Usage review of CITIC Bank Taobao Credit Card

How about CITIC Bank Taobao Credit Card? What are the exclusive privileges of CITIC Bank Taobao Credit Card? First, let’s take a look at the basic attributes of CITIC Bank Taobao Credit Card. The annual fee for CITIC Bank Taobao Credit Card is 100 yuan, and the first-year annual fee is waived. The annual fee for the next year is waived by swiping the card 5 times. The interest-free period is up to 50 days. The credit limit is 1,000-10,000, and the cash withdrawal limit is 30% of the credit limit.

In addition, CITIC Bank Taobao Credit Card also has the following features:

Free Taobao membership growth points: CITIC Taobao Credit Card holders can receive Taobao membership growth points (Platinum Card Get 1,000 points as a bonus, 900 points for gold cards, and 800 points for regular cards), enjoy high-level membership benefits, and enjoy special discounts on millions of products from tens of thousands of boutique merchants on Taobao. (1,000 Taobao Growth Points is equivalent to spending 3,300 yuan or 66 valid transactions)

One-stop online application/repayment service: The application, use and repayment of CITIC Taobao Card can be completed online. Really realize the online one-stop service of credit card.

Double points: The calculation is based on the actual points transaction amount in the bill month. The points transaction amount in the bill month is from 0 yuan to 2,000 yuan (excluding 2,000 yuan). Single points are calculated. The points transaction amount in the bill month is calculated. Double points will be awarded for purchases over RMB 2,000 (inclusive).

Competition of three Taobao co-branded credit cards suitable for online shopping

Many cardholders believe that there are no points for online shopping with credit cards. This perception is not entirely correct. Although credit cards cannot be used for online shopping payments You can get consumption points like those generated by swiping your card in a physical store, but as long as you use the right credit card, you can still get corresponding points or cashback rights when shopping online.

For the Taobao people who often shop online on Taobao, the most suitable thing for them is naturally a Taobao co-branded card. There are many benefits to applying for a Taobao co-branded card. Cardholders can not only make points conveniently, but also enjoy certain value-added services. Here are three of them.

1. Industrial Bank Taobao Co-branded Card

This is a UnionPay single-currency card, available in three types: regular card, gold card, and platinum card. In addition to having the basic financial functions of Industrial Bank , the gold card can provide cardholders with 2 million yuan in aviation accident insurance, which is something other Taobao cards do not have.

The biggest advantage of this card is that online shopping can accumulate points through quick payment transactions. Every 1 yuan spent = 1 point, every 500 points = 100 Alipay points = 1 yuan, and the maximum monthly accumulation can be 20,000. Points can be converted into Alipay points and used as cash.

When redeeming points, just click "Click to Deduct Cash", follow the page prompts, select the transaction amount to be deducted with credit card points, and then complete the payment.

2. Guangfa Bank Taobao Card

Guangfa Taobao Card can be divided into two types: male cards and fashionable female cards. They are also UnionPay single-currency cards, including regular cards and gold cards. Each card type has the basic services and functions of Guangfa Credit Card, as well as special functions such as "earning points every day", "multiple points every week", and "grabbing red envelopes every month".

Online shopping with GF Taobao card cannot directly accumulate credit card points, but it can accumulate Jifenbao. Every 5 yuan spent = 1 Jifenbao. When paying, you can use Jifenbao to directly redeem more points. Convenient, 100 Jifenbao = 1 yuan.

You can also quickly accumulate Jifenbao by participating in the event. If you use the quick payment for the first time within 3 months of opening a new card, you will get 5,000 Jifenbao; if you swipe the card every Friday, if the consumption authorization number ends in "8", you can Obtain equal multiplied bonuses; grab bonus red envelopes from 10:00-16:00 on the 8th of every month, and a total of 4 million bonus red envelopes will be randomly sent out on that day.

3. CITIC Taobao Co-branded Credit Card (V Edition) Gold Card

This is a CITIC Bank and Taobao co-branded card. It is a UnionPay single currency card and has the basics of a CITIC credit card. In addition to services and functions, it can also provide cardholders with value-added services such as 1,000 yuan flight delay insurance for four hours.

For online transactions using this card, only quick payment can count points, other online transactions do not count points. If you use Taobao V card for Alipay quick payment transactions on weekdays, you can enjoy up to 5 times the CITIC credit card points; on Taobao special days, you can enjoy points on Taobao Use Alipay to make quick payment transactions within the bank and enjoy up to 10x CITIC Credit Card points.

How about the v version of CITIC Taobao co-branded credit card? What are the advantages and disadvantages

The V version of CITIC Taobao co-branded credit card has two cards: CITIC Taobao V Card Gold Card and CITIC Taobao V Card Platinum Card. CITIC Taobao V Card is an upgraded version of CITIC Taobao Co-branded Credit Card and is also known as Becoming a VIP version, CITIC Taobao co-branded credit card has always been well received, so what about the upgraded CITIC Taobao V Card? What are the special features?

Heavy introduction

Comprehensive list of CITIC Bank credit card discounts in the second half of 2015

1. Advantages of CITIC Taobao co-branded credit card V version

1. A 30-yuan red envelope will be given for the first Alipay quick payment

Within one month of opening the card, new customers of CITIC Taobao V Card will receive a 30-yuan Alipay red envelope if their first Alipay quick transaction reaches (inclusive) 30 yuan. Alipay Red Packet will send the serial number via SMS to the mobile phone number reserved when the customer applied for the card within 5 working days after the transaction is completed. This will cost you 30 yuan for the detailed bill and direct gift, so it is still very cost-effective to apply for this card.

2. Calculation of points for online transactions

CITIC Bank Taobao Co-branded Card (V version) is an upgraded version of CITIC Taobao Co-branded Card. The multiple of accumulated points of Taobao V Card will be calculated according to the application The level of the Taobao account associated with the card is calculated and the points are sent to the Taobao V card account. The calculation of points for online transactions can be regarded as a great feature of this card. Since it is a Taobao card, the calculation of points is also included in the calculation of annual fees, while the online consumption of many other credit cards is not calculated. Points, or the number of card swipes are not counted in terms of annual fee reduction.

3. Rewards of up to 10 times points

Taobao members can accumulate up to 5 times points through Alipay quick transactions on normal days, and on Taobao on special days such as member birthdays, registration anniversaries, and member days. Alipay quick transactions can accumulate up to 10 times points. This way you can quickly accumulate points, and CITIC also has a special points redemption event called "CITIC 9 Share Redemption", which is super cost-effective.

4. Free flight delay insurance

Cardholders of CITIC Taobao co-branded credit card V version can get free flight delay insurance if they order air tickets through designated channels if the gold card is delayed for 4 hours / the platinum card is delayed for 2 hours Flight delay insurance, the insurance premium is up to RMB 1,000. Nowadays, due to bad weather, flight delays are common, and free flight delay insurance is also a good feature.

5. Supports 27 repayment methods

CITIC Taobao co-branded credit card V version has many repayment methods, supporting automatic repayment, online repayment, outlet repayment and telephone repayment . CITIC Credit Card has 27 repayment methods, providing worry-free repayment through multiple channels. There is always one that suits you. Convenient repayment also reduces the risk of overdue repayment, because slow repayment in some repayment methods can lead to expected repayment, and automatic repayment is also a very good option.

6. No guarantor, no deposit required

The dual-free system of no guarantor and no deposit required for CITIC Taobao Co-branded Credit Card v version makes the application procedure simpler and faster, allowing you to get Card free. However, you can quickly apply and get your card issued quickly.

7. CITIC Taobao V Card Platinum Medical Treatment

CITIC Taobao V Card Platinum Card enjoys 300 domestic special-level professors in various medical fields to provide you with health consulting services and VIP appointment registration services. VIP medical health channel. Provide health protection for CITIC Taobao V Card Platinum Card members.

6. Travel protection

CITIC Bank provides free unlimited road rescue services and free emergency gas delivery of 3 liters to more than 30 cities for CITIC Taobao V card holders Car courtesy.

2. Disadvantages of CITIC Taobao co-branded credit card v version

1. The points calculation for online transactions is only for CITIC Taobao V Card Gold Card, while the online transactions for CITIC Taobao V Card Platinum Card are Points are not counted.

2. Reward points will be given after the bill is issued, and the reward points shall not exceed 3 times the cardholder’s permanent limit. Many people have not noticed this. Although it can accumulate points quickly, there is a maximum limit on points. If the cardholder's credit limit is not high, the points may not be too high, but few people have experienced this. this restriction.

Summary: CITIC Taobao co-branded credit card V version is very suitable for young card friends who like to shop online. Since it is a Taobao co-branded credit card, there will be many preferential activities for online shopping. It is an online shopping card. At the same time, it can still be used for offline consumption. Points are calculated for online consumption, and the points are doubled. These two points are enough for online shopping parties to put it down. Although there are some restrictions, this is generally not the case, so I like it. Friends who shop online, hurry up and get one~

Is it easy to get a CITIC Taobao credit card? How to improve the pass rate

CITIC Taobao co-branded credit cards have been very popular since the ban and are considered one of the best credit cards to apply for. However, some netizens still reported that their three applications for CITIC Taobao credit cards were rejected. This is What's going on? Are the application conditions for CITIC Taobao Credit Card very strict? How to improve the approval rate of CITIC Taobao credit card?

1. Is it easy to apply for a CITIC Taobao credit card?

CITIC Bank’s credit card approval speed has always been excellent. You can usually receive initial review feedback on the same day you apply online, and the card can be issued in as little as 3 days. By binding the applicant's Taobao account, this co-branded card greatly improves the efficiency of credit reporting and the success rate of card approval. Therefore, it is relatively easy to apply for a CITIC Taobao credit card, as long as you have a good credit record and a stable job and income. , it’s relatively easy to do.

2. Analysis of the reasons why the application for CITIC Taobao Credit Card was rejected

A netizen revealed that his application for CITIC Taobao Credit Card was rejected three times. The first time he applied online was rejected. The second online application was rejected. The third salesperson application was rejected. Reason for rejection: The comprehensive score is insufficient and the application cannot be approved. However, I don’t know the specific reason for this insufficient overall score.

However, there are several main reasons why credit card applications are generally rejected:

1. The application conditions are not met

One of the application conditions for CITIC Taobao Credit Card is: Yes: The main card applicant must be between 18 and 60 years old. If the age is no longer within this range, you cannot apply. In addition, you must have a stable job and income, and be a natural person who can repay the loan on time. If you cannot provide proof of employment, income, etc., you may run into trouble and your application will not be approved.

2. Bad credit record

This is a taboo when applying for a credit card. No matter which bank you go to to apply for a credit card, the bank will check your personal credit record. If the credit record is bad , then you can only apply if you have a good credit record.

3. How to improve the approval rate of CITIC Taobao Card As mentioned earlier, CITIC Bank Taobao co-branded credit card is actually very easy to apply for. If it is rejected, you can only improve the approval rate through your own reasons. If it is the application condition If you do not meet the standards, you should find ways to improve your personal qualifications, and the more property certificates, credit certificates, etc., the better. If your credit record is bad, you can only eliminate it and apply again. Or you may turn to other banks or apply at a lower level. However, applying for a CITIC Bank Taobao co-branded credit card is relatively easy and easy to use. I wish you can apply for the card as soon as possible~

Which of the top three Taobao co-branded credit cards is the best? Comparison of the advantages and disadvantages of Taobao credit cards

Each bank has its own unique Taobao co-branded credit card, which is both convenient and safe. Since each bank has different policies and targets different groups of people, the limits and usage rules of Taobao credit cards There are also differences in terms of credit cards, so which Taobao co-branded credit card is better? How should we choose? Here are four high-quality Taobao credit cards.

Which Taobao co-branded credit card is the best

Industrial Bank, Ping An, China, China Guangfa, and China CITIC Bank all have Taobao shopping points activities. Industrial Credit Card Center Taobao co-branded card has levels including platinum card standards. Edition, Platinum Card Elite Edition, Gold Card and Regular Card. Which bank's Taobao credit card is better? The factors you need to examine are nothing more than the strength of cash rebates, how many points you get for shopping, how much discount you get when you spend more, etc. Generally speaking, every Taobao credit card has its own merits, and no one can be perfect. However, there are still many people applying for the Industrial Bank Taobao credit card, which meets the consumption needs of most people. The characteristics of other banks may not be so obvious. Card friends We can choose appropriately according to our own needs.

Comparison of the advantages and disadvantages of the three major Taobao credit cards

1. CITIC Taobao co-branded credit card

1. New customers can enjoy a 30-yuan Alipay red envelope when applying for the card;

2. Alipay quick payment earns points, gold card purchases or cash withdrawals earn 2 points for 1 yuan, double for birthdays, up to 10 times points accumulated;

3. There are constant surprises throughout the year, on Wednesdays and Sundays 50% off at six cooperative merchants; you can also enjoy value-for-money promotions such as CITIC Credit Card’s “9-share redemption” and “9-yuan movie watching”; 3 and 4-hour flight delay insurance worth 1,000 yuan.

Advantages: Points are earned for online and offline transactions.

Disadvantages: Reward points are limited, Taobao V6 customers cannot exceed 40,000 points, and V5 and below customers cannot exceed 30,000 points.

2. GF Taobao Card

1. GF Taobao card consumption directly accumulates Jifenbao, every 5 yuan spent = 1 Jifenbao, 100 Jifenbao = 1 yuan ;

2. Every Friday, if the consumption authorization number ends with "8", you can get an equal amount of bonus;

3. On time on the 8th of every month, 10:00-16:00 Grab Jifenbao red envelopes, and a total of 4 million Jifenbao red envelopes will be randomly sent out on that day;

Advantages: Consumption directly accumulates Jifenbao, and Jifenbao can be spent as money.

Disadvantages: Consumption directly accumulates Jifenbao, and does not accumulate GF points. It can only be used on Taobao, and the scope is limited.

3. Ping An Taobao Co-branded Card

1. Online shopping with Alipay quick payment will earn points, and the points can be spent as money;

2. Through Ping An Wanli Tong website Enter Taobao to shop online, and Taobao members will receive 3 times Miles Points;

3. Enjoy the highest points on Wednesdays when shopping at popular cooperative merchants (Tmall, No. 1 store, JD.com, Amazon, Haagen-Dazs, etc.) 100 minus 50.

Advantages: Ping An Taobao Card cooperates with merchants both online and offline, with points for online transactions and as many as 27 offline cities (movies starting from 10 yuan, more than a thousand restaurants and shopping discount merchants)

Disadvantages: There is a 15% handling fee for converting Ping An Miles points into Jifenbao.

Introduction to other Taobao credit cards

1. Industrial Bank Taobao co-branded credit card

Industrial Bank Taobao co-branded credit card covers “credit card online application, credit card fast payment, and online payment with points. , points quick payment, credit card bill online check, Alipay online repayment" and other six functions, customers can operate the entire process through the Internet from application, use to repayment, truly realizing a faster, more affordable and full-process online payment service .

2. Bank of China Taobao Co-branded Credit Card

The Bank of China Taobao Credit Card is a co-branded credit card jointly owned by Bank of China Co., Ltd. and Alibaba Group’s Taobao and Alipay. Conveniently enable online payment by activating the cartoon payment function on the Alipay website. Bank of China also provides services such as easy installment purchase and a global network of preferential merchants.

For Bank of China Taobao Credit Card Cartoon Payment, after signing a contract and binding your credit card and Alipay account, you can directly log in to your Alipay account without going through online banking, and use the Alipay payment password to make payments from the bound credit card. Function, experience simple, safe and fast Alipay online payment.

3. Bank of Shanghai Taobao Co-branded Credit Card

In addition to earning Taobao points, you can also accumulate Taobao co-branded credit card points by making transactions through Alipay Quick Payment. When paying via Alipay Express, you can use Taobao co-branded card credit card points to directly deduct Alipay Express Payment consumption. 750 credit card points = 100 sets of bonuses. In addition, at any Bank of Shanghai business outlet, you only need to actively present this card to enjoy the VIP customer green channel of the outlet and receive priority in handling private cash business.

Is the CITIC Bank credit card easy to use?

CITIC Bank credit cards are pretty good, with the following main advantages:

1. CITIC Bank issues many types of credit cards with various themes, and the threshold for some credit cards is not high, such as QQ Caibei co-branded card is easy to apply for, but the limit is not necessarily high.

2. After applying for a CITIC Bank credit card online, if you are successfully approved, you will receive an official message from CITIC Bank asking you to bring your ID card to the bank business hall. This is also It means that the credit card application has been successfully applied and requires a personal signature for confirmation.

3. The customer service attitude of CITIC Bank is quite good. Whether you go to the business hall of CITIC Bank or call the official customer service of CITIC Bank, you will get a satisfactory answer quickly. However, after all, CITIC Bank does not have as many branches as the four major banks, so it may not be very convenient in some smaller places.

4. CITIC Bank offers many credit card discounts, and if you choose CITIC credit card for the first time to pay on Taobao, you can get discounts, watch movies for 9 yuan, and get cash back when swiping some cards.

Extended information

CITIC Bank credit card is very convenient. It can not only be used in domestic shopping malls and supermarkets, but can even be used in some foreign consumption places. Credit cards are very convenient for ordinary people. Allowing banks to gain more profits.

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.

Baidu Encyclopedia - CITIC Bank Credit Card

This ends the introduction of CITIC Bank Taobao Credit Card and CITIC Bank Taobao Credit Card. I don’t know if you will find the information you need. ?