Then, let me introduce the application of this credit card. For friends who have never applied for a CITIC credit card and are in urgent need of capital turnover, it is of great benefit to apply for a CITIC Gold Card. After getting the credit card, they can apply for the cash installment business of Xinjinbao. However, if you want to apply for this credit card, you must meet the application conditions. If you master some card application skills, it is easy to get off the card. The conditions for applying for a card include: China citizens who have never applied for a CITIC credit card, are between 18 and 6 years old, hold a second-generation ID card and live in the mainland for a long time, have a good personal credit record and have a continuous and stable job and income. Credit card processing channels mainly include counter application and online application. For friends who don't have strong financial strength as the backing, the results of counter application and online application are the same. Comparatively speaking, online application is more convenient and fast. Just fill in the application page online and submit it, and wait for the bank to review it. After applying for a credit card online, the bank's review begins with the receipt of complete application materials, which is generally completed in about 7 working days. After the review is passed, the card will be made, and then the card will be mailed by free registered mail, and it will arrive at the receiving address filled in by the applicant in about 7-1 working days. Anyone who meets the above conditions can apply for this CITIC Gold Card.
Then, to evaluate the amount of credit card you can get by applying for this card, it depends on the basic situation of the individual. After receiving the application materials submitted by the applicant, CITIC Credit Card Center will make a comprehensive score. The reference items include the applicant's age, gender, unmarried, local hukou, education level, work unit, position, income certificate, bank credit report, etc. The higher the score, the higher the credit card will be. In addition, CITIC Bank has also made a rough division of the credit card quota for the applicant's reference. 1. General card: the credit line is generally between 3, and 1, RMB; 2. Gold card: the credit line is between 1, and 5, RMB. 3. Platinum card: Generally, the credit line is more than 5, yuan. CITIC Xinjinbao belongs to the gold card, so the amount is in the range of 1,-5, yuan. The specific amount depends on the basic situation of the applicant. In addition to the credit limit, there is also a cash withdrawal limit, which can reach 5% of the credit limit at the highest.
in addition to the quota, let's learn about the annual fee of this card. As a UnionPay gold card, the annual fee of this card is the same as that of CITIC Gold Card. The annual fee of the main card is 2 yuan/card/year, and you can enjoy the exemption of the annual fee for the first year if you swipe your card or withdraw it once within 3 days of card approval. Of course, this credit card can also reduce the annual fee by swiping the card number, and the annual fee for the following year can be exempted by swiping the card or withdrawing cash for a total of five times in one year. That is to say, you don't have to pay the annual fee when you apply for a card in the first year, but you don't have to pay the annual fee five times in one year, five times in the second year, and no annual fee in the third year, and so on. However, I also want to tell you the good news, that is, if you apply for the CITIC Gold Card now, you can avoid the annual fee forever. No matter whether you swipe the card or not, you don't have to worry about the annual fee.
Finally, let's take a look at other things about this credit card. Many card friends said that from the name, this credit card is easily reminiscent of CITIC Bank's cash installment business-Xinjinbao, in fact, the two are related. Xinjinka is a credit card product and a gold card product of CITIC Bank, which is characterized by the installment function of large amount of cash. After successful card application, in addition to receiving the credit card sent by China CITIC Bank, the cardholder can also apply for cash installment of Xinjinbao, and the borrowed cash will be directly transferred to the savings card in my name. "Xinjinbao" is a cash advance product provided by CITIC Bank Credit Card Center, which can be approved quickly and received in real time. This product is aimed at people who have no credit card of CITIC Bank for the time being, and have good personal credit and stable work income. It can be seen that the credit card is actually the bearing card of the credit card, and you only need to repay it to the credit card according to the bill. The above is the analysis and introduction of this CITIC Gold Card in all aspects. If you think it's good, please praise it. If you think it's not comprehensive enough, please feedback the questions you want to know, and then make it up. I sincerely hope this strategy can help you.