Citic unionpay standard IC credit card universal card; CITIC Bank Q enjoys the gold card of the joint-name card; CITIC Bank UnionPay Bojinka; Citic Taobao co-branded credit card (V version). These four credit cards of CITIC Bank are rich in rights and interests and easy to operate.

Credit card is a credit certificate issued by commercial banks or credit card companies to qualified consumers.

Two, the form of credit card is a card with the name of the issuer, the validity period, the number, the name of the cardholder and other contents printed on the front. [1] Consumers with credit cards can go to special commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.

Third, the earliest credit card appeared at the end of 19. In the 1980s, the British clothing industry developed the so-called credit card, followed by the tourism and business sectors. However, at that time, the card could only be used for short-term commercial credit, and the money had to be paid back as needed. There was no long-term default and no credit line. In 1950s, McNamara, an American Manhattan credit expert, dined in a restaurant. Because he didn't bring enough money, he had to ask his wife to send money. This made him feel embarrassed, so he organized DinersClub (English: Diners Club). Members can bring their dining charge cards to 27 designated restaurants for consumption without paying cash. This is the earliest credit card. Franklin National Bank was the first bank to issue credit cards, and other American banks followed suit.

It is said that one day, Frank McNamara, an American businessman, entertained guests in a restaurant in new york. After eating, he found that he forgot to bring his wallet. He was deeply embarrassed and had to ask his wife to bring cash to the restaurant to settle the bill. So McNamara came up with the idea of creating a credit card company. 1 In the spring of 950, McNamara and his friend Schneider jointly invested110,000 US dollars to establish DinersClub in new york, the predecessor of Diners Credit Card Company. Diners' Club provides members with a card that can prove their identity and ability to pay. With this card, members can keep accounts and spend money. This kind of credit card that does not need to be handled by a bank is still a commercial credit card.

Fourthly, another way of saying credit card is that credit card is a non-cash transaction payment method and a simple credit service. Credit cards are generally plastic cards with a length of 85.60 mm, a width of 53.98 mm and a thickness of 65,438+0 mm, which are issued to cardholders by banks or credit card companies according to users' credit and financial resources. Cardholders do not need to pay cash when using credit cards, and make repayment on the checkout date. Except for some credit cards combined with financial cards, credit cards are different from debit cards and ATM cards, and credit cards will not directly deduct money from users' accounts. 20 12 February, the bank confirmed that the credit card is safer without password, and if it is stolen, it will share the responsibility with the bank. Enjoy an interest-free period of 25-56 days (or 20-50 days). Credit card consumption enjoys an interest-free period, and the bill amount is paid off before the due repayment date, without any cost. There is no interest-free repayment period for cash withdrawal, and five ten thousandths of daily interest will be charged from the date of cash withdrawal, and the bank will also charge a certain percentage of cash withdrawal fee.

What kinds of CITIC credit cards are there? Each type of CITIC Credit Card has its own advantages.

CITIC Bank has set up different types of credit cards for different consumer groups, giving consumers different preferences. Xiaofu showed everyone about these credit cards.

First, online shopping pickpockets: Taobao V card, I Platinum card.

1, Taobao v card

● Holiday surprise, with points doubled 10 times.

On special days such as Taobao member's birthday, member anniversary, Taobao new member registration day, member day, etc., you can enjoy up to 10 times CITIC credit card points when you use Taobao V card for Alipay quick transaction.

30 yuan red envelopes, everyone has a share.

Within one month after the new user of Taobao V card opens the card, the first Alipay express transaction is full (inclusive) in 30 yuan, and the red envelope of 30 yuan Alipay will be returned.

2.I Platinum Card

● Annual fee-free credit card platinum card.

I Platinum is exempt from the annual fee for the first year in 480 yuan, and the annual fee for the next year is exempted by swiping the card (including cash withdrawal) 12 times in the billing year.

● Integral of online transaction table

Double points can be calculated through the online transaction of CITIC I Platinum Card.

● 5 million aviation accident insurance

If you pay 80% or more of the air ticket or tour fare by credit card, you can get high aviation accident insurance without spending money. Your insurance coverage is as high as 5 million RMB! Spouses and children of peers can also have high insurance of up to 2.5 million yuan and 65,438+10,000 yuan, and the whole family can enjoy protection.

●2 hours flight delay insurance

Every natural month, the integral transaction reaches 6000 yuan, and you can claim by plane before the end of the next month.

That is to say, if the trading conditions are suitable, use CITIC I Platinum Credit Card to book air tickets for yourself and your peers through the designated booking channels, and pay the full amount of the air tickets. If the flight is delayed for 2 hours, the compensation can reach 65,438 yuan+0,000 yuan. Caring, caring all the way.

Second, trapeze: air co-branded card, Ctrip co-branded card.

1, China Southern Pearl Credit Card

● Dual-card integration, distinguished experience

Nanzhu credit card integrates Nanzhu membership card and CITIC credit card, which allows users to experience distinguished rights and convenient services in business travel and daily consumption.

● Double mileage, exclusive rights.

With the consumption of China Southern Airlines Card, you can get the corresponding "China Southern Airlines Pearl Mileage" cumulative reward.

Platinum Card: Every time you spend 65,438+00 RMB, you can accumulate 65,438+0 kilometers of "China Southern Pearl".

Gold card: every time you spend 15 RMB, you can accumulate 1 km of "China Southern Pearl" mileage.

Puka: Every time you spend 18 RMB, you can accumulate 1 km of "China Southern Pearl" mileage.

2. Ctrip co-branded credit card

● Full return, waiting for you to play.

New users of CITIC Ctrip Co-branded Card can get 3% refund of air tickets, 6% refund of hotels and 5% refund of holiday products through designated channels within 90 days (inclusive); After 90 days, 0.3% of air tickets, 5% of hotels and 2% of holiday products can be returned through designated channels.

● Flight delay insurance, free.

Citic Ctrip co-branded cardholders can purchase flight delay insurance for free by ordering air tickets through CITIC Business Travel Service Line 40068-95558, Ctrip website and Ctrip mobile phone client APP, and traveling at home and abroad on international and domestic flights.

Platinum card-compensation for flight delay of 2 hours 1000 yuan.

Gold card-4-hour compensation for flight delay 1000 yuan.

Third, the goddess must have: magic credit card

Magic Credit Card (exclusive to women)

● Up to 30,000 yuan female health insurance

Take the lead in providing women's health insurance for CITIC Magic Credit Card holders in China, helping you stay away from many high-risk diseases of women and giving you all-round care! The maximum insured amount of Magic Platinum Card, Magic Titanium Card and Magic Gold Card is RMB 65,438+000,000, and the maximum insured amount of Magic Gold Card is RMB 30,000 (subject to the terms).

● Reward points for online/offline transactions.

Using magic cards for online transactions, ordinary cards will count as single points, and gold and platinum cards will count as double points.

●6 free beauty SPA services

The main card users of CITIC Magic Platinum Card (including distinguished and distinguished levels) can have 6 free high-end beauty SPA services during the annual fee period, and users can share this service with relatives and friends. Provide beautiful pastoral and beautiful beauty services for users to choose from.

Iv. Overseas purchase in buy buy: visasignature full currency credit card.

Visasignature full currency credit card

● Free of 1.5% currency exchange fee.

There is no need to queue up to buy foreign exchange, and there is no charge for buying foreign exchange online!

● Overseas visa lines cost 3 times points.

The higher the cost, the more points, and there is no ceiling. You can redeem air miles and points gifts at will!

● Free of overseas cash withdrawal fees.

Before 201612/31,take it as needed and use it as needed.

● Free annual fee of 2000 yuan.

Apply before 20 16 12 3 1, and the card is valid without annual fee, which is very easy to use!

● Exquisite card opening ceremony

Before 20 16, 12, and 3 1, the new car host who applied for and approved CITIC Quanjintong Credit Card for the first time can open the card at will during the activity and obtain the redemption qualification. Eligible users will receive SMS prompts to redeem exquisite card opening gifts, which can be redeemed through SMS or website.

Cai Xiao suggested that CITIC Bank should open different types of credit cards according to different purposes and scope of use. Consumers should know the details of the card before applying, and then open the card after analysis. Don't blindly open the card, distinguish the annual fee and payment date of the credit card, and avoid credit damage caused by excessive application times, improper management and failure to repay on time.

Which credit card of CITIC is better?

I personally applied for the standard fund of CITIC Bank, which I think has met my basic consumption needs.

For different users with different consumption habits, it is particularly critical to apply for a credit card that suits their consumption habits. Although the functions of credit cards are basically the same, different card types may have different highlights and different preferential activities. Regarding your question, I will answer it in detail from the following points.

I want to talk about my credit card.

My own CITIC Bank credit card is CITIC Standard Gold Card, which is the basic version of CITIC Bank credit card. I have considered using other credit cards of CITIC Bank before, but later I found that my consumption scenario is relatively simple, and there is no need to use additional functions at all. Personally, I prefer the color matching and design of standard gold of CITIC Bank, so I chose this card type.

You can decide which credit card to use according to your consumption demand.

Generally speaking, the amount of different credit card types in each bank is shared, which means that no matter which credit card you apply for, you can get the same amount. Many people choose to handle different cards, mainly because different cards have different functions. If you like online shopping, you can apply for a joint card of CITIC Bank and some e-commerce. If you like traveling, you can apply for a cooperation card between China CITIC Bank and a travel agency.

There are many types of credit cards in CITIC Bank.

In fact, every bank will have different credit card types. For those banks that pay more attention to credit card business, they will design different types of cards to meet various consumption scenarios. As I said above, you can decide what kind of card to apply for according to your consumption habits and consumption scenarios. Generally speaking, there are many choices when applying for a credit card, and you need to choose according to your own preferences.

Finally, if you are really dazzled, I think it is very appropriate to apply for the standard fund, which can meet the needs of most people after all.

[img] What are the best dual-currency credit cards of CITIC Bank for you?

In order to attract customers, major banks are constantly issuing new credit cards every year, and at the same time, in order to meet the needs of different groups of people, they have launched dual-currency and single-currency credit cards. Then, do you know what are the dual-currency credit cards of CITIC Bank? Which is better for a dual-currency card?

What are the dual-currency credit cards of CITIC Bank?

CITIC Bank's dual-currency credit cards mainly include: CITIC MasterCard Standard Platinum Card, CITIC Air China Phoenix Credit Card, CITIC IHG? There are co-branded cards, CITIC Air China UnionPay credit card (platinum card), CITIC VISA standard platinum card, CITIC co-branded card, etc.

Which is better for CITIC Bank's dual-currency credit card?

1. A card suitable for business trip: CITIC Air China Phoenix Companion Credit Card.

Reasons for introduction: If you book air tickets through established channels and travel at home and abroad by international and domestic flights, you can get flight delay insurance for free, and the maximum compensation for flight delay of 4 hours is 1 1,000 yuan; CITIC Bank's 24-hour free accident hospitalization medical insurance; Per consumption 15 yuan cumulative 1 Phoenix accompanying mileage.

2. A card suitable for travel: CITIC Yilong co-branded card.

Reason for introduction: the first brush won 6000 E Long membership points; The hotel provides preferential accommodation, "buy 10 for free1"; 24-hour global free traffic accident insurance.

3. A card that can enjoy distinguished service: CITIC VISA standard platinum card.

The above is the introduction of CITIC Bank's dual-currency credit card. I hope it works for you.

Which is the best credit card of CITIC Bank?

As one of the most popular commercial banks, CITIC Bank has a wide variety of credit cards. If you choose to run CITIC Bank for the first time, you must have no choice. So what credit cards are worth handling at CITIC Bank today? Let's see what credit cards are suitable for you.

Use credit cards abroad

Introduction: CITIC Full Currency Card, referred to as CITIC Full Currency Card for short, is suitable for overseas shopping, traveling and studying abroad.

Bring your own advantages:

1. Free of currency exchange fees and overseas cash withdrawal fees.

2. Free of annual fee

3. The monthly cash back for overseas consumption is as high as 6%.

4. Spend 3 times points abroad.

Credit cards are used in daily life in China.

Introduction: Young people's first Platinum UnionPay credit card is suitable for cardholders who often shop online in China.

Bring your own advantages:

1. Accumulate double points for online transactions.

2, 2 hours flight delay insurance

3150,000 yuan aviation accident insurance

4. 1 10,000 yuan accidental hospitalization medical insurance

5. The annual fee is free in the first year, and the annual fee is reduced by swiping the card 12 times in the second year.

Introduction: online trading double points, suitable for women to apply.

Bring your own advantages:

1, single points for Puka, double points for Golden Card and Platinum Card.

265438+ 10,000 yuan female health insurance

3. Six high-end beauty spas throughout the year

Introduction: High-value cards are suitable for cardholders who shop in JD.COM all the year round.

Bring your own advantages:

1, the first to send 25 yuan white coupons; New users who spend more than 399 yuan will be given a lock lock capsule thermos cup or 14 inch Leshang leisure backpack; New users spend more than 3999 yuan in a single transaction, and they are given a 20-inch Ramowa boarding box (50 pieces).

2. White stripes are free of installment shopping

3, 4 hours 1000 yuan flight delay insurance

4. The integral is steel _, and one steel _ equals one yuan.

5. Credit card or withdrawal in the current month is exempt from the annual fee for the first year.

High end credit card

Card selection strategy CITIC Bank credit card is worth starting with.

Introduction: Suitable for high-income applicants.

Bring your own advantages:

1, double integral

2. Free medical institutions

Which is better, CITIC Bank Platinum Credit Card or Partner Credit Card?

They are all good, and each has its own advantages.

CITIC Bank's "Air China Companion" membership card integrates Air China Companion membership card and CITIC Credit Card, and the benefits it can enjoy include 24-hour aviation accident insurance and so on. You can get high aviation injury insurance free of charge by using "Air China Companion" CITIC Credit Card to pay air tickets or paying more than 80% of the tour fare. The maximum insured amount of platinum card and titanium card is RMB 6.5438+0.5 million. The maximum insured amount of gold card insurance is 3 million yuan, and the maximum insured amount of ordinary card insurance is 500,000 yuan, and the spouses and children of peers enjoy protection. Free medical care for unexpected hospitalization for 24 hours, providing emergency rescue for 270 online hospitals covering 3/kloc-0 provinces and cities nationwide. In case of accidental hospitalization, you can enjoy accidental hospitalization medical insurance. The insured amount of platinum card/titanium card is as high as 10000 yuan; Gold card/Puka is as high as 5000 yuan. CITIC Bank I Platinum Credit Card can be said to be the most popular platinum credit card of CITIC Bank because of its excellent welfare and annual fee policies.

Benefits:

1. Online transactions can not only enjoy points, but also enjoy double points. Maximum monthly income and expenditure of subsidiary account 10000. You can also enjoy 4 times points in the birthday month.

2. Traffic can enjoy great safety. Cardholders can get 5 million yuan of accident insurance completely free by paying the full air ticket or not less than 80% of the holiday tour fee with their cards.

This is the end of the introduction of what credit cards are good for CITIC and what credit cards are good for CITIC Bank. I wonder if you found the information you need from it?