Is CITIC Bank JD.COM Plus Card Reliable?

This card is more reliable.

JD.COM Plus co-branded credit card of CITIC Bank is a special color card in the domestic credit card market, and the card issuer can obtain the membership of JD.COM Plus for 1 year.

Members include Iqiyi VIP membership card; Cardholders can enjoy flight delay insurance when purchasing tickets through designated channels with this card, and the maximum flight delay insurance can reach 1000 yuan; The accumulated points can be exchanged for JD.COM steel sheets, and the accumulated points in 800 yuan are 1 JD.COM steel sheets. Users can use steel sheets to exchange cash when spending, 1 steel sheets to exchange1yuan in cash.

In addition, the interest rate of this kind of credit card is higher than that of ordinary credit cards, up to 23.8%, and the minimum monthly repayment amount is required to be 20% of the monthly consumption of the card.

If you withdraw cash by credit card, the daily interest will be 0.5% and the monthly interest will be compounded. So how do you choose to pay by day or by month?

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