Credit cards of CITIC Bank all have annual fees, but we can reduce them in some ways. As for the annual fee-free policy, ordinary credit cards of CITIC Bank can enjoy the annual fee-free for the first year if they swipe their cards or withdraw their cash once within 30 days of card approval, and the annual fee-free for the next year if they swipe their cards or withdraw their cash five times within one year. There is no charge if the credit cards are not activated.

However, except CITIC Unlimited Credit Card, Air China World Credit Card, Platinum Credit Card, Magic Titanium Card and annual fee products, these cards do not enjoy the preferential policy of annual fee, and they also charge an annual fee when they are not activated.

Credit card annual fee of CITIC Bank: Many people think that the annual fee is generally deducted at the end of the year, but in fact, the annual fee cycle of credit cards is not a natural year, but the annual fee collection time is calculated according to the card opening date. It is understood that the annual fee deduction time of each bank is quite different, and CITIC Bank will postpone the card opening date for 60 days as the annual fee collection time.

CITIC Bank's credit card has always been aimed at serving the public and will serve the public better in the future. Many people who have used credit cards know that credit cards are very convenient, not only in domestic supermarkets, but also in some foreign consumer places. Credit cards have greatly facilitated the general public and enabled banks to make more profits from them.

CITIC Bank credit card is one of them, but there are several problems to pay attention to when using CITIC Bank credit card.

First of all, we should develop good consumption habits and not brush off all credit lines without restraint. Credit cards are used because on some occasions, when cash and bank cards cannot be paid normally, CITIC Bank's credit cards have a certain amount, and the amount of ordinary quality customers will be higher accordingly.

In addition, it should be noted that the credit card of CITIC Bank must be repaid on time. Paying back on time is the embodiment of a person's sense of responsibility. If the cardholder can't guarantee timely repayment, it is best not to use a credit card.

CITIC Platinum Card will charge an annual fee after upgrading from Puka to Platinum Card, which cannot be offset by points. It will be deducted after the user explicitly upgrades, 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 operation, 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 in the loan business of CITIC Bank. In many cases, individual credit loans can apply for installment payment. Cardholders can apply for interest-free installment payment if the current bill amount reaches 800 yuan or above.

However, consumers who have spent money in shopping malls and made a single installment cannot use the bank's request for re-installment payment.

In addition, it should be noted that the cardholder of CITIC Bank's credit card can only apply for interest-free installment payment within three working days after the current bill date and before the repayment date.

How much is the annual fee of CITIC Bank's dual-currency credit card?

Annual fee standard for dual-currency credit card of CITIC Bank:

The annual fee for the main card of Puka is 100 yuan, and the annual fee for the auxiliary card is 50 yuan. The annual fee of the main card of the gold card reaches 300 yuan, and the annual fee of the auxiliary card reaches 150 yuan.

There are certain preferential policies when paying the annual fee. For example, after the credit card is approved, both the ordinary card and the gold card only need to spend or withdraw the amount within one month, so the annual fee for the first year can be exempted. You only need to spend a certain number of times with your credit card to get rid of the annual fee.

For more information about the annual fee of CITIC Bank's dual-currency credit card, please visit: See More.

Is there an annual fee for the credit card of CITIC Bank?

There is an annual fee.

Annual fee-free policy: Puka Gold Card will be exempted from the annual fee of the following year for five swipes (swiping the card within 1 month after the card is approved 1 time will be exempted from the annual fee of the first year).

1. Platinum card, distinguished card and main card: RMB2,000; Supplementary card: 65438 yuan+0,000 yuan.

2. Elite Card and MasterCard: RMB 480 yuan; Supplementary card: RMB 240 yuan.

3. Titanium card and main card: RMB 480 yuan; Supplementary card: RMB 240 yuan.

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

5. Supplementary cards and dual-currency cards: RMB 150 yuan; Rmb single currency card: RMB 100.

6. Puka and main card: RMB 100; Supplementary card: RMB 50 yuan.

If you swipe your card or withdraw cash 1 time within 30 days of card approval, you will be exempted from the annual fee for the first year, and if you swipe your card or withdraw cash five times within one year, you will be exempted from the annual fee for the next year. There is no charge if the credit card is not activated (note: except CITIC Unlimited Credit Card, Air China World Credit Card, Platinum Credit Card, Magic Titanium Card and Annual Fee Package Card).

Extended data

The credit card installment payment of CITIC Bank is as follows:

1. Shopping center installment payment

When cardholders go to shopping places, such as "shopping malls", they can shop by stages. When you check out, you need to pay by installment with a credit card supported by the mall. Then the cashier will swipe the card on the special POS machine according to the number of periods required by the cardholder (such as 3 periods, 6 periods, 12 periods, etc.). There are also a few shopping malls that support the 24 th issue).

2. mail order installment payment

The cardholder receives the installment mail order catalog manual sent by the issuing bank (or the online installment mall of the bank) and selects from the limited commodities. Then the bank orders in installments through online installment mall, telephone or fax installment application form, etc.

3. Bill installment payment

All issuers can basically support this staging method, and the application is simple. Users only need to apply to the issuing bank for installment by phone after spending their credit cards and before sending monthly bills. However, it should be noted that banks will stipulate some special circumstances, such as speculative credit cards can not be successful in installments.

Baidu Encyclopedia-China CITIC Bank Credit Card

Is there an annual fee for the credit card of CITIC Bank?

Under normal circumstances, credit cards need to charge an annual fee. According to the grades of credit cards, the rules for charging annual fees are different. The so-called annual fee-free credit card is a preferential policy introduced by the bank for credit cards, that is, users who apply for credit cards can enjoy the annual fee-free discount, and there is no need to pay the annual fee after the credit card is successfully activated.

1. How to waive the annual credit card fee?

If the credit card annual fee has been generated, it can be cancelled, and the deducted annual fee can be refunded as long as the cardholder can fully cover it within one month after deducting the annual fee; As for those credit cards that charge a rigid annual fee, if the annual fee is generally reduced, it can only be deducted through points.

2. What should I do if I deduct the annual fee from the useless credit card?

Because the credit card was not used, the annual fee was not met, and the annual fee was generated. After being deducted by the bank, if the issuing bank stipulates that the annual fee can be refunded, the customer can make up the fee within the time specified by the bank, and the bank will refund the annual fee to the user as long as the number or amount required by the bank can be completed.

For example, the annual fee of a credit card held by a customer stipulates that the annual fee can be waived by swiping the card six times a year. After deducting the annual fee, the bank can refund the annual fee if the number of swipes is enough within one month. After the customer is charged the annual fee, the bank will refund the deducted annual fee to the user as long as he swipes the card six times within one month after deducting the annual fee.

If the issuing bank does not have this provision, after the deducted annual fee is included in the bill, the customer should remember to repay in time before the due repayment date (inclusive) to avoid overdue. In fact, customers can usually use their cards more. For example, gold cards and ordinary cards can be exempted from the annual fee by swiping them several times a year, and the conditions for exempting the annual fee are still very simple.

3. Can the annual fee of CITIC be waived if it has already been incurred?

If it is not a rigid annual fee, then the annual fee already incurred can be applied for reimbursement. If the annual credit card fee is rigid, there is no way to reduce it. Users must pay the rigid annual fee on time. If the user fails to pay the annual fee, the credit card will expire. After the credit card is overdue, overdue records will be collected at the meeting, which will adversely affect the user's credit. When applying for CITIC Credit Card, the annual fee standard of the card is generally specified in detail. If you don't want to pay the annual fee, you can try to apply for a gold card or a universal card.

How much is the annual fee for CITIC Credit Card?

Most credit cards of CITIC Bank have annual fees, but they can be exempted from annual fees as long as they meet the requirements.

I. Standard of annual credit card fee of CITIC Bank:

Ordinary CITIC Credit Card: the annual fee of the main card is 65,438+000 yuan, and the annual fee of the auxiliary card is 50 yuan;

Gold card of CITIC Credit Card: the annual fee of the dual-currency card is 300 yuan, the single-currency card is 200 yuan, the dual-currency card is 150 yuan, and the single-currency card is 100 yuan;

CITIC Platinum Credit Card: the annual fee of the distinguished card is 2000 yuan, the annual fee of the distinguished card supplementary card 1 000 yuan, the annual fee of the elite card main card 480 yuan and the annual fee of the elite card supplementary card 240 yuan.

Two. China CITIC Bank Credit Card Free Annual Fee Policy:

The annual fee of the current year can be waived if the credit card of CITIC Bank is swiped once a month, and the annual fee of the following year can be waived if it is swiped five times a year.

There is no annual fee-free policy for CITIC Bank Platinum Card. You must pay an annual fee in the first year, and you can exchange credit card points for annual fees in the second year.

Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

main feature

① Credit card is one of the fastest-growing financial services, and it can replace the traditional cash circulation in a certain range;

② Credit cards have both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers;

Credit card is a high-tech product integrating financial business and computer technology.

Credit card can reduce the use of cash and currency;

⑤ Credit card can provide settlement service, which is convenient for shopping and consumption and enhances the sense of security;

⑥ Credit card can simplify the collection procedures and save social labor;

⑦ Credit cards can promote commodity sales and++social demand.

Financial management strategy

1, control the number of credit cards, enough is enough.

Once there are too many credit cards, it is easy to get the repayment date of this card wrong and forget the credit limit of that card, which is difficult to manage, and it is easy to cause overdue repayment and leave a bad record. Moreover, multi-card credit card points, too scattered points are not conducive to redemption of gifts. Therefore, it is suggested that only 1~2 credit card is enough.

2. Keep credit card vouchers

Most credit card holders don't care about these documents, and they won't keep them. Most of them are thrown away, which is a very bad habit. In fact, keeping good credit card vouchers is not only convenient for summarizing consumption records every month, and then analyzing and optimizing consumption habits, but also helpful for improving the rationality and transparency of credit card consumption, so as to clearly understand credit cards. Moreover, many people's credit cards do not have passwords, and discarding credit card vouchers at will may lead to the theft of credit cards.

For safety reasons, it is best to keep credit card vouchers after consumption, so that you can know fairly well and develop good credit card financial habits.

3. Reduce cash withdrawals

Credit cards have two functions: overdraft and cash withdrawal, but cash withdrawal requires a certain percentage of handling fees, and even if you deposit your own money, you have to charge. So it's not cost-effective to use+++and use it as a passbook.

Step 4 choose the right credit card

The choice of credit card is very important. Nowadays, many commercial organizations have bundled cooperative business with banks. For example, they can set up a joint credit card of a department store and the corresponding bank, and they can spend points here as members and get discounts. Or some cards can be discounted at designated merchants, including eating, watching movies, towing services, etc. , there are many names, and you can choose freely according to your own needs. Use your credit card well and choose it well.

So much for the introduction of the annual credit card fee of CITIC Bank.