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 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 issued to you is not high, which feels good to me. Because we spend money together lavishly, 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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