Hello, CITIC Bank’s “Xinjinbao” is a debit card business.

The subscription and redemption of money funds adopts a "fully automated financial management" model.

Subscription automation means that after customers apply for a CITIC Bank card (deposit card), they can set a minimum amount, which is the guaranteed amount, and the excess will be automatically converted into monetary funds.

Redemption automation means that when customers need to use funds, they no longer need to issue redemption instructions. They can directly withdraw cash or transfer funds through ATM machines, or directly swipe their cards for consumption.

This will be the first money fund in the industry that can withdraw cash directly from an ATM.

"Xinjinbao" is a convenient, efficient and low-cost personal unsecured and unsecured cash advance service within the credit card limit provided by China CITIC Bank Credit Card for customers with stable jobs and incomes, relying on the credit card platform.

This loan product has a maximum loan amount of 300,000 and a maximum waiting period of 3 years.