How to apply for CITIC JD Little White Card? What channels can be used to apply?

CITIC Bank and JD Finance have teamed up with China’s first “Internet” concept credit card, the CITIC Baitiao Co-branded Credit Card. It is also a product of joint innovation between Internet finance and traditional financial institutions, and is especially targeted at the 90s This latter main force has attracted the attention of the general public with various discounts and rights. So how to apply for the CITIC JD.com Little White Card? What channels are available? Is it easy to pass?

1. Application on JD.com’s official website:

Enter JD.com’s official website, and after logging in to your JD.com account, there will be a Baitiao option on the homepage, including a JD.com Baitiao co-branded credit card. Click on it to apply, and follow the prompts. Okay~

2. Application on the official website of CITIC Bank Credit Card:

The CITIC JD Little White Card itself has an Internet nature, so it is best to apply online, saving time and trouble. You can go directly to the official website of CITIC Bank Credit Card. There is a page on the homepage to learn about the CITIC JD.com Little White Card. Click "I want to apply for a card" and just follow the prompts. However, at this point, you also have to go to the JD.com official website to fill in the information.

3. Apply at all CITIC Bank counter branches:

CITIC JD.com Little White Card is jointly provided by CITIC Bank and JD Finance. Just bring the information with you at all major CITIC Bank counter branches. Apply for JD Little White Card.

4. Other methods of processing:

CITIC cooperates with third-party platforms, such as CITIC’s external promotion and promotion, sales staff sweeping the building, etc.,

It is said that after virtual credit cards such as JD Baitiao came out, people discussed how to combine the two and whether it could be turned into a long interest-free period to bring more benefits to the general public. Now, JD Xiaobai Card has appeared. It combines virtual credit cards and traditional credit cards to make it stronger and better. It is indeed worth applying for, and it is easier to apply for during the promotion period. I wish you can apply for the card as soon as possible~

JD CITIC What is the general limit of the Baitiao co-branded card?

The JD.com CITIC Baitiao co-branded card is a gold card. According to CITIC Bank’s credit card grade standards, the card’s limit range is between 10,000 yuan and 50,000 yuan. The specific limit is between 10,000 yuan and 50,000 yuan. It is comprehensively assessed by the bank based on the credit status of the cardholder. Everyone's situation is different and the credit limit is also different. Let's take a look at it together.

What is the limit of CITIC Baitiao co-branded card?

1. Because this card is a co-branded card co-branded by China CITIC Bank and JD Finance, the credit limit will be affected in two ways. The amount and amount of consumption on JD.com will also affect JD.com. One of the factors is the limit of the small white card, or JD.com’s data is definitely also an influencing factor.

2. When CITIC Bank grants a credit card overdraft limit, it will review the cardholder's comprehensive ability, financial ability, and repayment ability based on the personal information provided by the applicant, and then set an upper limit of credit limit. . In other words, the more detailed and comprehensive information the applicant provides to CITIC Bank, the higher the final credit overdraft limit will be.

3. The specific limit of the card you apply for is mainly based on your asset status. You have a car and a house, your income certificate shows that your salary is high, or you are an employee of a public institution or a state-owned enterprise due to work. If it is stable, then the amount will definitely not be low.

Reminder:

The credit limit for a newly purchased credit card is generally not high. As the amount and frequency of consumption increase, the bank will adjust the fixed limit appropriately according to the situation. At the same time, you can also provide Take the initiative to issue documents that can prove your work income to the bank to increase the limit.

So in the process of using the CITIC Baitiao co-branded card, you must develop good card usage habits, swipe the card as much as possible, make as many installments as possible, and repay on time. After holding the card for half a year, you can call the CITIC Credit Card service hotline to apply for a limit increase.

(Free installment shopping for Baitiao; 1,000 yuan flight delay insurance)

Can I withdraw cash with JD.com’s CITIC Little White Card?

JD.com’s CITIC Little White Card can withdraw cash.

According to the provisions of Article 4 of the "CITIC Credit Card (Personal Card) Use Agreement":

Party B and its supplementary cardholders must pay the credit card cash withdrawal procedures when handling credit card cash withdrawals. fee and does not enjoy the interest-free repayment period.

The maximum overdraft interest charged by Party A is a daily interest rate of 0.5%. From the date of bank accounting, Party A will charge a daily interest rate of 0.00% based on the card usage behavior of Party B and its supplementary cardholders. Interest will be charged within the range of 3.5 to 5/10,000 Note 2 until the repayment date, and compound interest will be charged monthly.

Unless otherwise agreed in the contract, Party B and its supplementary cardholders will not enjoy the interest-free repayment period if they exceed the credit limit, including but not limited to all credit card transactions, interest, fees, etc. .

Extended information:

Relevant provisions of the "CITIC Credit Card (Personal Card) Agreement"

As listed in the bills of Party B and its supplementary cardholders The order of repayment of funds is interest, fees (handling fees, annual fees, liquidated damages, etc.), consumer overdrafts, and cash withdrawals. Party A has the right to unilaterally change the above order for overdue accounts in accordance with regulatory requirements.

If Party B and its supplementary cardholders have a bill balance for the first time, the minimum repayment amount shall be ten percent (10) of the total bill balance for the current period, plus all amounts exceeding the credit limit; The minimum repayment amount for each subsequent period is five (5) percent of the total balance due on the current period, plus all amounts exceeding the credit limit and the outstanding portion of the minimum repayment amount from the previous period.

If Party B holds more than two credit cards of Party A at the same time, the minimum repayment amount of each period shall be the sum of the minimum repayment amounts of each card held by Party B. The minimum repayment amount is based on the amount shown on the bill.

Party B and its supplementary cardholders may choose to repay with the minimum repayment amount, that is, repay the amount no less than the minimum repayment amount to Party A before the due repayment date of the current period. If you choose the minimum repayment method, you will not enjoy the interest-free repayment period. Party A will have a daily interest rate within the range of 3.5/10,000 to 5/10,000 Note 2 based on the card usage behavior of Party B and its supplementary cardholders. .

For each transaction, the interest payable from the bank accounting date to the repayment date is calculated and compounded on a monthly basis, and is adjusted according to the interest rate adjustment of the People's Bank of China. Interest calculation objects include principal (consumer overdrafts, cash withdrawals), interest and other arrears.