Yes, the CITIC Bank Credit Card UnionPay Standard IC Gold Card was successfully reviewed, which means it was passed.

Credit cards are issued to cardholders by banks or credit card companies based on the user's creditworthiness and financial resources. Cardholders do not need to pay cash when making purchases with the credit card, and repayment will be made on the bill date.

Credit cards are divided into credit cards and quasi-credit cards. Credit cards are issued by banks and give cardholders a certain credit limit. The cardholders can consume within the credit limit and then repay. A credit card; a quasi-credit card refers to a quasi-credit card issued by a bank. The cardholder deposits a certain amount of reserve as required. When the reserve account balance is insufficient for payment, the quasi-credit card can be overdrawn within the prescribed credit limit. The so-called credit card generally refers to a credit card only.

The credit card stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on lt; the People's Republic of China and the Criminal Law of the People's Republic of China; and the relevant provisions on credit cards") refers to a credit card issued by a commercial bank or other financial institution. An electronic payment card issued by an institution with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc.

Main Features

① Credit card is one of the fastest growing financial services today. It is an electronic currency that can replace traditional cash circulation to a certain extent;

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② Credit cards have both payment and credit functions. Cardholders can use it to purchase goods or enjoy services, and can also obtain certain loans from card issuers by using credit cards;

③ Credit cards are high-tech products that integrate financial services and computer technology;

④ Credit cards can reduce the use of cash currency;

⑤ Credit cards can provide settlement services, facilitate shopping and consumption, and enhance a sense of security;

⑥ Credit cards can simplify payment procedures, Save social labor;

⑦ Credit cards can promote product sales and stimulate social demand.