CITIC Bank Platinum Credit Card Application Conditions

CITIC Bank Platinum Credit Card Application Conditions: Applicants must be between 18 and 65 years old and have full capacity for civil conduct; applicants must be from China Citizens; Applicants must have a good credit record and no overdue or other bad credit records; Applicants must have a certain economic foundation, relatively strong financial resources, and have fixed assets of more than 500,000 yuan; Applicants must have a high and stable source of income, with an annual salary At 100,000 yuan and above.

1. Advantages of Platinum Card

1. Bank VIP services, airport VIP lounges, free high-value aviation accident insurance, discounts from preferential merchants, and free golf in many cities across the country Multiple preferential privileges such as taxi rides, point redemption for distance, free car rescue, no appointment for physical examination at tertiary hospitals, and no queues are all available to standard platinum cards;

2. The credit limit of platinum card is compared with that of regular card and gold card The limit is much higher, and it also shows more noble status and marks the cardholder as a successful person.

2. The annual fee is not acceptable to ordinary people. Although different banks have different charging standards for annual fees for different types of platinum cards, there is one thing in common: The annual fees are quite high and not acceptable to ordinary people. Today's platinum card annual fee charging standards:

1. Regardless of whether the card is opened or not, once the card is approved, the annual fee will begin to be charged. Most credit cards follow this standard, and the annual fee ranges from five hundred to several thousand. Yuan does not vary.

2. Annual fees are waived for consumption by credit card. The standard is: the consumption by credit card in the first year ranges from tens of thousands to hundreds of thousands.

Regarding this point, we must pay attention to that when applying for a card, many salesmen will often recommend platinum cards to you, because they get more commissions when processing platinum cards. Sometimes they will deliberately not Let me tell you the annual fee!

3. Nowadays, various banks have also launched many fake platinum credit cards, commonly known as "little platinum". This type of platinum card seems to be no different from the standard platinum card, but in fact, it is very different:

1. Limit distance: the starting point of the credit limit of standard platinum credit cards is higher, and the common starting credit limit is More than 100,000, while the limit of "little platinum" is usually only slightly higher than that of gold card. Depending on the qualifications, the starting point of the limit usually ranges from 30,000 to 50,000.

2. Annual fee distance: Usually, the annual fee of a standard platinum card will be as high as several thousand yuan, but "little platinum" can waive the annual fee or offset it by swiping cards and points.

3. Service distance: The advantages mentioned above are usually only for standard credit cards, and the services that "little platinum" can enjoy are very few.

Due to the special nature of platinum cards, if automatic applications are applied for platinum cards from some banks, many of them will be approved. These banks are more likely to automatically send invitation letters to invite qualified users to upgrade to platinum. Card.

Based on the characteristics of the above-mentioned platinum cards, it is not easy to apply for a standard platinum card. Don’t be fooled by the “little platinum”. The standard platinum card annual fee is very high. If you are not a netizen who often uses those high-end services and has ordinary conditions, it is best not to apply.

What is the general limit of CITIC Bank Platinum Credit Card? How much is the annual fee

1. 1. Limit:

The credit limit of CITIC Bank Platinum Card is generally more than 50,000 yuan. The specific limit is not fixed and mainly depends on the applicant. Personal Qualifications. CITIC Bank will conduct a comprehensive score based on the information submitted by the applicant and provide the corresponding quota. When CITIC Bank conducts comprehensive scoring, it mainly refers to the applicant's age, employer, income, position, housing, education, marriage, real estate, professional title, credit record, personal financial assets, etc.

2. Annual fee:

The annual fee for the CITIC Bank Platinum Credit Card is 480 yuan, and the annual fee for the supplementary card is 240 yuan. In addition, China CITIC Bank’s i Platinum Card provides annual fee-free services. You only need to swipe the card 12 times to waive the annual fee for the current year, and you can also exchange points for the annual fee with 60,000 points.

2. Credit card limit related content

1. Credit card limit, also known as the credit card available limit, refers to the maximum amount that can be used by the credit card you hold, which includes the credit limit (That is, the maximum overdraft limit that a credit card can use) and the amount deposited into the credit card. The limit of any credit card depends on the valid income and asset security value provided by the individual during the application process. The credit limit of a credit card is positively correlated with the applicant's income and secured assets, that is, the higher the income and secured assets, the higher the credit limit obtained. Therefore, applicants must provide proof of income and statements of asset security. Asset guarantees include fixed assets such as real estate and cars, as well as current assets such as savings and bonds.

2. Any bank card-related information can be queried through the business outlets of the card-issuing banks over the counter, and credit card credit limit inquiries are no exception. The specific method is very simple. You only need to bring your ID card and credit card to the local bank business office to inquire. Each card-issuing bank has its own customer service hotline, and customers can call for consultation if they have any questions. The operation is convenient and simple. You only need to choose the service you need according to the prompts. If necessary, you can get through manual consultation.

CITIC Bank Credit Card Platinum Annual Fee

CITIC Bank Credit Card, Gold Card Upgrading to Platinum Card is indeed a trap, everyone must be careful.

The CITIC Credit Card Platinum Card has a certain annual fee reduction policy:

1. Cardholders need to pay the annual fee for the first year by themselves. The annual fee for the elite and premium versions can be paid for the next year. Redeem it through points; the next year’s annual fee for the Premium Edition Platinum Card also needs to be paid by yourself and cannot be redeemed through points.

2. If the cardholder does not have too many requirements for the rights of the CITIC Credit Card Platinum Card, it is recommended that the cardholder can choose the Elite or Premium Edition of the CITIC Bank Credit Card UnionPay Platinum Card.

1. Although the annual fee of CITIC Credit Card Platinum Card is relatively expensive, the cost-effective benefits are still considerable:

1. Cardholders enjoy the Platinum “361” full sports experience;

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2. Cardholders enjoy platinum business travel benefits, such as VIP registration, 2-hour flight delay insurance and other services;

3. Cardholders enjoy platinum travel protection, with 15 million aviation accident injuries Insurance, roadside assistance services, etc.;

4. Cardholders enjoy Platinum private medical care, including Platinum teeth cleaning care, family health examinations, appointment registration, etc.;

5. Cardholders Enjoy Platinum Personal Service Benefits.

2. CITIC Bank’s credit card issuance volume has maintained rapid growth in the past few years. In 2017, CITIC Bank added 12.19 million new credit cards and issued a total of 49.57 million cards. In 2018, 17.48 million new cards were issued, an increase of 43.44% from the previous year. The growth rate of card issuance surpassed the "King of Retail" China Merchants Bank and Ping An Bank; a total of 67.05 million cards were issued. In 2019, CITIC Bank issued 16.2681 million new credit cards, with a total of 83.32 million cards issued, an increase of 24.26% from the end of the previous year. In 2020, affected by the epidemic, the growth rate of new credit cards issued by CITIC Bank declined, but the total number still reached 9.3 million , the cumulative number of cards issued exceeded 92.62 million. As of the end of 2020, CITIC Bank's credit card loan balance was 485.2 billion yuan, a decrease of 5.64% from the end of the previous year; at the end of 2018 and 2019, this figure was 442 billion yuan and 514.2 billion yuan respectively.

3. Another evidence of the deteriorating asset quality of CITIC Bank is that its credit card bad debt recovery rate is getting lower and lower. The 12-month recovery rate for credit card debt that became non-performing assets in July 2019 was only 11.53. The 12-month recovery rate for non-performing debt in July 2017 was 17.01. CITIC Bank's credit card issuance rate is basically at the top level, which shows that many people use it. Its review is relatively loose, but the limit is relatively low. In terms of fees, there is an interest-free repayment period of up to 50 days, and you can choose to repay in full or according to the minimum repayment amount. No interest is required for full repayment during the interest-free repayment period (except for cash withdrawals). The overpayment in the card does not include deposit interest; the overdraft portion charges interest at a daily interest rate of 5/10,000.

4. Experience on using CITIC Credit Card:

1. Do not withdraw cash with CITIC Credit Card. Cash withdrawal is 30 yuan per time. (It’s really too unkind)

2. Don’t accept the service of upgrading to a gold card from CITIC Credit Card (CITIC is very unkind in this regard, and it really deserves to be scolded)

3. Don’t accept those services Insurance promotion services (CITIC originally has CITIC Insurance, so there is nothing wrong with providing resource sharing, you just don’t accept it).

4. It is really difficult for CITIC to raise quotas. (This is similar to Bank of Communications and Bank of China)

5. There are no free text messages for small amounts (the same applies to investment, Bank of Communications, and Construction)

6. The interest-free period is only 50 days (only 48 days, except Bank of China Titanium Ladies Card, Hua Xia Card, ICBC Card, Agricultural Bank of China Card, and Bank of Communications Card, which are all 50 days)

7. CITIC’s activities are the most affordable among all banks, and there are no requirements. High, the gifts are real and kind (watching a movie for nine yuan is really good.) Also, when I participate in activities, I usually get gifts of forty or fifty for every four or five hundred spent, which is really real.

8. You can use the card to threaten to waive annual fees for life, so you don’t have to worry about being charged annual fees if you forget to use the card. (It seems to be the only one)

9. We have many special merchants here, and you can basically get a 50% discount on movie theater tickets with a card (all in our city are available)

10. Free repayment for U-Shield linked debit card. (This is not bad. Points were also given at that time)

This is the end of the introduction on how to waive the annual fee of CITIC Bank Platinum Credit Card and CITIC Bank Platinum Credit Card. I don’t know if you will find what you need. Got the information?