Zhongxin Finance official website

CITIC Credit Card is still quite good in commercial bank credit cards, and it is also very good to take off the card. Moreover, there are many kinds of CITIC credit cards and many preferential activities. For example, JD.COM White Card can receive steel, SF Co-branded Card can be sent by mail at 1 cent, and there are 9 redemption activities. 9 points can be exchanged for Starbucks, books below 35 yuan, or Wanda movie tickets. In addition, CITIC Platinum Card is known as the most cost-effective platinum card, because its services are very real: VIP travel, platinum medical care, aviation security, accelerated points and so on.

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On June 8, 2003, CITIC Bank Credit Card Center officially issued CITIC Credit Card. By the end of June, 2006, the cumulative number of credit cards issued was nearly 2 million, ranking first in the domestic banking industry, among which CITIC Platinum Credit Card ranked first in the country, initially establishing its position and brand image in the credit card market in China.

CITIC Bank's credit card has always been aimed at serving the public and will serve the public better in the future. Many people who have used credit cards know that credit cards are very convenient, not only in domestic supermarkets, but also in some foreign consumer places. Credit cards have greatly facilitated the general public and enabled banks to make more profits from them. CITIC Bank credit card is one of them, but there are several problems to pay attention to when using CITIC Bank credit card.

First of all, we should develop good consumption habits and not brush off all credit lines without restraint. Credit cards are used because on some occasions, when cash and bank cards cannot be paid normally, CITIC Bank's credit cards have a certain amount, and the amount of ordinary quality customers will be higher accordingly.

In addition, it should be noted that the credit card of CITIC Bank must be repaid on time. Paying back on time is the embodiment of a person's sense of responsibility. If the cardholder can't guarantee timely repayment, it is best not to use a credit card.

CITIC Bank provides a number of financial services and can provide loans to all walks of life. Personal credit loans account for a large proportion in the loan business of CITIC Bank. In many cases, individual credit loans can apply for installment payment. Cardholders can apply for interest-free installment payment if the current bill amount reaches 800 yuan or above. However, consumers who have spent money in shopping malls and made a single installment cannot use the bank's request for re-installment payment. In addition, it should be noted that CITIC Bank credit card holders can only apply for interest-free installment within three working days from the bill date to the repayment date.

[img] Credit card application conditions of CITIC Bank

The conditions for CITIC Bank to apply for a credit card are as follows:

1. The applicant must be at least 18 years old and have full capacity for civil conduct;

2. Have a legal and stable job and income;

3. The applicant has no bad credit record and good credit status;

4. It is necessary to provide the applicant's valid identity certificate and work income certificate (property, deposit and vehicle ownership certificate can be provided if conditions permit).

CHINACITICBANK, formerly known as CITIC Industrial Bank, was founded in 1987 and renamed at the end of 2005. CITIC Bank is one of the national commercial banks in China, with its headquarters in Beijing.

The major shareholder is China CITIC Company Limited. Bancobilbaovizcaya Argentaria (S. Abbva) spent 5.065438 billion euros (about 5.02 billion Hong Kong dollars) to buy a 5% stake in CITIC Bank, or it may choose to increase its shareholding in CITIC Bank to 10.07%. On April 27th, 2007, CITIC Bank was listed on the Shanghai Stock Exchange. CITIC Bank is the seventh largest bank in Chinese mainland, with total assets exceeding HK$ 65,438+0,200 billion, employees exceeding 65,438+0,600 and more than 540 branches. It is one of the six banks and three guarantees for Chinese financial stocks in Hong Kong.

On May 9, 2020, the Consumer Protection Bureau of the China Banking Regulatory Commission reported that in March, 2020, CITIC Bank provided personal bank account transaction details to a third party without the authorization of the customer himself, which violated the principle of confidentiality for depositors. Our bureau will start the investigation procedure in accordance with relevant laws and regulations and investigate and deal with it strictly according to law.

Create background

At the end of 1984, with the need of economic development, Mr. Rong Yiren, the chairman of China International Trust and Investment Corporation (hereinafter referred to as CITIC Corporation), wrote to the Central Committee specifically, requesting to set up a bank under CITIC Corporation to fully operate foreign exchange banking business. With the consent of the People's Bank of the State Council and the People's Bank of China, we will set up a banking department to expand foreign exchange banking business and do a good job in preparation.

1In April, 1985, CITIC Company established the Banking Department on the basis of the former Finance Department, and further expanded the comprehensive banking business such as external financing, foreign exchange trading, loan issuance, international settlement, financial leasing and deposit absorption. Since its establishment two years ago, the banking department has made great progress with the strong support and help of the People's Bank of China and the State Administration of Foreign Exchange. Through handling RMB and foreign exchange deposits, loans, import and export letters of credit, international leasing, securities and foreign exchange trading, exchange and other businesses, I have accumulated some experience and initially met the conditions for setting up a bank.

1986 at the end of may, citic company applied to the people's bank of China to reorganize the banking department of citic company into citic industrial bank.

At the beginning of 1987, CITIC Bank was formally established with the approval of the People's Bank of the State Council and China. Headquartered in Beijing.

1In April, 1987, the People's Bank of China approved CITIC Bank as a state-owned comprehensive bank, a subsidiary of CITIC Company, with independent legal personality. The registered capital is 800 million yuan. Self-management, independent accounting, self-financing. You can set up branches at home and abroad to operate approved banking business.

Mr. Rong Yiren, former vice president of China, is honorary chairman of CITIC Bank.

How to evaluate the credit card of CITIC Bank?

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.

User evaluation:

1. CITIC Credit Card does not withdraw cash, but takes 30 yuan once.

2. CITIC Credit Card should not accept the service of upgrading to the Supreme Gold Card.

Third, don't accept those insurance promotion services.

Fourth, it is really difficult for CITIC to increase the quota. (This is similar to Bank of Communications and Bank of China. )

Fifth, 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).

Is the credit card of CITIC Bank reliable?

1. is credible, but it has certain risks.

2. There are certain risks in this card handling method. First of all, if you can't confirm the identity of the other party and blindly provide personal information to the other party, it is easy for criminals to use it to forge a credit card with your identity. When it is discovered, it has usually caused serious losses. Secondly, if you don't know the cost of handling a card, it is very likely that you will handle a card that is not used at all or is expensive, which will only increase the burden. It takes time and effort to cancel. Finally, some lawless elements charge the so-called "agency fee" and "business card printing fee" in view of the card friends' eagerness to get a card, which makes it easy for card friends with weak consciousness to be deceived. If you want to apply for a card, you'd better go through formal channels, such as bank outlets, counters and official website.

3. Of course, the credit card WeChat of CITIC Bank has many practical functions. Not only can you check the progress of card processing, but you can also do it online. The progress check you mentioned is in the column of "Quick Card Handling" below. Find the "card processing progress query" and follow the relevant prompts. Now there are many online card channels, and it is also WeChat, which is equivalent to the credit card application of the issuing bank's diversion platform.

1. Every credit card needs strict examination by the bank before it can be issued, and the bank has not authorized any platform to issue credit cards. At most, some intermediate platforms are authorized to provide card application platforms, such as Alipay, WeChat and QQ. If there are similar advertisements in your WeChat circle of friends, such as "You only need your ID card to get a large credit card", then you should be wary. This is either cheating information or cheating fees.

2. WeChat credit card application platform, after filling in the information online, you are waiting for the card. The specific application path is as follows: Personal WeChat-Mine-Wallet-Credit Card Repayment-Credit Card Free Processing. Wechat can apply for a limited number of credit cards. China Merchants Bank, Minsheng Bank, China Guangfa Bank, Industrial and Commercial Bank, China CITIC Bank, Shanghai Pudong Development Bank, Bank of Communications, China Bank, Ping An Bank, Industrial Bank and China Everbright Bank each have three popular cards to apply for.

Operating environment:

Mobile phone model: ELS-AN002.0.0.2

Wechat: 8.0. 16

How about CITIC Credit Card?

The information given by the subjects is incomplete, and it is not easy to draw conclusions without knowing the cause and effect. Personally, I think CITIC Credit Card is quite good in commercial bank credit cards, and it is also very good to take off the card. Moreover, there are many kinds of CITIC credit cards and many preferential activities. For example, JD.COM White Card can receive steel _, SF Co-branded Card can be mailed by 1 cent, and there are 9 redemption activities. 9 points can be exchanged for Starbucks, books below 35 yuan, or Wanda movie tickets. In addition, CITIC Platinum Card is known as the most cost-effective platinum card, because its services are very real: VIP travel, platinum medical care, aviation security, accelerated points and so on.

Precautions for credit card use:

1. Pay attention to two dates: bookkeeping date and repayment date.

Generally, the repayment date is 20 or 25 days after the bill date, with the longest interest-free period and the shortest interest-free period.

2. Credit card information protection.

The three key information on the face of a credit card: the expiration date and the CVV code, affect your card security, especially the CVV code, which is as important as the password. It is recommended to cover CVV code with correction fluid or sticker, and some people are even worse. Scrape off the CVV password with a blade and remember these three numbers.

3. Diligently handle credit cards, in order to avoid annual fees; Only when the repayment is made on time can the amount be withdrawn.

Generally, you can avoid the annual fee by swiping your card six times. So be sure to pay the annual fee. In addition, we can increase the credit card limit by swiping more cards and swiping frequently. At the same time, being able to repay on time and maintain a good credit record is also a way to improve the credit limit. Moreover, it is also very convenient to pay without a card for mobile phone POS, which belongs to online consumption. Combined with daily offline consumption, a variety of combinations are used.

4. Choose the repayment method that suits you best.

In this information age, repayment methods are diversified, and you don't have to go to bank outlets or ATM to transfer repayment.

5. If you can't, or delay repayment due to something, you can call customer service to apply for deferred repayment.

If your funds can't be turned over temporarily, or you are delayed in repayment due to something, don't worry, call the bank customer service immediately and apply for a delay of repayment for one to three days.

6. What if the funds are tight? Apply to change the accounting date and extend the interest-free period.

When applying for changing the bill date, we should pay attention to calculating the bill date and time, enjoy the longest interest-free period, and relieve the pressure of tight funds. However, this skill is not available every month. It is said that some banks can only apply for change once every six months, some banks can only apply for change once a year, and some banks can only change once in their lifetime!

7. Say no to all unreasonable charges

Anyone who has unreasonable charges for credit cards can call customer service and bargain with customer service to apply for cancellation of unreasonable charges. If the customer service doesn't agree, you can stick to the complaint in the end and generally win the case.

8. Use credit cards carefully.

Credit card installment interest is very high, even if it is interest-free, the installment fee is not cheap, so use it carefully and don't let the bank earn a dime! Of course, except for those who can't repay the credit card arrears on time under special circumstances, except for those who want to increase the credit card limit as soon as possible.

Is the credit card of CITIC Bank good?

CITIC Bank's credit card is still good, which mainly has the following advantages:

1. There are many kinds of credit cards issued by CITIC Bank with different themes. Some credit cards have low thresholds. For example, QQ Caibei co-branded card is easy to apply for, but the amount is not necessarily high.

2. After applying for the credit card of CITIC Bank online, if it is successfully approved, you will receive an official message from CITIC Bank asking you to bring your ID card to the business hall of the bank, which also means that the credit card has been successfully applied and needs to be signed in person for confirmation.

3. The customer service attitude of CITIC Bank is quite good. Whether you go to the business hall of CITIC Bank or call the official customer service of CITIC Bank, you will get a satisfactory answer soon. However, after all, CITIC Bank is not as dense as the four major banks, so it may not be very convenient in some relatively small places.

4. There are many credit card preferential activities of CITIC Bank. It is the first time to choose CITIC Credit Card to pay on Taobao, and there are discounts. 9 yuan watches movies, and some cards are cashed back.

Extended data

CITIC Bank's credit card is very convenient, which can be used not only in domestic supermarkets, but also in some foreign consumer places. Credit cards have greatly facilitated ordinary people and made banks gain more profits from them.

First of all, we should develop good consumption habits and not brush off all credit lines without restraint. Credit cards are used because on some occasions, when cash and bank cards cannot be paid normally, CITIC Bank's credit cards have a certain amount, and the amount of ordinary quality customers will be higher accordingly.

In addition, it should be noted that the credit card of CITIC Bank must be repaid on time. Paying back on time is the embodiment of a person's sense of responsibility. If the cardholder can't guarantee timely repayment, it is best not to use a credit card.

Baidu Encyclopedia-China CITIC Bank Credit Card

Official website's introduction of Zhongxin Credit Card and Zhongxin Finance ends here. I wonder if you found the information you need from it?