How to apply for withdrawal of CITIC Credit Card?

How to operate the credit limit of CITIC Credit Card?

CITIC Credit Card Withdrawal Operation Process:

1. Open the credit card dynamic space APP of CITIC Bank and find my limit on the home page;

2. Find and adjust the credit card quota in the Credit Card Limit Center of CITIC Bank or collect the quota in a limited time;

3. Modify and increase the fixed amount, and then click a button to increase the amount;

4. Complete SMS verification;

5. The credit limit of CITIC Credit Card was successfully adjusted;

6. Return to CITIC Credit Card Limit Center to check the latest adjusted limit.

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.

How to adjust the credit card of CITIC Bank?

CITIC Bank credit card can be withdrawn by the following methods:

1. Call the customer service hotline of CITIC Bank at 40088-95558 to apply for increasing the credit card limit. CITIC Bank will review your past credit records and card usage, and increase the credit limit for customers who meet the credit adjustment policy of CITIC Bank.

2. Log in to CITIC Credit Card Online Banking, and select "Main Card Limit Adjustment" in "Card Management" to apply for increasing your permanent limit.

If you want to increase the permanent credit limit of CITIC Credit Card, you need to pay attention to two points:

1, often using credit cards to prove to banks that they have greater consumption demand;

2. Repay in full and on time, so that banks can believe that they have sufficient repayment ability.

Extended data:

If it is a temporary withdrawal, you should first apply for a temporary credit card for at least three months, and then you can call the bank customer service to apply for a temporary withdrawal, and then the bank will make adjustments according to the credit status and card usage.

So keep a good use record. In addition, the temporary credit line is valid for up to 3 months, and the credit line will be automatically restored to the original one after expiration. If you want to apply for permanent withdrawal, you need to hold the card for at least six months.

At the same time, it is necessary to provide sufficient credit certification materials to the bank so that the application can be successful. If it is generally successful, the quota will be increased to 50% of the current quota.

Baidu Encyclopedia-China CITIC Bank Credit Card

How to raise the amount of CITIC Credit Card?

CITIC Bank's credit card quota has always been strict, and many cardholders complain that it is an "iron rooster". Although CITIC Bank's credit card is easier to pass the audit, for low-limit cardholders, the higher the credit card limit, the better. How can we quickly increase the credit card limit of CITIC Bank? Today, Xiao Qin will share with you the special skills of CITIC Bank's credit card limit!

First, the withdrawal time.

The first withdrawal time of CITIC Bank is 6 months after issuing the card. After that, the temporary quota can be raised once every three months, and the fixed quota can be raised once every six months. Therefore, we must seize the time to avoid missing the opportunity to increase the quota. In addition, if you want to withdraw cash, it is recommended to use 80% of the overdraft limit in your credit card every month and apply for a temporary limit during holidays or business trips, so that it is easier to trigger cash withdrawal.

Second, consumption skills

1. Use your CITIC credit card to spend 15-20 transactions on POS of three different acquirers, and the consumption cycle is 8- 15 days; At the same time, go to the offline large supermarket to brush the bank direct selling POS, 3-5 pens; Plus bind WeChat network consumption 1-3;

2. After the bill comes out, if you spend a sum of "insufficient balance" (for example, the credit card limit is 25,000, and the direct consumption is about 12000), it must be noted that the consumption amount is 30% larger than the fixed limit and 80% smaller than the fixed limit; At the same time, it must be greater than the available amount in the card+fixed amount 10%!

3. After spending "insufficient balance" for half an hour, send a code with the mobile phone bound by CITIC Credit Card and take the initiative to apply for withdrawal;

Third, the curve is raised.

I believe that card friends are no strangers to curves. Apply for two cards. When the amount of two cards is higher than that of one card, the curve is successful. It's easier said than done. I believe that most card friends have tried this method, and many card friends have failed, because the selection of cards, the use of original cards and the timing of curves are very important to the success of curves. Through "doing+single-currency card curve cash withdrawal", this method has a high success rate, and the line under the curve is basically broken by 5w. The method is also very simple. The original card has specially optimized three bills, each of which costs at least 1++. The fourth single direct curve letter++single currency card. After the card is released, the original card quota will be leveled synchronously. This method works every time!

Fourth, special consumption.

1. If none of the above methods can satisfy the conditions for withdrawing cash from CITIC Bank's credit card, then you can only prove that your credit card is "poor" or "poor in credit card use"! Use+consumption+frozen withdrawal method

2. How to operate: Starting from the second bill, your credit card only costs 1 RMB, and there are three pounds or Hong Kong dollars (that is, the consumption of multi-currency credit cards and the consumption of Hong Kong dollars of UnionPay single-currency cards). Third, if you look at the quota management of CITIC Mobile APP, there is a 90% chance of successful cash withdrawal!

++You can use the online method without leaving the country.

How to improve the credit limit of CITIC Credit Card

The Secret of Credit Card Credit Limit Improvement of CITIC Bank;

First, improve the credit index

In the process of using credit cards of China CITIC Bank, cardholders should not have records of bad behaviors such as overdue and cash withdrawal, but should maintain good personal credit, which plays a vital role in cash withdrawal of credit cards. Therefore, if you want to refund your credit card, good personal credit is essential.

2. Spend more by credit card.

To increase the credit card limit, cardholders need to use CITIC Bank credit cards more, from snacks to food to home appliances and furniture. It should be noted that don't spend a lot in the same place many times, otherwise the bank will suspect that the cardholder is cashing out, which is quite unfavorable for withdrawal.

3. Win by the amount of credit card.

Cardholders should spend more than 30% of the total amount of credit card spending at CITIC Bank every month, and try to win by credit card. Once the cardholder wants to withdraw cash, the bank will see the cardholder's consumption record, and the withdrawal will be relatively large.

Spending abroad is also a way.

If the cardholder wants to withdraw the amount, he can make a sum in consumption abroad. Relatively speaking, banks will be more optimistic about consumption abroad. If the cardholder intends to go abroad in the near future, he can apply for a temporary limit first, and then apply for a fixed limit after several visits in consumption abroad. Under normal circumstances, if the cardholder's credit card is in good condition, the bank will agree to the requirement of the limit.

Fifth, the timing of withdrawal is very important.

If the cardholder wants to increase the credit card limit of CITIC Bank, choosing the right withdrawal time can get twice the result with half the effort. Cardholders can call the bank to apply for withdrawal one day after the repayment date of each month or immediately after overdraft consumption, and explain that the amount is not enough. Under normal circumstances, the bank will agree to appropriately increase the credit limit of CITIC Credit Card, provided that the cardholder's credit card usage is good.

1. Call the customer service hotline of CITIC Bank at 40088-95558 to apply for increasing the credit card limit. CITIC Bank will review your past credit records and card usage, and increase the credit limit for customers who meet the credit adjustment policy of CITIC Bank.

2. Log in to CITIC Credit Card Online Banking, and select "Main Card Limit Adjustment" in "Card Management" to apply for increasing your permanent limit.

If you want to increase the permanent credit limit of CITIC Credit Card, you need to pay attention to two points:

(1) often use credit cards to prove to banks that they have a large consumption demand;

(2) Repay in full and on time, so that the bank can believe that you have enough repayment ability.

Operating environment:

China CITIC Bank Version: v8.6.5

Mobile phone: Redmi k30 12.5.5

How to raise the amount of CITIC Credit Card?

There are two kinds of credit cards in CITIC, one is temporary cash withdrawal and the other is fixed cash withdrawal, which have different requirements for the use time of credit cards. The temporary limit is raised for the first time, requiring cardholders to use credit cards for at least three months and above, and the fixed limit is raised for the first time, requiring cardholders to use credit cards for at least six months and above.

Increase the temporary limit: after holding the credit card for three months, the cardholder can call the credit card service hotline of CITIC Bank to apply, and the bank will appropriately increase the limit according to the credit card usage record. The temporary limit is valid for two months, and the original limit will be restored after the expiration.

Increase the quota: There are three ways to increase the quota: one is to call the customer service hotline of the bank credit card, the other is to log in to the online banking of CITIC Credit Card, and the third is to go to the offline outlets of CITIC Bank.

Call the customer service hotline: Call the customer service hotline of CITIC Bank to apply for increasing the credit card limit. CITIC Bank will review the cardholder's past credit records and card usage, and increase the credit limit for customers who meet the credit adjustment policy of CITIC Bank.

Login to online banking: enter the Credit Card Center of China CITIC Bank, log in to personal online banking, and click Card Management-Increase the limit of main card to apply.

Skills of improving credit limit of citic credit card. Increase the frequency of swiping cards. Daily consumption can be done by credit card, such as daily consumption, paying water and electricity bills, buying household appliances and so on. There should be both large and small consumption, so that banks can see your spending power and your dependence on credit cards. Repay on time, maintain a good reputation, repay on time after consumption, let the bank see your repayment ability, and choose the installment appropriately, but it must not be overdue; Provide more property certificates, including but not limited to property certificates, automobiles, wealth management products, deposits, insurance, etc.

This concludes the introduction of how CITIC Credit Card applies for withdrawal and how CITIC Credit Card applies for withdrawal. I wonder if you have found the information you need?