How to use CITIC Credit Card for overdraft consumption and cash withdrawal

CITIC Credit Card has always been highly praised by card friends for its high credit limit and fast card issuance. There are also many types of cards to choose from. Rich, such as CITIC Standard Card, Car Owner Card, Magic Card, Yan Card Series Card, Platinum Card, etc. So, how to apply for a CITIC credit card? Let’s take a look together.

1. Consumption overdraft

1. POS consumption

There are mainly five card organizations: China UnionPay, VISA, MasterCard, American Express, JCB , cardholders can make purchases by swiping their cards at POS machines according to the issuing organization logo on the CITIC credit card.

2. Online consumption

First, you need to activate the UnionPay secure payment function of your credit card. The credit card can be bound to third-party payment platforms such as Taobao, JD.com, Paypack, and WeChat for transaction payments. But if you want to increase your credit card limit, try not to do too many online transactions.

3. Consumption at brick-and-mortar merchants

When shopping offline for "eating, drinking, playing and shopping", as long as the merchant supports credit card payment, cardholders can use CITIC credit cards to make purchases.

2. Cash withdrawal by credit card

Cardholders can obtain cash through the official channels provided by CITIC Bank: bank counters, ATM machines, card space APP, etc., but using CITIC Bank credit cards The amount of cash withdrawal does not enjoy interest-free treatment, and you need to bear certain handling fees and cash withdrawal interest.

3. Credit card rights and discounts

How to use CITIC Credit Card, overdraft consumption, cash withdrawal, rights and discounts, etc. Making full use of the credit card can not only bring you convenience and convenience in consumption, In a difficult financial situation, the key is that it can also help you save money!

How to use a credit card?

After applying for a credit card, the customer activates the card and then can go to shopping malls, department stores, supermarkets and dining and entertainment venues for consumption, as long as the merchant has a POS machine. .

In addition, customers can also bind their credit cards to WeChat or Alipay, and then make purchases online. E-commerce platforms such as Taobao, Tmall, JD.com, and Suning.com have many contracted merchants that support credit card payment.

The credit card has a cash withdrawal function, so customers can also withdraw the credit limit for use. However, everyone needs to note that the cash withdrawal limit of some credit cards is only 50% of the credit limit, so customers can only withdraw half of the limit for use.

You also need to note that credit cards often have many benefits and benefits. For example, many platinum cards have high-speed rail and airport VIP lounge services, as well as discounts on various restaurants and hotels, afternoon tea services, etc. Credit card purchases can also accumulate points, which can then be redeemed for gifts, airline miles, etc.

Of course, customers must remember to repay on time after swiping their cards to avoid overdue behavior. Otherwise, the credit card may be frozen and cannot be used again.

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How to use the rights of China Merchants Bank credit card

You can check it through the APP.

Open the Palm Life APP, click the "My" button, and you will see a registration and login button at the top. You need to register for the first login. You can set your own login password. You can log in after the registration is completed.

After logging in, you can see "Card Manager" on your personal page and click to enter.

After entering the "Card Manager" interface, there are some commonly used menu bars at the top: one-click card activation (applicable to newly applied credit cards, you can enter the operation from this entrance for first-time activation); one-click card lock (when a credit card is used) In emergency situations such as loss or theft, you can enter this entrance to lock the card. After the card is locked, you will not be able to make purchases); new cards are on the market (mainly new cards launched by China Merchants Bank); cardless payments (mainly involving some offline transactions) For consumption, a credit card needs to be bound to a specific payment device); the main functions are as described above.

All credit cards processed under your own name will be displayed on the card manager function page. Find the card you need to query and click to enter the card operation interface.

How to see what benefits a credit card has and how to choose these options

When applying for a credit card, many users are attracted by the benefits of the card itself. These benefits allow users to save more when using credit cards. money, so how do you know what the rights and interests of a credit card are? In fact, the easiest way to check is to log in to the official website of the bank to which the credit card belongs and find the credit card you want to apply for in the credit card channel. Then you can know all the rights and interests.

It is worth noting that the benefits included in credit cards generally have time limits. Users must use them within the specified time, and many benefits have quota requirements when using them. These are all things that need to be understood in advance. of. Furthermore, you can check the rights and interests of your credit card by calling the bank’s customer service hotline.

When using credit card privileges on a daily basis, you should consult the relevant store in advance to see if it can be used, because the privileges provided by some stores have a limited number. If other card holders have finished using them, the user will not be able to use them when they go to the store. In order to avoid subsequent occurrences, be sure to consult clearly in advance.

Furthermore, when applying for a credit card, users should not apply for the benefits. After all, the benefits are only for a period of time. At this time, they should pay attention to the characteristics of the credit card itself, such as cash withdrawal ratio, card level, annual fee, etc. Among them, the application When it comes to credit cards, it’s best to choose ones with reduced annual fees to avoid having annual fees deducted later.

Everyday users can compare among different banks when applying for credit cards with benefits, and then choose the one that is most beneficial to them. When applying, you can apply through the bank counter, bank official website, mobile banking, etc. Among them, you can get the credit card faster by applying through the bank's official website, which usually takes about thirty days.

Finally, after using a credit card to make purchases, you must repay on time, and you must not be overdue, because penalty interest will accrue after overdue payment, and the longer the time, the more the penalty interest will be. In fact, when your credit card cannot be paid back on time, you can use installment payment or the minimum payment amount, so that you can effectively avoid overdue payments. After using a credit card to repay in installments, you can also return it in advance to save on handling fees.

How to use credit card?

How to use credit cards:

1. Proper use: Credit cards require consumption first and then repayment. Users do not need to deposit money in advance. They can directly go to shopping malls, movie theaters and other major places to use credit cards. Pay. (Shizuka says card A)

2. Repay on time: After the user generates a bill using a credit card, he or she must repay before the expiration of the next month's repayment period. You can choose to repay in installments.

3. Pay attention to discounts: Credit cards will launch discounts and benefits from time to time, and users can receive discounts and benefits.

4. Points redemption: Credit card points can be used to redeem corresponding gifts.

That’s it for the introduction of how to use credit card rights.