Xiaobai 2 co-branded cards issued by CITIC Bank and JD Finance have dual rights and interests. When the cardholder uses the credit card to spend money, the system will deduct money from the white account or credit card account according to the credit card amount. Below, I would like to introduce the double quota of CITIC Xiaobaiwo Co-branded Card for your deeper understanding.

Instructions for the use of dual credit lines of CITIC Xiaobaiwo co-branded card:

1, credit card consumption amount

2. The amount of credit card spending is ≥200 yuan, and the account limit of Xiaobai two cards is used;

When the available amount of Xiaobai account is insufficient, all the consumption amount will be paid by Xiaobai Erka account. When the balance of Xiaobai's two cards is also insufficient, the transaction will fail.

In addition, the transaction of two co-branded cards of CITIC Xiaobai failed, and this situation also exists:

Assuming that the credit line of CITIC Xiaobai's two co-branded cards held by cardholder Xiaobai is 2,000 yuan, and the credit line is 1000 yuan, if Xiaobai wants to spend more than 2,000 yuan by swiping the card at one time, it is not allowed, because the credit line of Xiaobai's two cards is capped at 2,000 yuan.

However, the cardholder can discuss with the merchant and swipe the card several times, but in order to avoid bank risk control, it is not advisable to divide it too many times. If the commodity price is 2 150 yuan, you can brush 150 yuan first and then brush 2000 yuan.

Through the introduction of dual credit line of CITIC Xiaobaiwo co-branded card, cardholders can arrange their own expenses reasonably and maximize the overdraft credit line when spending their cards on a daily basis.

CITIC Xiaobai has two co-branded cards to apply for conditional credit cards, which can be applied by ordinary people.