Is CITIC Bank debit card a credit card?

No.

According to inquiries on WestMed Financial Network, we learned that the CITIC debit card is provided by CITIC Bank to China and provides cardholders with a certain credit limit. Cardholders can consume within the credit limit and then repay. The payment can be applied at any CITIC Bank branch or through telephone banking, or through online channels such as CITIC Bank's official website, mobile banking, and WeChat official account, and is valid in real time. Therefore, CITIC Debit Card is not a credit card, but a debit card.

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