1. After applying for a CITIC credit card, the bank loan officer called and said that I have 30 loan permissions. Is it true?

Don’t take it seriously.

First of all, this is a sales call. There may or may not be a quota, so the 300,000 yuan is just to tempt you. Secondly, it depends on your needs. CITIC Bank Credit Card has always been aimed at serving the public, and has applied credit cards to better serve the public. Many people who have used credit cards know that credit cards are very convenient. They can not only be used in large domestic shopping malls and supermarkets, but can even be used in some foreign countries. Used in consumption places, credit cards greatly facilitate the general public and allow banks to gain more profits from them.

CITIC Bank credit card is one of them, but when using CITIC Bank credit card, you need to pay attention to several issues.

The first thing is to develop good consumption habits and avoid brushing off all the credit limit without restraint. The use of credit cards is because on some occasions, when the cash and bank cards on you cannot be used for normal payment, you can use the credit card. Be able to use credit cards. CITIC Bank credit cards have a certain limit. Generally, high-quality customers will have a higher limit.

Another thing to note is that when using a CITIC Bank credit card, you must repay on time. Repaying on time is a sign of a person's responsibility. If the cardholder cannot guarantee timely repayment, it is best to Don't use credit cards.

The CITIC Platinum Card will charge an annual fee after the regular card is upgraded to a Platinum Card, and it cannot be offset with points, and it will be deducted after the user confirms the upgrade, regardless of whether you open the card (Platinum Card). CITIC Bank Credit Card Center is a business department established by CITIC Bank Head Office in Shenzhen to conduct centralized operations, independent accounting, corporatization and professional management of credit card business.

Loan notes:

1. Do you meet the loan application conditions?

The first is your age, the second is your place of work, and the third is the number of years you have worked in the unit. , the fourth is income requirements, the fifth is credit status, and the sixth is occupational or industry restriction requirements. If these six elements are met, you can apply with confidence.

2. Are the materials ready?

Collect the four-piece loan set: copy of personal ID card, work certificate, punch-in salary statement, and personal credit report, and you can almost call for credit. Manager.

3. The purpose of the loan must be compliant

If you plan to use it for gambling or lending, then the bank will definitely avoid you. And if you use it to speculate in stocks, buy and sell futures, or financial products, these banks will not allow it.

4. The loan amount must be reasonable

Be sure to make a budget before applying for a loan. The loan amount can be increased by 10% based on the budget. If it exceeds this limit, you may have to pay for yourself irrational payment.

5. Ask about the total interest rate of the loan

Zero interest rate ≠ zero interest. The two must not be confused. The so-called zero-interest loan products usually transfer the interest to fees, security deposits, etc. If you calculate carefully, they are not necessarily cheap.

6. Pay on time and don’t overdue

Once overdue, not only will it be recorded on your credit report, but future loans and credit card applications will be affected, and you will also encounter penalty interest.

2. What are the credit card loans of CITIC Bank? Three major products are unveiled!

Nowadays, all major commercial banks have their own credit cards, and China CITIC Bank is no exception. As credit cards become more and more powerful, they can now provide everyone with cash loans. So, what are the credit card loans of CITIC Bank? Let me introduce the relevant situation to you. CITIC Bank's credit card loans include Xinjinbao, casual loan and cash installment. Let me introduce the specific situation of these three products to you respectively. Xinjinbao is a loan product that you can apply for if you have credit. It is mainly designed for new users of CITIC Bank credit cards. This product adopts the form of installment repayment. The longest loan period is 36 months and the shortest repayment period is 6 months. The monthly handling fee is as low as the approval can be completed within 1 day at the fastest. Suijin is a loan product that can be borrowed and repaid at any time. It does not require mortgage or any materials. It can be processed online through the CITIC Bank Credit Card WeChat official account and Dongka Space APP. The application process takes about one minute. After the application is approved, the funds will be available in the fastest 30 seconds, which is very convenient.

Cash installment is also a cash loan product, which adopts the method of installment repayment and monthly billing. The maximum installment time is 36 installments and the shortest installment is 1 installment. Generally speaking, for a loan of 10,000 yuan, the daily fee is yuan. This product supports mobile phone use and repayment anytime and anywhere. The above are the three mainstream products of CITIC Bank’s credit card loans. Generally speaking, these products have the characteristics of simple application process, fast disbursement and long loan period.

3. What are the main loan products of CITIC Bank?

What loans does CITIC Bank have? CITIC Bank is one of China's national commercial banks, headquartered in Beijing. CITIC Bank offers mortgage loans, car loans, consumer loans, etc. For specific loan products, it is recommended to consult the official staff of CITIC Bank.

What are the commonly used loans of CITIC Bank?

House mortgage loans:

Our bank has launched comprehensive, convenient and fast loan products and financial services to fully meet the needs of Consumers need funds to purchase houses. This type of loan is suitable for new and second-hand houses, residential and commercial houses.

Car consumer loans:

Our bank provides low down payment, long-term car sales financial services to consumers who need to buy cars. We have many cooperative brands, convenient application channels, and efficient approval processes. Repayment options are flexible.

Comprehensive credit line for real estate mortgage:

Consumers can apply for a comprehensive line of credit from our bank in the form of mortgage of their own property, and the line can be recycled to meet personal needs. And various consumer needs such as home decoration, studying abroad, traveling, and car buying.

CITIC Bank loans are divided into cooperative and mutual-aid types. The cooperative type has a maximum amount of 5 million, a loan period of up to two years, and requires continuous operation for at least two years. It is cooperated by the government, public institutions, etc. The party invests in setting up a special fund pool to provide guarantees for borrowers; the maximum mutual aid amount is 3 million yuan, the maximum loan period is one year, and it also requires more than two years of continuous operation, requiring no less than 10 applicants** *Set up a special fund pool together with the deposit payment to provide guarantees for all lenders.

The advantages of CITIC Bank’s loan products are as follows:

1. No mortgage required, relying on risk mitigation capital pool to solve guarantee problems;

2. Amplify credit , allocate a credit amount of 3-8 times the amount of the capital pool;

3. Risk-taking, batch application, group development;

4. Flexible use of funds, quota , borrow and return anytime.

4. What types of loans does CITIC Bank have? Can you please introduce the benefits of each type in detail?

If it is a home loan, it is very suitable now. A mortgage loan with a discount of %15 mainly depends on the purpose of your loan.