Passing the preliminary review of CITIC Bank's credit card means that you meet the bank's credit card application conditions. The bank will then review your credit report. If there are no problems with the credit report, the bank will issue you a card.

：Credit card repayment method:

1. Repayment method is through the card issuing bank. Including card issuing bank counters, ATMs, online banking, automatic transfers, telephone banking repayments, etc. This should be regarded as the most direct and fastest of all repayment methods. The money can usually be credited to the account on the same day, and there is no handling fee. This method is the best choice when the repayment time is tight.

Currently, most domestic banks support counters, ATMs, online banking, and automatic transfers. However, it should be pointed out that when transferring money through online banking, the cardholder needs to activate the online banking transfer function of the debit card; automatic transfer needs to meet the conditions of the "current account with the same name", that is, the debit card transferred out and the transferred in The credit card must be in the same bank's name. Relatively speaking, this type of agreed repayment is also the most convenient way. However, cardholders must pay attention to the current account balance used for repayment to avoid automatic repayment failure due to insufficient balance, resulting in unnecessary overdraft interest and late payment fees. The most convenient way is to directly link the salary card with a commonly used credit card . In addition, automatic repayment is usually divided into two types: "minimum repayment" and "full repayment". If you do not want to be charged interest by the bank and the account balance used for repayment is sufficient, it is best to set it to the full repayment mode. .

Telephone banking repayment is limited to some banks that have opened the telephone repayment function, such as China Merchants Bank and Industrial Bank, and requires cardholders to confirm in advance.

2. Repayment method: third-party payment repayment. At present, although the online banking of major banks has opened inter-bank transfer services, they basically charge handling fees and generally cannot be received in time. Using a third-party to pay for repayment can completely solve the problem of charging and timely payment. Compared with other repayment methods, third-party payment is the most convenient and cost-effective, and is the most preferable one.

3. Repayment method: inter-bank transfer. Inter-bank transfers or remittances are mainly divided into two types: inter-bank transfers in the same city and inter-bank transfers in different places. No matter which method is used, certain fees need to be paid. The fee standards refer to the remittance charges of each bank. In addition, the arrival time of this method is also relatively lagging, so cardholders should try not to use this method to repay unless they have to.

Extended information: Consequences of non-repayment on credit cards:

1. Interest payments will increase;

2. Will be sued by the bank;

< p>3. It affects your personal credit system in the People's Bank of China. The personal credit system is now very important to Chinese citizens and will affect your future loans, credit cards from other banks, etc.;

4. The bank will have dedicated people to collect the money.

Article 196: Whoever commits credit card fraud under any of the following circumstances and the amount is relatively large shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan. fine; if the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than 10 years, and a fine of not less than 50,000 yuan but not more than 500,000 yuan; if the amount is particularly huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than 10 years, and a fine of not less than 50,000 yuan but not more than 500,000 yuan; Imprisonment or life imprisonment, and a fine of not less than 50,000 yuan but not more than 500,000 yuan, or confiscation of property:

(1) Using a forged credit card;

(2) Using an invalid credit card Credit card;

(3) Pretending to use other people’s credit cards;

(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.