How to check the bill of CITIC Credit Card

1. WeChat public account query:

Cardholders can follow the official WeChat public account of CITIC Bank Credit Card (zxyhxyk), Then select "Card Opening and Account Check" in the menu bar below, select "Account Check and Repayment" there, and then log in to your personal account to query.

2. Dongka Space APP query:

Cardholders can download the CITIC Bank credit exclusive APP-Dongka Space () on their mobile phones, then log in to their personal account and follow the prompts You can check it.

3. Customer service hotline inquiry:

Cardholders can call the customer service hotline of CITIC Bank Credit Card Center at 400-889-5558. After the call is answered, follow the phone voice prompts to enter or ID number. , then press 1 for self-service bill inquiry.

4. SMS query:

Cardholders can edit ZD plus the last 4 digits and send it to 106980095558, for example: ZD1234.

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 18 and 65 years old. Must be between 25-65 years old;

2. Job requirements: have a stable job, 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.

Attention should be paid to 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 use more than 90% of the credit limit, 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 Supplementary information 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 work 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 (good credit , overdue not more than 60 days) or a copy of the deposit receipt.

How to check CITIC Bank credit card statement and transaction details?

To check the bill and details of CITIC Bank Credit Card, you can 1. Follow the official WeChat account of CITIC Bank Credit Card: "zxyhxyk" or "CITIC Bank Credit Card". 2. Download CITIC Bank's exclusive credit APP - Mobile Card Space: 3. Call the customer service hotline - enter the ID number - press 1 for self-service bill inquiry. 4. Edit ZD plus the last 4 digits and send it to 106980095558, for example: ZD1234.

WeChat Apple 12, ios14, WeChat version 8.0.13

Bank loans require a personal credit report:

1. Bring your ID card or the trustee With your ID card and power of attorney, go to the credit inquiry window of the People's Bank of China where you are located and provide your ID card to print your personal credit record;

2. Open the official website of the Chinese People's Credit Center (Google Chrome version 3.3.2) , use your mobile phone number to register an account with your ID card, and submit a personal credit record inquiry application in the personal inquiry column. Usually within 72 hours, your mobile phone will receive an inquiry code sent by the credit information center. Open the official website of the Chinese People's Credit Information Center again and log in to register an account. Enter the inquiry code of the mobile phone text message in the personal inquiry column to check the personal credit information. At the bottom of the page, you can generate a PDF document to download and save.

Conditions for applying for bank loan business:

Natural persons aged 18 to 65 years old;

2. The actual age of the borrower plus the loan application period should not Over 70 years old;

3. Have a stable career, stable income, and the ability to repay the principal and interest of the loan on time;

4. Have good credit, no bad records, and the loan purpose is legal;

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5. Meet other conditions specified by the bank;

6. If you meet the above conditions, you can apply for a loan at a local bank.

Required documents for applying for a bank loan:

1. Valid identity document;

2. Proof of permanent residence or valid residence, and proof of fixed residence; 3. Proof of marriage issues;

4. Bank statements;

5. Proof of income or personal asset issues; 6. Credit report;

7. Purpose of loan Usage plan or statement;

8. Other information required by the bank. Required conditions for bank loans:

(1) A person who is over 18 years old and has full civil capacity, a permanent urban resident registration or a legal and valid resident identity certificate. Bank loans require that the borrower is usually between 18 and Between 60 years old;

⑵ Have stable legal income and the ability to repay interest;

(3) Have good credit;

(4 ) Other conditions required by the lending bank.

If the credit card bill has been paid off and a refund has occurred, the refund funds will be returned to the credit card account. This money can be used to pay off credit card debts, or to swipe cards, withdraw cash, and transfer funds. Cash deposited in a credit card account will become an overpayment. Some banks require a handling fee to withdraw cash from the overpayment. In this way, it will be more cost-effective for the overpayment to be used for repayment and credit card swiping.

In fact, when a refund occurs on a credit card, the refund will be restored to the amount before repayment, thereby offsetting the bill. Users do not need to repay this part of the refund amount.

How to query CITIC Bank credit card statements

The interest-free period for CITIC Bank credit cards is 50 days. After paying off the balance of the bill during the interest-free period, the credit limit will be restored. What are the methods for querying CITIC Bank credit card statements?

1. Query billing information via SMS. Edit the last four digits of ZD, such as ZD8888, and send it to 106980095558 to query the bill amount and repayment date.

2. Log in to credit card online banking to check bill information. Select My Account, and you can see your 12-month bill information in the unissued bill query and historical bill query.

3. Log in to personal online banking to check bill information. Select "Credit Card" in the upper right corner, and then select "My Account" to see your 12-month bill information in the unissued bill query and historical bill query.

4. Dial 40088-95558 to check bill information through self-service voice service. Dial 40088-95558, follow the automatic voice prompts, select 1-2, enter and verify your identity information, and quickly check the current bill; dial 40088-95558, follow the automatic voice prompts, select 1-5, enter and verify your identity After receiving the information, you can check current bills, unissued bills, and historical bills.

5. Download and install "Dongka Space", register and log in, and click "Self-service" to enter the self-service function page and select the type of bill query for query operations. (The billing information of normal contracted cards under your name can be queried, including: (RMB/) unissued bills, historical bills, and current bills).

That’s it for the introduction of how to check the bill of CITIC Credit Card.