CITIC Bank loans are reliable. CITIC Bank is the earliest commercial bank in China to participate in domestic and foreign financial market financing. CITIC Bank mainly provides corporate banking, international business, and capital market services to corporate customers.. .

1. Online application, online approval, and online processing.

2. Fast and efficient: complete information, feedback of approval results within 30 minutes; loan funds arrive in real time.

3. No mortgage: 0 mortgage and 0 guarantee, credit is your best pass.

4. High credit limit and flexible repayment: up to 500,000, you can borrow and repay at any time.

5. Low cost: the daily loan interest rate is as low as 0.44‰.

Advantages:

1. There are many activities, especially eating and shopping!

2. If you fool the customer service, you can get a lifetime annual fee exemption

3. Points are easy to get

4. If you use your card well, there will be so-called "credit" and "new express" services, which will give you more money to play with. Wool!

5. The installment quota is relatively high, and it does not account for the quota.

6. If you swipe the Gold Card 5 times, the annual fee for the following year will be waived.

Disadvantages:

1. The installment fee is very high

2. SMS reminder fee

3. The interest-free period is not long

4. Risk control is very strict.

CITIC has many specialty cards and co-branded cards, many of which have always been stars in the card industry, such as the famous CITIC i Platinum Credit Card, which offers double points for online purchases and 1,000 yuan/2 hours of flight delay insurance. , 5 million aviation accident insurance, etc., and there is no annual fee; for example, CITIC Xiaobai Card, the JD Baitiao co-branded card, can be used to repay the Baitiao, extend the interest-free period, and you can also swipe the card to accumulate steel and spend it as money; Another example is Priority Club co-branded cards, Titanium MasterCard cards, etc., which have attracted much attention.

Recently, CITIC has launched Uber co-branded cards, Asia Miles co-branded cards, Cathay Pacific co-branded cards, Dianping co-branded cards, etc. In short, there are many choices, suitable for people with different needs.

1. Credit card security. Credit cards are different from debit cards. Card transactions can be completed through the last three digits, validity period and other information, so the risk index is very high. We often hear that someone’s credit card has been stolen abroad, because foreign credit cards do not require a password, so Once the information on the credit card is leaked, it is normal for it to be stolen. The main loss caused by credit card fraud is the amount of money, and it is not easy to obtain compensation from the bank for these arrears.

2. Disadvantages of high credit card limits. Many people think that the higher the credit card limit, the better, as they can use it as much as they want. What card users don’t know is that the reason banks give you so much credit is because they want you to swipe their cards more. Swiping multiple credit cards is sometimes equivalent to blind consumption and stimulates the desire to consume. In the long run, even if you can afford the repayments, high-limit credit cards will still enslave your life.