The Credit Card Blue Card is a quasi-credit card, a credit card issued to customers who do not want to have a high limit and have not passed the review! The way to use this card is: deposit first and then spend. After a period of time, the bank will grant a corresponding limit based on the customer's usage. The reason why banks adopt this method is that they do not want to lose some potential customers. There is no interest on deposits, and there are handling fees for withdrawals. This is one of the characteristics of official credit cards. Blue cards are also designed according to this standard. In addition to no overdraft limit, the Blue Card has all the functions and attributes of a credit card. (For example, CITIC’s Blue Card and ICBC’s Pig Card both belong to this type of card). The following is a detailed description of this type of card using CITIC’s Blue Card: Although CITIC’s Blue Card has some preferential measures, for those who want to save face and People who have extra credit cards to use will generally choose to cancel the card after receiving it ~ (If you want to cancel the CITIC Blue Card, you can call 40088-95558 and enter 1-gt; 6-gt; 0 to apply manually. CITIC Blue Card is a UnionPay RMB credit card, a single-currency card, and the front image looks like a CITIC STAR Blue Star Credit Card. It is a standard UnionPay card starting with 6226. The starting limit is 1 point, and it is issued by CITIC It is a credit card with the lowest limit. You can increase the limit according to usage, or provide materials to the card center to apply for a limit increase according to personal wishes. In terms of services, this credit card enjoys all the services enjoyed by CITIC STAR ordinary cards (such as insurance\ Credit card 800 service\card points\on-site activities\prize activities, etc.) In terms of fees, the three-year annual fee is waived when you open this card, the cash withdrawal fee is 0, there is no overpayment retrieval fee, and overpayment does not count as interest. There is no interest-free period and interest issues when swiping the card, and other fees (such as loss reporting fees, etc.) are the same as those of CITIC STAR credit card. Supplement: The blue card always enjoys double points, and the CITIC Blue Card is a product launched by CITIC Bank in the month of your birthday! For credit cards with a starting limit of zero, users need to make a deposit before spending. The CITIC Blue Card has a password function, which is safe and secure. The limit of the card is determined by the amount deposited. The CITIC Blue Card is easy to use. The acceptance group of this card is much wider than that of other cards. This card has comprehensive functions and caters to three groups of people: 1) Users who do not like "consume first and pay later" Although the credit era has arrived, the fashionable consumption method of credit cards has become widespread. However, there are still some people who stick to their own consumption habits and don’t like the feeling of “owing”. One of my friends has such a person, “I have to pay back the money I spent, which always makes me feel like I owe the bank.” Not happy. "The blue card just solves this problem. Users "deposit first and then spend", and they cannot overdraw after the self-deposit limit is used up. You can get twice the points for spending with the blue card, and four times the points in the month of your birthday; handling fees are waived for withdrawals of excess payments; at the same time, the blue card also has all the functions and services of a credit card, including insurance, SMS service, customer service hotline, statements, Online banking services, special merchants, mail order, business travel hotline, etc. Combining the safety and reliability of a debit card with the preferential services of a credit card, this is the reason why the first type of people fall in love with the blue card. 2) Users who "lack of rationality and over-consumption" Credit cards have been accepted by most fashionable people as a new way to manage money. By swiping the card, you can get tickets, gifts and various discounts in return. Credit cards have become more and more common in people's lives. However, we have also seen that the urban "moonlight tribe" is growing day by day, and many cardholders who lack rational consumption concepts have become "card slaves". CITIC Blue Card’s unique setting of “deposit first and then spend” has standardized the consumption behavior of cardholders to a great extent, allowing them to accurately make plans for their monthly consumption or consumption at a certain stage: deposit the budget in advance With the blue card, you get a quota, and you cannot spend more than the quota. Gradually cultivate cardholders' rational financial management concepts. When the cardholder uses the blue card for consumption, CITIC Bank will also record his credit. Once the credit reaches a certain amount, a credit card can be issued. 3) Users who have not passed the comprehensive review For users whose first-time card application was rejected by the bank, CITIC Blue Card meets their wishes.

The zero-limit credit card launched by China CITIC Bank is issued to a wider range of people, with credit advanced in advance and accumulated records. Moreover, during the promotion period, the points rewards of CITIC Blue Card are more favorable than those of other credit cards.