CITIC Blue Card is a credit card launched by CITIC Bank with an initial quota of zero. Users need to deposit before spending. CITIC Blue Card has a password function, which is safe and secure. The amount of this card is the amount of deposit, which is self-raised and easy to use. The acceptance of CITIC Blue Card is much wider than other cards.
The card has comprehensive functions and takes care of three groups of people:
1) users who don't like "spend first and then pay back"
Although the era of credit has arrived and the fashionable consumption mode of credit card has been widely spread, there are still some people who insist on their consumption habits and don't like the feeling of "owing". Among my friends, there are such people. "Paying back the money after consumption always makes me feel that I owe the bank, and I am not happy." Blue card just solved this problem. Users "deposit first and then consume", and cannot overdraw after using up the self-deposited amount.
You can get double points by using the blue card and quadruple points in the month of your birthday; Withdrawal overpayment free of charge; At the same time, Blue Card also has all the functions and services of credit card, including insurance, SMS service, customer service hotline, statement, online banking service, special merchants, mail order, business travel line and so on.
It combines the sureness of debit card with the preferential service of credit card, which is the reason why the first people fell in love with blue card.
2) "irrational and over-consuming" users
As a new way of financial management, credit card has been accepted by most fashionistas. Credit cards have become more and more common in people's lives by swiping cards to get air tickets, gifts and various discounts. However, we also see that the urban "moonlight clan" is growing day by day, and many cardholders who lack the concept of rational consumption have become "card slaves". Citic Blue Card's unique setting of "deposit before consumption" largely regulates cardholders' consumption behavior, allowing them to make accurate plans for their monthly consumption or consumption at a certain stage: deposit the budget in the blue card in advance, get a quota, and you can't spend beyond the quota. Gradually cultivate cardholders' rational concept of financial management.
In the process of using the blue card, CITIC Bank also keeps a credit record for cardholders, and credit cards can be issued after the credit has accumulated to a certain amount.
3) Users who failed the comprehensive evaluation.
For the users who were rejected by the bank for the first time, CITIC Blue Card met their wishes. The zero-line credit card issued by China CITIC Bank has a wider audience, which allows credit in advance and accumulates records. Moreover, during the promotion period, the points of CITIC Blue Card are more favorable than other credit cards.