Question 2: What does a credit card mean? It's a credit card, but there is no limit.
This is because your proof materials are not enough for credit card approval, and the bank doesn't want to give you up as a customer, so you can enjoy the functions of credit card (such as discount of goods and establishment of credit record), but the amount is very low, only 1 cent
You can save money for consumption first, and the bank will invite you to issue a formal credit card again according to your spending power and financial factors.
I have such a card, but it has been cancelled! It's no use. CITIC's credit card is not good and the cost is high.
Question 3: The difference between mobile credit card and electronic credit card of CITIC Bank. CITIC Credit Card is issued by CITIC Bank, giving cardholders a certain credit limit. A bank card that the cardholder can spend first and then repay within the credit limit is a credit card that truly meets international standards. A real credit card is also called a credit card. The following table is the difference between CITIC Credit Card, quasi-credit card and debit card, so that you can clearly understand the real credit card:
differentiate
CITIC Credit Card (Debit Card)
Semi-credit card
debit card
Application conditions
No guarantor, no deposit, no account.
Need a guarantor or deposit, need to open an account in a bank.
There is no guarantee and you need to open an account in a bank.
Advance deposit
No need to deposit in advance, spend first and then repay.
Need to deposit a certain margin.
You need to deposit before spending.
Credit loan line
Make a comprehensive evaluation based on your personal data and relevant supporting documents.
A small overdraft can be made under the pledged margin.
There is no credit line and you can't overdraw.
Account signature method
Signature use
Signature use
Use by password
statement of account
As long as there are transaction records, we will send statements on time every month.
Yes, but the content is simple.
No statement
Interest bearing method
The interest-free repayment period is as long as 50 days; You can choose to repay in full or according to the minimum repayment amount, and you don't need to pay interest (except cash withdrawal) for full repayment during the interest-free repayment period; Canedo's payment does not include deposit interest; Interest is charged on the overdraft part at 0.5 ‰ per day.
There is no interest-free period, once overdrawn, interest will be charged at the rate of five ten thousandths of the daily interest rate; If there is no minimum repayment amount, it must be repaid in full; The deposit in the card pays interest on demand.
Interest is calculated according to the type of deposit.
Question 4: What does the electronic credit card of CITIC Bank mean? It is a joint credit card launched by China CITIC Bank.
Question 5: What is the name of the APP of CITIC Credit Card? CITIC Bank Credit Card has two APP clients. 1 calling card space and China CITIC Bank. Both can be searched by Baidu or downloaded by Baidu mobile assistant.
Question 6: How to apply for an electronic bill with CITIC Bank's credit card? Just call the customer service number of CITIC Bank's credit card and tell your email address.
Question 7: What is the credit card of CITIC Bank? Any app with card space and CITIC Bank can be used. However, I am directly concerned about WeChat of CITIC Credit Card. It is also very convenient.
Question 8: I want to ask CITic Credit Card: What are the functions and uses of CITIC UnionPay standard IC card? Citic IC credit card accounts are divided into RMB main account and RMB electronic cash account. The initial balance of the electronic cash account is RMB 0 yuan, with the maximum balance not exceeding RMB 65,438+0,000 (inclusive), and the single offline consumption amount not exceeding RMB 200 yuan (inclusive). The balance in the electronic cash account cannot be overdrawn to report the loss, can not be withdrawn for transfer, and does not pay interest. Electronic cash has micropayment application, which can realize offline consumption and deposit and withdrawal.
consume
The cardholder does not check the password and the cardholder's signature when using CITIC IC credit card for offline consumption. All transactions with electronic cash are regarded as the cardholder's own behavior, and the balance of electronic cash account is deducted in real time with offline consumption. If the consumption amount is greater than the balance of the electronic cash account, and the consumer terminal supports online transaction, the transaction will be automatically initiated and fully deducted from the main account. The cardholder shall enter the transaction password (if any) and sign the relevant transaction voucher. Off-line consumption accounting is based on the actual payment request initiated by the transaction merchant.
Circle:
Deposit transaction refers to the transaction in which the cardholder transfers the available amount in the credit card main account of CITIC IC card or the funds in any other debit card or directly transfers the cash into the electronic cash account. At present, it can be completed by using the available line in the main account through the following channels.
Circumferential lifting
Counters, ATMs and POS machines in our business outlets;
Support other banks' ATMs, POS machines, self-service terminals, online banking and China UnionPay terminals (such as mini payment) to make interbank deposits.
Withdrawal transaction refers to the transaction that the cardholder transfers part or all of the balance in the electronic cash account of CITic IC credit card back to his main account, which can be operated online through the counters of our business outlets, ATMs and POS machines. Replacement card due, loss reporting, account cancellation, card replacement damage, etc. If the cardholder does not take the initiative to withdraw electronic cash, the balance of the old card electronic cash account will not be automatically withdrawn back to the main account, that is, the old card electronic cash can continue to be consumed.
Report the loss and change the card
The loss reporting of CITIC IC credit card is only valid for the main account, but not for the electronic cash account. Only after the reported loss of the old card expires and the liquidation period of China UnionPay (20 days) ends, the electronic cash of the old card can be automatically withdrawn back to the main account.
Question 9: How to withdraw electronic cash from CITIC Credit Card? Hello,
Electronic cash can't be withdrawn, only consumed.
Satisfied with the answer,
Please adopt,
Thank you.
Question 10: Can I withdraw money from the electronic account of CITIC Bank's credit card? Yes, click on the amount of the electronic bank card, and a menu will pop up in a few seconds, and you can choose to transfer it out. Only on the cards you bound.