If you swipe your card or withdraw cash 1 time within 30 days of card approval, you will be exempted from the annual fee for the first year, and if you swipe your card or withdraw cash five times within one year, you will be exempted from the annual fee for the next year. There is no charge if the credit card is not activated (note: except CITIC Unlimited Credit Card, Air China World Credit Card, Platinum Credit Card, Magic Titanium Card and Annual Fee Package Card).

The annual fee of CITIC Credit Card is as follows:

Platinum card, distinguished card and main card: RMB 2,000; Supplementary card: 65438 yuan+0,000 yuan.

Elite Card and MasterCard: RMB 480 yuan; Supplementary card: RMB 240 yuan.

Titanium card and main card: RMB 480 yuan; Supplementary card: RMB 240 yuan.

Gold card, main card and dual-currency card: RMB 300 yuan; RMB single currency card: RMB 200 yuan.

Supplementary cards and dual-currency cards: RMB 150 yuan; Rmb single currency card: RMB 100.

Puka and main card: RMB 100; Supplementary card: RMB 50 yuan.

Extended data

Matters needing attention in using credit card

I. Credit card repayment method

1, within the issuing bank

This method includes: issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. The credit card limit will be restored immediately after repayment, and the money will generally be recorded after being processed by the system on the same day.

2. Transfer/remittance repayment

Mainly divided into two ways: inter-bank in the same city and inter-bank in different places. Whether it is transfer or remittance, the remittance bank will charge a certain fee, and the payment time and repayment convenience are not as good as those of peers, online repayment and convenience stores.

3. Online repayment

Common domestic network platforms are: UnionPay Online, Kuaiqian, Shengfutong, Alipay, Tenpay and so on. Choose different platforms and banks, and the charging standards and specific arrival time are different.

Second, credit cards should be repaid in time.

Cardholders should pay special attention to the last repayment date of credit cards. The last repayment date is the last day of the interest-free repayment period. Before that, the repayment is interest-free. Overdue, all consumption funds will no longer enjoy interest-free repayment treatment. The bank will calculate the interest on a daily basis with the consumption amount as the principal, with a daily interest rate of 0.5 ‰, compound interest every month and a late fee.

Therefore, the use of credit cards should be repaid in time, otherwise it will cause overdue. Consequences of overdue:

1. The liquidated damages are generally the minimum repayment amount, that is, 5% of the unpaid part.

2, the interest rate is high, and it is rolling interest. When there are many debts, the interest rate is scary.

3. Overdue will tarnish the credit record, resulting in the inability to handle financial needs such as buying a house and lending in the next two years.

4. The overdue payment is more than 3 months, and the amount exceeds 1 000 yuan, and the bank has repeatedly failed to make dunning. At that time, you will not only pay back the money, but also bear criminal responsibility.

Baidu Encyclopedia-China CITIC Bank Credit Card

Baidu encyclopedia-credit card