Advantage 1: CITIC Bank can apply for credit cards regardless of any qualification. White households, pure white households and credit bureaus have bad records, and they can apply if they are overdue. Advantage 2: the efficiency of online application is very fast, and the card-downloading rate is very high. As long as the information meets, the probability of card-downloading is above 9%. Advantage 3: There are a lot of co-branded cards, and the choice space is very large. Almost all platforms have co-branded cards, and there are more loans behind them. Disadvantages: the number of outlets is relatively small, generally in first-tier and second-tier cities, but generally not in small counties, so it is more difficult to apply. Of course, it's not impossible to apply. You can apply for a card in a different place. You can go to WeChat official account "Finance Factory" to learn about the specific methods. Application Channels When all banks apply for credit cards, they will encounter a problem, that is, the channel problem. I don't know what channel and card type my qualifications are suitable for, so there are four main application channels for CITIC Bank: 1. Offline counter application, which is generally suitable for those with better qualifications, no blacklist, no bad records, and CITIC Bank's loans, financial management, and CITIC Bank's running water. This is the best. 2, find a card clerk to apply at home, this method is suitable for those who have jobs, and there must be a unit that goes to work. If it is a packaging job, it is not suitable for this application. On-site card applicants can take photos of the company. If there are photos, they will basically not call you back, and the probability of passing is high, and the quota will be high. 3. Official website, client; Suitable for customers to apply, can submit your financial proof, the success rate of the card will be high. 4. Third-party channels: There are many such channels, such as Alipay, Taobao, WeChat, etc. Applicants must apply in a third party, and the big data is good, so they can often consume on these platforms. Customers with average qualifications can apply if they are overdue for more than two years. Of course, overdue can also be handled. The method can be learned from the "financial factory". Then you can start applying after knowing this. Today, I will share with you four application channels. For those who have bad credit information, too many inquiry records and overdue records, they can apply.
different levels of credit cards lead to different annual fee collection standards; The annual fee is different for different issuing banks.
how much is the annual fee for general card, gold card and platinum card?
in general, the annual fee of Puka is 1-15 yuan; The annual fee for a gold card is 3-5 yuan, and the annual fee for a platinum card is often above 1 yuan.
Annual fee for a credit card
Can all credit cards be exempted from annual fees?
first, the college student card for college students is free of annual fees for life.
second, most general cards and gold cards are exempt from the annual fee in the first year of card opening, and then the annual fee in the following year can be exempted if the number of swipes reaches the bank's regulations.
Third, because customers who can apply for platinum cards are generally rich in financial resources, some banks will have to pay an annual fee considering that people are not short of this little money.
Annual fee of credit card
Annual fee collection time: If the credit card is free of annual fee in the first year, it is assumed that the card will be opened in March, and the annual fee will be collected in March of the following year.