How about CITIC Bank Taobao Credit Card? What are the exclusive privileges enjoyed by CITIC Bank Taobao Credit Card? First of all, let's take a look at the basic attributes of CITIC Bank Taobao Credit Card. The annual fee of CITIC Bank Taobao Credit Card is 100 yuan, which is free in the first year, free in the second year after swiping the card for 5 times, and the interest-free period is up to 50 days. Credit line 1 thousand-1 thousand, and the withdrawal amount is 30% of the credit line.
In addition, CITIC Bank Taobao Credit Card also has the following characteristics:
Giving away the growth points of Taobao members: CITIC Taobao Credit Card holders can get the growth points of Taobao members (Platinum Card 1000 points, Gold Card 900 points and Puka Card 800 points), enjoy the treatment of senior members and enjoy special discounts among tens of thousands of boutique merchants on Taobao. (1000 Taobao growth points are equivalent to spending 3300 yuan or 66 valid transactions)
One-stop service for online application/repayment: The application, use and repayment of CITIC Taobao Card can be completed online through self-service, realizing one-stop service for credit card online.
Double points: filed according to the actual transaction amount of monthly points of bills. If the monthly integral transaction amount of the bill is between 0 yuan and 2,000 yuan (excluding 2,000 yuan), it will be double integral. If the monthly integral transaction amount of the bill exceeds 2000 yuan (inclusive), double the integral.
How to withdraw cash from CITIC Taobao co-branded card? How much is the cash withdrawal fee?
Although credit cards are mainly used for credit card spending, sometimes you can't use cash, and you only have a credit card, so you can only withdraw cash by credit card. Card friends are very curious. Citic Taobao co-branded credit cards mainly rely on online shopping, so how can we withdraw cash like other credit cards? How to calculate the withdrawal fee?
I. Withdrawal Amount of CITIC Taobao Co-branded Card
CITIC Taobao co-branded credit card is a co-branded credit card owned by CITIC Bank, Taobao and Alipay under Alibaba Group. Online shopping can also earn points. CITIC Taobao Card, like other credit cards, can be overdrawn for cash withdrawal. The general credit line of CITIC Bank Taobao Credit Card is about 1, 000- 1, 000, and the cash withdrawal line is about 30% of the credit line. Therefore, the higher the credit card limit, the more money you can withdraw.
Second, CITIC Bank Taobao Card Withdrawal Fee
Cash withdrawal fee for local peers: 2% of the transaction amount; Minimum 20 yuan;
Local inter-bank cash withdrawal fee: 2% of the transaction amount; Minimum 20 yuan;
Handling fee for withdrawing cash from peers in different places: 2% of the transaction amount; Minimum 20 yuan;
Handling fee for inter-bank cash withdrawal in different places: 2% of the transaction amount; Minimum 20 yuan;
Overseas UnionPay cash withdrawal fee: 3% of the transaction amount; Minimum 30 yuan;
Handling fee for overseas non-UnionPay cash withdrawal: The general card does not have this service, and the gold card does not. The platinum card is charged at 3% of the cash withdrawal amount, and the lowest is 3 yuan dollars, 30 yuan dollars or 3 yuan euros. In fact, it is not recommended to withdraw cash by credit card. Basically, all credit cards have a handling fee and no interest-free period. From the date of withdrawal, the daily interest of five ten thousandths shall be paid off. Once you actually withdraw cash by credit card, remember to pay it back in time. The longer the time, the more the handling fee, which is equivalent to rolling interest.
Is CITIC Taobao Credit Card easy to handle? How to improve the pass rate
CITIC Taobao co-branded credit card has been very popular since it was suppressed, and it is also considered as one of the easiest credit cards to handle. However, some netizens reported that his application for CITIC Taobao Credit Card was rejected three times. What happened? Are the application conditions of CITIC Taobao Credit Card very harsh? How to improve the pass rate of CITIC Taobao Credit Card?
1. Is CITIC Taobao Credit Card easy to handle?
The credit card approval speed of CITIC Bank has always been excellent. Generally, online applications can receive initial feedback on the same day, and the card can be issued in 3 days at the earliest. By binding the applicant's Taobao account, this co-branded card greatly improves the efficiency of credit reporting and the success rate of card handling. Therefore, the application of CITIC Taobao Credit Card is relatively easy to pass, as long as the credit record is good and there is a stable job and income, it is still relatively easy to handle.
Second, the application for CITIC Taobao Card was rejected.
The netizen revealed that the application for CITIC Taobao Credit Card was rejected three times, and the first 1 time was that the online application was rejected. The second online application was rejected. The third salesman applied and was rejected. Reason for rejection: the comprehensive score is insufficient, and it cannot pass the examination and approval. However, this comprehensive score is insufficient, and I don't know what the specific reason is.
However, general credit card applications are rejected mainly for the following reasons:
1. cannot meet the application conditions.
One of the application conditions of CITIC Taobao Credit Card is that the principal card applicant is over 18-60 years old. If the age is no longer within this range, you cannot apply. Another point is that he must have a stable job and income, and a natural person who can repay the loan on time. If you can't provide proof of work and income, etc. You may get into trouble and your application will not be approved.
2. Bad credit record
This is a taboo for applying for a credit card. No matter which bank you apply for a credit card, the bank will check your personal credit history. If you have a bad credit record, you can only apply if you fill it up.
Third, how to improve the pass rate of CITIC Taobao card As mentioned earlier, CITIC Bank Taobao co-branded credit card is actually very easy to handle. If rejected, you can only improve the pass rate through your own reasons. If the application conditions are not up to standard, we should find ways to improve our personal qualifications, as well as property certificates and credit certificates. If the credit record is not good, you can only cancel the credit record and reapply. Or transfer to another bank or apply for a lower level, but it is relatively easy to apply for CITIC Bank Taobao co-branded credit card. I wish you an early card issuance ~
How about V version of CITIC Taobao co-branded credit card? What are the advantages and disadvantages?
CITIC Taobao co-branded credit card V has two cards: CITIC Taobao V Gold Card and CITIC Taobao V Platinum Card. CITIC Taobao V Card is an upgraded version of CITIC Taobao co-branded credit card, and has also become a VIP version. CITIC Taobao co-branded credit card has been widely praised. What about the upgraded CITIC Taobao V card? What are the special functions?
Heavy introduction
China CITIC Bank offers 20 15 credit card discount in the second half of the year.
First, the advantages of V version of CITIC Taobao co-branded credit card
1, the first Alipay express payment sent a red envelope to 30 yuan.
Within one month after the new customer of CITIC Taobao V card opens the card, the first Alipay express transaction is full (including) in 30 yuan, and the red envelope of 30 yuan Alipay will be returned. Alipay red envelope will send the serial number to the mobile phone number reserved when the customer handles the card by SMS within 5 working days after the transaction is completed. This is a detailed list, and I sent 30 yuan directly, so it is worthwhile to apply for this card.
2. Calculate the points of online transactions.
CITIC Bank Taobao Co-branded Card (V version) is an upgraded version of CITIC Taobao Co-branded Card. The multiple of accumulated points of Taobao V card will be calculated according to the relevant Taobao account level when handling the card, and the points will be sent to Taobao V card account. The integral calculation of online transactions can be regarded as a major feature of this card. Because it is a Taobao card, the calculation of points in calculating the annual fee is the same as that of online credit card consumption, while many other credit cards do not calculate points in online consumption, or do not count the number of credit cards in terms of annual fee reduction.
3, the highest reward 10 times points
Taobao members can accumulate up to 5 times points for Alipay express transactions on weekdays, and up to 10 times points for Taobao Alipay express transactions on special days such as birthdays, registration anniversaries and member days. This can quickly accumulate points, and CITIC also has a special "CITIC 9 Sharing Exchange" point exchange activity, which is super worthwhile.
4. Free flight delay insurance
Citic Taobao co-branded credit card V cardholders order air tickets through designated channels. If the gold card is delayed for 4 hours/the platinum card is delayed for 2 hours, they can get free flight delay insurance, and the maximum insurance amount is 65,438 yuan+0,000 yuan. The weather is bad now, and flights are delayed frequently. Free flight delay insurance is also a good feature right.
5. Support 27 repayment methods.
Citic Taobao co-branded credit card V has many repayment methods, which support automatic repayment, online repayment, branch repayment and telephone repayment. There are 27 repayment methods of CITIC Credit Card, and there is always one that suits you. Convenient repayment also reduces the risk of overdue repayment, because some repayment methods will lead to expected repayment, and automatic repayment is also a very good choice.
6. There is no guarantor and no deposit.
CITIC Taobao co-branded credit card V is free of guarantor and deposit, and the application procedure is simpler and faster, allowing you to pick up the card freely. But it is possible to apply quickly and get the card quickly.
7. CITIC Taobao V Card Platinum Medical
Citic Taobao V Card Platinum Card enjoys 300 experts and professors in various medical fields in China to provide you with health consultation service, VIP appointment registration service and VIP medical health channel. Provide health protection for CITIC Taobao V Platinum Card members.
6. Travel guarantee
CITIC Bank provides unlimited car road rescue services for CITIC Taobao V cardholders free of charge, and delivers 3 liters of emergency oil free of charge, courtesy to more than 30 cities.
Second, the shortcomings of V version of CITIC Taobao co-branded credit card
1. The calculation point of online transaction is limited to the gold card of CITIC Taobao V card, and the online transaction of platinum card of CITIC Taobao V card is not counted.
2. After the bill, the bonus points will be given uniformly, and the bonus points will not exceed 3 times of the cardholder's permanent quota. Many people have not noticed this. Although the integral can be accumulated quickly, there is an upper limit to the integral. If the cardholder's quota is not high, the points may not be too high, but few people have been restricted.
To sum up, V version of CITIC Taobao co-branded credit card is very suitable for young cardholders who like online shopping. Because it is a Taobao co-branded credit card, there will be many preferential activities in online shopping. It is still available for online card purchase and offline consumption. It is enough for online shopping parties to put it down ~ Although there are some conditions, it will not happen generally. Friends who like online shopping should get started quickly ~
What is the limit of CITIC Taobao co-branded credit card? What are the application conditions?
CITIC Taobao co-branded credit card is a credit card purchased by CITIC Bank online. For friends who love online shopping, Taobao co-branded credit card is a great benefit. Today, I will bring you the credit line of CITIC Taobao co-branded credit card. Let's have a look.
What is the limit of CITIC Taobao co-branded credit card?
In order to provide better service to consumers, the credit cards jointly signed by CITIC Bank Taobao are between 3,000 yuan and 50,000 yuan.
However, the banking system will review the credit card amount according to the personal data and other certificates provided by the application, and the specific amount still depends on the amount issued by the bank.
If it is approved, the bank will send a text message to verify the information, bring the ID card to the bank outlet, and handle the card on the spot after verification. If there is no debit card from CITIC Bank, the online shopping quota will also be limited, generally 500 yuan RMB/day.
What are the application conditions for CITIC Taobao co-branded credit cards?
1. MasterCard applicants must be natural persons with full civil capacity, aged between 18 and 60 years old.
2. Have a stable working income and be able to repay on time.
3. No bad credit record.
The above is "What is the credit card limit of CITIC Taobao? What are the application conditions? "Related content. This card has a wide credit range and good rights and interests. It's a must-have card for home. Highly recommended.