CITIC Bank’s credit card issuance rate is basically at the top level, which shows that there are many people using it. Its review is relatively loose, but the limit is relatively low.

In terms of fees, there is an interest-free repayment period of up to 50 days, and you can choose to repay in full or according to the minimum repayment amount. No interest is required for full repayment during the interest-free repayment period (except for cash withdrawals). The overpayment in the card does not include deposit interest; the overdraft portion charges interest at a daily interest rate of 0.5%.

Netizen comments:

1. Do not withdraw cash with CITIC credit card. A cash withdrawal is 30 yuan.

2. Do not accept the service of upgrading to a gold card with CITIC Credit Card.

3. Do not accept insurance sales promotion services.

Four. It is really difficult for CITIC to raise the quota. (This is similar to Bank of Communications and Bank of China)

5. There are no free text messages for small amounts (the same applies to China Investment, Bank of Communications, and Construction).

6. The interest-free period is only 50 days (the investment period is only 48 days, except for Bank of China Titanium Ladies Card, Hua Xia Card, ICBC Card, Agricultural Bank of China Card, and Bank of Communications Card, which are all 50 days).