The application conditions and application methods of CITIC Bank JD Baitiao Credit Card

CITIC Bank JD Baitiao Credit Card is a credit card jointly launched by CITIC Bank and JD Finance. I will introduce to you CITIC Bank JD.com Application conditions and application methods for Baitiao Credit Card:

The application conditions for CITIC Bank Credit Card are that the applicant must be between 18 and 60 years old, a natural person with full capacity for civil conduct, a legal employer, and a stable income. If you are a credit card holder and have good credit, you can apply for a CITIC Credit Card Personal Card Master Card from CITIC Bank with your valid identity document.

The main cardholder of the personal card can apply for supplementary cards for other natural persons; the age requirement for supplementary cards is: 16-65 years old. Only immediate family members can apply.

Application at the branch

1. Bring your second-generation ID card and relevant personal information to the branch.

2. Get the application form and fill it out truthfully.

3. After completing the filling, confirm the information and sign in the signature box.

4. Submit the application form and attach relevant personal information.

Online application

1. Log in to the official website of CITIC Credit Card and select the card you want to apply for.

2. Click on CITIC Baitiao Co-branded Card and select credit card application.

3. Fill in the relevant information truthfully on the website.

4. After filling in, confirm whether the information is accurate, and then click Submit.

How to use CITIC Bank Platinum Credit Card

If users have no special requirements, they can use the credit card gold card. The annual fee of the platinum card cannot be reduced or reduced, or the threshold for reduction is very high. However, if the user applies for a platinum card due to misleading bank customer service, he or she can apply for cancellation for free without paying an annual fee, but only within one month after placing the card.

The limit of CITIC Credit Card Gold Card may be increased when upgrading to Platinum Card, but the specific increase is determined by CITIC Bank based on the cardholder’s card usage habits, repayment ability, credit qualifications, etc. For example, if a cardholder repays every payment on time and has never been overdue, then there is a high chance that the gold card will be upgraded to a platinum card and the credit limit will be increased. But if there is an overdue amount and you make small purchases with your card every month, you may not be able to raise the limit. At the same time, the requirements for upgrading from a gold card to a platinum card are usually more stringent. If you can submit certain proof of financial resources, such as real estate certificates, car ownership certificates, bank deposits, financial products, etc., then there is a great chance that the gold card can be upgraded to a platinum card. Quota.

Upgrading your CITIC Credit Card to a Platinum Card may not necessarily increase your credit limit. Because the maximum limit of CITIC Gold Card is 50,000, although most of CITIC Platinum Cards have a minimum limit of 50,000, there are still some platinum cards (such as CITIC i Platinum) with a minimum limit of 3,000. So even if your credit limit is upgraded to a platinum card, your credit limit may remain the same, or even lower than your original gold card credit limit.

About CITIC Bank

On February 28, 1987, the General Office of the State Council approved the establishment of CITIC Industrial Bank. On March 17, the People's Bank of China approved the establishment of CITIC Industrial Bank. On April 10, the People's Bank of China issued a financial business license to CITIC Industrial Bank. On April 14, Rong Yiren, Chairman of CITIC Corporation and Honorary Chairman of CITIC Industrial Bank, held a press conference and announced that the former banking department of CITIC Corporation was changed to "CITIC Industrial Bank" with the approval of the State Council and the People's Bank of China. CITIC Industrial Bank started operations in April. On April 21, the State Administration of Foreign Exchange approved the scope of foreign exchange business of CITIC Industrial Bank. On April 22, the State Administration of Foreign Exchange issued CITIC Industrial Bank’s foreign exchange business license. On April 29, the State Administration for Industry and Commerce issued the industrial and commercial business license of CITIC Industrial Bank. On May 17, Xinhua News Agency released news about the opening of CITIC Industrial Bank. On September 16, China CITIC Bank held an official opening reception at the International Building in Beijing.

Is the CITIC Baitiao Co-branded Card a credit card?

The word credit does not appear in the name of the CITIC Baitiao Co-branded Card. Many cardholders think it is not a credit card. This is a very wrong perception. Know.

This card is a JD.com and CITIC Bank credit card and is most suitable for use in JD.com. Let’s take a look at it together.

1. CITIC Baitiao Co-branded Card is a type of credit card

When identifying whether a card is a credit card, we usually carefully check whether it has the three major signs of a credit card. One is whether the validity period of the card is indicated on the front of the card, the other is whether the pinyin of the cardholder's name is indicated, and the third is whether there is a three-digit security code on the back of the card.

The CITIC Baitiao co-branded card is entirely “white”. JD Finance, CITIC Bank and UnionPay use silver logos for the first time, and the IC chip on the card plate is also silver. The expiration date of the card and the pinyin of the cardholder's name are printed on the front of the card, and there is also a three-digit security code on the back. This shows that this is indeed a credit card.

2. What are the special rights and interests of CITIC Baitiao Co-branded Card

1. CITIC Baitiao Co-branded Card is a cooperative credit card between CITIC Bank and JD.com. Unlike other credit cards, its limit is limited by The influence of CITIC Bank and JD.com, for example, if the applicant is a Baitiao user, the quota will be higher than that of others.

2. The CITIC Baitiao co-branded card is positioned at the CITIC Bank gold card level. You can enjoy the Dragon Card gold card benefits as soon as you open the card, which is something that ordinary credit card holders cannot enjoy.

3. With the CITIC Baitiao co-branded card, in addition to enjoying the benefits of CITIC Gold Card, you can also enjoy JD.com service privileges. You can use points to redeem steel coins and directly purchase cash at JD.com Mall.

(Baidiao free installment purchase; 1,000 yuan flight delay insurance)

What operations need to be done before using a CITIC Bank credit card?

1. CITIC Bank Credit Card Application Progress Inquiry

2. CITIC Bank Credit Card Activation Method

3. CITIC Bank Credit Card Password Setting and Modification

CITIC Bank Credit Card Application Progress Inquiry

Users can check the progress of CITIC Bank Credit Card application in four ways: online banking inquiry, customer service phone inquiry, SMS inquiry, and mobile client inquiry. The specific query methods are as follows:

1. One of the methods for querying the progress of China CITIC Bank credit card application - online banking query

Step 1: Log in to the China CITIC Bank Credit Card Center page (click "Online Business" on the right "Credit Card Application Progress Inquiry" function of "Hall";

The second step: After entering the credit card application progress inquiry page, click the "Online Inquiry" function;

The third step: Enter online After checking the credit card application progress page, select the ID type and enter the relevant ID number to check the progress of your CITIC Bank credit card application.

Note: You can check your CITIC Bank credit card application status through this function. All application records (including records of failed applications)

2. How to check the progress of China CITIC Bank credit card application - customer service phone inquiry

Call CITIC Bank’s 24-hour customer service phone: 40088. -95558 Select the language, press "2" to query the service, press "1" to query the credit card application progress service, and then follow the prompts to query the CITIC Bank credit card application progress.

3. CITIC Bank credit card application progress. Query method - SMS query

Edit the text message: SQJD ID number and send it to 106980095558 to check the progress of CITIC Bank credit card application.

Charging instructions: China Mobile, China Unicom and Telecom users. Send a text message to 106980095558, and you only need to pay the operator for text message sending, and CITIC’s reply to the text message is free of charge.

4. How to check the progress of CITIC Bank credit card application - mobile client query

Step 1: You can scan the QR code at CITIC Bank to download CITIC Credit Card’s exclusive mobile client Mobile Card Space;

Step 2: After the installation is completed, open the login card space and click to enter the self-service column ;

The third step: Select the application progress inquiry menu;

The fourth step: Follow the correct operation process prompts to inquire about the progress of the CITIC Bank credit card application.

CITIC Bank Credit Card Activation Method

1. CITIC Bank Credit Card Activation Method - SMS Activation

Use the mobile phone number registered with the bank when applying for the credit card, edit Text message "the last 4 digits of kk and the last 4 digits of your home phone number" (for example: kk00008888) or edit the text message "the last 4 digits of kk and the last 6 digits of your ID number" (for example: kk0000123456) and send it to 106980095558 to activate your credit card.

Charging instructions: Users of China Mobile, China Unicom, and China Telecom who send text messages to 106980095558 only need to pay the operator the text message sending fee, and CITIC’s reply to the text message is free.

2. CITIC Bank Credit Card Activation Method - Online Banking Activation

Step 1: You can log in to the CITIC Bank Credit Card website and select "Credit Card Opening" under the Online Business Hall column. ;

The second step: After entering the "Credit Card Opening" guide page, click the "Online Banking Card Opening" function;

The third step: Entering the "Online Banking Card Opening" page After that, follow the prompts and enter the relevant ID number and other information to activate your card.

3. CITIC Bank credit card activation method - customer service phone activation

Cardholders can use the phone number registered at the CITIC Bank Credit Card Center to call CITIC Bank’s 24-hour customer service hotline: 95558 or 400-889-5558, enter the relevant ID number according to the voice prompts to activate your card.

IV. CITIC Bank Credit Card Activation Method—Mobile Client Activation

Step 1: You can scan the QR code on the CITIC Bank website to download the CITIC Credit Card exclusive mobile client. Card space;

Step 2: After the installation is completed, open the login card space and click to enter the self-service column;

Step 3: Select the "I want to open a card" function;

Step 4: Activate the credit card according to the correct operating procedures.

Warm reminder:

1. After you activate your credit card through SMS or online banking, the credit card can be used for consumption normally; if you need to use the credit card cash withdrawal function, please refer to CITIC Bank credit card password setting, set your cash withdrawal password (also called "transaction password").

2. The consumption mode is your credit card consumption confirmation method. Except for CITIC Blue Card, the initial consumption mode defaults to "Password Signature", the consumption mode of other CITIC Bank credit cards defaults to "Signature". You can refer to "CITIC Bank Credit Card Password Settings" to modify the credit card consumption mode.

CITIC Bank credit card password setting and modification

1. Introduction to CITIC Bank credit card transaction password application

CITIC Bank credit card transaction password is used for credit card inquiries and cash withdrawals , in the process of swiping a card for consumption, it is a means for the system to identify the cardholder's identity. The specific functions are:

1. Withdraw cash by credit card;

2. When the consumption mode is In the "password signature" mode, swipe your card at the POS machine with the UnionPay logo to make purchases.

2. CITIC Bank credit card transaction password setting

You can call: 40088-95558 to set/modify/reset the transaction password through automatic voice service;

It can also be modified through any CITIC Bank ATM machine.

If you forget your credit card transaction password, you can call: 40088-95558 and reset your credit card transaction password through the menu "Personal Information Modification and Transaction Password Settings, etc."

3. CITIC Bank Credit Card Consumption Mode Settings

CITIC Bank Credit Card Consumption Mode is the transaction confirmation method when cardholders use their credit cards to make purchases at POS machines. CITIC Credit Card has two consumption modes:

"Signature" consumption mode: After swiping the credit card for consumption, the cardholder signs the POS purchase form to confirm the transaction.

"Password signature" consumption mode: When using a credit card to make a purchase at a UnionPay POS machine, the POS machine requires the cardholder to enter the transaction password to verify the cardholder's identity. At the same time, after the transaction is successful, the cardholder The person needs to sign the POS purchase form to confirm the transaction.

Unless otherwise specified, the initial state of CITIC Credit Card consumption mode defaults to "Signature" (Note: The initial state of CITIC Blue Card Credit Card defaults to "Password Signature".), you can set the credit card in the following ways Consumption mode:

1. Dial: 40088-95558 and make changes through the self-service voice service;

2. Log in to CITIC Credit Card Online Banking to make self-service changes;

3. Log in CITIC Bank personal online banking modification.

How to use CITIC Bank Platinum Card

The functions of CITIC Bank Platinum Card:

1. Provide two levels of protection against flight delays. Cardholders use CITIC Platinum Card If you purchase a ticket with a credit card and take a flight, you can get up to 1,000 yuan in compensation if your flight is delayed for 2 hours, and you can get up to 2,000 yuan in compensation if your flight is delayed by 4 hours.

2. Exclusive VIP channel service

Exclusive financial management place, distinguished and private, CITIC VIP Financial Management Center and VIP room are superior, private, exclusive and comfortable, where you can enjoy financial services .

3. Priority processing at the VIP preferential service counter

Wealth Management Platinum Card holders or Platinum Credit Card cardholders enjoy priority preferential services when handling business at the counter. Including priority processing of business, related fee reduction and exemption services, such as: exemption of annual fees and bill service fees, exemption of loss report handling fees, exemption of overseas emergency cash withdrawal handling fees, exemption of account management fees during the promotion period, etc.

4. Airport VIP check-in service

Customers (Wealth Management Platinum Card holders or Platinum Credit Card holders) can enjoy VIP check-in service at contracted airports for free. Including: enjoying a series of services such as VIP waiting room, special security check channel, dedicated check-in, baggage check-in and so on.

5. Free travel traffic accident insurance

Customers (CITIC Wealth Management Platinum Card holders or Platinum Credit Card holders) use CITIC Wealth Management Platinum Card to pay for flights, ships, trains or If you pay for a car or transportation ticket, or pay a tour fee of RMB 80 or more, you can get free accident insurance up to RMB 10 million, including your spouse and children who are traveling with you.

Extended information

When you hold a CITIC Bank Platinum Card, you can enjoy the following benefits:

1. Health and medical services: when you need to be hospitalized , you can register directly in the VIP area of ??the hospital without making an appointment, and you can also enjoy medical consultation directly, or you can rest in the VIP lounge of the hospital;

2. Free accidental admission medical insurance: CITIC Bank is a platinum card Users are provided with free medical insurance services and can also enjoy accidental hospitalization medical insurance of up to RMB 10,000.

3. Legal consulting services: CITIC Bank provides free legal consulting services to platinum card users, with no limit on the number of times;

4. Financial planning services: If you hold a platinum credit card If so, CITIC Bank will also provide you with professional financial consulting services to help you maintain and increase the value of your assets.