CITIC Bank currently has the following credit cards:
CITIC Platinum Credit Card
Citic Magic Platinum Card
Citic Star Gold Card
Citic Star Ordinary Card
CITIC American Express Credit Card
CITIC Magic Credit Card (female customers only)
"Air China Companion" CITIC Credit Card
CITIC Tiannv Credit Card
Citic 2006 FIFA
World Cup MasterCard
CITIC I Card (College Student Credit Card)
CITIC southern fund Joint Credit Card
CITIC Coca-Cola Co-branded Credit Card
Citic McCawlin Co-branded Credit Card
CITIC Wonderful Hong Kong Travel Credit Card
UnionPay can be used for installment consumption (within the quota, but now it is not beyond the quota), but you have to go to the hypermarket that provides installment business.
So now
1. The name of the credit card has explained its theme nature. Please choose one for your own use.
2. Do you want a gold card or a general card according to your economic ability.
Gold card and Puka will handle it for you according to your financial certificate. The amount of gold card is higher than that of Puka, and the amount is different.
How about CITIC Credit Card?
CITIC Credit Card is still quite good in commercial bank credit cards, and it is also very good to take off the card. Moreover, there are many kinds of CITIC credit cards and many preferential activities. For example, JD.COM White Card can receive steel, SF Co-branded Card can be sent by mail at 1 cent, and there are 9 redemption activities. 9 points can be exchanged for Starbucks, books below 35 yuan, or Wanda movie tickets. In addition, CITIC Platinum Card is known as the most cost-effective platinum card, because its services are very real: VIP travel, platinum medical care, aviation security, accelerated points and so on.
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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.
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 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 CITIC Bank credit card holders can only apply for interest-free installment within three working days from the bill date to the repayment date.
What kinds of CITIC credit cards are there? Each type of CITIC Credit Card has its own advantages.
CITIC Bank has set up different types of credit cards for different consumer groups, giving consumers different preferences. Xiaofu showed everyone about these credit cards.
First, online shopping pickpockets: Taobao V card, I Platinum card.
1, Taobao v card
● Holiday surprise, with points doubled 10 times.
On special days such as Taobao member's birthday, member anniversary, Taobao new member registration day, member day, etc., you can enjoy up to 10 times CITIC credit card points when you use Taobao V card for Alipay quick transaction.
30 yuan red envelopes, everyone has a share.
Within one month after the new user of Taobao V card opens the card, the first Alipay express transaction is full (inclusive) in 30 yuan, and the red envelope of 30 yuan Alipay will be returned.
2.I Platinum Card
● Annual fee-free credit card platinum card.
I Platinum is exempt from the annual fee for the first year in 480 yuan, and the annual fee for the next year is exempted by swiping the card (including cash withdrawal) 12 times in the billing year.
● Integral of online transaction table
Double points can be calculated through the online transaction of CITIC I Platinum Card.
● 5 million aviation accident insurance
If you pay 80% or more of the air ticket or tour fare by credit card, you can get high aviation accident insurance without spending money. Your insurance coverage is as high as 5 million RMB! Spouses and children of peers can also have high insurance of up to 2.5 million yuan and 65,438+10,000 yuan, and the whole family can enjoy protection.
●2 hours flight delay insurance
Every natural month, the integral transaction reaches 6000 yuan, and you can claim by plane before the end of the next month.
That is to say, if the trading conditions are suitable, use CITIC I Platinum Credit Card to book air tickets for yourself and your peers through the designated booking channels, and pay the full amount of the air tickets. If the flight is delayed for 2 hours, the compensation can reach 65,438 yuan+0,000 yuan. Caring, caring all the way.
Second, trapeze: air co-branded card, Ctrip co-branded card.
1, China Southern Pearl Credit Card
● Dual-card integration, distinguished experience
Nanzhu credit card integrates Nanzhu membership card and CITIC credit card, which allows users to experience distinguished rights and convenient services in business travel and daily consumption.
● Double mileage, exclusive rights.
With the consumption of China Southern Airlines Card, you can get the corresponding "China Southern Airlines Pearl Mileage" cumulative reward.
Platinum Card: Every time you spend 65,438+00 RMB, you can accumulate 65,438+0 kilometers of "China Southern Pearl".
Gold card: every time you spend 15 RMB, you can accumulate 1 km of "China Southern Pearl" mileage.
Puka: Every time you spend 18 RMB, you can accumulate 1 km of "China Southern Pearl" mileage.
2. Ctrip co-branded credit card
● Full return, waiting for you to play.
New users of CITIC Ctrip Co-branded Card can get 3% refund of air tickets, 6% refund of hotels and 5% refund of holiday products through designated channels within 90 days (inclusive); After 90 days, 0.3% of air tickets, 5% of hotels and 2% of holiday products can be returned through designated channels.
● Flight delay insurance, free.
Citic Ctrip co-branded cardholders can purchase flight delay insurance for free by ordering air tickets through CITIC Business Travel Service Line 40068-95558, Ctrip website and Ctrip mobile phone client APP, and traveling at home and abroad on international and domestic flights.
Platinum card-compensation for flight delay of 2 hours 1000 yuan.
Gold card-4-hour compensation for flight delay 1000 yuan.
Third, the goddess must have: magic credit card
Magic Credit Card (exclusive to women)
● Up to 30,000 yuan female health insurance
Take the lead in providing women's health insurance for CITIC Magic Credit Card holders in China, helping you stay away from many high-risk diseases of women and giving you all-round care! The maximum insured amount of Magic Platinum Card, Magic Titanium Card and Magic Gold Card is RMB 65,438+000,000, and the maximum insured amount of Magic Gold Card is RMB 30,000 (subject to the terms).
● Reward points for online/offline transactions.
Using magic cards for online transactions, ordinary cards will count as single points, and gold and platinum cards will count as double points.
●6 free beauty SPA services
The main card users of CITIC Magic Platinum Card (including Zunshang and Premium) can have 6 free high-end beauty SPA services during the annual fee period, and users can enjoy this service with their relatives and friends. Provide beautiful pastoral and beautiful beauty services for users to choose from.
Iv. Overseas purchase in buy buy: visasignature full currency credit card.
Visasignature full currency credit card
● Free of 1.5% currency exchange fee.
There is no need to queue up to buy foreign exchange, and there is no charge for buying foreign exchange online!
● Overseas visa lines cost 3 times points.
The higher the cost, the more points, and there is no ceiling. You can redeem air miles and points gifts at will!
● Free of overseas cash withdrawal fees.
Before 201612/31,take it as needed and use it as needed.
● Free annual fee of 2000 yuan.
Apply before 20 16 12 3 1, and the card is valid without annual fee, which is very easy to use!
● Exquisite card opening ceremony
Before 20 16, 12, and 3 1, the new car host who applied for and approved CITIC Quanjintong Credit Card for the first time can open the card at will during the activity and obtain the redemption qualification. Eligible users will receive SMS prompts to redeem exquisite card opening gifts, which can be redeemed through SMS or website.
Cai Xiao suggested that CITIC Bank should open different types of credit cards according to different purposes and scope of use. Consumers should know the details of the card before applying, and then open the card after analysis. Don't blindly open the card, distinguish the annual fee and payment date of the credit card, and avoid credit damage caused by excessive application times, improper management and failure to repay on time.
How about CITIC Credit Card?
The information given by the subjects is incomplete, and it is not easy to draw conclusions without knowing the cause and effect. Personally, I think CITIC Credit Card is quite good in commercial bank credit cards, and it is also very good to take off the card. Moreover, there are many kinds of CITIC credit cards and many preferential activities. For example, JD.COM White Card can receive steel _, SF Co-branded Card can be mailed by 1 cent, and there are 9 redemption activities. 9 points can be exchanged for Starbucks, books below 35 yuan, or Wanda movie tickets. In addition, CITIC Platinum Card is known as the most cost-effective platinum card, because its services are very real: VIP travel, platinum medical care, aviation security, accelerated points and so on.
Precautions for credit card use:
1. Pay attention to two dates: bookkeeping date and repayment date.
Generally, the repayment date is 20 or 25 days after the bill date, with the longest interest-free period and the shortest interest-free period.
2. Credit card information protection.
The three key information on the face of a credit card: the expiration date and the CVV code, affect your card security, especially the CVV code, which is as important as the password. It is recommended to cover CVV code with correction fluid or sticker, and some people are even worse. Scrape off the CVV password with a blade and remember these three numbers.
3. Diligently handle credit cards, in order to avoid annual fees; Only when the repayment is made on time can the amount be withdrawn.
Generally, you can avoid the annual fee by swiping your card six times. So be sure to pay the annual fee. In addition, we can increase the credit card limit by swiping more cards and swiping frequently. At the same time, being able to repay on time and maintain a good credit record is also a way to improve the credit limit. Moreover, it is also very convenient to pay without a card for mobile phone POS, which belongs to online consumption. Combined with daily offline consumption, a variety of combinations are used.
4. Choose the repayment method that suits you best.
In this information age, repayment methods are diversified, and you don't have to go to bank outlets or ATM to transfer repayment.
5. If you can't, or delay repayment due to something, you can call customer service to apply for deferred repayment.
If your funds can't be turned over temporarily, or you are delayed in repayment due to something, don't worry, call the bank customer service immediately and apply for a delay of repayment for one to three days.
6. What if the funds are tight? Apply to change the accounting date and extend the interest-free period.
When applying for changing the bill date, we should pay attention to calculating the bill date and time, enjoy the longest interest-free period, and relieve the pressure of tight funds. However, this skill is not available every month. It is said that some banks can only apply for change once every six months, some banks can only apply for change once a year, and some banks can only change once in their lifetime!
7. Say no to all unreasonable charges
Anyone who has unreasonable charges for credit cards can call customer service and bargain with customer service to apply for cancellation of unreasonable charges. If the customer service doesn't agree, you can stick to the complaint in the end and generally win the case.
8. Use credit cards carefully.
Credit card installment interest is very high, even if it is interest-free, the installment fee is not cheap, so use it carefully and don't let the bank earn a dime! Of course, except for those who can't repay the credit card arrears on time under special circumstances, except for those who want to increase the credit card limit as soon as possible.
What are the advantages and disadvantages of CITIC Bank's credit card?
Advantages:
1, there are many activities, especially eating and brushing!
2, flicker customer service can get a lifetime free annual fee.
3. Integral is easy to get.
4. The card is used well, and there is also the so-called "credit fund" and "new fast web" business. If you have more money, you can use it to roll wool!
5. The installment amount is relatively high and does not account for the amount.
6. Puka Gold Card swipes the card five times to avoid the annual fee of the following year.
Disadvantages:
1, the installment fee is very high.
2. SMS reminder fee
3. The interest-free period is not long.
4. Risk control is very strict.
Extended data
CITIC has many special cards and co-branded cards, many of which have always been the stars of the card industry, such as the famous CITIC I Platinum Credit Card, double points for online shopping, 1, 000 yuan /2-hour flight delay insurance, 5 million aviation accident insurance, etc. And the annual fee is free; For example, CITIC Xiaobai Card, also known as the JD.COM White Bar Co-branded Card, can be used to return white bars, extend the interest-free period, and use credit cards as money products. For example, Yoyo Club Co-branded Card, MasterCard Titanium Card, etc. , has received much attention.
Recently, CITIC has successively launched Uber co-branded cards, asia miles co-branded cards, Cathay Pacific co-branded cards and public comment co-branded cards. In short, people with many choices and different needs.
This concludes the introduction of CITIC Credit Card and CITIC Bank Credit Card. I wonder if you have found the information you need?