Age discrepancy: The minimum application age specified by the bank is 18 years old, and the maximum application age is 18 years old. If you are 60 years old and exceed the scope, you will definitely be rejected;

You are not in the original employer, you have resigned, and you are applying for a credit card;

The applicant’s unit/company does not find this person;

Individuals or small business owners whose registered capital does not meet the application standards;

Applicants who apply repeatedly are subject to general bank regulations. If the first application is rejected, the minimum interval for applying again to the same bank is more than 3 months;

The application form is incomplete and information is missing;

The signature on the application form does not match the name on the ID card.

These are the main reasons for being rejected when applying for a credit card. Before applying, you can check to see if you have touched a certain red line. You can remedy it at any time before applying again.

Is it easy to apply for a Citibank credit card?

It is easy to apply if you meet the conditions.

Requirements for applying for a credit card:

Be 18 years or older and have full capacity for civil conduct;

Have a good credit record;

Applicants You can apply for no more than two supplementary cards for your spouse or relative who has full capacity for civil conduct.

Materials for applying for a credit card:

Proof of identity: photocopy of resident ID card or military officer ID;

Proof of employment and income;

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

Credit card application method:

Bring your credit certificate to the counter to apply: The applicant is required to submit a relatively complete asset certificate file and submit the above to the bank for audit by the bank's back-end audit department.

Online banking application: The applicant uses a savings card account under his or her name to open online banking, enter the official website of ICBC, enter the , login password and verification code to 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 it. The audit progress and results will be displayed on the online banking.

Citibank credit card application progress inquiry portal: How to check application progress

Telephone inquiry;

Official website inquiry;

WeChat official account inquiry ;

Life account inquiry;

Citibank Mobile Banking APP inquiry.

If you have a Citibank debit card, will it help you apply for a Citibank credit card?

Yes

Is it difficult to apply for a Citibank credit card? How much can I apply for?

The limit is approved by the bank and you can apply to increase the limit.

There are the following ways to increase your bank credit card limit:

Provide sufficient proof of financial resources when applying for the card. When applying for a credit card, try to provide as much proof of your financial resources as possible, such as income certificate, bank deposit certificate, real estate certificate, car ownership certificate, etc. The bank will evaluate the assets of the card applicant based on these certificates. If the card holder has a deposit in China Construction Bank or is a civil servant, it will also help the card holder to obtain good credit, and it will also help to obtain a higher credit limit under approval;

Swipe as many cards as possible Consumption. The bank will make a comprehensive evaluation based on the customer's past card use. It is recommended that cardholders diversify their consumption types when swiping their cards, such as home appliances, catering, supermarket shopping, etc., and spend as much as possible in physical stores. The bank's credit card center will adjust the limit based on the cardholder's credit card utilization and repayment record;

Ensure a good repayment record. After using a bank credit card for consumption, make sure to repay the money on time every month before the repayment date. Once it is overdue, not only will you have to pay a high late fee, but it will also create a bad credit record, which will affect your future credit card applications. If there is an emergency and you cannot repay in time, you can call the bank's customer service hotline to apply for an extension of repayment;

Apply for an increase in the temporary limit. Bank credit card holders can apply to actively increase the temporary limit. The bank will comprehensively assess the limit range that the cardholder can increase based on the cardholder's usual consumption and repayment status. If you frequently increase the temporary limit, the bank will think that the demand for credit cards is relatively strong, so it is not difficult to increase the fixed limit. The temporary limit needs to be paid off in one go, so cardholders should be careful not to incur late payment fees.

Bank credit card applications for limit increase services are basically based on these methods.

How to apply for a Citibank credit card on WeChat

It is recommended to apply at the counter. The counter application process:

1. Go to the bank branch where the credit card is processed, or find The staff of the local bank's credit card center will 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.;

2. Submit certain photocopies and certificates of documents to the card-issuing bank. ;

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

4. The application form is accompanied by a credit card. According to the contract, the applicant authorizes the card issuer or relevant departments to investigate its relevant information, and submits a declaration of the authenticity of the information, the card issuer's privacy policy, etc., and must have his or her signature;

5. Credit card application process Basically completed, waiting for the credit card to be issued.

How to apply for a Citibank credit card in the United States

To apply for a Citibank credit card in the United States, you must meet the following conditions:

Citizens of China, Hong Kong, Macao and Taiwan who are over 18 years old;

p>

If you have a monthly salary of RMB 3,500 or more before tax, you can apply for a Citibank Gift Card;

If you have a monthly salary of RMB 6,500 or more before tax, you can apply for a Citibank Gift Platinum Card;

Completely filled in and signed application form and original and photocopy of identity document (front and back of ID card, Mainland Travel Permit for Hong Kong and Macao residents, Taiwan compatriot card, passport, etc.);

Provide proof of income and residence Proof will help get your application approved.

Note: After meeting the above conditions, just contact the bank by phone to inquire about credit card application.

That’s it for the introduction of whether it is easy to apply for a Citi credit card.