The credit card overdraft limit of CITIC Bank is generally related to the card level. The overdraft limit of ordinary credit card of CITIC Bank is 3,000 yuan to 50,000 yuan, the overdraft limit of gold card of credit card is 10000 yuan to 50,000 yuan, and the minimum overdraft limit of platinum card of credit card is more than 50,000 yuan, which is not capped.
Credit card processing conditions of CITIC Bank:
The applicant must be at least 18 years old, have full capacity for civil conduct and have a good credit record. When applying, you need to bring a copy of resident ID card or military officer's card, proof of work income and other economic certificates, such as a copy of real estate license, a copy of car driving license, a copy of deposit certificate, etc. With all the above information, the applicant can apply at the counter with the credit certificate. At the same time, submit a relatively complete asset certification document, and submit the above to the bank for review by the bank's background audit department. Moreover, applicants can apply for no more than two supplementary cards for their spouses or relatives with full capacity for civil conduct.
It is relatively easy for CITIC Bank to apply for a card, but the risk control of CITIC Bank is relatively strict, so it is difficult to increase the credit card limit. Official website is the first choice for customers with average qualifications and few financial certificates. Because there are few materials to be submitted for online application, the card-downloading rate is high.
CITIC Bank's credit card has always been aimed at serving the public and will serve the public better in the future. Many people who have used credit cards know that credit cards are very convenient, not only in domestic supermarkets, but also in some foreign consumer places. Credit cards have greatly facilitated the general public and enabled banks to make more profits from them.
CITIC Bank credit card is one of them, but there are several problems to pay attention to when using CITIC Bank credit card.
First of all, we should develop good consumption habits and not brush off all credit lines without restraint. Credit cards are used because on some occasions, when cash and bank cards cannot be paid normally, CITIC Bank's credit cards have a certain amount, and the amount of ordinary quality customers will be higher accordingly.
In addition, it should be noted that the credit card of CITIC Bank must be repaid on time. Paying back on time is the embodiment of a person's sense of responsibility. If the cardholder can't guarantee timely repayment, it is best not to use a credit card.
CITIC Platinum Card will charge an annual fee after upgrading from Puka to Platinum Card, which cannot be offset by points. It will be deducted after the user explicitly upgrades, regardless of whether you open the card (Platinum Card). CITIC Bank Credit Card Center is a business department established by CITIC Bank Head Office in Shenzhen to conduct centralized operation, independent accounting, corporatization and professional management of credit card business.
Operating environment: CITIC Bank version: 1.0
Which bank credit card can exceed the limit?
1. Many banks will give cardholders a spending limit that exceeds the original credit card overdraft limit, such as Minsheng Bank, China CITIC Bank and Industrial Bank.
2. Minsheng Bank can exceed the limit of 10%. After the cardholder opens the over-limit function service, the over-limit fee will be charged at 3% of the over-limit part, with a minimum of 10 yuan, which will be generated with the transaction. After the foreign currency is used beyond the limit, the standard for charging the over-limit fee is also 3% of the over-limit part, with a minimum of 10 yuan. The charging currency is RMB.
3. There is no charge for the excess credit card of CITIC Bank. Some customer service said that excess credit cards will also enjoy an interest-free period, and CITIC's credit cards can exceed 10%.
4. The over-limit quota of Industrial Bank is 5% of the quota.