The card circle is not peaceful, and rumors about CITIC have been circulating recently. Some people say that CITIC has changed its risk control model, frequently lowers quotas and blocks cards, and even releases online pictures to prove it. Ka Niu got up shivering at night and exchanged 50,000 miles. The result was uneventful. Maybe I overestimated myself. Hundreds of thousands of points didn't belong to the DLB camp at all.
So everyone, please be patient and don’t let the slightest disturbance disrupt your position.
Let’s talk about how CITIC plays.
Time to start
It is recommended that cardholders with low configuration should first apply for CITIC, and those with high configuration can apply for CITIC. The reason is that CITIC's approval rate and first-card credit limit are both relatively high. Ordinary customers should apply earlier to enhance their confidence and competitiveness. High-quality customers can first overcome some stingy banks before recommending CITIC, and the credit limit is generally not much lower.
Credit report performance
Each time you apply for a credit card, you will be checked for credit, but a maximum of 1 credit card will be approved per month; after basically no loans, separate accounts and repayments will be made separately. You understand this content yourself, and welcome any additions or corrections.
The limit can be adjusted, the repayment to the wrong card can be adjusted, the overpayment can be withdrawn for free, and the customer service phone number can be solved.
Some people say that CITIC’s limit of 20 cards has been exceeded. I don’t know whether it is true or not, and there is no point in testing it.
Definition of new customers
Customers who have never held a CITIC card or supplementary card
Customers who only hold CITIC Blue Card
And customers who have canceled all their cards for more than 180 days
Cancellation of cards
Due to some mysterious force, CITIC can only cancel cards but not accounts. When you want to cancel the card, the customer service will communicate with you and say that you will be free of annual fees for life and keep it as a backup card (platinum cards are rare)
It seems that CITIC is very averse to canceling the card. Some people cancel the card and cancel too much. Black Room, Card Girl also couldn’t get a bookmark card after selling 2 cards in a row, and IHG cards were all approved.
It is recommended that you think carefully when applying for a card and do not cancel it easily. Believe it or not, sail carefully and the boat will be sailing for ten thousand years.
First Card Selection
Some people say that you don’t need to worry about the first card, as you can eliminate it if you collect the new household gift. I tend to choose some cards that have both new user benefits and holding value to open the way. One card can be used until the end, and it will start well and end well. Of course, it is better to indirectly prove personal strength. For example, Kaniu applied for a naughty gold card through Taobao. Because the naughty value is high, the credit limit is quite good.
In the same way, there are Yue Card Gold, Car Owner Gold, and the magic series that have recently been launched. They are all cards that can be never abandoned regardless of whether they are poor or rich, sick or healthy. If you reach the Ctrip ticket purchase standard (15-30 times), you can apply for Ctrip Platinum or Ctrip Diamond as your first card, and the annual fee for the first year will be waived.
If you are guaranteed to get wool worth more than 400 yuan, I won’t stop you from choosing other cards.
As for the magic card Yi Xiaobai, I don’t know what adjustments will be made after the 3.31 deadline. Those who haven’t applied for the card can wait for the new announcement before making plans. This card has a typical wool color, and the review is strict. It is not easy to approve the first card. The same goes for the second card. Some people have higher credit limits on their existing cards, but they tend to have their cards declined. There is no way around it. I can only suggest that you use the card well for a while, or wait until the grave is dug.
Use the card
A common combination is Yi Xiaobai Naughty Gold IHG Gold
Yi Xiaobai: If your assets meet the standard, you can enjoy 3/6/9 times offline consumption Points and gameplay will be adjusted so I won’t write much.
Naughty Gold: Alipay quickly pays multiple points, and the points multiple is defined by the Taobao membership level on the 25th of each month. Earn 2 times the basic points for consumption, and the remaining points will be given away after the bill date. You can have a quickie on the 9th and 19th of every month.
IHG Gold: How to play as shown in the picture, now you will receive 1,000 Priority Club Rewards points for the first purchase, not the 5,000 in the picture.
After placing the card, you need to call customer service to match the gold card membership, which lasts for one month Done within. Points are automatically credited to your account every month, no need to rush.
When booking, remember to book through the IHG APP (top left corner - Discount - IHG Co-branded Card) to enjoy the 15% discount on the co-branded card and in some cases before 6 o'clock on the day of check-in
Free cancellation, very flexible, many people don't know .
IHG often offers a choice between benefits and room upgrades. There is no such thing as a lounge when staying in a suite. It is said that some suites are smaller than ordinary rooms and are specially designed to deal with DLB.
Yawan co-branded card, if you have the card, please help introduce it.
Regular activities
The daily 9-yuan redemption and 9-yuan viewing, as well as half-price coupon grabs on Wednesdays and Saturdays, have been written more than 100 times. Check out the details on the APP.
9-point benefit: T2 will be credited to your account after consumption reaches the standard, and will expire on the 5th of the following month. Annual fee Platinum customers get 2 times a month, other customers get 1 time a month, and new customers get extra times in the first few months. Grab coupons online at 10 o'clock every day and update every 20 minutes to 11 o'clock. Offline can be exchanged for Starbucks/bookstore credits
Credit/Pizza Hut 30 yuan coupon/Haagen-Dazs single ball, only for annual fee platinum customers.
Top-level cards
CITIC’s top-level cards are unlimited cards and diamond cards. You cannot apply online. You need to go to an outlet to fill in the form. Normally, assets of 10 million can be applied for, and assets of 20 million can be exempted from the annual fee for the current year. But Little G, the black gold man of Project K, has already agreed to use fewer bricks to import the parts. I wish him good luck.
The next top card is the World Card/Unlimited Card represented by Air China World Card, with a starting limit of RMB 60,000 to RMB 80,000, and the annual fee is waived with membership (China Eastern Airlines Unlimited is exempt). There are also many DLB customers who cannot apply for the Air China World Card with the Air China Gold Card.
Points
Points can be exchanged for miles at a rate of 25:1 for platinum cards with an annual fee and 50:1 for miles for free cards. The annual limit is 150,000 for domestic airlines and 50,000 for domestic airlines. APP operation, after redemption, it will usually be credited to the account on the next Tuesday. Once submitted, it cannot be revoked.
Upgrade Platinum Card
CITIC often invites customers to upgrade to Platinum Cards. There is also a channel to upgrade Platinum Cards on the APP. Many people think this is a privilege. In fact, there is basically no limit increase for upgrading Platinum Cards. , CITIC just wants to earn this wave of annual fees. Regarding the above upgrade invitation, it is recommended that you take the following countermeasures:
A. No money, no upgrade
B. Willing to upgrade, see below for specific operations
First of all Easy Card and IHG Gold Card no longer support upgrades, so don’t waste your efforts. Then there is the significance of upgrading the platinum card. What can you get in exchange for paying the two thousand years fee?
The Yan Card and i White held by many people can be upgraded to Standard White, and the Naughty Gold can be upgraded to Naughty White. The annual fee is 2k in the first year and 450,000 points redeemed in the next year. At the same time, there are also promotions. Upgrading to a platinum card will give you 1 night of star hotel accommodation and 2 buffets for two people, which is worth about 1,000 yuan. However, the customer service staff of this event are unwilling to take the initiative to tell you. You must ask to the end, and only upgrades by telephone customer service are valid. Upgrades on the APP do not give you rights.
If you don’t mind the annual fee, you can upgrade. Just bring back a little bit, but card girls won’t do it anyway.
Telephone communication
CITIC attaches great importance to customer opinions, so if you encounter any dissatisfaction when using the card, you can complain, but we do not approve of rogue complaints. Generally, they will actively solve the problem, and if the problem cannot be solved, tens of thousands of points will be compensated.
Ka Niu has been in contact with many CITIC customer service staff and found that the ability and attitude of male customer service staff to handle problems is much worse than that of female customer service staff, so much so that when I hear that the customer service staff is a boy, I will hang up the phone directly.
Then every complaint you make will be recorded, as will other banks. Complaining too much can easily lead to resentment, so cherish every opportunity and don’t waste your character over trivial matters.
Amount of withdrawal
Some people say that CITIC generally makes temporary withdrawals in 3 months, fixed withdrawals in 6 months, and initial withdrawals in 9 months. Of course, there are some people like me who never mention it for ten thousand years.
First of all, it is not recommended to apply for a Platinum Card quota increase, because there is no lower limit for CITIC’s quota, and it is basically an exclusive quota. On the contrary, Ka Niu and many card friends got an unexpected increase in their credit limit after applying for a gold card. This may not be typical and is not recommended to be imitated.
CITIC's style is that it is very worry-free in normal times. You can hardly feel the risk control, and there will be no greetings for occasional large purchases. But if you collect it too hard or leave it unused for a long time, your card may be derated and blocked at once. Don't be nervous, CITIC is still managing DLB, and none of us are qualified.
If something is fixed, fix it first. If something is temporary, there are two opinions:
A. It needs to be used temporarily, and it will be easier to fix if used twice in a row
B. It cannot be used temporarily. Someone gave me a 10-year quota all at once. There is no way.
You can believe whatever you like, but I’m not temporary anyway.