What is the credit card limit of CITIC? Analysis of credit card limit of CITIC
Many cardholders want to apply for a credit card, but they don't know how much credit can be approved. I just want to know how much the credit card of CITIC is, and what factors will affect the credit card approval amount. Let's analyze these issues for everyone.
question 1. what is the credit card limit of citic?
Answer:
The credit card limit of CITIC Bank is generally within the range of 3, yuan to 5, yuan. The amount of gold cards is slightly higher than that of ordinary cards. Generally, gold card users can enjoy the amount of 1, to 5, yuan. In addition, if CITIC cardholders want to withdraw cash by credit card, the credit limit is 5% of the credit line.
There are ways to increase the temporary credit limit of CITIC Bank, but it is not long-lasting. The methods are as follows:
1. Call the bank's customer service hotline to apply for increasing the temporary credit line. The bank will review it according to your credit history and card usage, and will try its best to increase your credit line.
2. You can also log in to Bank Credit Card Online Banking and select "Main Card Limit Adjustment" in "Card Management" to apply for increasing your temporary limit.
question 2. what factors affect the credit card limit of citic?
Answer:
The credit line of CITIC is not much different from that of other banks. The most fundamental thing is to look at the basic situation of the individual. Every bank has its own set of comprehensive scoring standards, and so does CITIC Bank. The general situation is that the comprehensive score is based on the applicant's age, gender, unmarried, local registered permanent residence, education level, work unit, position, income certificate, bank credit report, etc. The higher the score, the higher the natural quota.
In addition, CITIC Bank has also made a rough division of the credit card limit for the applicant's reference.
1. The credit line of CITIC Bank's general card is between 3, and 1, RMB,
2. The credit line of CITIC Bank's gold card is between 1, and 5, RMB.
3. The credit line of the Platinum Card of CITIC Bank is generally more than 5, yuan.
4. The maximum credit card withdrawal amount of CITIC Bank can reach 3% of the actual amount.
Is it easy to approve the credit card of CITIC Bank? How about the credit limit
Is it easy to approve the credit card of CITIC Bank?
It's best to apply for a credit card of CITIC Bank. It's best to apply for a credit card of CITIC Bank. Applicants fill out a credit card application form on the Internet, and then they will receive a phone call and a short message reminder from the bank, so that you can take your ID card to the designated bank outlets for data audit. If there is real estate, the car can increase the credit card limit for you. The fastest day from application to card release, the slowest 2 days, the audit data is very simple, which can be said to be zero threshold.
The credit card limit of CITIC Bank will be
yes, it is recycled.
How to calculate the credit card and account limit of CITIC Bank
Hello, the credit card limit is determined according to the information and credit status provided by the cardholder when applying, which is the maximum limit for overdraft consumption and cash withdrawal by the cardholder. Available credit line refers to the unused credit line of your credit card. The available amount will decrease with each consumption, and will be restored accordingly with your repayment in each period.
Puka: 1,-1,, and 5, if there is no gold card;
gold card: 1,-5,, and only gold cards are available for city cards, with a quota of 5,-5,;
platinum card: 5, yuan plus temporary limit. Basically more than 6,, and more than 2,;
Unlimited card: Only platinum cards are invited to issue cards, saying that it is unlimited, but there is still a quota, which is the same as the platinum card with a fixed temporary quota of 5W.
how about the credit card of China citic bank?
July 14th at 23:33. Hehe, I'm from China CITIC Bank. Do you want a credit card? It's not that I belittle my bank, so it's not easy to handle it. The application forms, income certificates and photocopies of ID cards have been submitted to the bank. These three things are necessary. Especially the proof of income! However, recently, when all units heard that employees wanted to apply for credit cards and issued income certificates, they didn't give them, for fear that employees would not pay the money and bring trouble to the unit. In fact, even if the money is not paid, the bank will never ask the unit for it. (Some banks don't need proof of income, which is our disadvantage, but it's actually quite easy to use.)
Find out the mistake ┆
The tasks and benefits of employees in CITIC Bank Credit Card Center:
1. Job content-handling credit cards means handling credit cards for customers as much as possible, of course, customers need to find them themselves. Nowadays, people who do cards give small gifts, and some of them are bought by themselves. 2, the gold content of the job-not high, just a simple salesman, running by himself every day, through his own relationship, through strange visits to the unit, posting online, etc., very hard. 3, the initial stage is easier, because after all, everyone has friends and some relationships. The key is whether these relationships are used up and whether customers can be developed. 4. Salary composition: First of all, it is not a formal employee of the bank, but a contract with a third-party intermediary dispatching agency, which belongs to the form of dispatching workers. The contract is one year, with insurance and medical insurance, and the guaranteed amount is generally 8, and then the commission is paid according to the amount of cards handled. 5. Prospects: Outstanding performance, you can be promoted to business supervisor, that is, you are responsible for leading salesmen and managing their salesmen. You also have the opportunity to work in a bank and become a regular employee, but you have worked for at least one year and performed well.
personally, I think the general
withdrawal fee is more expensive
discount is also quite general.
I personally like ICBC Peony to buy credit cards. This card is good.
there is no handling fee for cash withdrawal. There are also many discounts.
It is said that ICBC ranks among the best in the World Bank.
There are many credit card activities of CITIC Bank in big cities, which is worth handling. However, if you handle CITIC Card directly without other banks' credit cards, the chances of issuing the card are generally very small and the amount is very low. If you don't mind the quota and just want to participate in the activity, you can apply online directly. < P > It's ok. It depends on what you are going to do. You can go to official website to see the types of cards and see if there are any that suit you.
how to adjust the credit card limit of citic bank?
The credit limit of CITIC Bank's credit card is divided into temporary credit limit and fixed credit limit:
1. Temporary credit limit application, which requires the cardholder to hold the card for at least three months. The cardholder calls the bank's customer service to apply, and the bank will make adjustments according to the customer's credit status and card usage.
the temporary credit line is valid for a maximum of 3 months, and your credit line will be automatically restored to the original one after expiration. After the temporary limit expires, the used temporary limit (the part exceeding the fixed limit) does not enjoy the convenience of recycling credit, and will be included in the minimum repayment amount of the latest bill, which must be paid off in one lump sum on the due repayment date.
2. The credit limit of a fixed credit card must be at least six months. At the same time, the applicant needs to provide sufficient credit certification materials, which will be audited by relevant departments. Generally, it takes 3 working days to get the results.
Several methods of credit card withdrawal:
1. Usage times: credit cards are frequently used, regardless of the amount, as long as they can be swiped, they will definitely be swiped.
2. Amount: It is best that the monthly bill consumption should be at least 3% of the total amount.
3. The bill for credit card consumption needs to last for 3 months in a row, and cannot be interrupted in the middle, that is, there must be consumption every month.
What is the general credit limit of CITIC
Credit cards of China Merchants Bank, China Everbright Bank and Ping An Bank are relatively easy to apply for.
Supplementary information:
Credit card processing of China Merchants Bank, China Everbright and Ping An is very simple, as long as you have a work card, a medical insurance card and an ID card. China Merchants Bank can also directly apply for completing the information on the credit card official website, and the bank will send the credit card after checking it. In terms of quota, these three banks will also be higher than the four major state-owned banks.
Extended information:
1. The application conditions for China Merchants Bank's credit card are:
1. The applicant is 18 to 6 years old and has China nationality.
2. Applicants should have a relatively stable job and income, with an average monthly income of not less than 3, yuan.
3. The applicant should provide the bank statement of the salary card and the list of social security personal accounts for the past six months. If you have a car and a house, you can also provide real estate license and car driving license.
4. The applicant must have a fixed place of residence, and can provide proof of permanent residence and payment documents for daily life.
5. Applicants should have good personal credit.
As we all know, to apply for a credit card of China Merchants Bank, you need to be at least 18 years old, have a stable job and income, have qualified personal credit information and so on.
6. Credit card applicants of China Merchants Bank must have certain economic ability and have no bad credit record. The applicant should be 18~6 years old (foreigners are 25~6 years old).
2. Basic conditions for credit cards of China Everbright Bank:
1. Credit card applicants must be between 18 and 65 years old, have full capacity for civil conduct, and have legal and stable income, and their personal credit report in China People's Bank meets the applicable conditions for issuing cards of China Everbright Bank.
2. Original valid ID cards (including but not limited to domestic resident ID cards, foreign passports, Hong Kong and Macao residents' travel permits to and from the Mainland, mainland travel permit for taiwan residents, etc.) shall be provided as required.
What is the credit limit of CITIC Credit Card?
The credit limit of CITIC Credit Card is between 3, and 1, yuan, and that of Gold Card is between 1, and 5, yuan. The specific credit limit is determined by CITIC Bank according to the applicant's personal qualifications.
The credit line of CITIC Bank is granted by CITIC Bank Credit Card Center, and cardholders can swipe their cards and spend money within the credit line. The amount of the card you apply for depends mainly on your assets.
We need to remind you that CITIC Bank only approves one credit overdraft limit for all credit cards of CITIC Bank held by the same cardholder. That is to say, no matter how many credit cards of Zhang Zhongxin Bank the cardholder owns, the actual overdraft amount is certain, and these cards * * * enjoy the same maximum limit, which is the credit line.
For example, if you have two credit cards of China CITIC Bank, one with a credit limit of 6, yuan and the other with a credit limit of 1, yuan, then your total amount is not their total, but the highest value is 1, yuan.
How much is the general credit limit of CITIC Credit Card? Inquiry method of available credit limit
The credit card limit directly affects the level of the cardholder's overdraft. Many friends who want to apply for CITIC Credit Card want to know how much is the general credit limit of CITIC Credit Card, and they can only tell you here that the credit limit of the credit card is determined by the credit condition of the applicant and the card grade applied for.
1. How much is the general credit line of CITIC Credit Card
According to the different grades of CITIC Credit Card applied by the applicant, the credit line has certain interval restrictions, but the specific credit line is subject to the comprehensive evaluation of the bank according to the card application conditions of the applicant.
1. Generally, the credit line of Puka is between 3 million and 1, yuan;
2. The credit line of the gold card is within the range of 1,-5, yuan;
3. Generally, the credit line of platinum card is more than 5, yuan;
4. The maximum withdrawal amount of credit card can reach 3% of the credit line.
2. How to inquire about the general credit limit of CITIC
There are many methods to inquire about the credit limit, such as official website inquiry, mobile banking APP inquiry, WeChat WeChat official account inquiry, customer service telephone inquiry, credit card statement inquiry and so on. No matter which way you inquire, you need to verify the identity information of the cardholder.
Summary: The general credit limit of CITIC Credit Card is determined by the bank, and the cardholder can know his credit card limit through various credit limit inquiry methods.
This is the end of the introduction about how CITIC's credit card limit is and how CITIC's credit card limit is improved. Did you find the information you need?