When you receive the application verification code of CITIC Credit Card, but you haven't applied for it on your own initiative, there may be the following situations:

First, someone else may have made a mistake when applying for a credit card, and unfortunately sent you the verification code. In this case, you don't need to panic, just confirm whether you know the relevant personnel or whether any relatives and friends have applied for credit cards recently.

Secondly, it may be that your personal information was leaked, which led to the use of criminals. At this time, I suggest you contact CITIC Credit Card Customer Service as soon as possible at 4-889-5558 to verify the situation and take corresponding measures to protect personal information.

Another possibility is that you have received a scam message, which may contain a scam link. Be sure not to click on any unknown link to avoid falling into the fraud trap.

For the credit card application of CITIC Bank, if you already have a credit card from another bank and use it well, you can consider simplifying the process by "handling the card with a card". However, it should be noted that other banks' credit cards should have no record of being overdue for more than 3 days in the past 6 months, and the average credit line should be at least 5, yuan. If there are more than 3 sheets and the usage rate is high, it may affect the application.

For customers who apply for CITIC Credit Card for the first time, the necessary materials include a copy of ID card (or military officer's card, Hong Kong and Macao pass, etc.) and proof of work (such as salary certificate or business card, etc.). Auxiliary materials can help improve the approval rate and credit limit, and may need to provide a copy of residence certificate or passport.

In short, in the face of this unexpected situation, keeping calm and communicating with the bank in time is the key to solving the problem. At the same time, protecting the security of personal information and guarding against fraud are links that cannot be ignored in modern life.