Is Citibank a good credit card?
Citibank is a foreign-controlled credit card. Although Citibank is a household name in the United States, it is a relatively unpopular commercial bank in China, and the number of credit cards issued by his family is even less. So is Citibank's credit card good? Let's take a look together.
1. Because Citibank is a foreign bank, the application conditions are generally strict, and the qualification requirements for customers are also very high. Generally, small partners who can successfully approve cards in other banks are likely to be rejected in Citibank.
2. Whether Citibank's credit card is approved depends on the applicant's own conditions: relatively speaking, it is more difficult for Citibank to apply for a card than ordinary commercial banks, and it also requires higher qualifications for customers. Mainly in the strict restrictions on the applicant's salary income, generally requiring a monthly income of more than 5,.
The above is an introduction about the credit card approval of Citibank. I hope it will help you.
Is Citibank credit card easy to approve?
The application requirements of Citibank credit card are quite strict and it is not easy to approve.
1. Whether your original credit card has a default record or not, 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 lawsuit or a bad record in the Public Security Bureau.
2. Occupational reasons: Generally speaking, catering and entertainment service professionals, front-line salespeople, cashiers, waiters, shop assistants, direct selling industry, credit card marketers of other banks, and on-site insurance companies are all high-risk groups for credit card applications.
3. The applicant is not qualified enough to engage in the restricted industry of credit card issuance; The applicant's age, working years, salary or other financial conditions have not reached the required card issuance standards; The relationship between the supplementary card applicant and the main card applicant does not meet the requirements; The applicant's comprehensive factors such as income and work are unstable and the risk is higher.
4. Incomplete information: the application is incomplete; The applicant fails to provide basic documents; The documents provided by the applicant do not meet the approval criteria.
5. Risk group: the applicant falsifies information or provides false information; Abnormal conditions are found during the audit of credit investigation (the applicant has resigned or his/her signature is not his/her signature); The applicant does not exist or applies under false excuses; The applicant is a high-risk customer, etc.
6. Other reasons: repeated submission of applications, cancellation of applications by applicants, etc. In short, Citibank's credit card application is usually rejected for reasons such as age, incomplete information, inaccurate information and poor credit card record.
7. The applicant is required to be at least 18 years old, and of course the applicant must also have full capacity for civil conduct; Have a legal and stable source of income from work; The applicant requires Jujia to be located in a city with a Citibank branch; The applicant's credit record should be good, and there is no record of bad card use such as overdue. It should be noted that Citibank is a foreign bank, so its requirements will be higher. The applicant's work unit must be registered for more than 3 years, with a registered capital of more than 1 million yuan. Therefore, if the applicant's work unit does not meet this requirement, it is still 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?
I. Application conditions
Citibank credit card application conditions
(1) The principal card applicant must be over 18 years old (inclusive) and have full capacity for civil conduct; Supplementary card applicants must be at least 16 years old.
(2) The main card applicant can apply for a supplementary card for his spouse, children or parents.
(3) The residence and company address of the principal card applicant must be in 13 cities with Citibank branches.
(4) the main card applicant must have a stable income occupation, the ability to seek compensation and good credit standing.
Income conditions of the main card applicant:
(1) If the monthly salary before tax is RMB 3,5 or above, you can apply for the Citi Gift Card.
(2) If the pre-tax monthly salary is RMB 1, yuan or above, you can apply for Citibank Ritual Platinum Card.
II. Information to be provided when applying for a credit card
(1) Identity certificate: original and photocopy of the identity certificate file (front and back of the identity card, Hong Kong and Macao residents' mainland travel permit, Taiwan compatriots' card, passport, etc.).
(2) proof of income
(3) proof of residence
Remarks: Providing proof of income and proof of residence will help your application to be approved.
It is not easy to apply for a Citibank credit card. Apart from the basic requirement of being 18 years old, there are some hidden conditions.
There are three basic conditions for Citibank to apply for a credit card:
1. The applicant is at least 18 years old;
2. The applicant has a stable income;
3. You must hold another bank's credit card for more than one year.
the first two conditions are average, and the third condition is unique to Citibank's credit card, because it is necessary to examine the applicant's credit consumption through this condition. Therefore, Xiao Bai, who has never applied for a credit card, cannot apply for a Citibank credit card.
However, in addition to the above three conditions, Citibank's credit card application also has an implicit condition, which requires the applicant's company to be on Citi's "Quality Customer List". Simply put, the company must be registered for more than 3 years with a registered capital of more than 1 million. If the work unit is ordinary or just established, it is difficult to apply for a Citibank credit card.
Is it easy for Citibank to apply for a credit card?
It is easy to meet the requirements.
Conditions for applying for a credit card:
At least 18 years old, with full capacity for civil conduct;
have a good credit record;
applicants can apply for no more than two supplementary cards for their spouses or relatives with full civil capacity.
credit card application materials:
identification materials: photocopy of resident identity card or military officer's card;
proof of work and income;
other financial proof: such as photocopies of real estate license, automobile driving license and deposit certificate, etc.
credit card application method:
bring credit certificate to the counter to apply: the applicant needs to submit a relatively complete asset certificate file and submit the above to the bank for audit by the bank's back-office audit department.
online banking application: the applicant opens online banking with a personal savings card account, enters the processing bank official website, and enters the online banking page after entering the login password and verification code. 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, and the audit progress and results will be displayed on the online banking.
What should I do if Citibank's credit card application is rejected?
Factors of credit card rejection:
Age mismatch: the minimum application age stipulated by the bank is 18 years old and the maximum application age is 6 years old. If it exceeds the scope, it will definitely be rejected;
he is not in the original company, has left his job and applied for a credit card;
the applicant's company/company has not found this person;
individual or small business owner, the registered capital is not enough to apply for the standard;
if the applicant applies repeatedly, the general bank stipulates that if the first application is rejected, the minimum interval for re-applying to the same bank is more than 3 months;
the application form is incomplete and information is omitted;
the signature of the application form does not match the name of the ID card.
These are the main reasons why credit card applications are rejected. Before applying, you can check to see if you have touched a red line and remedy it at any time before applying.
Is it easy to apply for Citibank credit card?
It is easy to apply if you meet the requirements.
Conditions for applying for a credit card:
At least 18 years old, with full capacity for civil conduct;
having a good credit record;
applicants can apply for no more than two supplementary cards for their spouses or relatives with full civil capacity.
credit card application materials:
identification materials: photocopy of resident identity card or military officer's card;
proof of work and income;
other financial proof: such as photocopies of real estate license, automobile driving license and deposit certificate, etc.
credit card application method:
bring credit certificate to the counter to apply: the applicant needs to submit a relatively complete asset certificate file and submit the above to the bank for audit by the bank's back-office audit department.
online banking application: the applicant opens online banking with a personal savings card account, enters ICBC official website, and enters the online banking page after entering the login password and verification code. 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, and the audit progress and results will be displayed on the online banking.
Citibank Credit Card Application Progress Inquiry Portal: How to inquire about the application progress
Telephone inquiry;
official website query;
wechat WeChat official account query;
life number query;
Citibank Pocket APP Inquiry.
Is it helpful to apply for a Citibank credit card if you have a Citibank savings card?
Is it difficult to have a Citibank credit card? How much can you apply for?
The amount is approved by the bank, and you can apply for an increase in the amount.
There are the following ways to increase the bank credit card limit:
Provide sufficient financial proof when applying for the card. When applying for a credit card, provide as many financial proofs as possible, such as proof of income, proof of bank deposit, proof of real estate, proof of vehicle production, etc. The bank will evaluate the assets of the cardholder according to these proofs. If the cardholder has a deposit in China Construction Bank or is a civil servant, it will also help the cardholder to obtain a good credit, and it will also help to approve a higher credit limit;
spend as much as possible by credit card. The bank will make a comprehensive evaluation based on the customer's past card use. It is suggested that cardholders can diversify their consumption types, such as household appliances consumption, catering consumption, supermarket shopping, etc., and spend as much as possible in physical stores. The bank credit card center will adjust the quota according to the cardholder's utilization rate of credit cards and repayment records;
ensure a good repayment record. After using the bank credit card to spend money, you should ensure that you repay on time before the repayment date every month. Once it is overdue, it will not only pay a high late fee, but also produce a bad credit record, which will affect future credit card applications. If you can't repay in time in case of emergency, you can call the bank's customer service hotline and apply for deferred repayment;
apply to increase the temporary quota. Bank credit card holders can apply for the initiative to increase the temporary limit, and the bank will comprehensively evaluate the range of the limit that the cardholder can increase according to the cardholder's usual consumption and repayment. If the temporary quota is often raised, banks will think that there is a strong demand for credit cards, and it is not difficult to raise the fixed quota. The temporary limit needs to be paid off in one lump sum. Please be careful not to generate late fees.
these are the basic methods for bank credit card application and withdrawal services.
How to apply for Citibank Credit Card on WeChat
It is suggested to handle it at the counter. The counter processing process:
1. Go to the bank outlet where the credit card is handled, or find the staff of the credit card center of the local bank to fill out the credit card application form. The contents of the application form generally include the name, basic information, economic status or income source, guarantor and its basic information of the applicant;
2. Submit certain photocopies of certificates and certificates to the issuing bank;
3. After the contents of the application form are truthfully filled in, relevant credit certificates should be submitted at the same time as the completed application form;
4. The application forms are accompanied by a credit card use contract, and the applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit a declaration of the authenticity of the information, the issuing bank's privacy protection policy, etc., and must have his own signature;
5. the credit card processing process is basically completed, and it is waiting for the credit card to be issued.
How to apply for Citibank Credit Card
To apply for Citibank Credit Card, the following conditions must be met:
Citizens of China, Hong Kong, Macao and Taiwan who have reached the age of 18;
You can apply for Citibank Gift Card with a monthly salary above RMB 3,5 before tax;
You can apply for Citibank Ritual Platinum Card with a pre-tax monthly salary of over RMB 6,5;
Fill in a complete and autographed application form and the original and photocopy of the identity certificate file (front and back of the ID card, Hong Kong and Macao residents' passes to and from the Mainland, Taiwan compatriots' certificates, passports, etc.);
providing proof of income and proof of residence will help the application to be approved.
note: after the above conditions are met, just contact the bank by phone to consult the credit card application.
is it easy to handle Citibank credit card?
Citibank, formerly known as City Bank of new york, is now 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 handle?
1. To apply for Citibank's credit card, in addition to meeting the three basic conditions of being at least 18 years old, having stable income and good repayment ability, and holding another bank's credit card for more than one year, there is also a hidden condition that the applicant's unit is required to be on Citibank's "list of quality customers".
2. That is to say, it is difficult to apply for a Citibank credit card if the applicant's work unit is just an ordinary small business or startup company.
3. There are many requirements for applying for 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 other banks when applying for a credit card for the first time. After all, a basic condition of Citibank is to hold a credit card from another bank for more than one year.
that's what I found for you about whether Citibank credit card is easy to handle. I hope I can help you.
how about Citibank credit card? Is it easy to do?
Citibank is a relatively unpopular commercial bank, with a high credit card quota and a high pass threshold. It is a bit difficult to apply, but its card looks very beautiful and high-end, so users who like it can apply for it!
conditions for applying for a card
Citibank is a foreign-controlled credit card, and the application conditions are generally strict, and the qualification requirements for customers are also very high. Children's shoes that can be successfully approved in other banks are likely to be rejected in Citibank.
repayment
Citibank does not support online repayment or Alipay repayment of other banks which are supported by other banks for the time being. The only repayment methods supported by Citibank are branch repayment and Lacarra repayment, which makes it more difficult to repay cardholders to some extent.
online banking payment
children's shoes who like online shopping should pay attention. Citibank credit card does not support online banking payment. In addition, the mobile phone client has limited functions.
Having said so many "bad words" about Citibank, are people who want to apply for Citibank credit cards discouraged? In fact, Citibank credit cards certainly have other advantages, and the approval is strict, so the amount of card approval is relatively high; There are many discounts for merchants, and there are almost all Citi's merchant activities all over the country; Counter repayment ensures the timeliness and safety of repayment.
this card focuses on its activities. Give two examples:
1. For specified types of consumption (such as eating and staying in KTV, shopping in JD.COM Yixun supermarket), you can get 3 times points. In this case, for the consumption of eating and staying in hotel KTV, the acquisition speed of air mileage is not 18: 1, but 6: 1, which instantly climbs to the peak of all credit cards!
2. There will be an integral activity within three months after the card is opened:
Together with this activity, the card will instantly belong-a special card for eating or shopping in the supermarket. If you spend a lot of money on a certain type of merchants, this card is a good choice. By the way, this card is recommended to apply for a dual-currency Master, and you will be issued a RMB UnionPay card (Gold) and a US dollar Master card (Titan