Advantages of CITIC Bank Credit Card:

1. The installment limit is relatively high (up to 5 times) and does not occupy the limit;

2. Alipay is supported;

Disadvantages:

1. Few branches; online banking is very rubbish;

2. Points are not permanently valid;

3. Call customer service Phone number, you need to enter your ID number or card number,

4. You must swipe it once within 30 days after the card is approved, otherwise you will be charged an annual fee;

Summary: Suitable for needs People who cash out in installments.

In addition, the characteristics of CITIC Bank’s credit cards:

1. No guarantee, no deposit, no household registration restrictions

2. The maximum credit limit for ordinary cards is 15,000 ( Gold card 50,000).

3. One card and two currencies are universally accepted.

4. Interest-free repayment period of up to 56 days

5. Free traffic accident insurance of up to 500,000-1 million yuan

6. Free of charge 5,000 yuan free of charge for accidental hospitalization

7. 10,000 yuan of women’s four major disease insurance (gold card can be enjoyed by parents and children)

8. 24-hour card transaction mobile phone text message (supports mobile and China Unicom mobile phone text message repayment)

9. "Wonderful Gifts" points program, swipe your card to get gifts in return

10. Year-round discounts from many merchants around the world

11 .The unique transparent card design shows your distinguished identity

12. The signature and password function makes you feel more confident when swiping the card

13. All joint-stock commercial banks can repay over the counter