How to apply for CITIC Bank Xiaomi Credit Card (credit card)?

It is understood that there are two ways to apply for CITIC Bank Xiaomi Credit Card (credit card):

1. Download, register and log in to Xiaomi Wallet APP, click Xiaomi Credit Card (credit card) Click the button to apply.

2. Download, register and log in to the Xiaomi Mall APP. In "My" - "My Wallet" - "Xiaomi Credit Card (Credit Card)", you can run the application according to the page prompts.

How to apply for Xiaomi Credit Card (credit card)?

Each bank has jointly issued a co-branded credit card (credit card) with Xiaomi. If you want to apply for a Xiaomi credit card (credit card), you can apply from the Xiaomi Finance APP, or of course, you can apply directly to the official website of the card-issuing bank. Or apply at offline business outlets. The application conditions for Xiaomi credit cards (debit cards) issued by different banks may be slightly different, but in general, as long as the applicant has good credit qualifications, has a stable job and income, and has a certain ability to repay, the application is relatively easy to pass. of.

What do you need to apply for a credit card with Xiaomi Wallet? How much overdraft can I generally get? Do I need to provide proof of financial income?

Xiaomi Wallet requires the following materials to apply for a credit card:

1. Proof of employment and income. You need to go to the bank to pick up this certification application form, fill in some basic information yourself, and then give it to your employer to stamp it with its official seal before handing it over to the bank.

2. Proof of social security payment. Proof of social security payment is a good proof of job stability, and the success rate of applying for a social security card will increase.

3. Certificate of deposit. If you have a bank deposit, the card applicant can issue a deposit certificate at the bank and then apply.

4. No proof of financial income is required to apply for Xiaomi Wallet Credit Card.

Xiaomi Wallet credit card overdraft refers to the credit card limit. The credit card limit is also commonly referred to as the credit card available limit. It refers to the maximum amount that can be used by the credit card you hold. It includes the credit limit (that is, the maximum credit card limit that can be used). overdraft limit) and the amount deposited on the credit card.

The limit of any credit card depends on the effective income and asset security value provided by the individual during the application process. The credit limit of a credit card is positively correlated with the applicant's income and secured assets, that is, the higher the income and secured assets, the higher the credit limit obtained. Therefore, applicants must provide proof of income and statements of asset security. Asset guarantees include fixed assets such as real estate and cars, as well as current assets such as savings and bonds.

Extended information:

Every cardholder must pay attention to the following matters when applying for a card:

1. Activate SMS. When using the traditional credit card function of spending first and repaying later within the credit limit and interest-free period, you must pay attention to whether the timely notification function of SMS has been activated, so that you can timely grasp the consumption dynamics of the bank card account.

2. Apply for the automatic repayment function of bank-linked accounts. When using a credit card for overdraft consumption, you must pay attention to the due date of repayment, and try to use the automatic repayment function of the bank-linked account to avoid affecting your personal integrity.

3. Bank customer service phone number. To avoid the risk of using the card due to the inability to provide information when emergency services are needed by the bank, promptly notify the card-issuing bank when changing information, so as to avoid unnecessary trouble or even failure to use the card due to the inability to provide the card-issuing information when reporting the loss of the credit card or other emergency services from the bank. risk.