How to use CITIC Electronics Credit Card? CITIC Electronic Credit Card, which does not have a physical card, is also a virtual credit card, but it is different from the virtual credit card we use. With ordinary virtual credit cards, we can use mobile payment tools to make purchases online or pay offline, but CITIC Electronic Credit Cards cannot do this. Because CITIC Electronic Credit Card is actually the carrier of exclusive installment business such as CITIC New Express, but it cannot be used for daily consumption. It can only receive the money we repay CITIC New Express, so no matter what we do, we cannot get the money out. of. If you want to use the credit limit on your card, the only way is to apply for a new cash payment. However, even if you have a credit limit on your CITIC Electronic Credit Card, your application for new express cash may not be approved. Because every time Xinkuai Cash borrows money, the bank will re-evaluate the current credit conditions of the cardholder. If the comprehensive score is insufficient, it may be rejected. There are many reasons, such as Xin Kuai Cash or the credit card is overdue. People's debt ratio exceeds 50, the total credit card credit limit is too high, the repayment ability is insufficient, etc. For this reason, it is recommended that before you apply for a new cashier, it is best to check your credit report to understand your credit, liabilities, etc., and then find ways to solve the shortcomings, which can improve the approval of the new cashier. Rate. I would like to remind you that after using Xinkuai, it may be blacklisted by the bank, which will affect the credit card limit increase. Everyone should handle it with caution.