Hello, two credit cards, CITIC Bank credit cards, are equal to two cards, or do two cards have one limit?
CITIC Bank credit cards under the same customer name (including mergers) The main account and additional cards) all have exclusive quotas. That is to say, the limit of applying for multiple credit cards will not be accumulated.
For example: Suppose your personal limit is 10,000 yuan, and you have two credit cards from our bank. Both cards use your personal limit of 10,000 yuan. If card A has used 4,000 yuan, B The card can only use the remaining 6,000 yuan.
Extended information
CITIC Credit Card Annual Fee
1. Platinum Card Premium Card: Principal Card: RMB 2,000; Supplementary Card: RMB 1,000 .
2. Elite card main card: RMB 480; supplementary card: RMB 240.
3. Titanium card main card: RMB 480; supplementary card: RMB 240.
4. Gold card main card, dual currency card: RMB 300; RMB single currency card: RMB 200.
5. Additional card dual currency card: RMB 150; RMB single currency card: RMB 100.
6. Main card: RMB 100; supplementary card: RMB 50.
If you swipe your card or withdraw cash once within 30 days of card approval, you will be exempted from the annual fee for the first year. If you swipe your card or withdraw cash a total of 5 times within a year, you will be exempted from the annual fee for the next year. No fees will be charged if the credit card is not activated (note: CITIC Infinity Credit Card, Air China World Credit Card, Platinum Credit Card, Magic Titanium Card, and Annual Fee Package Card are excluded).
CITIC Credit Card Center - Is the CITIC Bank credit card limit exclusive?
The difference between CITIC Bank’s gold credit card and platinum card
The difference between CITIC Bank’s platinum card and gold card:
1. Different limits: CITIC Bank’s platinum credit card limit Generally, the minimum limit starts at 50,000 yuan. The better the qualifications, the higher the limit; while the gold card limit is between 10,000 and 50,000 yuan.
2. Annual fees are different: The annual fee of CITIC Bank Platinum Card is generally higher than that of Gold Card, and Platinum Card usually does not participate in the annual fee-free policy, while Gold Card often only requires swiping the card for a certain number of purchases. The annual fee can be waived.
3. Different rights and interests: Platinum credit cards can often enjoy more rights and interests, such as aviation accident insurance protection, higher amount of lost card protection and other rights.
There are 8 types of CITIC Bank credit cards, namely regular card, gold card, titanium card, platinum card, black gold card, diamond card, unlimited card and world card.
Which one is better, Gold Card or Platinum Card?
First of all, I can tell you responsibly that platinum is definitely better. However, I will write you the application conditions and discounts of the two cards below. Gold Card: Application: Bring your ID card to apply, and deposit 200,000 for 3 months on a regular basis. (Your 20W cannot be used during these 3 months) Discount: Enjoy VIP channel processing business. Gold card transfer and remittance fees are discounted. Platinum card application: First, you must deposit 500,000 for 3 months regularly. Other benefits are the same as the gold card: 1. Enjoy the VIP channel to handle business, and if there is a gold card household head, handle the business of the platinum card household head first. 2. After reaching a certain point. Enjoy VIP access to the airport. 3. Platinum Card transfer and remittance fees are also discounted.
Differences in application conditions: Generally speaking, banks will approve gold cards for high-quality customers. In addition to meeting the basic requirements for applying for a credit card, people with an annual income of more than 400,000 yuan are more likely to be approved for a gold card. Platinum Card is the card issuer.
As far as ICBC is concerned, the meaning of platinum card is far greater than that of gold card. There are various preferential rates, such as transfer fees and fees for replacing cards without reporting loss. The annual fee is generally around 2,000. The investment limit of a gold card may be larger than that of a platinum card. The advantage is that the annual fee can be paid by 5 purchases or purchases per year. Any amount greater than 5,000 can be reduced.
What is the limit of the CITIC Sichuan Airlines co-branded credit card? The credit limit is divided into these types
The CITIC Sichuan Airlines co-branded credit card has aroused a lot of heated discussions since the launch of CITIC Bank. Various aspects of this credit card have also received a lot of attention, such as Say its amount. So, what is the limit of the CITIC Sichuan Airlines co-branded credit card?
This co-branded credit card is divided into four types: MasterCard World Card, MasterCard Titanium Card, UnionPay Platinum Card, and UnionPay Gold Card. Different levels have different card limits.
1. World MasterCard Card
The World MasterCard Card of this credit card is actually one level higher than the Platinum Card. The limit is roughly above RMB 50,000, but the specific limit is actually The amount will be determined based on the applicant's situation, so the amount may range from a few thousand to tens of thousands.
2. MasterCard Titanium Card
The level of the MasterCard Titanium Card of this credit card is actually similar to that of a gold card. According to the reports of many netizens, some have a limit of 10,000. , there are also 50,000.
3. UnionPay Gold Card
The UnionPay Gold Card limit of this credit card is between 10,000 yuan and 50,000 yuan. This is a general range of its limit. The specific limit is The bank will still determine the credit limit based on your asset, financial status, and credit standing.
4. UnionPay Platinum Card
The UnionPay Platinum Card limit of this credit card is usually above RMB 30,000. There is no upper limit. The specific limit depends on your overall situation. to evaluate and determine.
The above is a summary of the relevant information about the CITIC Sichuan Airlines co-branded credit card limit. Because it is divided into several types and levels, the limits are also different, and the specific limit mainly depends on the assets of the applicant. Financial and credit conditions, so if you want to obtain a high limit, you must have sufficient assets, financial resources and good credit.
What is the credit limit of CITIC Bank LuxuryCard? High-end metal card with extraordinary limit!
CITIC Bank has made frequent moves. Not only has it cooperated with Xiaomi to jointly release a Xiaomi co-branded card to enjoy the coolness brought by black technology, the LuxuryCard credit card with a pure gold card surface has also set off a wave of craze. This gold card of extraordinary quality attracted a lot of attention, but it is also capable of winning so much attention. Many people are concerned about the limit of this CITIC LuxuryCard credit card. Let’s find out together.
Introduction to CITIC LuxuryCard Credit Card
The CITIC LuxuryCard credit card series has three levels of cards, namely Gold Card, Black Gold Card and Titanium Card. In terms of level, they are all high-end card series.
Especially the CITIC LuxuryCard series, the card surface is covered with 24K pure gold, which is the same material as the gold-plated surface of the Oscar statuette and is produced by the same company. However, its appearance and card surface are high-end. Extraordinary temperament.
CITIC LuxuryCard credit card limit
As mentioned above, this card is a high-end card, so the limit is naturally not much lower. CITIC LuxuryCard Gold Card is equivalent to UnionPay Diamond Level, while Black Gold Card and Titanium Card are UnionPay Platinum Level.
As CITIC Bank’s highest-level Gold Card, the limit is naturally not very low. It usually starts at a few hundred thousand and can easily reach millions. The limit of the Black Gold Card is also as high as one million. Many, and most titanium cards start at 50,000, which depends on the assets.
The above is the limit of CITIC LuxuryCard credit card introduced to you. In fact, for this kind of high-end card, the limit is not so important. What is important is the top-level rights and noble status symbols that can be enjoyed. .
CITIC Bank Q Enjoy Card Gold Card Limit
CITIC UnionPay Gold Card generally ranges from 8,000 yuan to 50,000 yuan.
The specific approval amount is determined based on your credit report and asset certificate and other information.
Annual fee: 200 yuan, annual fee-free policy: swipe the card or withdraw cash 5 times within a year to waive the annual fee for the supplementary card the following year: 100 yuan
Application conditions
CITIC Bank credit card application conditions are relatively loose, as long as you meet the following requirements:
1. Age requirements: Domestic residents must be between 18 and 65 years old, and foreigners must be between 25 and 65 years old. between;
2. Job requirements: stable workplace, income and fixed residence;
3. Credit requirements: no bad credit record (how to establish a good credit record)
Note: CITIC Magic Credit Card is only available to women. Applicants for supplementary cards must be the parents, spouse or children of the primary cardholder and be between the ages of 16-65.
CITIC Bank Credit Card Application Information
Bank credit card application information varies depending on the applicant's conditions and the card being applied for. You can freely choose the appropriate application information based on your own situation.
If you have a credit card from another bank and the card has been issued for more than half a year, it is recommended that you use the "card application" method to quickly apply for a CITIC Bank credit card.
Notes on the "card application" method:
1) There is no overdue record of credit cards from other banks for more than 30 days within 6 months;
2) Average The credit limit is not less than 5,000 yuan; if you have more than 3 credit cards from other banks and the usage limit is more than 90 yuan, the bank will generally not process it.
If you are a customer applying for a CITIC Bank credit card for the first time, the CITIC Bank credit card application materials are divided into necessary information and auxiliary information: the necessary information is the information that you must provide when applying for a CITIC Bank credit card, and the auxiliary information It helps you improve your approval rate and credit limit.
1. Identity proof information: a copy of the resident ID card or military officer's ID card; if you are a compatriot from Hong Kong and Macao, you need to provide a copy of the mainland travel permit and proof of residence for more than one year; if you are a foreigner, then Just provide a copy of your passport and residence permit for more than one year. 2. Proof of employment and income: Choose from salary certificate or business card and badge with photo.
Supplementary materials for CITIC Bank credit card application:
Proof materials that can prove that you have good financial strength: copy of real estate certificate, copy of car driving license; CITIC Bank loan customer (with good credit , overdue not more than 60 days) or a copy of the deposit receipt.
Credit card annual fee
Platinum card premium card principal card: RMB 2,000; supplementary card: RMB 1,000.
Elite card main card: RMB 480; supplementary card: RMB 240.
Titanium card main card: RMB 480; supplementary card: RMB 240.
Gold card main card, dual currency card: RMB 300; RMB single currency card: RMB 200.
Supplementary card dual currency card: RMB 150; RMB single currency card: RMB 100.
Principal card: RMB 100; supplementary card: RMB 50.
If you swipe your card or withdraw cash once within 30 days of card approval, you will be exempted from the annual fee for the first year. If you swipe your card or withdraw cash a total of 5 times within a year, you will be exempted from the annual fee for the next year.
No fees will be charged if the credit card is not activated (note: except CITIC Infinity Credit Card, Air China World Credit Card, Platinum Credit Card, Magic Titanium Card, and Annual Fee Package Card).
Extended information:
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. It ranks at the forefront of the domestic banking industry, among which CITIC Platinum Credit Card ranks first in the country in terms of card issuance volume, and has initially established its position and brand image in the Chinese 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.
The CITIC Platinum Card will charge an annual fee after the regular card is upgraded to a Platinum Card, and it cannot be offset with points, and it will be deducted after the user confirms the upgrade, 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 operations, independent accounting, corporatization and professional management of credit card business.
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, the bank’s re-installment requirements cannot be used for purchases that have been made in shopping malls and have been made after a single installment.
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.
If an individual wants to use the payment method after installment, he cannot change it again after determining the number and amount of installments. This requires attention. In addition, be sure to repay the loan on time to avoid creating more bad credit.
As one of the pioneers in the domestic credit card industry, CITIC Credit Card achieved remarkable results in 2006, with business indicators such as card issuance volume, transaction volume, and business income all reaching record highs.
With the CITIC Magic Gold Card, "Air China Zhiyin" CITIC Credit Card, CITIC 2006 FIFA World Cup MasterCard, CITIC I Card, CITIC Mecoxlane co-branded card, CITIC Lufthansa Mall co-branded card, CITIC Xindaxin co-branded card, The debut of new products such as CITIC Netcom co-branded card and CITIC Telecom V-card co-branded card, as well as the full launch of CITIC shopping mall installment business and mail order installment business in cooperation with Gome and Suning, two national home appliance chain giants,
The comprehensive upgrade of the ten services of the Platinum Card, the innovation of a series of services such as exclusive discounts for shopping malls on "special discount days" and CITIC business travel services, etc., the brand image of CITIC Credit Card has been rapidly improved and won the trust of all walks of life and customers. Good reviews.
In 2006, CITIC Credit Card won the title of "China's Ten Most Trustworthy Banks in 2006" at the third "World Financial Laboratory Annual Awards" sponsored by World Managers Weekly, World Financial Laboratory, and Wall Street Telecom. "Big Bank Card" Award;
In the "Observation and Evaluation of China's Credit Card Industry" sponsored by Hexun.com, CITIC Credit Card stood out from 14 participating banks and relied on its fees, card services, functions, and value-added With excellent performance in several aspects, it won the second place in the overall ranking of the 2006 China Credit Card Evaluation, and won the excellent "2006 China Credit Card Evaluation Best User Experience Award".
With its unique product design and personalized service functions, CITIC Magic Gold Card was awarded the “Most Valuable Women’s Credit Card Product Award” by VISA International Organization and the “2005-2006 Economic Observer”. The third prize in the service industry of "Annual China Outstanding Marketing Award";
CITIC Platinum Card was selected into the 2006 "China's Top Brands List"; CITIC Bank Credit Card Customer Service Center won the "2006 China's Best Call Center" for its thoughtful and meticulous service. Title;
Providing customers with a safe, fashionable, caring and distinguished credit card is the unremitting pursuit of CITIC Credit Card.
In addition to the basic functions of a general credit card, CITIC Credit Card also provides "24-hour global 800 toll-free customer service hotline", "24-hour mobile phone text message notification service", "free accidental hospitalization medical insurance", "free "Global Travel Traffic Accident Insurance" and many other personalized services that are the first in China and have leading functions.
In the face of fierce market competition, CITIC Bank Credit Card Center will continue to adhere to the business philosophy of coordinated development of efficiency, quality and scale, uphold the belief of continuously improving product functions and service levels, and provide our customers with safer and more Fast, value-added credit card repayments, and strive to build CITIC Credit Card into a first-class financial services brand.
Reference materials: CITIC official website-CITIC Bank Q Enjoy Card Gold Card
What level of credit card is the Titanium Card? Introduction to titanium card tier limits!
There are many ways to classify credit cards. The most common ones are credit card levels. What we generally call credit card levels are regular card, gold card, platinum card and diamond card. But there is also a titanium card, which is also one of the credit card levels, but it is not very common. Many friends do not know what level of credit card the titanium card belongs to and what the limit will be after applying. Today I will introduce it to you!
Levels of Titanium Cards
The credit card levels of general banks are divided from low to high: regular card, gold card, platinum card, diamond card, and titanium card The level is actually determined by the bank itself.
For example, Everbright Bank’s Titanium Card is between the Gold Card and the Platinum Card. Some banks will call it Little Platinum, while others will call it Titanium Card. In fact, they are all the same, just with different names.
Titanium Card Limit
Titanium Card can be a dual-currency card or a UnionPay card, it depends on how the bank wants to define it. As for the limit of the Titanium Card, it is naturally the bank that has the final say.
Take Everbright Bank as an example. The official customer service said that the titanium card limit is about 50,000 yuan, but many friends have applied for 60,000 or 70,000 yuan. In fact, the card level is the same as the lower card. The quota is not that important, it still depends on personal qualifications. As for the graduation quota, the gold card is 50,000, and the titanium card is at least 50,000.
As can be seen from the above content, the titanium card level is before the gold card and platinum card. It is similar to our common small platinum card. However, the small platinum card is usually directly called platinum card. Titanium card The gold card is one level lower than the platinum card. In addition, titanium cards are generally co-branded cards, which are easier to apply for, and the annual fees are mostly waived, which is good.
This concludes the introduction to CITIC Titanium Credit Card Limit and Bank of China Titanium Credit Card. Have you found the information you need?