Dear customers, you can make inquiries through mobile banking, "China Bank Credit Card" WeChat official account, colorful life APP, online banking, customer service hotline and other channels.
The above contents are for your reference. Please refer to the actual business regulations.
How long will the credit card deposit be refunded?
The credit card deposit will be refunded within 3 to 5 working days. After confirmation by the bank, the deposit will automatically be released from the temporary freezing state and will return to normal within 3 to 5 working days.
CITIC Credit Card, how to refund the deposit?
At present, CITIC Bank no longer needs a deposit, and the original deposit is also directly returned to the bank card bound by the customer. There will be news in the refund. How to handle CITIC credit card users can directly bring information to the offline counter of CITIC Bank outlets.
2. You can also apply online, such as CITIC Bank official website, Mobile Banking, Credit Card APP "Mobile Phone Card Space", and official WeChat account number and Alipay life number of CITIC Credit Card. , all have application portals.
3. Requirements/kloc-A natural person between 0/8 and 65 years old, with full capacity for civil conduct, good personal credit and stable and legal work or economic resources.
Do large credit cards require a deposit?
Large credit cards do not require a deposit. Credit card companies that need to pay a deposit are all informal. If you listen to them and pay the deposit, you may never contact the "salesman" again after you pay it. I would like to remind you that if you want to apply for a large credit card, you can also submit valid financial materials such as property certificate, car purchase certificate or time deposit under your name. Moreover, it's best to go directly to your favorite issuing bank outlets, and don't covet temporary "cheapness".
How to open a credit card?
Credit cards can be handled by telephone, online banking or directly at nearby bank outlets. You need an ID card to open a card at an outlet. Please check the information, name and other contents on the credit card after you get it. After confirming that it is your own credit card, call the customer service phone of the bank credit card, and the customer service will ask your identity for verification. After answering the customer service questions, the customer service will activate your credit card and complete the credit card account opening. You can also log in to online banking to activate your credit card online, install related online banking controls, and log in and enter a password to activate your credit card online.
Do I have to pay extra for the credit card?
Compared with personal credit cards, it is free to apply for credit cards through bank channels. There is no charge for banks to activate credit cards, and the so-called deposits are basically liars. It is recommended not to be deceived to avoid losses. Institutions that collect deposits are generally intermediaries or fraud companies, so we must be cautious. The activation of the new credit card does not need to pay any fees at all. If the person who asks for deposit must be a liar, it is recommended to go directly to the bank counter or call the bank customer service phone to activate the card, which is the safest.
What are the requirements for handling a large credit card?
To get a large credit card, the cardholder must have strong repayment ability. At present, the standard for banks to apply for large credit cards is mostly the annual salary100000 yuan or more or the material proof of 500000 yuan or more. Due to the large credit limit of large credit cards, the issuing bank attaches great importance to the applicant's credit record. If personal credit is tainted, banks will certainly not be willing to issue large credit cards for them; If the applicant has a good credit record, even if the income is not high, there is a chance to successfully apply for a large credit card.
In addition, if applicants work in state-owned enterprises, commercial guarantees or government departments, it is easy to obtain large credit cards, because such applicants are high-quality customers in the eyes of banks.
The credit card used for the deposit during hospitalization, where can I refund the remaining money after checkout?
See how the deposit is deducted:
First, if the deposit was pre-authorized, that is, it occupied the card limit, but there is no need to repay it temporarily, and no details can be found, then the settlement will be made with pre-authorization, and the actual amount paid will be deducted from the pre-authorization, and the remaining part will not occupy the card limit.
Second, if the pre-authorization is made by credit card, but the payment is finally made by other means, then the amount of pre-authorization will be restored.
Third, at that time, the payment was made directly by credit card, and the details could be found when the transaction was recorded. The cardholder's repayment method is not pre-authorized, so if there is a refund, it depends on the refund method chosen by the hospital, whether it is cash refund or credit card return.
Credit card pre-authorization refers to the transaction in which the card issuer or its agent confirms the permitted frozen amount before the deduction of the special merchant. Pre-authorization will occupy the credit limit of the card. When the customer settles the pre-authorization, the pre-authorization will be cancelled. Within 30 days of pre-authorization, if the customer fails to settle the account, the pre-authorization will be cancelled.
Credit card pre-authorization is a new transaction method. Generally speaking, it is a way of advance payment, which can be understood as "deposit". When consumers book hotels or air tickets with credit cards, banks will first freeze part of the funds in the credit cards as a "margin" for merchants' consumption. After the consumption is completed, the merchant can officially deduct this part of the funds after the cardholder signs and confirms.
However, if the consumer fails to confirm the pre-authorization in time, the merchant can apply to UnionPay for the completion of the pre-authorization before the bank can transfer the funds to the merchant's account.
Credit card pre-authorization-Baidu Encyclopedia
So much for the introduction of credit card deposits.