Is it true that after handling CITIC Credit Card, the bank lender called and said that I have 30 loan rights?

1. Is it true that the bank loan officer called and said that I have 30 loan rights after handling CITIC Credit Card?

Don't take it seriously

First of all, this is a sales call, which may or may not have a quota, so 300 thousand is just a temptation, and secondly, it depends on your own needs. 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 Platinum Card will charge an annual fee after upgrading from Puka to Platinum Card, which cannot be offset by points. It will be deducted after the user explicitly upgrades, regardless of whether you open the card (Platinum Card). CITIC Bank Credit Card Center is a business department established by CITIC Bank Head Office in Shenzhen to conduct centralized operation, independent accounting, corporatization and professional management of credit card business.

Matters needing attention in loan:

1. Do you meet the loan application conditions?

First, age, second, place of work, third, years of work in this unit, fourth, income requirements, fifth, credit status, and sixth, occupation or industry restrictions. If these six elements are up to standard, you can apply with confidence.

2. Are the materials ready?

Collect four sets of loans: copy of personal ID card, work certificate, punch card salary and personal credit report, and you can almost summon the credit manager.

3. Loans should be used in compliance.

If you are going to gamble and gamble, the bank will definitely avoid you. And if you use it for stock trading, futures trading and wealth management products, these banks are also not allowed.

4. The loan amount should be reasonable.

Be sure to make a budget before applying for a loan. The loan amount can be increased by 65,438+00% on the basis of the budget. Beyond this limit, you may have to pay for your irrationality.

5. Ask the total interest of the loan.

Zero interest rate ≠ zero interest, the two must not be confused. The so-called zero-interest loan products generally transfer interest to fees, guarantees and other items. After careful calculation, it is not necessarily cheap.

6. Repayment on time is not overdue.

Once overdue, it will not only be recorded in the credit report, but also the loan and credit card application will be affected in the future, and you will also encounter penalty interest.

2. What are the credit card loans of CITIC Bank? Three major products debut!

Now all major commercial banks have bought their own credit cards, and CITIC Bank is no exception. With the increasingly powerful functions of credit cards, we can now provide cash loans for everyone. So, what are the credit card loans of CITIC Bank? Introduce the relevant situation to everyone. Credit card loans of CITIC Bank include credit card, loan and cash installment. Introduce the specific situation of these three products for everyone. Xinjinbao is a loan product that can be applied for by credit, which is mainly designed for new users of CITIC Bank's credit card. This product adopts the form of installment repayment, with the longest loan period of 36 months, the shortest repayment period of 6 months and the lowest monthly handling fee of 1 day. Lending treasure is a loan product that can be repaid by borrowing. It can be handled online through CITIC Bank credit card WeChat official account and dynamic card space APP, without mortgage and any materials. The application process takes about one minute. After the application is approved, the funds will arrive in 30 seconds at the earliest, which is very convenient. Cash installment is also a cash loan product, which adopts the method of installment repayment and monthly billing. The longest staging time is 36 and the shortest staging time is 1. Under normal circumstances, the loan is 6,543,800 yuan, and the daily expenses are RMB. This product supports the use and repayment of mobile phones anytime and anywhere. These are the three mainstream products of credit card loans of CITIC Bank. Generally speaking, such products have the characteristics of simple application process, fast payment and long loan period.

3. What are the main loan products of CITIC Bank?

What loans does CITIC Bank have? CITIC Bank is one of the national commercial banks in China, with its headquarters in Beijing. CITIC Bank has mortgage, car loan and consumer loan. Please consult the official staff of CITIC Bank for specific loan products.

What are the common loans of CITIC Bank?

Housing mortgage loan:

Our bank has launched perfect, convenient and fast loan products and financial services, which fully meet consumers' demand for housing funds. Such loans are applicable to newly-built housing, second-hand housing, housing and commercial housing.

Automobile consumption loan:

Our bank provides low down payment and long-term car sales financial services to consumers who need to buy cars. There are many cooperative brands, convenient application channels, efficient approval process and flexible repayment methods.

Comprehensive credit for real estate mortgage:

Consumers can apply to our bank for a comprehensive credit line in the form of mortgage, which can be recycled to meet various consumer needs such as personal and family decoration, study abroad, travel and car purchase.

CITIC Bank loans are divided into two types: cooperation and mutual assistance, of which the maximum amount of cooperative loans is 5 million, and the longest loan period is two years, which requires continuous operation for at least two years. The government, institutions and other partners will set up a special fund pool to provide guarantees for borrowers. The maximum amount of mutual aid is 3 million yuan and the longest loan period is one year. It needs to be operated continuously for more than two years. Require no less than 65,438+00 applicants to jointly pay the deposit to form a special fund pool to provide guarantees for all lenders.

The advantages of CITIC Bank's loan products are as follows:

1, unsecured, relying on the risk mitigation fund pool to solve the guarantee problem;

2. Enlarge the credit line and allocate a credit line 3-8 times that of the cash pool;

3. Risk sharing, batch application and group development;

4, flexible use of funds, live within our means, as you borrow.

4. What kinds of loans does CITIC Bank have? What are the benefits of each variety?

If it is a housing loan, it is appropriate to lower it now. % 15 mortgage loan mainly depends on your loan purpose.