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Is there a grace period for CITIC Bank credit cards?

The grace period for CITIC Bank credit cards is as follows: if the cardholder is unable to repay in time when the credit card is in normal condition, CITIC Bank will automatically provide a 3-day deferred repayment service, but the cardholder is required to The repayment will be received before 20:00 pm on the third day after the repayment date. If the repayment is not received after 8 pm, it will be considered overdue. For example, if the borrower's last repayment date is the 5th, it can be extended to 20:00 on the 8th.

On December 8, 2003, CITIC Bank Credit Card Center officially issued CITIC Credit Cards. As of the end of October 2006, the cumulative number of cards issued had reached nearly 2 million, ranking among the top in the domestic banking industry. Among them, CITIC Platinum Credit Card The number of cards issued ranks first in the country, and it has initially established its position and brand image in China's credit card market.

CITIC Bank Credit Card has always been aimed at serving the public, and has applied credit cards to better serve the public. Many people who have used credit cards know that credit cards are very convenient and can be used not only in large shopping malls and supermarkets in China. , and can even be used in some foreign consumption places. Credit cards greatly facilitate the general public and allow banks to gain more profits from them.

CITIC Bank credit card is one of them, but when using CITIC Bank credit card, you need to pay attention to several issues.

The first thing is to develop good consumption habits and avoid brushing off all the credit limit without restraint. The use of credit cards is because on some occasions, when the cash and bank cards on you cannot be used for normal payment, you can use the credit card. Be able to use credit cards. CITIC Bank credit cards have a certain limit. Generally, high-quality customers will have a higher limit.

Another thing to note is that when using a CITIC Bank credit card, you must repay on time. Repaying on time is a sign of a person's responsibility. If the cardholder cannot guarantee timely repayment, it is best to Don't use credit cards.

The CITIC Platinum Card will charge an annual fee after the regular card is upgraded to a Platinum Card, and it cannot be offset with points, and it will be deducted after the user confirms the upgrade, regardless of whether you open the card (Platinum Card). CITIC Bank Credit Card Center is a business department established by CITIC Bank Head Office in Shenzhen to conduct centralized operations, independent accounting, corporatization and professional management of credit card business.

CITIC Bank provides a number of financial services and can provide loans to all walks of life. Personal credit loans account for a large proportion of CITIC Bank’s loan business. In many cases, personal credit loans can be applied for installment payment , if the cardholder’s current bill amount reaches more than 800 yuan, he or she can apply for interest-free installment payment.

However, the bank’s re-installment requirements cannot be used for purchases that have been made in shopping malls and have been made after a single installment.

It should also be noted that holders of CITIC Bank credit cards can apply for interest-free installments within three working days from the current statement date to the repayment date.

If an individual wants to use the payment method after installment, he cannot change it again after determining the number and amount of installments. This requires attention. In addition, be sure to repay the loan on time to avoid creating more bad credit.