CITIC Credit Card Balance Inquiry

Can CITIC Bank check the balance by SMS?

Of course.

Credit card balance inquiry method of CITIC Bank by SMS: send "YE+ last four digits of the card" (e.g. YE 1234) to 10698009558.

Credit card SMS application of China CITIC Bank: send "the last four digits of LT+ card and the last six digits of ID card" (e.g. LT1234111111) It is temporarily impossible to apply for a fixed/permanent quota by SMS.

Extended data

CITIC Bank's credit card application conditions are relatively relaxed, as long as you meet the following requirements:

1, age requirements: domestic residents must be between 18-65 years old, and foreigners must be between 25-65 years old;

2. Job requirements: have a stable work unit, income and fixed residence;

3. Credit requirement: no bad credit record (how to establish a good credit record)

Credit card application materials of CITIC Bank

The application materials for bank credit cards vary according to the applicant's conditions and the card you apply for. You are free to choose the appropriate application materials according to your own situation.

-If you have a credit card from another bank, and it has been issued for more than half a year, it is suggested that you apply for a credit card from China CITIC Bank quickly by issuing a card.

The "card-to-card" method requires attention:

1) There is no record that other banks' credit cards are overdue for more than 30 days within 6 months;

2) The average credit line is not less than 5,000 yuan; If you have more than three credit cards from other banks, and the credit limit is above 90%, banks generally will not handle them.

—— If you are a customer who applies for CITIC Bank Credit Card for the first time, the application materials for CITIC Bank Credit Card are divided into necessary materials and auxiliary materials: the necessary materials are the materials you must provide when applying for CITIC Bank Credit Card, and the auxiliary materials help you improve the approval rate and credit limit.

1. Identity information: copy of resident ID card or military officer's card; If you are a Hong Kong and Macao compatriot, you need to provide a copy of your mainland pass and residence certificate for more than one year; If you are a foreigner, you can provide a copy of your passport and residence permit for more than one year.

2. Work and income certificate: salary certificate or business card or photo badge.

Supporting materials for credit card application of CITIC Bank:

Proof materials that can prove that you have good economic strength: copy of real estate license and copy of automobile driving license; A copy of the loan customer of China CITIC Bank (with good credit and overdue for no more than 60 days) or deposit certificate.

References:

CITIC Bank official website-CITIC Bank Credit Card SMS Inquiry Balance

How does CITIC Bank check bills with credit cards?

Taking WeChat version 8.0. 16, Apple 13(IOS 15.2 system) and Huawei mate40(HarmonyOS2 system) as examples, CITIC Bank supports various forms of bill inquiry, including online banking, express online banking, SMS, WeChat, dynamic card space and self-service voice.

SMS inquiry: edit the last four digits of ZD++, such as ZD8888, and send it to 106980095558 to inquire about the bill amount and repayment date of the current period.

Wechat Inquiry: Pay attention to the official account of CITIC Credit Card WeChat "CITIC Bank Credit Card", bind credit cards, receive WeChat bills and conduct bill inquiry.

Telephone enquiry: Call 40088-95558 for enquiry through self-service voice service.

How to read credit card bill details;

In the bill, all transaction details in the transaction cycle will be listed, that is, credit card details, including credit card time, transaction merchants, settlement amount and so on. If you really can't remember the amount, you can call the credit card customer service phone for consultation, and there will be more detailed tips.

As an overdraft consumption purpose, credit card is really convenient for us to use, but the money that is swiped out must be returned. So, please spend rationally. If you can't repay the loan on time and in quantity, you will have a bad record and a high late fee.

How to inquire about the credit card bill details of CITIC Bank?

The inquiry method of credit card consumption details of CITIC Bank is as follows:

1, WeChat official account inquiry

Cardholders can pay attention to the official WeChat account of CITIC Bank's credit card, and then select "Card Opening Review" in the menu bar below, and select "Review and Repayment" in it, and then log in to their personal account for inquiry.

2, dynamic card space APP query

Cardholders can download the mobile card space of the exclusive credit card APP of CITIC Bank on their mobile phones, then log in to their personal accounts and follow the prompts to make inquiries.

3. Customer service telephone inquiry

The cardholder can call the customer service telephone number of CITIC Bank Credit Card Center at 400-889-5558. After the call is connected, enter++or ID number according to the telephone voice prompt, and then press 1 for self-service bill inquiry.

4, SMS query:

The cardholder can edit the last four digits of the plus sign of ZD and send them to 106980095558, for example, ZD 1234.

The main features of credit cards:

1. Credit card is one of the fastest-growing financial services, and it can replace the traditional cash circulation in a certain range.

2. Credit card has both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers;

Credit card is a high-tech product integrating financial business and computer technology.

4. Credit cards can reduce the use of cash and currency;

5. Credit card can provide settlement service, which is convenient for shopping and consumption and enhances the sense of security;

6. Credit cards can simplify the collection procedures and save social labor;

7. Credit cards can promote commodity sales and++social demand.

Main types

According to the different card issuers, it can be divided into bank cards and non-bank cards.

Bank card. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or they can withdraw cash at any time at the outlets of the issuing bank or at places with ATMs.

Non-bank card. This kind of card can be divided into retail credit card and travel entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are specially used for shopping in designated stores or filling gas stations. , and settle accounts regularly. Travel and entertainment card is a credit card issued by airlines, travel companies and other service industries, which is used for ticket purchase, dining, accommodation, entertainment and so on.

According to the different issuing banks, it can be divided into corporate cards and personal cards.

Company card. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, state party and government organs, armed forces, organizations and other legal person organizations.

Personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. The personal card is applied in the name of an individual and bears all the responsibilities for its use.

According to the credit status of cardholders, it can be divided into ordinary cards and gold cards.

Ordinary card. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and the requirements are not high.

Gold card. Gold card is an advanced credit card that pays a high membership fee and enjoys special treatment. Card issuers are institutions with high credit, strong repayment ability, credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are wider, so the requirements for related service fees and deposits are higher.

How to check the credit card bill of CITIC Bank?

The query method is as follows:

1. Open Baidu search, enter "CITIC Bank" in the search bar, find CITIC Bank official website after the search and click Enter.

2. After entering official website of China CITIC Bank, find the item of "Personal Online Banking" under the online banking login, and click Enter.

3. After entering the personal online banking login interface, enter the corresponding information to log in.

4. After logging in successfully, find the "Account Inquiry" item under account management, and click Enter.

5. After entering the account inquiry, you can check the credit card bill.

How to check the bill with CITIC Bank's credit card?

For the bill and details of CITIC Bank's credit card, please follow the official WeChat account number of CITIC Bank's credit card through 1: "zxyhxyk" or "CITIC Bank Credit Card". 2. Download the exclusive credit APP- of CITIC Bank-dynamic card space: 3. Call the customer service hotline-enter++or ID number-press 1 self-service bill inquiry. 4. Edit and edit ZD and add++and then send it to 106980095558, for example: ZD 1234.

WeChat Apple 12, ios 14, WeChat version 8.0. 13.

Personal credit report is required for bank loans:

1. Bring my ID card or client's ID card and power of attorney, and provide my ID card to the credit inquiry window of the People's Bank of China to print personal credit records;

2. Open China People's Credit Information Center official website (version 3.3.2 of Google Browser), and submit an application for personal credit information record in the personal inquiry column with the mobile phone number matching the registered account number of the ID card. Usually, the mobile phone will receive the inquiry code from the credit information center within 72 hours. Open the official website login account of China People's Credit Information Center again, enter the inquiry code of SMS in the personal inquiry column to access personal credit information, and download and save a PDF document at the bottom of the page.

Conditions for applying for bank loan business:

Natural persons aged between 18 and 65;

2. The borrower's actual age plus the loan application period shall not exceed 70 years old;

3. Have a stable occupation, stable income and the ability to repay the principal and interest of the loan on schedule;

4. Good credit information, no bad records, and legal use of the loan;

5. Meet other conditions stipulated by the bank;

6. If the above conditions are met, you can apply for loan business at the local bank.

To apply for a bank loan, you need to prepare materials:

1. Valid ID;

(2) proof of permanent residence or valid residence and proof of fixed residence; 3. Proof of marital problems;

4. Bank flow;

5. Proof of income or personal assets; 6. Credit report;

7. Use plan or loan purpose statement;

8. Other information required by the bank. Requirements for bank loans:

(1) 18 years old with full capacity for civil conduct, permanent residence of urban residents or legal and valid identification, and the age of the lender required for bank loans is usually between 18-60;

(2) have a stable legal income and the ability to repay interest;

(3) Good credit information;

(4) Other conditions required by the lending bank.

The credit card bill has been paid off, and a refund has occurred, and the refund funds will be returned to the credit card account. This money can be used to repay the credit card arrears, and it can also be used to swipe the card, withdraw cash and transfer money. Cash deposited in credit card accounts will become overpayment, and some banks need to pay handling fees for overpayment and cash withdrawal, so it will be more cost-effective to repay and swipe the card with overpayment.

In fact, credit cards will be refunded, and before repayment, the refund will be restored to the limit to hedge the bill. The user does not need to repay the refund amount.

Inquiry method of credit card bill of China CITIC Bank

The interest-free period of CITIC Bank credit card is 50 days. After paying off the bill arrears during the interest-free period, the credit card limit will be restored. What are the inquiry methods of credit card bills of CITIC Bank?

1, SMS for billing information. Edit the last four digits of ZD++, such as ZD8888, and send it to 106980095558, and you can query the bill amount and repayment date.

2. Log in to credit card online banking to view billing information. Select my account, and you can see your 12-month billing information in the query of outstanding bills and historical bills.

3. Log in to personal online banking to query billing information. Select "Credit Card" at the top right, and then select "My Account". You can see my 12 month billing information in the query of open bills and historical bills.

4. Call 40088-95558 to check the billing information through self-service voice service. Call 40088-95558, select 1-2 according to the automatic voice prompt information, enter and verify the identity information, and then you can quickly query the current bill; Call 40088-95558, select 1-5 according to the automatic voice prompt information, enter and verify the identity information, and then you can query the current bill, outstanding bill and historical bill.

5. Download and install "Dynamic Card Space", register and log in, then click "Self-service" to enter the self-service function page, and select the bill type to query. (You can query the bill information of normal signing cards under your name, including: (RMB/foreign currency) unbilled bills, historical bills and current bills).

Let's stop here for the introduction of checking the balance of CITIC Credit Card.