How to use CITIC Electronic Credit Card

CITIC Bank has launched an electronic credit card. This card has no actual card and is a virtual credit card. Generally, credit cards are used for consumption, and users can directly swipe the card. , but because CITIC Bank’s electronic credit card does not have a physical card, many users do not know how to use it.

The CITIC Bank electronic credit card is a credit card without a physical card launched by CITIC Bank. It is equivalent to a virtual credit card. To use the electronic credit card for consumption, users need to bind a quick payment method, and then Online consumption payment. CITIC IC Credit Card has two accounts: a main account and an electronic cash account. Usually the initial balance of an electronic cash account is 0 yuan, and the maximum balance is 1,000 yuan. The specific limit is determined based on the credit status of the credit card holder. The maximum single offline consumption limit of the cardholder is 200 yuan. Please pay attention to the electronic cash account. The balance cannot be overdrafted, transferred, or withdrawn.

How to apply for CITIC Electronic Credit Card

CITIC Bank Electronic Credit Card is currently only open to some customers. To apply for CITIC Bank CITIC Electronic IC Credit Card, applicants need to meet the conditions and users must hold You can only apply if you have a valid credit card from CITIC Bank. Users in need can apply through the CITIC Bank mobile APP.

Application process: 1. Download the CITIC Bank mobile APP, open the software and register and log in; 2. Find "CITIC Bank Electronic Credit Card" on the CITIC Bank mobile phone and click to apply; 3. Enter the application page, and the applicant needs Fill in the relevant application information according to the prompts; 4. After completing the filling, submit the application, which will be reviewed by CITIC Bank. The review results will be notified to the user through mobile phone text messages. According to some applicants, CITIC Bank will approve the application within seconds after submission; 5. Review After approval, the bank will issue the card in real time.

Users who obtain a CITIC Bank electronic credit card need to bind a third-party quick payment, and then they can use the card for consumption.

Where to spend the coupons given after using CITIC Credit Card

Use of CITIC Credit Card payment preferential rights

Click on the official website of CITIC Bank Credit Card to go to the official website of CITIC Bank Credit Card for shopping. Select the product on the official website of CITIC Bank Credit Card, add it to the shopping cart, click to go to checkout, fill in the consignee information, select the payment method and finally save the above information.

Select the use coupon option on the checkout page, and fill in the CITIC Bank credit card coupon code obtained for free from the coupon website in the prompt box. After submitting the coupon code, check to see if you get the relevant discount. If you get relevant discounts, submit the order to complete the transaction.

Can CITIC Xinjin Card be swiped? How to swipe CITIC Xinjin Card

Friends who have paid attention to CITIC Xinjin Card all know that CITIC Xinjin Card is the carrier of Xinjinbao. After successfully applying for a Xinjinbao card, you can apply for Xinjinbao cash installment business. So, as a credit card, can the credit card be swiped? What should you pay attention to when swiping your card? Let me introduce it to you below.

Xinjin Card is a credit card provided by China CITIC Bank Credit Card Center with large-amount cash installment function. After successfully applying for the card, you will receive a credit card from the bank. At the same time, the cardholder can also apply for "Xinjinbao" Cash installment, the borrowed cash is directly transferred to the savings card in your name.

Can I pay by credit card?

As we all know, a credit card is a type of debit card. Its function is to withdraw cash from ATM machines and swipe card purchases at POS. It can also shop online. However, you must understand clearly before swiping the card. What kind of organization is the credit card? Because the card can only be swiped at the POS machine with the corresponding logo.

Xinjin Card is a UnionPay credit card. As long as it has the UnionPay logo and the merchant has a POS machine (card swiping device), it can be used. This eliminates the trouble of bringing cash and can also swipe the card. When you accumulate credit card points, you can also get 9 points if your card consumption reaches the standard.

How to swipe the card?

There are many ways to swipe the Xinjin Card. Cardholders can use it to shop offline or online. The details are as follows:

1. Online shopping: For those who like to shop online For friends, you only need to select the goods you want to buy on Taobao, JD.com and other shopping malls, select the payment method as credit card when paying, enter the credit card, security code, and mobile phone verification code, and then you can swipe the card for consumption.

2. Offline shopping: If you want to swipe your credit card in an offline store, you can directly show your credit card when swiping your card, or bind your credit card on Alipay or WeChat, and then give your phone to the clerk Just scan the payment code.

The final reminder is that when using credit cards to make purchases, you must pay attention to card security. When shopping online, you must understand the online merchants you are dealing with and choose a safe website for payment. , and do not disclose your credit card, expiry date, password and other information to others to avoid having your credit card stolen.

How to use a CITIC Bank credit card and how to apply

How to use a CITIC Bank credit card

As a well-known commercial bank now, CITIC Bank’s credit card business is also developing Better yet, CITIC Bank has a wide variety of credit card types and card options, and users can apply for them based on their preferences and actual uses. Users can activate it after applying for a CITIC Bank credit card.

CITIC Bank's credit cards can be activated through the counter, online banking and customer service hotline. After activation, you can use CITIC Bank's credit cards for card payment, online payment and other operations. Each credit card has its own unique features. Therefore, when using CITIC Bank’s credit cards, users should also make good use of the features of each card to make their credit cards worth their money.

Different credit cards have different activities and benefits. Therefore, after applying for a CITIC Bank credit card, users need to understand the corresponding benefits of their credit card. For example, some co-branded cards have corresponding shopping discounts. , some car owners’ cards have corresponding gas discounts, etc., and then make good use of their corresponding rights and interests to get the maximum discount for yourself.

Different types of CITIC Bank’s credit cards also have different annual fee collection rules and annual fee exemption policies, so users must understand them clearly to avoid paying unnecessary annual fees. For example, some card types can waive the annual fee for the following year if you make 6 purchases per year. In addition, users also need to pay more attention to the corresponding activities launched by CITIC Bank to maximize their credit card benefits.

How to apply for a CITIC Bank credit card

CITIC Bank’s credit card can be processed through online application and offline application. Users only need to submit the information as required, and CITIC Bank will The user's credit card application will be reviewed. After the review is passed, the applicant will be notified by phone. The user only needs to wait for the CITIC Bank card to be mailed.

Online application

Users directly search for CITIC Bank Credit Card Center in their computer browser, then click to enter. After entering, they find the credit card application page and select the card they want to apply for. After selecting and checking the card, click Apply Now, and then submit the application after submitting the corresponding personal information and system-required information as required.

Offline application

Users can go to a CITIC Bank branch with their valid ID card, and then indicate their business needs to the lobby staff, and the staff will give the user the corresponding application. After users fill out the application form as required, they can take their number and submit their information to the counter staff, who will assist the user in applying.

How to use CITIC Electronics Credit Card? Pay attention to these matters

After many card friends apply for CITIC’s new express cash, the bank will open an electronic credit card and you can check the credit limit on the card. Because there is no physical card, many friends are wondering. How can I get the money out of it? Below, we will briefly introduce it.

How to use CITIC Electronics Credit Card?

CITIC Electronic Credit Card, which does not have a physical card, is also a virtual credit card, but it is different from the virtual credit card we use. With ordinary virtual credit cards, we can use mobile payment tools to make purchases online or pay offline, but CITIC Electronic Credit Cards cannot do this.

Because CITIC Electronic Credit Card is actually the carrier of exclusive installment business such as CITIC New Express, but it cannot be used for daily consumption. It can only receive the money we repay CITIC New Express, so there is no way to do it. The money inside was swiped out. If you want to use the credit limit on your card, the only way is to apply for a new cash payment.

However, even if you have a credit limit on your CITIC Electronics credit card, your application for new express cash may not be approved.

Because the bank will re-evaluate the current credit conditions of the cardholder every time Xinkuai Cash borrows money, if the comprehensive score is insufficient, it may be rejected. There are many reasons, such as Xin Kuai Cash or The credit card is overdue, the cardholder's debt ratio exceeds 50%, the total credit limit of the credit card is too high, the repayment ability is insufficient, etc.

For this reason, it is recommended that before you apply for a new cash flow, it is best to check your credit report, understand your credit, liabilities, etc., and then find ways to solve the shortcomings, so It can improve the pass rate of new express. I would like to remind you that after using Xinkuai, it may be blacklisted by the bank, which will affect the credit card limit increase. Everyone should handle it with caution.

This ends the introduction on how to spend with CITIC Credit Card and how to get points by spending with CITIC Credit Card. I wonder if you found the information you need?