How about CITIC Credit Card?
CITIC Credit Card is still very good among commercial bank credit cards, and it is easy to apply for the card. Moreover, CITIC Credit Card has a wide variety of cards and many preferential activities. For example, the JD Baitiao Card can be used to receive steel, the SF Express Co-branded Card can be mailed express for 1 cent, and there is also a 9-share redemption activity, using 9 points to exchange for a cup of Starbucks or a book. Books under 35 yuan, or exchange for a Wanda movie ticket, etc. In addition, CITIC Platinum Card is known as the most cost-effective platinum card because its services are very practical: VIP travel, platinum medical care, aviation protection, accelerated points, etc.
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On December 8, 2003, CITIC Bank Credit Card Center officially issued CITIC Credit Card. As of the end of October 2006, the cumulative number of cards issued had reached nearly 2 million, ranking first in the country. At the forefront of the banking industry, CITIC Platinum Credit Card ranks first in the country in terms of card issuance volume, initially establishing its position and brand image in China's credit card market.
CITIC Bank Credit Card has always been aimed at serving the public, and has applied credit cards to better serve the public. Many people who have used credit cards know that credit cards are very convenient and can be used not only in large shopping malls and supermarkets in China. , and can even be used in some foreign consumption places. Credit cards greatly facilitate the general public and allow banks to gain more profits from them. CITIC Bank credit card is one of them, but when using CITIC Bank credit card, you need to pay attention to several issues.
The first thing is to develop good consumption habits and avoid brushing off all the credit limit without restraint. The use of credit cards is because on some occasions, when the cash and bank cards on you cannot be used for normal payment, you can use the credit card. Be able to use credit cards. CITIC Bank credit cards have a certain limit. Generally, high-quality customers will have a higher limit.
Another thing to note is that when using a CITIC Bank credit card, you must repay on time. Repaying on time is a sign of a person's responsibility. If the cardholder cannot guarantee timely repayment, it is best to Don't use credit cards.
CITIC Bank provides a number of financial services and can provide loans to all walks of life. Personal credit loans account for a large proportion of CITIC Bank’s loan business. In many cases, personal credit loans can be applied for installment payment , if the cardholder’s current bill amount reaches more than 800 yuan, he or she can apply for interest-free installment payment. However, for purchases that have already been made in shopping malls and have been made after a single installment, the bank's repayment requirements cannot be used. It should also be noted that holders of CITIC Bank credit cards can apply for interest-free installments within three working days from the current statement date to the repayment date.
How about CITIC Credit Card?
The information given by the questioner is incomplete, and he does not know the causes and consequences, so it is difficult to draw conclusions. Personally, I think CITIC Credit Card is pretty good among commercial bank credit cards, and it’s easy to get the card. Moreover, CITIC Credit Card has a wide variety of cards and many preferential activities. For example, JD Baitiao Card can be used to receive steel_, SF Express Co-branded Card can be mailed express for 1 cent, and there is also a 9-share redemption activity, using 9 points to exchange for a cup of Starbucks, or a A book for less than 35 yuan, or a Wanda movie ticket, etc. In addition, CITIC Platinum Card is known as the most cost-effective platinum card because its services are very practical: VIP travel, platinum medical care, aviation protection, accelerated points, etc.
Notes on using credit cards:
1. Pay attention to two dates: billing date and repayment date
Generally, the repayment date is 20 days after the billing date. Or 25 days, if the card is swiped one day after the bill date, the interest-free period will be the longest, if the card is swiped the day before the bill date, the interest-free period will be the shortest.
2. Protect the credit card information
The three most critical information on the credit card: validity period and CVV code affect the security of your card use. Especially the CVV code, which is as important as the password. It is recommended to use correction fluid or stickers to cover the CVV code. Some people even use a razor blade to scratch off the CVV code and keep those three numbers in mind.
3. Only by swiping your card frequently can you avoid annual fees; only by repaying on time can you increase your credit limit
Generally, the annual fee can be waived by swiping your credit card six times. Therefore, you must pay the annual fee. In addition, you can increase your credit card limit by swiping your card more frequently. At the same time, you must pay off your bills on time and maintain a good credit record. This is also a way to increase your credit limit. And now mobile POS cardless payment is also very convenient and belongs to online consumption.
Combined with daily offline consumption, multiple combinations can be used.
4. Choose the repayment method that suits you best
In this information age, repayment methods are diversified. It is not necessary to go to a bank branch or a teller machine to transfer funds. Repayment.
5. If it does not work, or the repayment is delayed due to something, you can call customer service to apply for an extension of repayment
If your funds cannot be turned over temporarily, or the repayment is delayed due to something. Don’t worry about repayment, call the bank customer service immediately and apply for an extension of one to three days to repay.
6. What should you do if you are short of funds? Apply to change the billing date and extend the interest-free period
When applying to change the billing date, you should pay attention to calculating the billing date and enjoy the longest interest-free period. interest period to relieve the pressure of tight funds. However, this skill cannot be used every month. It is said that some banks can only apply for changes once every six months, some banks can only apply for changes once a year, and some banks can only apply for changes in a lifetime. Once!
7. Say no to all unreasonable charges
Anyone who has unreasonable charges on their credit card can call customer service, bargain with them, and apply to cancel the unreasonable charges, such as If the customer service disagrees, you can insist on complaining to the end, and you can usually win.
8. Use credit card installments with caution
Credit card installments have very high interest rates. Even if they are interest-free, the installment fees are not cheap. You need to use installments with caution and do not let the bank make a profit on itself. Cents! Of course, except for those who are unable to repay their credit card debts on time under special circumstances, and those who want to increase their credit card limit as soon as possible.
Is it necessary to upgrade the CITIC Premier Platinum Card
If you have no need to increase the limit, there is no need to upgrade.
1. Many credit card owners from China CITIC Bank have received invitations from the bank to upgrade their platinum cards, but upgrading their credit cards does not mean they can increase their credit limit. The annual salary of credit card is higher than that of ordinary card and gold card, and the exemption conditions are difficult, so don’t upgrade to platinum card easily.
2. CITIC Platinum Cards are divided into several types, including CITIC cards and co-branded cards. If it is to upgrade the quota, I can tell you clearly that CITIC’s quota has no direct relationship with whether it is platinum. Some only have a single card limit limit, and the gold card limit is 100,000, but it is not absolute. The general upper limit for platinum cards is 300,000, and only professional cardholders or CITIC premium customers can reach more than 100,000. Of course, CITIC Platinum Card is more than that. In response to different customer needs, it has launched multiple series of high-end cards, such as Car Owner Platinum, Express Platinum, Shahe Golf Platinum, etc., and ordinary cards include Taobao JD.com, NetEase Kaola QQ Music, and iQiyi Youku.
3. Platinum co-branded cards are generally hotel or airline co-branded cards, which can enjoy a more cost-effective mileage point redemption ratio. The annual fee is divided into 48020003600, and the Air China brand card also has 3600 and 20000 Phoenix friends. If you fly a lot, you may consider upgrading.
The official answer regarding the annual fee of CITIC Premium Platinum Card is as follows: High-end Platinum Cards are generally divided into Noble Edition and Elite Edition. The annual fee for a credit card is calculated based on the billing year. The annual fee for the first year is borne by the individual, and the points can be redeemed for the annual fee for the following year. Premium version: main card is 2,000 yuan/year, supplementary card is 1,000 yuan/year (annual fee point redemption standard for the next year: 450,000 points or 220,000 points is 1,000 yuan for the main card; 220,000 points or 100,000 points is 500 yuan for the supplementary card); Elite version: The main card is 480 yuan/year, and the supplementary card is 240 yuan/year (the annual fee point redemption standard for the next year is: 60,000 points or 30,000 points for the main card is 240 yuan; the supplementary card is 120 yuan for 30,000 points or 15,000 points).
Is the CITIC Bank credit card easy to use?
CITIC Bank credit cards are pretty good, with the following main advantages:
1. CITIC Bank issues many types of credit cards with various themes, and the threshold for some credit cards is not high, such as QQ Caibei co-branded card is easy to apply for, but the limit is not necessarily high.
2. After applying for a CITIC Bank credit card online, if you are successfully approved, you will receive an official message from CITIC Bank asking you to bring your ID card to the bank business hall. This is also It means that the credit card application has been successfully applied and requires a personal signature for confirmation.
3. The customer service attitude of CITIC Bank is quite good. Whether you go to the business hall of CITIC Bank or call the official customer service of CITIC Bank, you will get a satisfactory answer quickly.
However, after all, CITIC Bank does not have as many branches as the four major banks, so it may not be very convenient in some smaller places.
4. CITIC Bank offers many credit card discounts, and if you choose CITIC credit card for the first time to pay on Taobao, you can get discounts, watch movies for 9 yuan, and get cash back when swiping some cards.
Extended information
CITIC Bank credit card is very convenient. It can not only be used in domestic shopping malls and supermarkets, but can even be used in some foreign consumption places. Credit cards are very convenient for ordinary people. Allowing banks to gain more profits.
The first thing is to develop good consumption habits and avoid brushing off all the credit limit without restraint. The use of credit cards is because on some occasions, when the cash and bank cards on you cannot be used for normal payment, you can use the credit card. Be able to use credit cards. CITIC Bank credit cards have a certain limit. Generally, high-quality customers will have a higher limit.
Another thing to note is that when using a CITIC Bank credit card, you must repay on time. Repaying on time is a sign of a person's responsibility. If the cardholder cannot guarantee timely repayment, it is best to Don't use credit cards.