Can I apply for the card directly after passing the preliminary review of CITIC?

Not necessarily, it needs to be discussed in two situations; CITIC Credit Card has two types: online application and over-the-counter card application. If the over-the-counter card application passes the preliminary review, the card will be issued directly, but online application is not necessarily the case. , there will be two situations: interview first and then apply for the card, or apply for the card first and then apply for the card. The details will depend on how the bank notifies you in the text message sent after the initial review:

1. SMS notification: first apply for the interview and then apply for the card.

On the day you receive the text message, you can have an interview at any CITIC Bank branch. Usually you need to bring your valid ID card and the mobile phone number reserved when applying for the card. Go to the branch to have the staff verify your identity and answer a few questions. If you ask a question, just copy a paragraph and sign it. If you are not rejected on the spot, you can apply for the card after the interview is successful.

After you get the credit card, you no longer need to go to the bank to activate it. You can easily make a phone call or activate it directly on the official website. Don’t forget to set the query password.

2. The SMS will notify you to apply for the card before the interview

If the SMS informs you that you have passed the preliminary review and are waiting for the card to be issued, the card will be issued directly, usually within 2 to 3 days after receiving the SMS. , the bank will prepare the card, and you will receive the card letter in about a week. Just bring the card letter, valid ID card, and reserved mobile phone number to the counter to sign. The process is similar.

After the interview is successful, the staff will help the cardholder activate the credit card on the spot. The cardholder can set the inquiry password and then use the card, or we can activate it ourselves; if the interview is rejected, it has been The credit card received will be invalidated. It is best to cut the card.

Extended information:

Credit card application:

If customers want to apply for a credit card, they can directly bring their personal ID card and proof of income (such as bank statements, pay slips ) and other relevant information, go to the counter of the selected bank's offline business outlet to ask the staff to apply for a card, then get the application form to fill in, and then hand the completed form together with the information to the staff, and then just wait patiently for the bank Just review

After the bank has completed the approval, it will naturally send a message to notify the customer. If the approval is passed, a card will be printed for the customer, and then the prepared card will be mailed to the customer. Customers can activate it after receiving the card.

Of course, in addition to applying at branches, customers can also apply directly on the bank's official website, mobile banking client or credit card APP. However, everyone needs to be aware that if you apply for a credit card from a bank online for the first time, you may have to go to the bank for an interview later.

Customers should pay attention to keeping the phone open after submitting the card application, because some banks may call the customer to ask for some relevant information during the review. In this regard, if the call is not received in time, it may have a certain impact on the card approval.

Credit card limit increase:

When applying for a credit card, the bank will approve the limit based on the applicant's comprehensive qualifications, and the credit card can also be used to increase the limit. The method is as follows:

1. Use more credit cards to spend money

If you want to increase your credit card limit, you should use more credit cards to make purchases. Try to use your card where you can. It is best to keep the credit card before applying for the limit increase. Have a stable consumption record for several months, and it is best to make about 20 transactions every month. The merchants where the card is swiped should also be diversified.

2. Apply for installments appropriately

Properly applying for installments is conducive to credit card limit increase, but it is best not to make the installments too long. 3 to 6 installments are enough, and the installments are The amount should not be too large either. For example, it is very suitable to apply for installment after consumption during some holidays, and the success rate of increasing the amount is also high.

3. Keep good card usage records

If you want to increase your credit card limit, good card usage records are essential, because if you have a bad record on your credit report, you will not be able to increase your credit limit. Yes, so when repaying a credit card, you must pay it back on time to avoid overdue payments and avoid illegal operations such as cashing out.