Is Citibank credit card good? Is it easy to do?

Citibank is a relatively unpopular commercial bank. The credit card limit is very high and the threshold is relatively high. It is a bit difficult to apply. However, the appearance of its card is very good-looking and high-end. Users who like it can apply for it. !

Conditions for applying for a card

Citibank is a foreign-controlled credit card. The application conditions are generally strict and the customer qualification requirements are also very high. Generally, the card can be successfully approved by other banks. Children's shoes are likely to be rejected by Citibank.

Repayment

Citibank does not support online repayment or Alipay repayment from other banks, which are supported by other banks. The only repayment methods supported by Citibank are branch repayment and Lakala repayment, which to some extent makes repayment more difficult for cardholders.

Online banking payment

Children's shoes who like to shop online, please note that Citibank credit cards do not support online banking payment. In addition, the mobile client has limited functions.

Having said so many "bad things" about Citibank, are those who want to apply for a Citibank credit card feel discouraged? In fact, Citibank's credit card certainly has other advantages, and the approval process is strict, so the approval process is very strict. The card limit is relatively high; there are many merchant discounts, and there are Citi merchant activities almost all over the country; over-the-counter repayment ensures the timeliness and safety of repayment.

The focus of this card is its activity. Here are two examples:

1. You can get 3 times the points for designated types of consumption (such as eating, staying at a hotel, KTV, supermarket, JD.com shopping). In this case, for consumption such as eating and staying in hotels and KTVs, the speed of earning air miles is not 18:1, but 6:1, instantly climbing to the top of all credit cards!

2. There is also a points activity within three months of opening the card:

With this activity, this card will instantly have someone to belong to - for eating or shopping in the supermarket. Special card. If you spend a lot of money at a certain type of merchant, this card is a good choice. By the way, it is recommended to apply for Dual Currency Master for this card, which will issue you a RMB UnionPay card (Gold) and a US dollar Master card (Titanium). The latter is also what we commonly call Titanium Card, and it does not charge an additional annual fee. In other words, after paying the annual fee of your main card, you can waive the annual fees of a UnionPay Gold Card and a Master Titanium Card! Please also note that this card is not like most banks that can waive the annual fee by swiping a few times a year. The standard for waiving the annual fee (300 yuan) is to swipe at least 30,000 yuan a year - the threshold for foreign banks is still a bit high. of.

Is the Citibank credit card limit high? What is the general Citibank credit card limit?

Is the Citibank credit card limit high? What is the general Citibank HSBC credit card limit? Because Citibank is a foreign bank, it does not issue many credit card products, but its credit cards have relatively high initial limits and good additional rights, so they are very popular among users. Many users want to know whether Citibank's credit card limit is high, what is the general credit card limit, etc.? Next, Rong360 will tell you about issues related to Citibank credit card limits.

First of all, whether the credit card limit is high or not depends on many conveniences, including the following points:

1. The applicant’s own qualifications: the applicant has a stable job and high income. If the applicant's property is in good condition and he has a good credit record, then the credit card limit he can apply for will be relatively high; conversely, if the applicant has an unstable job or a low income and cannot provide sufficient proof of property, then his credit card limit will be relatively high. The overall score will be low, and accordingly the credit card limit you can apply for will also be low.

2. Card-issuing bank: Different banks have different credit card credit limits. Some banks give higher credit limits and some lower credit limits. Minsheng Bank is a bank with generally higher credit limits.

3. Type of card: Different types of credit cards have different levels, and the corresponding credit limits are also different. The higher the card level, the higher the initial limit that can be issued. Generally speaking, platinum The initial limit of the card is higher than that of Jinpu Card.

So, specifically for Citibank credit cards, is the limit high?

The initial limit of the Citibank Gift Card is generally 0-50,000 yuan, with a cap of 50,000 yuan, which varies according to the applicant's qualifications.

The initial limit of Citibank gift card and premium card is generally 20,000-500,000 yuan, or even higher. The higher the applicant's conditions and qualifications, the higher the initial limit applied for.

Don’t blindly apply for a platinum card just because the initial limit is high. Generally speaking, the annual fee for a platinum card is also relatively high, usually ranging from a few hundred yuan to tens of thousands of yuan, and it cannot be waived by swiping the card. The annual fee needs everyone’s attention.

Is it easy to apply for a Citibank credit card?

It is relatively easy to apply for a Citibank credit card, especially if you apply for a credit card through online channels. No mortgage, guarantee, etc. are required. You can fill in the information directly online and enter the application information directly into the bank's credit card center, which will be processed by the bank. The credit card center reviews and issues the card online and issues the card by express. The application process is very simple. To apply for a Citi credit card, you must first meet Citibank’s basic card application requirements.

I recommend you to apply for the following two Citibank credit cards at Rong360:

Quick card application channel: Citili Gift Card

Quick card application channel: Citili Gift Card Cheng Card

What are the basic requirements for applying for a Citibank credit card?

1. The applicant must be over 18 years old and have full capacity for civil conduct;

2. The applicant must have a stable source of income. A stable source of income means that the applicant Either have a fixed job (at least working for more than half a year) or have stable personal experience (can provide corresponding supporting materials).

3. No bad credit record.

What information do I need to provide to apply for a Citibank credit card?

1. Proof of identity, valid for more than 2 months (inclusive), required by all applicants;

2. Proof of residential address, card delivery address for applicants who choose a work address Need to provide, including water, electricity and gas bills, telephone and television bills within three months (the head of the household must be the applicant), financial institution bills within three months (including banks, funds, insurance companies), other proofs including household registration book, driver's license , passport, employment permit, residence permit, etc.;

3. Proof of permanent address. If the permanent address of the main card applicant does not match the current residential address, a supplement must be provided, including water and electricity within three months. Coal bills, telephone and television bills (the head of the household must be the applicant himself), financial institution bills within three months (including banks, funds, insurance companies), other proofs including household registration book, driver's license, passport, employment permit, residence permit, etc. ;

Some applicants also need to provide the following application materials, including:

4. Proof of income, bank statements for the past three months (must contain the word "salary", if not " For salary, you need to supplement the salary slip or unit certificate (including salary information)).

5. Work certificate, including labor contract (including name, ID card information, company name, address, department and position, The validity period of the contract, and stamped with a valid official seal of the company or personnel), employment certificate (including name, ID card information, company name, address, employment department, position, and stamped with a valid official seal of the company or personnel), business card and work badge, etc. etc.

What is the annual fee for the credit card issued by Citibank?

The annual fee for the main card of Citigroup Extreme Black Card is RMB 20,000, and the annual fee is waived for the first supplementary card. The annual fee for the two supplementary cards starts at RMB 10,000.

The annual fee for the Citi Reward Card is RMB 300, the annual fee for the supplementary card is RMB 150, and the annual fee for the US dollar card is waived.

The annual fee for the Citi Gift Card is RMB 2,000 for the main card and RMB 1,000 for the supplementary card. The annual fee is waived for the US dollar card.

The Citi Rewards Card is free of annual fees in the first year. If the annual cumulative consumption of the main and additional Citi Rewards Card reaches 30,000 yuan, the annual fee will be waived for both the main and additional cards; If the cumulative consumption amount of the additional card Mian Ning reaches 15,000 yuan, the annual fee can be halved.

Cititi Gift Card: 15,000 Citi Gift Miles for the main card can be redeemed for one year's annual fee, and 7,500 Citi Gift Miles for the supplementary card can be redeemed for one year's annual fee.

The first-year annual fee for a Citibank credit card will not be charged until your card (including card replacement upon expiration) is activated. The annual fee for the next year will begin 12 months after the card is approved in the first year. The annual fee period is twelve months after the card is approved, and so on every year.

How is the Citibank credit card? Is it easy to get approved for the Citibank credit card?

Citibank is a relatively unpopular commercial bank. It offers credit cards with high limits, but the threshold for passing the application is also relatively high. A little difficult. Citibank is a credit card controlled by a foreign country. The application conditions are relatively strict and the qualification requirements for customers are also very high. Generally, those who can successfully apply for a card at other banks are likely to be rejected at Citibank.

Citibank does not support online repayment or Alipay repayment from other banks, which are supported by other banks. The only repayment methods currently supported by Citibank are branch repayment and Lakala repayment, which to some extent makes repayment more difficult for cardholders.

However, Citibank’s credit card points are valid for life and can be transferred to others. The points can be directly deducted from consumption fees or annual fees of multiple merchants, and can be redeemed for more than 80 airline miles around the world.

Extended information:

Citibank credit card application conditions:

1. Age. Applicants are required to be over 18 years old. Of course, applicants must also have full civil capacity.

2. Work income. Have a legitimate and stable source of income from work. Generally, those with a monthly salary of more than RMB 7,000 before tax can apply for a Citi gift card, and those with a monthly salary before tax of more than RMB 10,000 can apply for a Citi gift card.

3. Place of residence. Because Citibank is a foreign-funded bank, not all cities have Citibank branches, so applicants are required to live in cities with Citibank branches. Citibank branches are currently established in Shanghai, Beijing, Guangzhou, Shenzhen, Chengdu, Tianjin, Hangzhou, Dalian, Chongqing, Xiamen, Guiyang, Nanjing, Changsha, Wuxi and other cities.

4. Credit. The applicant's credit record must be good, with no overdue or other bad card usage records.

That’s it for the introduction to the Citibank credit card annual fee.