Which cards from CITIC Bank are the best?
Which credit cards should I apply for when choosing CITIC Bank? Based on feedback from netizens, we concluded that China CITIC Bank’s three credit cards that are most likely to be approved are: i Platinum Credit Card, Baitiao Co-branded Card, and VisaSignature Credit Card (All-Coin Pass).
i Platinum Card Credit Card
This card is a credit card mainly promoted by CITIC. It is an entry-level platinum card. The limit usually starts at 10,000 yuan. It can be issued in 1-5 days after applying online. result.
Many people have applied for CITIC credit cards before, but their applications were rejected many times. Finally, they were approved when they applied for i Platinum, because the credit cards promoted by banks are the best. iPlatinum’s discounts are also relatively strong, such as points for online transactions, 1,000 yuan compensation for air delays, 9 points redemption, 9 yuan for movie watching, etc.
Baidiao Co-branded Card
This card is jointly launched by China CITIC Bank and JD.com Baitiao. As long as you have a good shopping record on JD.com, you can apply directly, and the approval rate is very high. The most affordable part is that if you spend 800 yuan in point transactions in the month, you can get 1 steel_, and 1 steel_ can be used as 1 yuan on JD.com. Another very attractive feature of this card before is that it can be used to directly repay Jingdong Baitiao, which is equivalent to enjoying an interest-free period of up to 80 days.
VisaSignature Credit Card (All Money Pass)
This credit card can only be used overseas or spent on overseas shopping websites. The annual fee is unconditionally waived, and you can enjoy a 1.5% currency exchange fee exemption for overseas consumption, and you can also enjoy a 6% monthly cash rebate of up to US$100. It is very suitable for customers studying abroad and traveling abroad.
If you are not a cardholder with very good conditions and your application for a CITIC Bank credit card has been rejected many times, it is recommended that you apply for one of the three credit cards above first, and then apply for other card types after being approved. Basically, it is approved in seconds. Of course, the credit card level is limited to gold card. The approval difficulty of standard platinum credit card is still relatively high.
Is it easy to apply for a CITIC Bank credit card (debit card)?
Whether it is easy to apply for a CITIC Bank credit card (debit card) depends on the credit qualifications of the person applying for the card. As long as the application conditions are met and the credit card applicant has good credit qualifications, the approval rate for applying for a credit card (debit card) from China CITIC Bank will be relatively high. If you do not meet the application requirements or have poor credit qualifications, you may not be approved for a credit card (debit card).
If you want to improve your approval rate, you can choose to apply for a credit card (debit card) at a bank counter, because offline application helps users submit more proof of financial resources.
Is it easy to apply for a CITIC Bank credit card?
Among the major banks, CITIC Bank credit card is relatively easy to apply for. Users only need to submit relevant information to apply.
The approval rate of CITIC Credit Card is stable throughout the year, and most of the applicants can be applied for. Among the various businesses nowadays, credit cards are mentioned more often. Credit card holders can enjoy certain rights as long as they successfully apply.
The applicant has good personal credit, has full capacity for civil conduct, and at the same time has the ability to repay loans on time. However, cardholders need to note that the application conditions for CITIC Bank credit cards are that applicants must be between 18 and 60 years old. As long as you can apply for the main card, you can also apply for the supplementary card. However, it should be noted that the supplementary cardholder is jointly and severally liable for the debts incurred under the main card.
What are the uses of bank cards:
1. Debit card: The main functions of debit card include inquiry, consumption, deposit, withdrawal, transfer, collection and payment, foreign exchange trading, Investment and financial management, online payment, etc. Debit IC cards generally also have electronic cash payment functions and information storage functions such as small-amount offline consumption, recharge, transfer withdrawals, and inquiries. Debit accounts can be paid with passwords and debited in real time. Payment transactions in electronic cash accounts do not require the use of passwords.
2. Credit card: Basic functions of credit card: consumption, transfer, cash withdrawal, online payment, etc. You can enjoy interest-free repayment for up to 56 days while enjoying consumption first and repay later. In addition, credit cards also have other functions, such as providing installment payment, insurance protection and other credit card-specific financial products.
But a simple understanding is that debit cards are mainly used for us to save money and transfer money. If we transfer money to the debit card, if no other business is handled, it is equivalent to the survival period and can generate interest. And we can also conduct investment and financial management and purchase financial management products. In addition, when we transfer, shop or send red envelopes online, we also need to bind a bank card.
What are the values ??of CITIC Bank:
The core value of Bank of China is "pursuing excellence". "Pursuing excellence" means that the bank adheres to the standards of world-class banks as benchmarks in its operation and management practices, and continuously improves, advances and surpasses them. The pursuit of excellence does not refer to a specific goal or achievement, but a spirit, a process, and a state of pursuing excellence. The Bank of China has determined that "pursuing excellence" is the core value of the Bank, which is reflected in the five aspects of "integrity, performance, responsibility, innovation, and harmony", and vigorously creates a working atmosphere of honesty and trustworthiness, due diligence, reform and innovation, and people-oriented. The same values ??and behavioral norms unite the wisdom and strength of all employees and provide lasting spiritual power for the reform and development of Bank of China.
Which credit card application is easier to apply for?
1. Industrial Bank: The threshold for applying for a card at Industrial Bank is relatively low. Applying on Alipay makes it easier to apply for a card, but generally you need a sesame score of 620 or above to apply. As for card selection, I would like to introduce you to apply for Industrial Bank pass credit card and Industrial Taobao credit card. Generally, the review results will be available as soon as 5 minutes after submitting the application. In the case of good credit, the review pass rate is said to be over 90%.
2. Everbright Bank: For Alipay users with a Sesame score of 620 or above, it is easier to apply for an Everbright credit card on Alipay. Many cardholders reported that they can be approved in seconds. Of course, you still need to choose the right card type in advance. . It is recommended that you apply for the Everbright Duck-themed credit card. This credit card is said to be the easiest card to be approved in seconds by China Everbright Bank. However, it should be noted that online Shen Everbright Bank requires an interview before the card can be issued.
3. Minsheng Bank: Minsheng Bank has cooperated with Alipay to apply for cards very early. Generally, if there is no problem with the credit report, the Sesame score of 600 or more can be approved in seconds, especially now that it is approaching It’s the end of the year, and the card approval rate remains high. In terms of card selection, female friends can apply for the Minsheng Women's Flower Credit Card, and car owners can apply for the Minsheng Car Credit Card. In addition, Minsheng Baidu Takeout Co-branded Credit Card, Minsheng.com Tesco Installment Credit Card, etc. are also relatively easy to purchase.
4. GF Zhenqing Credit Card: GF Zhenqing Credit Card is a women’s card launched by China Guangfa Bank. It has outstanding advantages in shopping, women’s insurance, etc.! At the same time, you can choose one of the four major merchant types including department stores, restaurants, tourism, and entertainment to enjoy three times the points for swiping your card. However, it is important to note that once this is selected, it cannot be changed.
Which credit card is the best to apply for? All the credit cards to apply for are here
Credit card application is a big subject. Some people will definitely pass the application, while some people "fail repeatedly". What is the reason for this? There are tens of millions of credit cards, and it is important to choose a card that suits you. So which credit card is the best to apply for? Friends who don’t want to be rejected can try these cards.
There is no absolute answer as to which credit card is best to apply for. Each applicant’s application conditions are different, and the card that is suitable for application will be determined differently. But in general, the general card has the lowest threshold and is relatively easy to apply for. It is also easy to apply for the bank's main card in the season. If the application conditions are not very good, you can choose cards from these two aspects. Next, I will introduce to you some of the best credit cards to apply for. I hope it will be helpful to card friends.
It is best to apply for the China Merchants Bank Young Card
A credit card suitable for young people under 30 years old. As long as you meet the age requirements, even if you have just entered the society and have an unstable job , the salary is not high, and you can apply successfully. As long as a copy of the applicant's undergraduate degree or above is submitted when applying, the user can quickly get the credit card.
It is best to apply for the CITIC Bank Taobao Card
As a Taobao card, if it can be bound to the Taobao account of the card applicant, it can greatly improve CITIC Bank’s ability to review the credit of the card applicant. Time efficiency, your Taobao account related data can also better prove your spending power. If you want a higher credit limit, you need to submit additional financial proof, such as bank deposit slips, real estate certificates, vehicle driving licenses, etc.
In addition, CITIC Bank's online application for card approval is very timely and is generally accepted within 24 hours.
It is best to apply for the CITIC Bank Magic Card
A credit card product issued for married women. This card not only provides women's health insurance and "parent-child exclusive" insurance, Cardholders can also enjoy 3 times the points rebate on their own and their children’s birthdays. In addition, in the credit card industry, women are the most valued group, and the number of female credit cards issued is often the most important performance indicator of each bank. Therefore, it is easy for a married woman with good credit to apply for the CITIC Magic Credit Card.
It is best to apply for the GF True Love Card
As a female-only card, female card friends can almost say that there is no obstacle when applying for the GF True Love Card, as long as the card friends can provide Proof of stable income and personal information, then this card won’t turn you away.
It is best to apply for the Industrial Bank Mango Card
Summary: Which credit card is best to apply for? From the above introduced cards, it is not difficult to draw a conclusion: theme cards of each bank , generally as long as the main focus of the card is met, the application is easy to pass. Whether it is a student card, a female card, a travel card, or a Taobao card, it is not difficult to successfully apply for a card if you find your own consumption advantages.
Which bank’s credit card is easy to pass?
The bank’s credit card is easy to pass, the details are as follows:
1. China Merchants Bank Young Card, which is targeted at China Merchants Bank for those under 30 years old. A credit card launched by young people. As long as the age meets the requirements, even interns who have just entered the society can successfully apply. The credit limit is between 10,000 and 50,000, and they can enjoy 100% of the cash withdrawal limit. If the applicant can provide a diploma of undergraduate or above, it can usually be approved quickly;
2. CITIC Bank Standard Credit Card. CITIC Bank Standard Credit Card is a UnionPay standard credit card launched by CITIC Bank. Generally As long as the applicant is over 18 years old, has a stable job and income, and has no bad personal credit record, he or she can apply. According to feedback from cardholders, the withdrawal rate for card changes is very high;
3. Pudong Development Bank Beautiful Woman Card is a credit card launched by Shanghai Pudong Development Bank for women with shopping discounts. This card is only for women to apply for. It offers 1% cash back on global purchases. For women who like shopping, The Beautiful Woman Card is a good choice and can save a lot of shopping costs.
Generally, credit cards issued by the four major state-owned banks are subject to strict review and are relatively difficult to pass, while credit cards from other commercial banks are easier to pass. In addition, credit cards from rural commercial banks and local banks are also Easy to pass.
Article 196 of the "Criminal Law of the People's Republic of China"
Credit card crimes include one of the following circumstances: if the amount is relatively large and credit card activities are carried out, a fine of five or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; if the amount is huge or there are other serious circumstances, the sentence shall be not less than five years but not more than 10 years, and also a fine of not less than 50,000 yuan but not more than 500,000 yuan; for special amounts If the amount is huge or there are other particularly serious circumstances, he or she shall be sentenced to not less than ten years or more, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or have property confiscated:
(1) Using a forged credit card, or using a false credit card (2) Using an expired credit card; (3) Pretending to use another person’s credit card;
(4) ) Malicious overdraft.
The term "malicious overdraft" as mentioned in the preceding paragraph refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and failing to return the card after being called upon by the card-issuing bank.
Anyone who commits a crime and uses a credit card shall be convicted and punished in accordance with the provisions of Article 264 of this Law.
That’s it for the introduction of which credit cards are easy to apply for at CITIC Bank.