Many cardholders may not know much about Citibank, and even less about the credit cards it issues. Today, I will give you a detailed introduction to Citibank, the largest bank in the United States, with branches all over the world. What is its credit card limit?
I. Citibank Credit Card Limit
There are three ways to use Citibank Credit Card in official website (China): Citibank Gift Card, Citibank Gift Card and Citibank Exclusive Card. The initial amount of Citibank gift cards is generally 0-50 thousand yuan, and the upper limit is 50 thousand yuan, which varies according to the qualifications of applicants. The initial amount of gift cards and exclusive cards of Citibank is generally 200,000-500,000 yuan, or even higher. For different credit conditions, the credit line issued by Citibank is different.
Second, Citibank credit card application conditions
1, basic conditions
The applicant must be 18 years old and have full capacity for civil conduct;
Applicants must prepare: identity documents and photos;
The applicant must have a stable income occupation, solvency and good credit status;
The applicant's domicile and company address must be in Beijing, Shanghai, Guangzhou or Shenzhen (Citibank online application channel only).
2. Economic situation
If the monthly salary before tax is RMB 7,000 or above, you can apply for a Citi gift card.
If the pre-tax monthly salary is RMB 654.38+0 million or more, you can apply for a Citi gift card;
To sum up, Citibank's credit card application is still limited. If you don't work or live in these big cities, you can't apply for this card online. Of course, if you have Citibank outlets, you can also bring the application materials to apply for a card.
Is Citibank's credit card limit high? What is the credit card limit of Citibank?
Is Citibank's credit card limit high? What are the credit card limits of Citibank and HSBC? Because Citibank is a foreign-funded bank, there are not many credit card products issued, but the initial credit card amount is relatively high and there are good additional rights, so it is highly sought after by users. Many users want to know whether Citibank's credit card limit is high, what is the general credit card limit and so on. Next, let me tell you about Citibank's credit card limit of 360.
First of all, the credit card limit depends on many convenient conditions, including the following:
1, the applicant's own qualifications: the applicant has a stable job, high income, good property status and good credit record, so the credit card limit he can apply for will be higher; On the other hand, if the applicant's job is unstable, or his income is low, and he can't provide sufficient proof of property, then his comprehensive score will be low, and the credit card amount he can apply for will be correspondingly low.
2. Card issuing bank: Different banks can give different credit cards. Some banks give high credit lines, while others give low credit lines. Minsheng Bank is a bank with a generally high credit line.
3. Card type: Different credit card types and grades have different credit lines. The higher the level of the card, the higher the initial credit limit that can be issued. Generally speaking, the initial credit limit of Platinum Card is higher than that of Jinpu Card.
So, specific to Citibank credit card, is the amount high?
The initial amount of Citibank gift card is generally 0-50 thousand yuan, and the upper limit is 50 thousand yuan, which varies according to the qualifications of the applicant.
The initial amount of Citibank gift cards and exclusive cards is generally 200,000-500,000 yuan, or even higher. The higher the applicant's education and qualifications, the higher the initial application amount.
Don't apply blindly because the initial amount of platinum card is high. Generally speaking, the annual fee of platinum card is relatively high, ranging from several hundred yuan to tens of thousands of yuan. You can't swipe your card without annual fee. This needs to attract everyone's attention.
Is it easy to apply for Citibank credit card?
Citibank credit card is relatively easy to apply, especially through online channels, without mortgage, guarantee and so on. Fill in the information directly online, and the application information will directly enter the bank credit card center, which will review and issue it online and issue it by express delivery. The application process is very simple. If you want to apply for Citibank credit card, you must first meet the basic card requirements of Citibank.
Rong 360 recommends that you apply for the following two Citibank credit cards:
Fast card processing channel: Citi gift card
Fast card processing channel: Citi gift card
What are the basic requirements for handling Citibank credit cards?
1. The applicant must be at least 18 years old and have full capacity for civil conduct;
2. The applicant should have a stable source of income. A stable source of income means that the applicant has either a fixed job (at least half a year) or a stable personal experience (can provide corresponding certification materials).
3. No bad credit record.
What information do I need to provide to apply for Citibank credit card?
1, identity certificate, valid for more than 2 months (inclusive), all applicants are required to provide;
2. Proof of address, which should be provided by the applicant who chooses to send the card address, including water, electricity and coal bills within three months, telephone and television bills (headed by the applicant himself), bills of financial institutions (including banks, funds and insurance companies) within three months, household registration book, driver's license, passport, employment permit, residence permit and other certificates;
3. Proof of permanent address. If the permanent address of the main card applicant is inconsistent with the current address, it needs to be supplemented, including the water, electricity and coal bills within three months, telephone and television bills (the head of the household must be the applicant himself), financial institution bills within three months (including banks, funds and insurance companies), household registration book, driver's license, passport, employment permit, residence permit and other certificates;
Some applicants also need to provide the following application materials, including:
4. Proof of income, bank flow in recent three months (the word "salary" is required, and if there is no word "salary", it is necessary to supplement the salary table or unit certificate (including salary information).
5. Work certificate, including labor contract (including name, ID card information, company name, address, employment department and post, contract validity period, and stamped with the effective official seal of the company or personnel), employment certificate (including name, ID card information, company name and address, employment department and post, and stamped with the effective official seal of the company or personnel), business card, work permit, etc.
What is the general credit card limit of Citibank?
1. Citibank can handle two kinds of credit cards: Citibank gift card and Citibank mileage platinum card. Both are the lowest 5000 and the highest 50000. The main factors affecting the application amount are personal stable work and income source.
It is not easy to apply for a credit card from Citibank. According to the card friends who have applied, the people who can apply are basically more than 20,000 yuan. After all, it is also the last gold card! If you feel that the quota is not enough, you can apply for an increase in the temporary quota.