CITIC Bank cannot exceed the limit.

1. CITIC Bank's credit card, normal credit card transaction is not allowed to exceed the available credit card limit. However, CITIC Bank provides a small amount of credit beyond the available credit limit for some customers who use the card well, and the amount varies according to the customer's card use.

2. However, in general, excessive use of credit cards is not recommended. If it is exceeded, the excess will be returned to CITIC Bank as soon as possible, and the credit card will be overspent, and no credit card overrun fee will be charged. According to the customer service of CITIC Bank, the excess part of CITIC Credit Card will also enjoy the interest-free period.

3. CITIC Bank will not be able to exceed the credit card limit unless it actively applies for the temporary limit. However, banks offer customers two ways to increase the temporary limit. One is that customers take the initiative to apply through the customer service center, and the other is to automatically increase the temporary quota before important festivals. Either way, customers will receive SMS notifications.

Extended data:

On June 8, 2003, CITIC Bank Credit Card Center officially issued CITIC Credit Card. By the end of June, 2006, the cumulative number of credit cards issued was nearly 2 million, ranking first in the domestic banking industry, among which CITIC Platinum Credit Card ranked first in the country, initially establishing its position and brand image in the credit card market in China.

Matters needing attention

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.

If an individual wants to pay by installments, he can't change it after determining the number and amount of installments. This needs attention. In addition, we must repay in time to avoid more bad credit.

As one of the pioneers in the domestic credit card industry, CITIC Credit Card has made remarkable achievements in 2006, and all business indicators such as card issuance, transaction volume and business income have reached record highs.

In 2006, CITIC Credit Card won the "Top Ten Most Trustworthy Bank Cards in China in 2006" in the third "World Financial Lab Annual Award" sponsored by World Managers Weekly, World Financial Lab and Wall Street Telecom website.

In the "Observation and Evaluation of Credit Card Industry in China" sponsored by He Xun. Com, CITIC Credit Card stands out from 14 evaluation banks, and won the second place in China's comprehensive credit card evaluation score in 2006 and the "Best User Experience Award in China's Credit Card Evaluation in 2006" for its excellent performance in handling fees, card service, functions and value-added.

Citic Magic Gold Card won the "Most Valuable Female Credit Card Product Award" issued by VISA International Organization and the third prize of "2005-2006 China Outstanding Marketing Award" sponsored by Economic Observer. CITIC Platinum Card was selected as "Top Brand List of China" in 2006; CITIC Bank Credit Card Customer Service Center won the title of "Best Call Center in China in 2006" for its thoughtful and meticulous service?

Providing customers with a safe, fashionable, caring and distinguished credit card is the unremitting pursuit of CITIC Credit Card. In addition to the basic functions of ordinary credit cards, CITIC Credit Card also provides many personalized services with leading functions such as "24-hour global 800 free customer service hotline", "24-hour SMS notification service", "free accident hospitalization medical insurance" and "free global travel traffic accident insurance".

In the face of fierce market competition, CITIC Bank Credit Card Center will continue to adhere to the business philosophy of coordinated development of efficiency, quality and scale, uphold the belief of constantly improving product functions and service levels, provide customers with safer, faster and more valuable credit card repayment, and strive to build CITIC Credit Card into a first-class financial service brand.

References:

CITIC Bank Credit Card _ Baidu Encyclopedia

What should I do if the credit card (debit card) limit of CITIC exceeds the limit?

CITIC's credit card (debit card) exceeds the limit, generally because it is controlled by the wind. Under the controllable risk, users can normally swipe their credit cards (debit cards) on POS machines in large supermarkets. However, due to overdue or suspected withdrawal, it was controlled by the wind. As long as you swipe your card (debit card) to remind you that the amount exceeds the limit, then you should take the initiative to apply for cancellation of the risk control status. After the status is released, credit cards (debit cards) can be used normally.

Therefore, after the user's card is controlled by the wind, he should take the initiative to apply for canceling the risk control and submit the relevant information to CITIC Bank for review, so as to truly solve the problem.

The available credit card limit of CITIC Bank is negative. What does that mean?

The available credit card limit of CITIC Bank is negative (that is, the credit card limit exceeds the total credit card amount). There is no charge for exceeding the limit, and the credit history is not affected. You can temporarily return the excess first. Exceeding the limit may affect the handling of some businesses, such as checking repayment through ATM, restoring the available limit after repayment and returning to normal the next day.

Several situations and consequences of negative credit card limit;

I. Expiration of temporary quotas

When there is a temporary credit card limit, the displayed total amount = fixed limit+temporary limit. If a temporary quota is used, but the quota expires before it is paid off, the total amount will become negative.

Because the temporary quota needs to be paid off in one lump sum, installment and minimum repayment amount cannot be handled. After the temporary quota is paid off, the quota display returns to normal.

Second, the over-limit use quota

If the cardholder runs out of credit limit when using the credit card and exceeds the overdraft limit, the cardholder's credit limit will also be displayed as negative before repayment.

In addition, some credit cards also have the 10% limit, that is, the total amount of credit cards you can use is actually 1 10%, so the extra 10% will be displayed as a negative number. It should be noted that the overrun amount does not enjoy the interest-free period, and there is a high overrun fee. Frequent over-limit card swiping will also make the bank's risk control more sensitive, although it is generally not recommended to over-limit card swiping.

Three. Overpayment

If the cardholder deposits money into the credit card, or the repayment amount exceeds the consumption limit, there will be credit card overpayment, and this amount will also be shown as negative. After using the credit card, the overpayment is also deducted first. In this case, you only need to swipe your card to spend the excess amount, and then deduct the amount in the card.

Fourth, the amount of reduction.

Even if the credit card suddenly decreases, the amount decreased is lower than the amount spent, and it will be displayed in negative form, and it will return to normal after repayment.

5. Minimum repayment penalty interest or overdue fee

The interest on the minimum repayment amount is called "full penalty interest". Some cardholders have used the minimum repayment function. If the credit card is overdrawn and a penalty interest is incurred, the available amount will be displayed as a negative number when the next bill is charged at sunrise.

In addition, if the cardholder's quota has been brushed up and fails to repay in time, overdue fines, penalty interest and other expenses will occupy the quota, resulting in the cardholder's credit card quota being negative.

What are the consequences of negative credit card limit?

Generally speaking, there will be no adverse consequences if the credit card limit is negative, as long as it is repaid as soon as possible, but there will be an over-limit fee for over-limit use.

Will the credit card limit be negative at the meeting?

Credit card negative limit is not directly related to credit reporting, and is generally not used for credit reporting. However, if the repayment is overdue, it will be reported to the credit bureau.

What does the credit card display of CITIC Bank mean and how to solve it?

Refers to the consumption exceeds the trading limit, and the solution is as follows:

1. On the mobile phone desktop, open the CITIC Bank app.

2. After opening the CITIC Bank app, click the place indicated by the arrow in the upper left corner of the page.

3. Next, click Login.

3. After logging in, click the credit card indicated by the arrow.

4. On the credit card page, click the transaction limit.

5. On the following page, adjust the trading limit and click Save.

How does CITIC open the over-limit function? You'll know after reading it

Many banks' credit cards have a special service, which is to exceed the credit card limit, and cardholders can spend more than the credit card limit. However, different banks have different regulations on over-limit services. Some banks do not support over-limit credit cards, and some banks can use over-limit credit cards, but cardholders need to apply for opening them. So, how does CITIC turn on the overrun function? Let's have a look.

1. Does CITIC Bank have an overrun function?

This should be divided into two situations, mainly according to customers.

If it's just an ordinary customer, I'm sorry, I can only spend my credit card within the credit card limit. If the limit runs out, I can't swipe my card. Simply put, there is no limit.

If it is a high-quality customer with a good card, there may be an overrun limit, and no overrun fee will be charged after using the overrun limit.

In a word, whether the credit card of CITIC Bank can be used beyond the limit and how much it exceeds the limit are all comprehensively evaluated by the bank according to the customer's card use.

2. How does CITIC open the overrun function?

This does not need to be opened. If it is a high-quality customer, CITIC will grant a certain amount of excess by default, and the cardholder can use the card without applying.

If you don't know whether there is an over-limit limit, you can swipe the available credit card limit and go directly to the card space of CITIC Bank to check the limit. It is said that if a negative number can be displayed with a line, it means that the over-limit line has been used.

The above is the related introduction of "How CITIC opens the overrun function". In short, not everyone in CITIC Bank's credit card has the function of exceeding the limit. If the credit card has a limit, it is recommended not to use it. After all, the quota needs to be paid off in one lump sum, so the quota is risky, and it will be more troublesome if it is used up.

How to open the credit card limit of CITIC?

This should be divided into two situations, mainly according to customers.

If you are just an ordinary customer, you can only spend your credit card within the credit card limit. If the limit is used up, you can't swipe your card. Simply put, there is no limit.

If it is a high-quality customer with a good card, there may be an overrun limit, and no overrun fee will be charged after using the overrun limit.

In a word, whether the credit card of CITIC Bank can be used beyond the limit and how much it exceeds the limit are all comprehensively evaluated by the bank according to the customer's card use.

The overrun function does not need to be enabled. If it is a high-quality customer, CITIC will grant a certain limit by default, and the cardholder can use the card without applying.

Credit card limit, also known as credit card available limit, refers to the maximum amount of credit card you can use, including credit limit (that is, the maximum overdraft limit of credit card) and the amount deposited in credit card.

The amount of any credit card depends on the effective income provided by the individual during the application process and the value of the asset guarantee. The credit limit of a credit card is positively related to the applicant's income and secured assets, that is, the higher the income and secured assets, the higher the credit limit. Therefore, the applicant must provide proof of income, provident fund social security and asset guarantee statement. Asset guarantee includes fixed assets such as real estate and automobiles, as well as current assets such as savings and bonds.

Skills of improving credit card limit

First, continuous and frequent credit card consumption

Persistence means that after you have a credit card, you should insist on long-term credit card consumption. It is best to have a credit card spending limit every month for more than three consecutive months. Don't freeze it for a long time.

Frequent consumption means spending anywhere you can swipe your card, regardless of the amount. The more credit card times and services, the better. If you swipe your card at one time, it is easy for the bank to think it is suspicious and it is difficult to increase the quota.

Second, pay attention to the credit card limit and temporary withdrawal.

Pay attention to the credit card limit and make full use of temporary withdrawals.

Third, stick to application and seize the opportunity of application.

Insist on applying and seize the opportunity to apply, and have both. For credit card users, you can insist on applying by phone to increase the credit card limit, because different customer service or staff have slightly different attitudes and principles in handling this application. Maybe the last one failed and the next one passed. Sticking to the record left by telephone application will also help to increase the application amount in the future.

4. Threaten to use the cancellation card or suspend sleep.

Threaten to use a pin card or suspend sleep. When your application has been rejected many times, you can consider using this trick. Tell the customer service or staff of the bank directly that if the credit card limit cannot meet the actual needs, you will consider returning the card. It is best to present some facts, of course, the attitude should not be too bad, and it is best to combine hard and soft, so that it is easy to get room for discussion and consultation.

This is the end of the introduction of CITIC Credit Card. What does it mean? Did you find the information you needed?