CITIC Bank Credit Card Platinum Card

CITIC Bank Platinum Credit Card Application Conditions

Application conditions of CITIC Bank Platinum Credit Card: The applicant must be between 18 and 65 years old and have full capacity for civil conduct; The applicant must be a China citizen; The applicant should have a good credit record and no bad credit record such as overdue; The applicant should have a certain economic foundation, rich financial resources and fixed assets of more than 500 thousand yuan; Applicants should have a high and stable source of income, with an annual salary of 654.38+10,000 yuan and above.

I. Advantages of Platinum Card

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2. The amount of platinum card is much higher than that of ordinary card and gold card. Moreover, it also shows a more noble status, which indicates that the cardholder is a successful person.

Second, the annual fee is not acceptable to ordinary people. Although different banks have different standards for charging annual fees for different types of platinum cards, they have one thing in common, that is, the annual fees are moderately high, which is unacceptable to ordinary people. Today, the annual fee for platinum cards is regulated:

1. No matter whether the card is opened or not, once the card is verified, an annual fee will be charged. Most credit cards are of this standard, and the annual fee ranges from 500 to several thousand yuan.

2. Credit card consumption is free of annual fee. The normal state is that spending on credit cards ranges from tens of thousands to hundreds of thousands in the first year.

In this regard, it must be noted that many salesmen will introduce platinum cards to you when handling cards, because they get more commissions when handling platinum cards, and sometimes he will deliberately not tell you the annual fee!

Third, banks have also launched many fake platinum credit cards, commonly known as "Little Platinum". This kind of platinum card looks no different from the standard platinum card. In fact, this is a different world:

1. Limit distance: The standard platinum credit card has a high starting point, and the initial credit line is above100000, while the limit of "Little Platinum" is usually only higher than that of the gold card. According to different qualifications, the starting point is usually 30 thousand to 50 thousand.

2. Annual fee distance: Under normal circumstances, the annual fee of a standard platinum card will be as high as several thousand yuan, but "Little Platinum" can be offset without annual fee or credit card or points.

3. Service distance: The advantages mentioned above are usually only aimed at standardizing credit cards, and "Little Platinum" can enjoy few services.

Due to the particularity of platinum cards, some banks usually pass many platinum cards if they apply automatically. These banks prefer to send invitations automatically to invite qualified users to upgrade to platinum cards.

Based on the characteristics of the above platinum card, it is not so easy to apply for a standardized platinum card. Don't be fooled by "Little Platinum". Platinum card standardization has a high annual fee. If you don't often use those high-end services, you'd better not apply for them.

What is the general limit of CITIC Bank Platinum Credit Card? What is the annual fee?

I. 1. Quota:

The credit limit of CITIC Bank Platinum Card is generally more than 50,000 yuan, and the specific amount is not fixed, mainly depending on the personal qualifications of the applicant. CITIC Bank will make a comprehensive score according to the information submitted by the applicant and give the corresponding quota. When conducting comprehensive evaluation, CITIC Bank mainly refers to the applicant's age, unit, income, position, housing, education, marriage, real estate, professional title, credit record, personal financial assets, etc.

2. Annual fee:

The annual fee of CITIC Bank Platinum Credit Card is 480 yuan, and the annual fee of supplementary card is 240. In addition, CITIC Bank's I Platinum Card provides an annual fee-free service. As long as you swipe your card 12 times, you can avoid the annual fee of the current year, and you can also exchange points for annual fees, 60,000 points.

Second, the credit card limit related content

1. Credit card limit, also known as credit card available limit, refers to the maximum amount you can use with a credit card, including the credit limit (that is, the maximum overdraft limit of a credit card) and the amount deposited in the credit card. The amount of any credit card depends on the effective income provided by the individual during the application process and the value of the asset guarantee. The credit limit of a credit card is positively related to the applicant's income and secured assets, that is, the higher the income and secured assets, the higher the credit limit. Therefore, the applicant must provide proof of income and statement of asset guarantee. Asset guarantee includes fixed assets such as real estate and automobiles, as well as current assets such as savings and bonds.

2. Any bank card-related information can be inquired through the business outlets of the issuing bank over the counter, and credit card credit line inquiry is no exception. The specific method is very simple, just bring my ID card and credit card to the local bank business hall to inquire. Each issuing bank has its own customer service telephone number, and customers can call for consultation if they have any questions. The operation is convenient and simple, you only need to choose the service you need according to its prompt, and you can connect with manual consultation if necessary.

China CITIC Bank Credit Card Platinum Annual Fee

It is really a trap for CITIC Bank to upgrade its credit card, gold card and platinum card, so be careful.

CITIC Credit Card Platinum Card has a certain annual fee reduction policy:

1, the cardholder's annual fee for the first year needs to be paid by the customer, and the annual fee for the elite version and the distinguished version for the next year can be redeemed through points; Zunshang Platinum Card also needs to pay its annual fee for the next year, and cannot be redeemed through points.

2. If the cardholder does not have too many requirements for the rights and interests of CITIC Credit Card Platinum Card, it is suggested that the cardholder can choose CITIC Bank Credit Card UnionPay Platinum Card Elite Edition or Premium Edition.

1. Although the annual fee of CITIC Credit Card Platinum Card is relatively expensive, the cost performance ratio is still considerable:

1. Cardholders can enjoy the whole sports experience of Platinum 36 1;

2. Cardholders enjoy platinum business travel privileges, such as VIP registration, 2-hour flight delay insurance and other services;

3. Cardholders enjoy platinum travel protection, aviation accident insurance of 6.5438+0.5 million yuan and automobile road rescue services;

4. Cardholders enjoy platinum private medical care, including platinum dental cleaning care, family health check-up, appointment registration, etc.

5. Cardholders enjoy the privilege of platinum expert services.

2. The credit card issuance of CITIC Bank has maintained rapid growth in the past few years. In 20 17, CITIC Bank added 12 19000 credit cards, and issued a total of 49.57 million cards. In 20 18, the number of new cards issued was17.48 million, an increase of 43.44% over the previous year, and the growth rate of card issuance exceeded that of China Merchants Bank and Ping An Bank, the "king of retail". A total of 67.05 million cards were issued. In 20 19, CITIC Bank added 162 1 10,000 credit cards, and issued a total of 83.32 million cards, an increase of 24.26% over the end of last year. In 2020, affected by the epidemic, the growth rate of new credit cards of CITIC Bank declined, but the total number still reached 9.3 million, and the cumulative number of cards issued exceeded 92.62 million. By the end of 2020, the credit card loan balance of CITIC Bank was 485.2 billion yuan, down 5.64% from the end of last year; At the end of 20 18 and 20 19, this figure was 442 billion yuan and 5142 billion yuan respectively.

3. Another evidence of the deterioration of asset quality of CITIC Bank is that its credit card bad debt recovery rate is getting lower and lower. 201credit card claims that became non-performing assets in July 9, the recovery rate of1.53% is 12 months. The NPL recovery rate from July 2065438 to July 2007 was 12 months, which was 17.0438+0%. The credit card issuance rate of CITIC Bank is basically the first class, and many people can know that it is used. Its audit is relatively loose, but the amount is relatively low. In terms of expenses, the longest interest-free repayment period is 50 days, and you can choose to repay in full or according to the minimum repayment amount. During the interest-free repayment period, no interest is required for full repayment (except cash withdrawal), and the part paid by Canedo does not include deposit interest; The overdraft part shall be charged with interest at the rate of five ten thousandths of the daily interest.

Four. Experience in using CITIC Credit Card:

1. CITIC Credit Card does not withdraw cash, but takes 30 yuan once. (It's really unkind)

2. CITIC Credit Card should not accept the service of upgrading to the Supreme Gold Card (CITIC is very unkind and should really be scolded).

3. Don't accept those insurance promotion services (CITIC has CITIC Insurance, so it is understandable to enjoy resources, just don't accept it).

4. It is really difficult for CITIC to increase the quota. (This is similar to Bank of Communications and Bank of China. )

5. There is no free SMS for small amounts (the same is true for investment promotion, bank communication and construction).

6. The interest-free period is only 50 days (the investment is only 48 days, except for Ms. BOC Titanium Card, Huaxia Card, ICBC Card, Agricultural Bank Card and Bank of Communications Card, which are all 50 days).

7. CITIC's activities are the most affordable of all banks. The requirements are not high, and the gifts are true and kind (it's really good to watch a movie for nine dollars. ) and I usually spend four or five hundred dollars on freezing activities to get forty or fifty gifts. It's really real.

8. You can cancel the card, threatening to waive the annual fee for life, and don't worry about forgetting to use the card and being charged the annual fee. (seems to be the only one)

9. There are many special merchants here, and the tickets for cinemas are basically 50% off (anything in our city is ok).

10, U shield related debit card repayment can be sent free of charge. (This is not bad at all. I also sent points at that time)

This is the end of the introduction on how to exempt the annual fee from CITIC Bank Platinum Card and CITIC Bank Platinum Card. I wonder if you have found the information you need?