How about CITIC Credit Card?

the information given by the subject is incomplete, and it is not easy to draw a conclusion without knowing the cause and effect. Personally, I think CITIC Credit Card is still quite good in commercial bank credit cards, and it is also very good to get off the card. Moreover, CITIC Credit Card has a wide variety of cards, and there are many preferential activities. For example, JD.COM White Card can receive steel _, SF Co-branded Card can be delivered by mail at 1 cent, and there are 9 redemption activities. With 9 points, you can exchange a Starbucks, a book below 35 yuan, or a Wanda movie ticket. In addition, CITIC Platinum Card is known as the most cost-effective platinum card, because its services are very real: VIP travel, platinum medical care, aviation security, accelerated points and so on.

Precautions for credit card use:

1. Pay attention to two dates: billing date and repayment date

Generally, the repayment date is 2 or 25 days after the billing date, and the credit card is swiped one day after the billing date, with the longest interest-free period, and the credit card is swiped one day before the billing date, with the shortest interest-free period.

2. Protect the information on the card surface of the credit card

The three key information on the card surface of the credit card, namely, the expiration date and the CVV code, affect your card safety, especially the CVV code, which is as important as the password. It is recommended to cover the CVV code with correction fluid or sticker, and some people are even worse. Just scrape off the CVV code with a blade and keep those three numbers in mind.

3. swipe your card frequently to avoid the annual fee; Only when you repay the loan on time can you withdraw the amount

Generally, you can avoid the annual fee if you swipe your credit card for six times. Therefore, we must brush out the annual fee. In addition, we can increase the credit card limit by swiping more cards and frequently. At the same time, we can repay on time and maintain a good credit record, which is also a way to increase the credit limit. Moreover, it is also very convenient to pay without a card for mobile POS, which belongs to online consumption. Combined with daily offline consumption, multiple combinations are used.

4. Choose the repayment method that suits you best

In this information age, repayment methods are diversified, and it is not necessary to go to a bank outlet or an ATM to transfer money.

5. If it doesn't work, or the repayment is delayed due to something, you can call customer service to apply for deferred repayment.

If your funds are temporarily unable to turn over, or the repayment is delayed due to something, don't worry, call the bank customer service immediately and apply for an extension of repayment for one to three days.

6. what should I do if the funds are tight? 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 time and enjoy the longest interest-free 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 change once every six months, some banks can only apply for change once a year, and some banks can only change it once in their lifetime!

7. Say no to all unreasonable charges

Anyone who has unreasonable charges on a credit card can call customer service and bargain with the customer service to apply for cancellation of unreasonable charges. If the customer service disagrees, they can insist on complaining to the end and generally win.

8. Use credit card installment with caution

The interest rate of credit card installment is very high, even if it is interest-free, the installment fee is not cheap, so use it with caution, and don't let the bank earn a dime! Of course, except for those who can't repay the credit card arrears on time under special circumstances, except those who want to increase the credit card limit as soon as possible.

is the credit card of citic bank good?

CITIC Bank's credit card is still good, which mainly has the following advantages:

1. CITIC Bank issues many kinds of credit cards with various themes, and the threshold of some credit cards is not high. For example, QQ Caibei co-branded card is easy to apply for, but the application is easy, but the amount is not necessarily high.

2. After applying for the credit card of CITIC Bank online, if it is successfully approved, you will receive a message from the official of CITIC Bank, asking you to bring your ID card to the business hall of the bank, which also means that the credit card has been successfully applied and needs to be signed in person 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 soon. However, after all, CITIC Bank is not as dense as the four major banks, so it may not be very convenient in some relatively small places.

4. There are many credit card preferential activities of CITIC Bank, and the first time you choose CITIC Credit Card to pay on Taobao, there are discounts, and 9 yuan watches movies, and some cards are cashed back.

Extended information

CITIC Bank's credit card is very convenient. It can be used not only in domestic shopping malls and supermarkets, but also in some foreign consumption places. Credit cards greatly facilitate ordinary people and make banks gain more profits from it.

First of all, it is necessary to develop good consumption habits, so as not to brush off all the credit lines without restraint. Credit cards are used in some occasions when cash and bank cards can't be paid normally. Credit cards of CITIC Bank have a certain amount, and the amount of ordinary high-quality customers will be higher accordingly.

Another thing to note is that the credit card of CITIC Bank must be repaid on time. Repayment on time is a sign of a person's sense of responsibility. If the cardholder cannot guarantee timely repayment, it is best not to use the credit card.