1. What is CITIC Express?
CITIC New Express is now a cash installment business. You don't need to mortgage any asset certificates, interest and paper materials, and you can borrow at a low cost. Credit card holders of CITIC Bank apply by computer, mobile phone or telephone for real-time approval, and the money will be transferred to the applicant's debit card or CITIC Blue Card account in real time. Its advantages are: it will not occupy the credit card limit after use, and it can also borrow money circularly.
2. Ways and procedures for handling CITIC Express:
1, CITIC Bank's customer service initiative telephone invitation was launched: telephone invitation is only for selected high-quality cardholders.
2. CITIC credit card holders directly call customer service to apply for opening.
3. Bring your valid personal certificate and apply for opening at any counter of China CITIC Bank.
3. CITIC's new quick opening skills
Generally, new users will not issue new cash limits until six months after using credit cards, and some will have them in a month or two, but some cardholders have not issued new cash limits after using their cards for a long time.
If you fail to apply for the cash limit of CITIC New Express, you can try the following forced opening techniques:
1. Maintain a low debt ratio and be easily listed as a quality customer by CITIC Bank;
2. Early repayment on the billing date is conducive to personal comprehensive score;
Don't rush to use your dream money, you will have a chance to change it in a few days;
4. Keep a good record of card use, use more cards, take the initiative to apply for cash withdrawal, and occasionally use credit cards in installments.
As long as you are a CITIC credit card holder, have good credit conditions and master certain account opening skills, you can apply for a new cash limit for American Express.
4. Can CITIC New Express still apply after paying off?
If the cash quota of the new express line can be recycled, even if the cash quota of the new express line is fully applied, some of the quotas will be restored with the repayment of each installment, and all the quotas will be restored after settlement. As long as there is an available quota, you can apply again. In fact, even if it is not paid off, it is still the same.
However, although in principle, it can be borrowed again if there is an available quota, in fact, the New Express now adopts a circular review system, and each application needs to be re-reviewed. Whether it can be borrowed again after it is paid off depends on several factors:
1. Is there a quota for the New Express?
The amount of new quick money is not fixed and will change with the cardholder's card use and repayment. Although some cardholders have paid off the cash of the New Express, there may be a situation where the quota is gone, so it is naturally impossible to borrow it.
2. How about repayment?
The borrower repays the loan in time, has a good personal credit, a good credit card record, no obvious adverse changes in personal information, and can apply again if there is an available amount.
3. Comprehensive credit extension failed.
This situation means that you can't borrow any more for the time being. It is suggested not to prepay regularly, which may make the bank think that the borrower is not short of money, so it will give the quota to those who need it more.