Is CITIC Bank’s credit card reliable?

1. Credible, but there are certain risks.

2. This method of applying for a card does have certain risks. First of all, blindly providing personal information to the other party without being able to confirm the other party's identity can easily be used by criminals to forge credit cards using your identity. By the time it is discovered, serious losses have usually been caused. Secondly, if you apply for a card without knowing the card fees, you are likely to apply for a card that you cannot use at all or that charges very high fees. This will only increase your burden. If you want to cancel it, it will be time-consuming and laborious. Finally, some criminals take advantage of cardholders' eagerness to apply for cards and charge so-called "agency fees", "card production fees" and other fees, making it easy for cardholders with weak awareness of prevention to be deceived. If you want to apply for a card, it is best to go through formal channels, such as bank branch counters and official websites.

3. Of course, CITIC Bank Credit Card WeChat has many practical functions. It can not only check the card application progress, but also apply for the card online. The progress you mentioned is under "Quick Card Application" In one column, find "Card Application Progress Inquiry" and follow the relevant prompts. Nowadays, there are many online credit card application channels, and WeChat is also used. WeChat has become the diversion platform for credit card applications for card issuers.

1. Every credit card needs to be strictly reviewed by the bank before it is issued, and the bank does not authorize any platform to issue credit cards. At most, it authorizes some intermediary platforms to provide card application platforms, such as Alipay and WeChat. , QQ, etc. If there are similar advertisements in your WeChat circle of friends, such as "You can get a large credit card with just your ID card", then you should be wary. This kind of advertisement is either deceiving information or defrauding handling fees.

2. WeChat credit card application platform. After filling in the information and submitting it online, you only need to wait for the card to be issued. The specific application path is as follows: Personal WeChat - My - Wallet - Credit Card Repayment - Free Credit Card Application. The types of credit cards that can be applied for on WeChat are limited. China Merchants Bank, China Minsheng Bank, China Guangfa Bank, Industrial and Commercial Bank of China, CITIC Bank, Shanghai Pudong Development Bank, Bank of Communications, Bank of China, Ping An Bank, Industrial Bank, and China Everbright Bank each have three popular cards that can be applied for.

Operating environment:

Mobile phone model: ELS-AN002.0.0.2

WeChat: 8.0.16[img]

CITIC Are bank credit cards good? Is it easy to handle?

Good, easy to handle

CITIC Bank is okay. CITIC Bank is an earlier bank and has been launching credit card business for a long time, in terms of quota, rights, points, etc. Look, they are all worth applying for. Users who are currently using them also say that CITIC Bank Credit Card is very good. Since we want to apply, we need to understand the application conditions for CITIC Bank credit card. First of all, you must be over 18 years old, secondly, you must have legal income, and a good credit record is a must. These three points are important conditions for applying for a credit card. However, the cash withdrawal fee is 3%. You need to know it in advance. For customers who do not need to withdraw cash but just swipe their cards, bank cards are actually the same.

As for the application channels, here are three recommendations for everyone, all of which are very commonly used.

The first method is to apply for a CITIC Bank credit card online: log in to the CITIC Bank Credit Card Center, click "Apply for Credit Card", enter the credit card introduction page, select your favorite card, click "Apply Now", and then enter the application page , fill in the form according to the prompts to complete the application process.

The second method is to apply for a CITIC Bank credit card via the customer service hotline: Dial the CITIC Bank credit card customer service hotline (400-88-95558), press "0" to transfer to manual service, and then press "5" to enter the credit card application function. There will be dedicated staff to serve you. Generally, everyone is willing to call directly. It will be much simpler with manual service.

The third option is to apply for a CITIC Bank credit card via text message. Users only need to pay ordinary text message fees to the mobile phone network operator, and CITIC Bank will send you a reply text message free of charge.

Of course, the application for a CITIC Bank credit card also needs to meet the corresponding comprehensive score. If the review fails, you can apply again after a period of time. The most important thing when applying for and using a credit card is a good credit record. If the credit is not good, the bank will naturally not approve the user.

This is pretty good. It’s easy to get the card when I apply, there are many types, and some of the thresholds are low.

Of course, now all banks are vigorously developing credit card business. Basically all banks offer many types of credit cards.

The review is very relaxed and the requirements for users are not high. They require relevant documents such as ID cards and work permits. But on the contrary, the credit card limit he issues to you is not high, which feels good to me because we spend money together lavishly, and it is not easy to raise the limit. You have to understand this.

There are two types of credit limit in the card. One is cash withdrawal, which can be withdrawn in cash, usually accounting for one-fifth of the total credit limit. The rest can only be spent by swiping the card. Cash cannot be withdrawn or transferred, and a handling fee of 30 yuan will be deducted for cash withdrawals.

Interest will be recorded from the same day, 50% per day; there is no handling fee for credit card swiping, and there will be no interest within 50 days. Repayment The period is 50 days, that is, you have to repay the overdraft card within 50 days after the limit is reached. The minimum repayment amount is one-tenth of the overdraft amount. However, if it is not repaid in the current period, interest will be compounded, and the previous payment will be The interest will also be recorded and compound interest will be charged, but you can also repay in full. You can also ask the bank in detail about this.

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What are the advantages and disadvantages of CITIC Bank credit card?

Advantages:

1. There are many activities, especially eating and shopping!

2. If you fool the customer service, you can get a lifetime annual fee exemption

3. Points are easy to get

4. If you use your card well, there will be so-called "credit" and "new express" services, which will give you more money to play with. Wool!

5. The installment quota is relatively high, and it does not account for the quota.

6. If you swipe the Gold Card 5 times, the annual fee for the following year will be waived.

Disadvantages:

1. The installment fee is very high

2. SMS reminder fee

3. The interest-free period is not long

4. Risk control is very strict.

Extended information

CITIC has many specialty cards and co-branded cards, many of which have always been stars in the card industry, such as the famous CITIC i Platinum Credit Card, which offers double points for online purchases. There are 1,000 yuan/2 hours flight delay insurance, 5 million aviation accident insurance, etc., and there is no annual fee; for example, CITIC Xiaobai Card, which is the JD Baitiao co-branded card, can be used to repay the Baitiao and extend the interest-free period. Swipe cards to accumulate money and spend it as money; other examples include Priority Club co-branded cards, MasterCard Titanium cards, etc., which have attracted much attention.

Recently, CITIC has launched Uber co-branded cards, Asia Miles co-branded cards, Cathay Pacific co-branded cards, Dianping co-branded cards, etc. In short, there are many choices, suitable for people with different needs.

How about CITIC Bank’s credit card?

Whether CITIC Bank’s credit card is useful or not is up to you.

1. There are many types, and some of them have low thresholds.

Nowadays, various banks are vigorously developing their credit card business. Basically all banks offer many types of credit cards. CITIC Bank is no exception. From the official website, there are many types. And the threshold for some credit cards is not high. For example, QQ Caibei co-branded card is easy to apply for, but the limit is not necessarily high.

2. Those who apply online generally need to go to the business office for confirmation.

After applying for a China CITIC Bank credit card online, if it is successfully approved. You will receive official information from China CITIC Bank. Bring your ID card to the bank's business hall. This also means that the card application has been successfully applied. However, at this time, you can see whether it is a regular card or a gold card, but the amount is unknown. Soon, the credit card will be sent by express delivery.

3. Regarding service attitude.

CITIC Bank is doing pretty well. No matter you go to the business hall of CITIC Bank or call the official customer service of CITIC Bank, you will get a satisfactory answer quickly. But after all, CITIC Bank is not as densely populated with sub-networks as the four major banks, and it has relatively fewer branches. Especially in some places it is a bit inconvenient.

4. There are many discounts.

CITIC Bank has many credit card activity pages. People who shop on Taobao must know that after choosing the right thing, when paying, if it is your first time to choose a CITIC Bank credit card If you pay, some of the money will be deducted for you. But it seems to be gone now. Of course, you can also watch movies for 9 yuan, get cash back by swiping some cards, etc.

5. Others

When using a credit card, you must choose a credit card that suits you and is convenient for you. At present, the competition for credit cards among banks is fierce, so when applying for a credit card, you must compare several banks and choose the one that is most beneficial to you.

This is the end of the introduction about CITIC rebate credit card and CITIC Bank rebate credit card. Have you found the information you need?