I heard that CITIC Bank has a credit card that allows you to borrow money. Some friends wanted to apply for it, but found that they could not apply. It turned out to be because they already held a CITIC credit card, and they felt speechless. So, why is this Is the credit card application only for new users? Let me introduce it to you below. Xinjin Card is a credit card with large-amount cash installment function provided by China CITIC Bank Credit Card Center. After successfully applying for the card, you will receive a credit card from the bank. At the same time, the cardholder can also apply for "Xinjinbao" cash installment, and the borrowed cash can be transferred directly. into the debit card in my name. It is worth mentioning that this credit card has limited application targets, and customers who already hold CITIC credit cards cannot apply. In other words, if you want to apply for this credit card, you must be a new customer of CITIC Bank. This new account generally refers to Customers who do not hold any CITIC credit card in their name. As for why only new accounts can apply, one guess is that CITIC Bank hopes to attract more and more new customers in order to stimulate the issuance of cards. Therefore, old customers are naturally not included in the bank's consideration. Of course, this is just a guess. As for the specific reasons, it depends on what the bank thinks.

If you want to apply for this credit card, in addition to being new, you must also meet the following three conditions: 1. You must be between 18 and 60 years old, hold a second-generation ID card, and be in Chinese citizens who have lived in mainland China for a long time; 2. Have a good personal credit record; 3. Sustained and stable work and income. Applying online is more convenient and faster, and there are also gifts for applying for a card.