1. Most credit cards enjoy a certain annual fee-free policy, and you can get an annual fee-free discount by swiping your card. A small number of credit card annual fees are rigid annual fees and must be paid.
2. Credit cards with non-rigid annual fees are not activated and there is no charge. However, CITIC Unlimited Credit Card, Air China World Credit Card, Platinum Credit Card, Magic Titanium Card and annual fee products are not covered, and annual fees will be charged if they are not activated in time.
3. The annual fee of CITIC Credit Card is 2,000 yuan, which refers to the one-year service fee charged by CITIC Bank to cardholders. At the same time, it also refers to the use fee of credit cards, that is, the service fee charged by banks for providing credit card services to cardholders. According to the standard of CITIC Bank, the credit card with non-rigid annual fee will not be charged if it is not activated.
1. CITIC Platinum Card will charge an annual fee after upgrading from ordinary card to Platinum Card, which cannot be offset by points. It will be deducted after the user explicitly upgrades, regardless of whether you open the card (Platinum Card). CITIC Bank Credit Card Center is a business department established by CITIC Bank Head Office in Shenzhen to conduct centralized operation, independent accounting, corporatization and professional management of credit card business.
2. CITIC Bank provides a number of financial services and can provide loans to all sectors of society. In the loan business of CITIC Bank, personal credit loans account for a large proportion. In many cases, individual credit loans can apply for installment payment. Cardholders can apply for interest-free installment payment if the current bill amount reaches 800 yuan or above.
3. Consumers who have already spent money in shopping malls or after a single consumption installment cannot use the bank's request for re-installment payment. In addition, it should be noted that the cardholder of CITIC Bank's credit card can only apply for interest-free installment payment within three working days after the current bill date and before the repayment date. If an individual wants to pay by installments, he can't change it after determining the number and amount of installments. This needs attention. In addition, we must repay in time to avoid more bad credit.