How many days after the credit card of CITIC Bank is overdue is not overdue.

CITIC Bank's credit card is not overdue if it is overdue for 3 days. According to the repayment regulations of CITIC Bank, the debt will be paid off within three days from the repayment date, which will not affect personal credit information. If it arrives within 3 days after the final repayment date, it will not be overdue and will not generate late fees and interest. For example, the final repayment date is the 5th of each month, and repayment before 24: 00 pm on the 8th of that month will not affect personal credit.

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1. How does CITIC Credit Card prepay in installments?

If CITIC Credit Card wants to prepay by installments, the cardholder should call the customer service hotline of CITIC Credit Card Center (40088-95558) to apply for prepayment by installments.

After prepayment, the remaining installment amount will be displayed in the latest bill, and repayment can be made in time according to the bill amount. After the application for prepayment is approved, the cardholder needs to repay the outstanding installment principal in one lump sum.

According to the credit card installment rules of CITIC Bank, 3% of the outstanding principal will be charged as the prepayment fee for canceling part of installment business.

2. Can I withdraw cash from CITIC Bank's credit card?

CITIC Bank can withdraw cash from credit cards. Credit card withdrawals require a handling fee and interest. The specific handling fees are as follows:

1. Domestic cash withdrawal: both the Bank and other banks charge 2% of the cash withdrawal amount, with a minimum of RMB 20 per transaction;

2. Withdrawal from overseas (including Hong Kong, Macao and Taiwan): 3% of the withdrawal amount, with a minimum of 3 yuan dollars or 30 yuan dollars or 3 yuan euros for each withdrawal;

3. southern fund card: the withdrawal amount is 1%, and the minimum charge is RMB 9 yuan or USD 1 yuan;

4. Blue card: free of charge for withdrawing cash from CITIC Bank within 500,000 yuan (inclusive) every month, 3% for the part exceeding 500,000 yuan, and free of charge for withdrawing cash from other banks twice before each month, exceeding the part of 2 yuan/pen.

3. How to redeem credit card points of CITIC Bank?

There are several ways to redeem credit card points of CITIC Bank:

1, website redemption (:log in to online banking of China CITIC Bank, click to enter integral mall, you can check credit card points in the mall, select the goods to be redeemed according to your existing points, submit an order, and improve the receiving information, and then you can complete the redemption.

Operating environment:

Brand model: Lenovo notebook computer Xiao Xin Air 15 Ruilong Edition

System version: Windows 1 1

Browser: Google chrome browser

Browser version: 87.0.4280.88

2. SMS redemption: You need to edit SMS with your mobile phone number bound to CITIC Bank: "CR+ redemption code+last four digits of the card" and send it to 106980095558 (you need to indicate the rights and interests of member information, such as air miles, etc., and SMS redemption is not supported).

3. WeChat redemption: firstly, log in to the WeChat account of CITIC Credit Card, click and select "My Account"-"Points Redemption", and then you can redeem points gifts as required.

Operating environment:

Brand model: iPhone 13

System version: iOS 15.0

App version: 8.0. 16

4. Redemption of mobile app: First, log in to the "Mobile Phone Card Space" app of CITIC Credit Card, select "Friends Fish Points" on the home page, and select the products you want to redeem.

Operating environment:

Brand model: iPhone 13

System version: iOS 15.0

Application version: 8.0.0