Why do I have two CITIC credit cards, one with a limit of 3,000 and the other with a limit of 2,000?

1. Because the first card you just applied for has not been used for long. Then you apply for a second one. So it is normal for the second one to have a smaller amount than your first one. 2. In China, the credit card limits of all banks are exclusive, subject to the highest limit. In other words, with two cards, the limit you can use is 3,000.

I applied for two credit cards with CITIC? Two credit cards? Is the quota exclusive to ***?

Yes. All CITIC Bank credit cards under the same customer's name (including the main and additional cards of the combined account) have exclusive quotas. Even if you apply for multiple credit cards, the limit will not be accumulated.

For example: Suppose your personal limit is 10,000 yuan, and you have two credit cards from our bank. Both cards use your personal limit of 10,000 yuan. If card A has used 4,000 yuan, B The card can only use the remaining 6,000 yuan.

Credit cards, also called credit cards, are credit certificates issued by commercial banks or credit card companies to consumers with qualified credit. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

Main features:

(1) Pre-deposit of cash is not encouraged, consumption is done first and repayment later, interest-free repayment period is available, and repayment can be made in installments (with a minimum repayment amount) , join VISA, MasterCard, JCB and other international credit card organizations for global use. (2) It is one of the fastest growing financial services today and is an electronic currency that can replace traditional cash circulation within a certain range. (3) It has both payment and credit functions. Cardholders can use it to purchase goods or enjoy services, and can also obtain certain loans from card issuers by using their credit cards. (4) It is a high-tech product integrating financial business and computer technology. (5) It can reduce the use of cash currency. (6) It can provide settlement services to facilitate shopping and consumption and enhance a sense of security. (7) It can simplify the collection procedures and save social labor force. (8) Can promote product sales and social demand.

The credit card must have at least the following information:

Front: name and logo of the issuing bank, credit card number (organization logo) and holographic anti-counterfeiting mark, name in English or Pinyin, date of activation (generally calculated to months), validity date (generally calculated to months), the latest issued card is equipped with a chip on the front, and the chip account and the card magnetic stripe account are two relatively independent accounts.

Back: card magnetic stripe, cardholder signature field (signature required after activation), service hotline number, last four digits or all of the number (to prevent fraudulent use), credit card security code (on the back of the credit card) On the signature line, the three digits immediately following the last four digits are used for credit card activation, password management, television, telephone and online transactions, etc.).

Hello, two credit cards, CITIC Bank credit cards, are equal to two cards, or do two cards have one limit?

CITIC Bank credit cards under the same customer name (including mergers) The main account and additional cards) all have exclusive quotas. That is to say, the limit of applying for multiple credit cards will not be accumulated.

For example: Suppose your personal limit is 10,000 yuan, and you have two credit cards from our bank. Both cards use your personal limit of 10,000 yuan. If card A has used 4,000 yuan, B The card can only use the remaining 6,000 yuan.

Extended information

CITIC Credit Card Annual Fee

1. Platinum Card Premium Card: RMB 2,000 for the main card; RMB 1,000 for the supplementary card.

2. Elite card main card: RMB 480; supplementary card: RMB 240.

3. Titanium card main card: RMB 480; supplementary card: RMB 240.

4. Gold card main card, dual currency card: RMB 300; RMB single currency card: RMB 200.

5. Additional card dual currency card: RMB 150; RMB single currency card: RMB 100.

6. Main card: RMB 100; supplementary card: RMB 50.

If you swipe your card or withdraw cash once within 30 days of card approval, you will be exempted from the annual fee for the first year. If you swipe your card or withdraw cash a total of 5 times within a year, you will be exempted from the annual fee for the next year. No fees will be charged if the credit card is not activated (note: CITIC Infinity Credit Card, Air China World Credit Card, Platinum Credit Card, Magic Titanium Card, and Annual Fee Package Card are excluded).

CITIC Credit Card Center - Is the CITIC Bank credit card limit exclusive?

The first CITIC credit card is 2,500. Will the limit of the second CITIC credit card be higher than the first one?

No, the credit card limit of the same customer in the same bank is exclusive. Even if you have ten CITIC credit cards, their total limit is only 2,500 yuan.

Is there a limit when applying for a second CITIC credit card?

The limit for a second CITIC credit card may not necessarily be higher, because applying for a second card requires re-examination. The reference factors are: The key to the usage of the first card is still based on the applicant's current credit conditions, and it is also related to the card level of the second card.

If the second card has a higher level than the first card, the applicant uses the first card well, has the ability to repay, has strong spending power, has low debt, and can apply for the card through the curve, the second card will be applied for. The limit of the second card is likely to be higher, and the specifics will be subject to the system evaluation results.

Credit card is one of the fastest growing financial services today. It is an electronic currency that can replace traditional cash flow to a certain extent; credit card has both payment and credit functions. Cardholders can use it to purchase goods or enjoy services, and can also obtain certain loans from card issuers by using their credit cards.

Credit card limit, also known as credit card available limit, refers to the maximum amount that can be used by your credit card. It includes credit limit (that is, the maximum overdraft limit of a credit card) and the amount deposited into the credit card. .

The limit of any credit card depends on the effective income and asset security value provided by the individual during the application process. The credit limit of a credit card is positively correlated with the applicant's income and secured assets, that is, the higher the income and secured assets, the higher the credit limit obtained. Therefore, applicants must provide proof of income, provident fund social security, and asset guarantee statements. Asset guarantees include fixed assets such as real estate and cars, as well as current assets such as savings and bonds.

Although banks emphasize the interest-free period when popularizing credit cards, most people do not understand the rules of the interest-free period very clearly, and thus spend a lot of money. Maybe this is nothing in real life, but banks don't think so. If consumers don't repay in full, they must pay interest and do not enjoy the interest-free period (daily interest = interest rate on the remaining outstanding amount of the day). It is recommended that everyone repay the loan in full to avoid greater losses.

Every credit card has a hidden over-limit limit. When you max out your credit card, it is easy to use the over-limit limit. Once you use the over-limit limit, it means you have to pay a high amount. over-limit fee. Many consumers are not able to grasp the purchase process well and often max out their credit cards. It is recommended that you apply to the bank in advance to increase the temporary limit. This will not only avoid maxing out your credit card, but also increase your credit limit.

In daily life, we often encounter situations where things don’t work. At this time, we can choose to pay the minimum repayment limit, so as to ensure that our personal credit record will not be affected, and at the same time, we will not incur too many late fees. However, special attention should be paid to the fact that the minimum repayment amount must be paid in full, otherwise you will encounter high late payment fees.

I already have a CITIC Bank credit card and then applied for another one, but why is the available limit the same as the previous one?

The limits of both cards are for *** use. It is the same when applying for ten cards. It is useless if you have more than one card. If you cancel one card, some will charge an annual fee. Both cards will be charged. . If your new credit card is also from CITIC, the limit will remain the same as before. The limit will not be increased just because you apply for a new card. It’s exclusive

: China CITIC Bank, formerly known as CITIC Industrial Bank, was founded in 1987 and changed to its current name at the end of 2005. CITIC Bank is one of China's national commercial banks, headquartered in Beijing, and its main shareholder is CITIC Limited.

Each bank can only apply for one credit card, and the second one has the same credit limit as the first one.

If your current credit card limit is 100,000, and you apply for a credit card from the same company in the future, the combined limit of your two cards will also be 100,000. If you are in the same bank and have multiple credit cards, the limits of these credit cards It is exclusive to the credit card with the highest limit. For example, the first credit card is A with a limit of 25,000, and the second credit card is B with a limit of 30,000. Then the two credit cards A and B enjoy B's 30,000 limit. If A swipes 25,000, then B's available credit limit is 5,000. If A swipes 30,000, then B can no longer swipe his card for consumption because the credit limit has been used up.

1. "Exclusive limit" means that all credit cards held by the same cardholder use the same limit. For example, if you hold 5 credit cards from a certain bank with a credit limit of RMB 10,000, then these five credit cards will use the same credit limit of RMB 10,000. When you use a certain card to make an overdraft consumption of RMB 2,000, you will use other Four cards can also be used for overdraft consumption of 8,000 yuan.

2. Limit sharing means that credit cards of the same bank and the same brand share the same limit (usually the maximum limit of one of the cards). Although several cards have their own limits, Card limit, but the total overdraft amount in use cannot exceed the exclusive limit of this brand of credit card.

This ends the introduction about the limit of CITIC’s second credit card and how much the limit of CITIC’s second credit card is. Did you find the information you need?