How to turn off the electronic virtual card of China CITIC Bank Credit Card

Method: After logging in to online banking, click "Business Security Settings" under the "Security Center" menu item (if you have not set privacy questions, You need to set the "private question first" function of "Internet Banking Pause and Re-Enable Settings". After answering the private question, select "Internet Banking Pause" to temporarily stop your CITIC Bank personal online banking.

Method: Bring your valid ID and any online banking account under the same ID to a CITIC Bank outlet to terminate online banking services.

Why did you suddenly have a virtual bank card?

Virtual bank cards naturally did not appear suddenly. It must have been when you were doing some business and applied for an electronic bank card. Card. You just didn't pay attention at the time. Alipay will launch a "credit payment" function, that is, a virtual credit card business: when users spend money on the Taobao platform, they can make overdraft payments without a physical credit card. The credit data behind it comes from the user's consumption data on the Taobao platform. . Virtual credit cards require us to apply before they can be used. The specific application method is: consumers must follow the CITIC Bank official account in Alipay's mobile client - Alipay Wallet. In the official account, they can complete online instant application and receive immediate approval. After being approved, CITIC Bank will issue one to the user. Users can use this to activate Alipay quick payment online and conduct various consumption such as online shopping and mobile payment. The issuer of this virtual credit card is CITIC Bank, and the counterpart behind it is the CITIC Bank Alipay Credit Card.

1. From a product perspective, it still follows Alipay’s previous method of “tying offline products through online channels”, packaging offline financial products and then productizing them online. Moreover, it can not only be consumed through Alipay. According to the news confirmed by PingWest, after receiving the application, users can still apply for a physical credit card at an offline CITIC Bank branch to achieve offline consumption. Therefore, Alibaba’s “virtual credit card” does not completely break away from traditional banks.

2. From the perspective of card issuance, applying for this card only requires Alipay users to operate in the "CITIC Bank" public account in the Alipay wallet mobile terminal, apply immediately, and be approved immediately. This eliminates the application steps of about a month, such as online submission of traditional credit card applications, on-site confirmation by an account manager, assessment of credit limit, and shipping. In addition, the credit limit of this card starts from 200 yuan, and the upper limit is determined based on personal network credit. At the same time, this model will also save the bank's own card issuance costs - under the traditional model, the single cost of a bank issuing a credit card is about 80 to 100 yuan. However, you can also find that the review and issuance model of this online credit card is very different from traditional credit cards. The existence of virtual credit cards may be able to reduce the issuance of real credit cards and save some resources in the future. The emergence of these virtual credit cards is still fundamentally about promoting consumption and improving our living standards.

What is the difference between CITIC Bank’s “online payment card” and a credit card?

CITIC Bank's online credit card can be used for shopping and consumption with passwords, passwords, etc., you can shop online first and then repay, share the same credit limit with the physical card, set transaction limits independently, etc., for online shopping experts It’s worth doing!

CITIC Bank Credit Card Application Conditions

Any natural person with full capacity for civil conduct can apply for a CITIC Credit Card personal card from the card issuer with his/her valid identity document and other documents required by the card issuer. Main card.

The primary cardholder of a personal card can apply for supplementary cards for other natural persons. The principal cardholder shall be jointly and severally liable for the debts incurred under the principal card and the supplementary card, and the supplementary cardholder shall be jointly and severally liable for the debts incurred under the principal card.

If you meet the above application conditions, you can apply for a CITIC Bank credit card.

Requirements for opening CITIC Bank’s “Online Payment Card”

The only condition is that you need to apply for a CITIC Bank UnionPay single currency credit card

What are the differences between CITIC Credit Card and Online Payment Card? What's the difference?

1. The carrier is different. The credit card is a physical card and is issued by a card.

The online payment card is a virtual credit card. After opening it, you will get a series of online payment cards, validity period, and CVV2, which you can use to make purchases

2. The application scenarios are different. The credit card is for face-to-face consumption. Unless you have opened online banking, you need to swipe POS, etc. for consumption. Online payment cards are mainly used for online payment, online shopping, etc.

3. The number of cards to be opened is different. You can only apply for one main card with a credit card, and 10 online payment cards can be opened at the same time. The total number of applications for opening in a calendar year shall not exceed 20.

4 , security is different. Credit cards mainly rely on themselves to keep card information, etc. Online payment cards can independently set payment limits and validity periods, freeze them in a timely manner, and control them more conveniently.

Why can’t the CITIC Bank virtual card receive payment?

It may be due to network delay.

CITIC Bank virtual cards generally experience delayed crediting. It is recommended to pay attention to the bill details and record whether they have been received within 2-3 working days.

CITIC Bank’s virtual credit card is also called a dual-currency credit card. Even if it can only be used for overdraft consumption, it can also handle cash withdrawals.

What is CITIC Bank virtual credit card (credit card)?

As long as you have a physical credit card (credit card), you can apply for a virtual credit card (credit card) from CITIC Bank. First log in to Bank of China online banking, find credit card (credit card) in the navigation bar and click "Virtual Bank Card Service" on the right to start applying for a virtual credit card (credit card). If you have several Bank of China credit cards (debit cards), you must first choose a physical card to apply for a virtual card for it.

What is China CITIC Bank electronic credit card (debit card)?

CITIC Electronic Credit Card (credit card) is a product of CITIC Bank. It does not have a physical card and can be used for online consumption by binding quick payment. Simply put, CITIC Electronic Credit Card (credit card) is a virtual credit card (credit card) launched by CITIC Bank. It can be paid online, but without a physical bank card, it cannot be paid offline with a credit card (credit card).

You can apply for CITIC Bank electronic credit card (credit card) online on CITIC Bank’s mobile client. However, CITIC Bank has only opened the application entrance for electronic credit card (credit card) to some users.

That’s it for the introduction of CITIC Bank’s virtual credit card.