Many platinum cards have an annual fee, many of which are around 2000, so yours should be an annual fee. To apply for a platinum card, you must first understand the annual fee reduction. Generally speaking, the annual fee of platinum card with good rights and interests is rigid, that is, it is possible for entry-level cards without reduction or exemption.
China CITIC Co., Ltd. is a large-scale comprehensive multinational enterprise group that pays equal attention to finance and industry. Its business involves banking, securities, trust, insurance, funds, asset management and other financial fields as well as real estate, engineering contracting, resources and energy, infrastructure, machinery manufacturing, information industry and other industrial fields.
20 17 On August 4th, CITIC announced that the company and Carlyle planned to acquire McDonald's China at the highest price of 16 1.4 1 100 million Hong Kong dollars. All preconditions have been met, the acquisition has been approved by the regulatory authorities, and the delivery was completed on July 3rd.
China CITIC Co., Ltd. (hereinafter referred to as "CITIC Shares") was established on February 201kloc-0/65438. It is jointly established by China CITIC Group Co., Ltd. (hereinafter referred to as "CITIC Group") and its wholly-owned subsidiary, Beijing CITIC Enterprise Management Company, with the registered capital of RMB 128 billion yuan and the legal representative of Chang.
CITIC is a large-scale comprehensive multinational enterprise group that pays equal attention to finance and industry. Its business involves banking, securities, trust, insurance, funds, asset management and other financial fields, as well as real estate, engineering contracting, resources and energy, infrastructure, machinery manufacturing, information industry and other industrial fields. Strong comprehensive advantages and good development momentum.
Citic Group, a shareholder of CITIC, was founded by Mr. Rong Yiren in 1979 with the advocacy and support of Mr. Deng Xiaoping. Since its establishment, CITIC Group has given full play to the important role of economic reform pilot and opening window. We have carried out fruitful exploration and innovation in many fields. By absorbing and utilizing foreign capital and introducing advanced technology, equipment and management experience, we have successfully opened up an innovative development path serving China's reform, opening up and modernization, established a good reputation and image at home and abroad, and achieved remarkable business results. By the end of 20 10, CITIC Group's total assets were 2539 1 000 million yuan, and its net assets were172.5 billion yuan. The annual operating income was 263.9 billion yuan and its net profit was 33.4 billion yuan. Since 2009, it has been selected in Fortune magazine's "Fortune 500 Companies" list for three consecutive years, with 20 1 ranking 22 1. 20 16 ranking 156, 20 19 ranking of fortune China 500 18.
20211the legal guarantee of China citic bank co., ltd is to be commended by the national law popularization office as the national advanced unit of law popularization in 20 16-2020.
If CITIC Credit Card is not activated, the annual fee is 2000 yuan. What's going on here?
The annual credit card fee of CITIC Bank is 2000 yuan, which refers to the credit card usage fee, that is, the service fee charged by the bank for providing credit card services to cardholders. Most credit cards enjoy a certain annual fee-free policy, and you can get an annual fee-free discount by swiping your card. A small number of credit card annual fees are rigid annual fees and must be paid. Credit cards with non-rigid annual fees are not activated and there is no charge. However, CITIC Unlimited Credit Card, Air China World Credit Card, Platinum Credit Card, Magic Titanium Card and annual fee products are not covered, and annual fees will be charged if they are not activated in time.
The annual fee of 2000 yuan for the credit card of CITIC Bank refers to the usage fee of the credit card.
The annual fee of CITIC Credit Card is 2000 yuan, which refers to the one-year service fee charged by CITIC Bank to cardholders. At the same time, it also refers to the use fee of credit cards, that is, the service fee charged by banks for providing credit card services to cardholders. According to the standard of CITIC Bank, the credit card with non-rigid annual fee will not be charged if it is not activated.
CITIC Platinum Card will charge an annual fee after upgrading from Puka to Platinum Card, which cannot be offset by points. It will be deducted after the user explicitly upgrades, 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 operation, 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 in the loan business of CITIC Bank. In many cases, individual credit loans can apply for installment payment. Cardholders can apply for interest-free installment payment if the current bill amount reaches 800 yuan or above.
In addition, it should be noted that the cardholder of CITIC Bank's credit card can only apply for interest-free installment payment within three working days after the current bill date and before the repayment date. If an individual wants to pay by installments, he can't change it after determining the number and amount of installments. This needs attention. In addition, we must repay in time to avoid more bad credit.
Why does Industrial Bank charge an annual fee of 2000 yuan for its credit card?
If it is not used this year, the annual fee will be deducted. Credit card or cash withdrawal 5 times within one year, and the annual fee for the following year is exempted.
Annual free policy:
1. Corporate bank credit cards (gold cards and ordinary cards) are directly exempt from annual fees in the first year. Swipe your card or withdraw cash five times a year, no matter how much it is, you can waive the annual fee for the next year. In particular, corporate bank credit cards are free of annual fees for specific accounts. The main card and the payment card belong to the same account, and you can swipe your card or withdraw money five times in one year. Both the main card and the payment card are exempt from the annual fee for the following year.
2. Industrial Bank Platinum Credit Card cannot be exempted from annual fee. Xingye Platinum Card Series can be exchanged for 450,000 points for one-year annual fee, and Xingye Standard Platinum Card can be exchanged for 1.3 million points for one-year annual fee.
3. Industrial Bank credit card annual fee standard universal card: main card-RMB card: 80 yuan/card (set) main card-dual card: 100 yuan/card (set); Gold card: main card-RMB card/dual card: 200 yuan/card (set); Platinum Credit Card (Elite Edition)/Titanium Credit Card: primary card/secondary card: 500 yuan/piece; Platinum Credit Card (Elite Edition): main card: 600 yuan/Card (no secondary card); Platinum card (excellent series): main card: 900 yuan/card, auxiliary card: 600 yuan/card; Platinum Credit Card (Standard Edition): the main card: 2600 yuan/card, and the auxiliary card: 1200 yuan/card.
1. Xingye has set up 108 branches and 1435 branches in major cities across the country; Its subsidiaries include Industrial International Trust, Industrial Financial Leasing, Industrial Fund, Industrial Consumer Finance, Industrial Wealth and Industrial Guo Xin Asset Management. , with banks as the main body, covering trust, leasing, funds, securities, consumer finance, futures and asset management.
2. As the first "Equatorial Bank" in China, Industrial Bank has always adhered to the "scientific and sustainable" development concept, operated in accordance with the law, was steady and civilized, took into account the interests of shareholders, customers, banks, employees and the social environment, and actively practiced corporate social responsibility. It has been widely recognized and praised by all walks of life at home and abroad.
3. In recent years, it has successively won the honors of the best joint-stock commercial bank, the most innovative bank, the most valuable listed company, the best shareholder return bank in Asia, the best bank profit in Asia, the best corporate citizen in China, the most socially responsible listed company, the best green bank, the winner of the Asian Sustainable Bank Award, the national advanced group for emission reduction, and the "carbon society citizen" of the World Environmental Protection Conference.
Do you think the credit card limit of 6000 and the annual fee of 2000 are reasonable?
How can there be an annual fee of 2000 yuan? I'm just kidding you! CITIC Platinum Card started at 200 million yuan. How is it possible that the quota is only 6,000 yuan? Stop. Do not use it.
Do you think the credit card limit of 6000 and the annual fee of 2000 are reasonable?
Then this is unnecessary.
Under normal circumstances, the credit cards that need to charge a high annual fee are all platinum credit cards of banks, and platinum credit cards are characterized by many discounts and large quotas.
Many banks have a starting point of 50,000 platinum cards.
So you say that you have a platinum credit card from the Bank of Zhang Zhongxin with a limit of 6,000 pounds, so that's too much.
I suggest you adjust the quota and then increase it.
In fact, why is this?
You can try to see what your total amount is, including flowers, credit cards from other banks and so on.
If there are too many quotas in other places, there will be restrictions when handling new cards.
The main restrictions are whether the card can be issued and the amount after it is issued.
I was upgraded under the telephone guidance of the staff. I want to upgrade my platinum card, but the quota will increase. As a result, I didn't mention it, and I also lost two thousand. If I used to have 8000 places, then this possibility is even greater.
The second is that you have the behavior of cashing out.
See what the situation is, and then modify it.
Oh, that's not necessary, is it? There are two credit cards that are free of annual fees.
Absolutely unreasonable.
Credit cards are usually divided into ordinary cards, gold cards, small platinum cards and large platinum cards. Under normal circumstances, ordinary cards, gold cards and small platinum cards are exempt from the annual fee or the number of swipes is deducted from the annual fee. However, there is an annual fee for the big platinum credit card.
Of course, it doesn't mean that the annual fee for credit cards is a pit. The higher the annual credit card fee, the more benefits. Usually, if many cardholders choose a credit card with an annual fee of 2000 yuan when using a credit card, they can play back an annual fee of 2000 yuan.
If you really don't need credit card rights and pay the annual fee to the bank for nothing, you'd better cancel your credit card because it's really unnecessary. If the cardholder has more money, he can keep it.
Usually, when we apply for a credit card, don't do it casually. First of all, we should know whether the rights and interests of the card are suitable for us, how to charge the annual fee of the credit card, whether it is free of annual fee or whether the annual fee is deducted from the number of swipes or rigid annual fee. It doesn't mean that we can apply at will if we think the card looks good or the card level is high.
Of course, the credit card limit of 6000 and the annual fee of 2000 are unreasonable. If the annual fee can't offset the consumption times, the card will be returned decisively.
Platinum credit card with an annual fee of 2000 yuan, less than 50 thousand yuan is completely useless. The annual fee of platinum credit cards in most banks is high, which cannot be offset by the number of consumption. However, the benefits of platinum credit cards are still very rich, but whether these welfare cardholders can use them at ordinary times. If the rights and interests are not often used, the annual fee of 2000 is not worthwhile. For example, these services: golf, tennis, high-end fitness, badminton, swimming, skating, skiing, network fitness, airport VIP lounge, high-speed rail VIP lounge, automobile road rescue service, hospital appointment registration and escort, aviation accident insurance, flight delay insurance and so on.
People who often use these rights and interests will not care about the annual fee of 2000 yuan. The question is how the bank gives 6000 yuan to people who often use these rights and interests.
I am a person, I hope my answer is helpful to you, thank you!
Haha, I can answer that. I have four credit cards from different banks, and the credit card limit of each bank is similar, about 10 thousand. There is a picture and the truth. Every bank swipes a certain number of credit cards (no more than 10, unlimited amount, including online transactions) free of annual fee.
Do you think your annual fee of 2000 is reasonable? [Cover your face]
And a friendly reminder: don't get a credit card just to be handsome, really.
Off-topic: When I was a child, when I watched TV, the master on it always swiped his card. I feel very handsome. Now think about it, that's it.
Having a credit card always gives some people the illusion that they are not short of money.
I have used credit cards for several years, and now it seems that credit cards can only help the poor, but not the poor. For example, in the recent epidemic, I can use my credit card to solve my urgent need, but I still have to pay it back. )
Besides, I've never participated in points exchange or anything. (the main reason is that it is too much trouble and the account is big. )
I have never used a credit card. I don't know. Personal advice. No. It will form the habit of overdraft in advance, which is not conducive to wealth accumulation.
It is recommended not to touch credit cards.
It must be unreasonable. The proportion is higher, but many banks have a policy of free annual fee for credit cards. It's okay to have this. If not, cancel it quickly.
What does the annual credit card fee of CITIC Bank mean?
The annual credit card fee of CITIC Bank is 2000 yuan, which refers to the credit card usage fee, that is, the service fee charged by the bank for providing credit card services to cardholders.
Most credit cards enjoy a certain annual fee-free policy, and you can get an annual fee-free discount by swiping your card. A small number of credit card annual fees are rigid annual fees and must be paid.
Credit cards with non-rigid annual fees are not activated and there is no charge. However, CITIC Unlimited Credit Card, Air China World Credit Card, Platinum Credit Card, Magic Titanium Card and annual fee products are not covered, and annual fees will be charged if they are not activated in time.
On June 8, 2003, CITIC Bank Credit Card Center officially issued CITIC Credit Card. By the end of June, 2006, the cumulative number of credit cards issued was nearly 2 million, ranking first in the domestic banking industry, among which CITIC Platinum Credit Card ranked first in the country, initially establishing its position and brand image in the credit card market in China.
Precautions:
CITIC Bank's credit card has always been aimed at serving the public and will serve the public better in the future. Many people who have used credit cards know that credit cards are very convenient, not only in domestic supermarkets, but also in some foreign consumer places. Credit cards have greatly facilitated the general public and enabled banks to make more profits from them.
CITIC Bank credit card is one of them, but there are several problems to pay attention to when using CITIC Bank credit card.
First of all, we should develop good consumption habits and not brush off all credit lines without restraint. Credit cards are used because on some occasions, when cash and bank cards cannot be paid normally, CITIC Bank's credit cards have a certain amount, and the amount of ordinary quality customers will be higher accordingly.
In addition, it should be noted that the credit card of CITIC Bank must be repaid on time. Paying back on time is the embodiment of a person's sense of responsibility. If the cardholder can't guarantee timely repayment, it is best not to use a credit card.
CITIC Platinum Card will charge an annual fee after upgrading from Puka to Platinum Card, which cannot be offset by points. It will be deducted after the user explicitly upgrades, 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 operation, 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 in the loan business of CITIC Bank. In many cases, individual credit loans can apply for installment payment. Cardholders can apply for interest-free installment payment if the current bill amount reaches 800 yuan or above.
However, consumers who have spent money in shopping malls and made a single installment cannot use the bank's request for re-installment payment.
In addition, it should be noted that the cardholder of CITIC Bank's credit card can only apply for interest-free installment payment within three working days after the current bill date and before the repayment date.
If an individual wants to pay by installments, he can't change it after determining the number and amount of installments. This needs attention. In addition, we must repay in time to avoid more bad credit.
The introduction of why the annual credit card fee is 2000 and why the annual credit card fee is 160 ends here. I wonder if you have found the information you need?