What is the general warning information of CITIC?

1, warning message. Dear CITIC credit card customers, according to the regulatory requirements, if there is any abnormality in credit card use, repayment or personal credit, the bank may take measures such as reducing the credit line and restricting the use of credit cards. Remind everyone to standardize the use of cards, repay on time, and cherish credit records.

2. Send text messages in groups. Tips of CITIC Credit Card: Credit cards are limited to personal daily consumption, and you need to swipe your card or withdraw cash through formal channels (there will be fees for withdrawing cash). According to the regulatory requirements, banks have the right to take measures such as reducing the quota and locking cards to ensure the security of credit cards.

3. Risk control SMS. Dear credit card customers of CITIC Bank, after monitoring, it is found that your credit card is suspected of cashing out. If the card is used illegally, the bank has the right to take measures such as reducing the credit card limit and restricting the use of the card according to the regulatory requirements. I would like to remind everyone to standardize the use of cards.

1. Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to the credit card that the cardholder has a certain credit limit and can spend before repayment within the credit limit; Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of petty cash according to the regulations, and when the balance of the petty cash account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally only refer to credit cards. Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when spending, and repayment will be made on the account date. According to Article 7 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, a credit card refers to a cardholder who records the relevant information of the cardholder's account, has the function of bank credit line and overdraft, and provides relevant banking services.

2. China's credit card market is still one of the fastest growing product lines in China's personal financial services market. Although the economic benefits of the industry are full of challenges, in the next 65,438+00 years, the average annual growth rate of credit card issuance in China will remain at around 65,438+04%, and the profitability will be further improved. It also tends to improve; According to the report issued by the People's Republic of China (PRC) Payment and Settlement Department, as of the third quarter of 20021,the number of credit cards, debit cards and credit card holders was 798 million, up by 0.97% from the previous month, with 0.57 credit cards, debit cards and credit cards per capita.