How long does it take for CITIC Credit Card long-term loan approval

It usually takes about a month.

Requirements for applying for a credit card:

1. Be 18 years or older and have full capacity for civil conduct;

2. Have a good credit record;

3. Applicants can apply for no more than two supplementary cards for their spouses or relatives who have full capacity for civil conduct.

Materials for applying for a credit card:

1. Identity proof: copy of resident ID card or military officer ID;

2. Work and income proof;

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3. Other proof of financial resources: such as a copy of the real estate certificate, a copy of the driving license, a copy of the deposit receipt, etc.

Credit card application method:

1. Bring credit certificate to the counter to apply: Applicants are required to submit relatively complete asset certification documents and submit the above to the bank for review by the bank's back-end review department.

2. Online banking application: The applicant uses a savings card account under his or her name to open online banking, enter the official website of the required bank, enter the login password and verification code, and then enter the online banking page. Click "Credit Card Service", you can choose to apply for a credit card under the credit card service page, fill in the information and submit it. The review progress and results will be displayed on the online banking.

Credit limit:

The credit limit refers to the maximum overdraft limit that the bank gives you when approving your credit card. You can only spend within this limit, and if you exceed If you exceed this limit, you will no longer be able to use your card to make purchases.

The credit limit is determined based on a comprehensive evaluation based on the information you filled in when applying for a credit card and the relevant supporting documents provided. The principal card and supplementary card*** share the same limit. Under normal circumstances, the RMB limit and the USD limit in a dual-currency credit card can be converted to each other. For example, if your limit is 30,000 RMB, when you use the card overseas, your credit limit is approximately equivalent to 5 ,000 USD.

The credit limit will be adjusted regularly by the bank, but you can proactively provide relevant proof of financial resources to request adjustment of the credit limit. In addition, when you need a higher limit within a certain period of time when traveling abroad, moving to a new home, etc., you can request to increase the temporary credit limit.

The limit of ordinary cards is generally between 1,000 yuan and 50,000 yuan. Students generally earn less than 5,000 yuan.

For those with fixed incomes, civil servants or those employed in financial institutions such as large banks have the highest quotas. The size of the company where the individual works and his or her job level also have a great impact. The type of household registration will also have an impact. The biggest impact is usually personal income (i.e. ability to repay debt, including asset status, historical credit record, etc.).

The limit of a regular card can range from 1,000 to 10,000. The limit depends on many factors. Each bank has different standards and it depends on your personal creditworthiness.

How to apply for a CITIC credit card? Can it be done directly online?

Yes

Log in to the official website of China CITIC Bank Credit Card:

1. Enter your name and ID number for customer verification to verify whether you are a new customer;

2. After new customers fill in the application information, click Submit; old customers confirm the information (after entering the name, the information will be automatically brought out and cannot be modified by themselves), and after verifying that the phone query password is successful, click Submit;

3. Enter the warm reminder page to learn about the follow-up tips for applying for a card;

4. The application methods are divided into: applying for a card at an outlet, applying for a card with a certificate, online banking and verification, applying for a card at an outlet, or applying for a card at a door-to-door location; The system provides card application method options based on the applicant type, and applicants need to select a card application method when applying.

How about CITIC Bank’s credit card?

CITIC Credit Card’s reputation is average, on the lower side.

The main reasons are high cash withdrawal fees, relatively few outlets, few promotions, few outlets, troublesome repayment, and high handling fees for lost cards.

That’s it for the introduction of the credit card in the letter.