1. Warning text message. Dear customers of CITIC Credit Card, according to regulatory requirements, if there are abnormalities in the use, repayment or personal credit of credit cards, the bank may take measures such as reducing the credit limit and restricting the use of credit cards. We remind everyone to use cards properly, repay on time, and cherish your credit history.

2. Send group text messages. CITIC Credit Card Reminder: Credit cards are only for personal daily consumption, and you need to swipe the card or withdraw cash through regular channels (cash withdrawals will incur fees). Regarding illegal POS cash withdrawals, according to regulatory requirements, banks have the right to take measures such as reducing the amount and locking the card to ensure the safety of credit cards.

3. Risk control text messages. Dear customer of China CITIC Bank Credit Card, after monitoring, we found that your credit card is suspected of cashing out. If you use the card in violation of regulations, the bank has the right to take measures such as reducing the credit card limit and restricting the use of the card in accordance with regulatory requirements. We would like to remind everyone to use cards in a standardized manner.

1. Credit cards are divided into credit cards and quasi-credit cards. A credit card refers to a credit card where the cardholder has a certain credit limit and can make purchases before repaying within the credit limit; a quasi-credit card refers to a cardholder who deposits a certain amount of petty cash as required, and when the balance in the petty cash account is insufficient to pay , a quasi-credit card that allows overdraft within a specified credit limit. Credit card generally just refers to credit card. Credit card consumption is a non-cash transaction payment method. No need to pay cash when consumption, repayment on the day of payment. According to Article 7 of the "Regulations on the Supervision and Administration of Credit Card Business of Commercial Banks": A credit card refers to a cardholder that records relevant information about the cardholder's account, has bank credit limit and overdraft functions, and provides related banking services to the cardholder.

2. China’s credit card market is still one of the fastest growing product lines in China’s personal financial services market. Although the economic benefits of the industry are full of challenges, driven by economies of scale and growth in consumer spending, the average annual growth rate of China's credit card issuance will remain at around 14 in the next 10 years, and profitability will be further improved. It also tends to improve; according to a report released by the Payment and Settlement Department of the People's Republic of China, as of the third quarter of 2021, the number of credit and debit cards held was 798 million, a month-on-month increase of 0.97, with each person holding one 0.57 credit cards as well as debit and credit cards.