Does the CITIC Bank credit card have a high credit limit? Whether it is high or not depends on your "strength"

Everyone has a love for beauty. The appearance of a credit card is also one of the important factors that attract cardholders to apply for a card. When it comes to the appearance of a credit card, CITIC Bank’s appearance card is undoubtedly responsible for the appearance of the credit card industry. So, in addition to good looks, does CITIC Bank’s credit card have a high credit limit?

CITIC Bank Yan Card has the original "Colorful Series" credit cards and customized Yan Cards. In addition to having high-value card faces, the two different Yan Cards are also gold cards in terms of card grade. level, more suitable for young people to apply. The question of whether the Yan Card limit is high or not, which card friends are more concerned about, requires dialectical analysis.

CITIC Bank’s credit card cards all belong to the gold card level. Generally speaking, the credit card limit issued will be between 10,000 yuan and 50,000 yuan, and the specific application conditions for each applicant are different. , the initial limit finally issued by the bank is also different. If you want to obtain a high limit, you need to meet the following high-quality application conditions.

1. Stable job and high income. It is best to work in the workplace for more than half a year, and the higher the salary level, the better. Valid supporting documents can be provided;

2 . Stable personal life, married with children, owning your own house, and living locally for a long time;

3. It is best to have a college degree or above. The higher the degree, the better it will reflect your quality and development. future;

4. Additional proof of financial resources, including real estate certificates, vehicle driving licenses, large deposit receipts, salary statement certificates, etc.;

In short, CITIC Bank’s credit card has a high credit limit Not high. The bank will make a comprehensive score based on the application information you provide. If you want to obtain a high credit, you should show all your financial strength. However, since it is a gold card, the maximum credit limit will not exceed 50,000 yuan. Colorful card application portal

What is the general credit limit for CITIC credit cards (credit cards)?

CITIC Bank credit cards (debit cards) generally have regular credit card limits of 3,000 to 10,000 yuan, gold card limits of 10,000 to 50,000 yuan, and platinum card limits of more than 50,000 yuan. .

The credit card (debit card) first card limit is closely related to the qualifications and credit status of the person applying for the card. If you want to get a relatively considerable credit limit when applying for the first card, it is recommended that the user provide as much financial proof as possible. And provide as detailed, complete and authentic information as possible.

CITIC Platinum Credit Card Limit

The credit limit of CITIC Bank Platinum Card is generally more than 50,000 yuan. The specific limit is not fixed and mainly depends on the applicant's personal qualifications. CITIC Bank will conduct a comprehensive score based on the information submitted by the applicant and provide the corresponding quota. When CITIC Bank conducts comprehensive scoring, it mainly refers to the applicant's age, employer, income, position, housing, education, marriage, real estate, professional title, credit record, personal financial assets, etc.

The annual fee for the CITIC Bank Platinum Credit Card is 480 yuan, and the annual fee for the supplementary card is 240 yuan. In addition, China CITIC Bank’s i Platinum Card provides annual fee-free services. You only need to swipe the card 12 times to waive the annual fee for the current year, and you can also exchange points for the annual fee with 60,000 points.

If you swipe your card or withdraw cash once within 30 days of card approval, you will be exempted from the annual fee for the first year. If you swipe your card or withdraw cash a total of 5 times within a year, you will be exempted from the annual fee for the next year. No fees will be charged if the credit card is not activated (note: except CITIC Infinity Credit Card, Air China World Credit Card, Platinum Credit Card, Magic Titanium Card, and Annual Fee Package Card).

The limit of CITIC Bank's regular credit card is generally between 3,000 and 10,000 yuan, the limit of gold card is between 10,000 and 50,000, and the limit of platinum credit card is generally between 50,000 and 500,000. CITIC Bank Credit Card Center officially issued CITIC Credit Card on December 8, 2003. CITIC Bank also provides users with supporting credit card services, such as a 24-hour global 800 toll-free customer service hotline. CITIC Bank credit cards have nearly 20 repayment methods, including automatic transfer, cash repayment at the counter, self-service terminal repayment, telephone banking transfer, etc. The CITIC Bank Credit Card Center has also launched services such as "Cinpay Terminal Repayment" and "Lakala Convenient Payment". Application conditions: Domestic users are between the ages of 18-65, and overseas users are between the ages of 25-65; users need to have a stable job and a fixed residence; and have no bad credit record. In addition, you need to provide identity proof information, employment and income proof information when applying.

Methods to increase the credit limit:

1. Don’t forget to swipe your card anytime, anywhere. During the period of using the card, make a lot of purchases with the card. Try to choose stores with credit cards for food, clothing, housing and transportation. The more frequently you use it, the more stable your monthly consumption limit will be. Just change the original habit of cash consumption to credit card consumption. This shows your loyalty to the bank. The bank's information system will count the user's card swiping frequency and credit limit, and will automatically increase the user's credit limit in about half a year.

2. Repay your loans on time and maintain good credit. If you owe money, you must repay it, and only when you exchange it can you borrow money. Banks also strictly follow this ancient truth. If the user does not change the payment on time and does not repay the loan on time, he will definitely have no credit. It is best to repay the loan in full instead of just the minimum repayment amount. The recurring interest will be unbearable for the user.

3. Take the initiative to apply for an increase in your credit limit. After using the credit card normally for half a year, the user can actively submit a written application or call the service to adjust the credit limit. The bank needs approval. Under normal circumstances, the user's credit limit will be increased to a certain extent after reviewing the consumption record and credit record.

I will know immediately what the limit of CITIC Credit Card is

Credit card limit is one of the most basic features of a credit card. When people talk about a credit card, the issue they are most concerned about is What is its overdraft limit? In the past few days, I have received many inquiries from cardholders of CITIC Bank about the limit of CITIC Credit Card. Let me tell you about it below.

CITIC Bank credit card limit division

CITIC Credit Card is divided into three card types: regular card, gold card and platinum card according to different aspects such as limit and rights. The limits are:< /p>

1. CITIC Credit Card regular card 3,000-10,000 yuan;

2. CITIC Credit Card gold card 10,000-50,000 yuan;

3. CITIC Credit Card Platinum card 30,000 yuan Above, there is no upper limit.

Among them, the Platinum Card limit is based on 30,000 yuan, which is determined by the bank after reviewing all aspects of the user. For cardholders with good qualifications, the limit may even reach hundreds of thousands.

After introducing the limit of CITIC Credit Card, I will give you some tips on how to increase the limit of CITIC Credit Card.

Methods to increase CITIC credit card limit

1. Pay more attention to catering and entertainment merchants;

2. Install some transactions worth around a thousand yuan;

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3. Provide large bank deposits, houses, cars and other information to the bank that can prove your economic reality;

4. Bind your credit card to a CITIC Bank savings card.

In addition to the above points, the specific way to apply for a credit limit increase is to call the customer service of CITIC Bank and indicate that you want to apply for a credit card limit increase.

The above is the answer to the question of what is the credit limit of CITIC Bank. I believe that card friends already have a basic understanding of the criteria for dividing credit card limits of CITIC Bank. If you want to increase your credit card limit, You can also use the method provided for everyone.

That’s it for the introduction of CITIC Credit Card’s high limit.