CITIC Bank cannot use credit cards beyond the limit.

1. For CITIC Bank credit cards, normal credit card transactions cannot exceed the available limit of your credit card. However, CITIC Bank provides some customers who use the card well with a small amount that exceeds the available limit. This is It changes according to the customer's card usage.

2. However, it is generally not recommended to exceed the limit. If the limit is exceeded, arrange to return the excess to CITIC Bank as soon as possible. If the credit card is used over the limit, no credit card over-limit fee will be charged. According to CITIC Bank customer service, CITIC Bank Any excess credit card usage will also enjoy an interest-free period.

3. If CITIC Bank does not take the initiative to apply for a temporary limit, it will not be able to use the credit card limit beyond the limit. However, banks provide customers with two ways to increase the temporary limit. One is that the customer actively applies through the customer service center, and the other is that the temporary limit is automatically increased before important holidays. Either way, customers will be notified via text message.

Extended information:

On December 8, 2003, CITIC Bank Credit Card Center officially issued CITIC Credit Card. As of the end of October 2006, the cumulative number of cards issued had reached nearly 2 million. It ranks at the forefront of the domestic banking industry, among which CITIC Platinum Credit Card ranks first in the country in terms of card issuance volume, and has initially established its position and brand image in the Chinese credit card market.

Notes

CITIC Bank Credit Card has always been aimed at serving the public, and has applied credit cards to better serve the public. Many people who have used credit cards know that credit cards are very convenient. Not only can it be used in domestic shopping malls and supermarkets, but it can even be used in some foreign consumption places. Credit cards have greatly facilitated the general public and allowed banks to gain more profits from them.

CITIC Bank credit card is one of them, but when using CITIC Bank credit card, you need to pay attention to several issues.

The first thing is to develop good consumption habits and avoid brushing off all the credit limit without restraint. The use of credit cards is because on some occasions, when the cash and bank cards on you cannot be used for normal payment, you can use the credit card. Be able to use credit cards. CITIC Bank credit cards have a certain limit. Generally, high-quality customers will have a higher limit.

Another thing to note is that when using a CITIC Bank credit card, you must repay on time. Repaying on time is a sign of a person's responsibility. If the cardholder cannot guarantee timely repayment, it is best to Don't use credit cards.

The CITIC Platinum Card will charge an annual fee after the regular card is upgraded to a Platinum Card, and it cannot be offset with points, and it will be deducted after the user confirms the upgrade, regardless of whether you open the card (Platinum Card). CITIC Bank Credit Card Center is a business department established by CITIC Bank Head Office in Shenzhen to conduct centralized operations, independent accounting, corporatization and professional management of credit card business.

CITIC Bank provides a number of financial services and can provide loans to all walks of life. Personal credit loans account for a large proportion of CITIC Bank’s loan business. In many cases, you can apply for installment payment for personal credit loans. , if the cardholder's current bill amount reaches more than 800 yuan, he or she can apply for interest-free installment payment.

However, the bank’s re-instalment payment requirements cannot be used for purchases that have been made in shopping malls and have been made after a single installment.

It should also be noted that holders of CITIC Bank credit cards can apply for interest-free installments within three working days from the current statement date to the repayment date.

If an individual wants to use the payment method after installment, he cannot change it again after determining the number and amount of installments. This requires attention. In addition, be sure to repay the loan on time to avoid more bad credit.

As one of the pioneers in the domestic credit card industry, CITIC Credit Card achieved remarkable results in 2006, with business indicators such as card issuance volume, transaction volume, and business income all reaching record highs.

In 2006, CITIC Credit Card won the title of "China's Ten Most Trustworthy Banks in 2006" at the third "World Financial Laboratory Annual Awards" sponsored by World Managers Weekly, World Financial Laboratory, and Wall Street Telecom. Big Bank Card” award.

In the "Observation and Evaluation of China's Credit Card Industry" sponsored by Hexun.com, CITIC Credit Card stood out from 14 participating banks, and based on its excellent performance in fees, card services, functions, and value-added, It ranked second overall in the 2006 China Credit Card Evaluation and won the excellence-level "2006 Best User Experience Award in the China Credit Card Evaluation".

With its unique product design and personalized service functions, CITIC Magic Gold Card was awarded the “Most Valuable Women’s Credit Card Product Award” by VISA International Organization and the “2005-2006 Economic Observer”. Third prize in the service industry of "Annual China Outstanding Marketing Award"; CITIC Platinum Card was selected into the 2006 "China's Top Brands List"; CITIC Bank Credit Card Customer Service Center won the title of "2006 China's Best Call Center" for its thoughtful and meticulous service?

< p>Providing customers with a safe, fashionable, caring and distinguished credit card is the unremitting pursuit of CITIC Credit Card. In addition to the basic functions of a general credit card, CITIC Credit Card also provides "24-hour global 800 toll-free customer service hotline", "24-hour mobile SMS notification service", "free accidental hospital admission medical insurance", "free global travel traffic accident insurance", etc. A number of domestically pioneered and functionally leading personalized services.

Faced with fierce market competition, CITIC Bank Credit Card Center will continue to adhere to the business philosophy of coordinated development of efficiency, quality and scale, uphold the belief of continuously improving product functions and service levels, and provide our customers with safer, more Fast, value-added credit card & repayment, and strive to build CITIC Credit Card into a first-class financial services brand.

Reference materials:

CITIC Bank Credit Card_Baidu Encyclopedia?