CITIC Bank has launched an electronic credit card. This card has no physical card and is a virtual credit card. Credit cards are generally used for consumption and users can directly swipe the card. However, CITIC Bank’s electronic credit card does not have a physical card. Many users don't know how to use it. Next, I will take you closer to electronic credit cards.

The CITIC Bank electronic credit card is a credit card without a physical card launched by CITIC Bank. It is equivalent to a virtual credit card. To use the electronic credit card for consumption, users need to bind a quick payment method, and then Online consumption payment. CITIC IC Credit Card has two accounts: a main account and an electronic cash account. Usually the initial balance of an electronic cash account is 0 yuan, and the maximum balance is 1,000 yuan. The specific limit is determined based on the credit status of the credit card holder. The maximum single offline consumption limit of the cardholder is 200 yuan. Please pay attention to the electronic cash account. The balance cannot be overdrafted, transferred, or withdrawn.

How to apply for CITIC Electronic Credit Card

CITIC Bank Electronic Credit Card is currently only open to some customers. To apply for CITIC Bank CITIC Electronic IC Credit Card, applicants need to meet the conditions and users must hold You can only apply if you have a valid credit card from CITIC Bank. Users in need can apply through the CITIC Bank mobile APP.

Application process:

1. Download the CITIC Bank mobile APP, open the software and register and log in;

2. Find "CITIC Bank Electronics" on the CITIC Bank mobile phone Click "Credit Card" to apply;

3. Enter the application page, and the applicant needs to fill in the relevant application information according to the prompts;

4. After completing the filling, submit the application, which will be reviewed and reviewed by CITIC Bank The results will be notified to users via text messages. According to some applicants, CITIC Bank will approve the application within seconds after submission;

5. The bank will issue the card in real time after the application is approved.

Users who obtain a CITIC Bank electronic credit card need to bind a third-party quick payment, and then they can use the card for consumption. In my opinion, if you mainly pay online, there is not much difference between an electronic credit card and a physical credit card. After all, it is already a mobile phone to travel around the world, so it saves money to carry one less card with you. A lot of trouble.