CITIC Bank Yanka Series IC Card - Red Card
Xiaobian reviewsThe quota increases quickly and the loan is safe
Scan code collar APP card red envelope
Annual fee policy: Open the card for the month of purchase or cash withdrawal once (free amount) from the first year of free, in the first year and then credit card spending or cash withdrawal five times (unlimited) from the annual fee, and so on
Integral rules: Purchasing or cash withdrawal is 1 yuan for 1 point Gold card spending or cash withdrawal for 1 dollar for 2 points
Validity of points: The valid period is 1-2 years. The valid period for the last day of the billing year is 1 year. The valid period for the first day is 2 years.
Cash out: The maximum cash withdrawal rate is 30%, the cash withdrawal fee is 2% of the cash withdrawal amount, and the minimum domestic charge is 20 yuan.
The minimum repayment ratio: 10%
Interest-free period: The shortest 20 days, the longest 50 days
SMS notification: China CITIC Bank Credit Card Trading SMS Notification
Lost card guarantee: CITIC Bank Credit Card can enjoy lost card protection service before the loss of 48 hours, 4 yuan per month
Application conditions: All natural persons who have full capacity for civil conduct may apply to the card issuing institution for the CITIC Credit Card Personal Card Master Card on the basis of their valid identity documents and other documents required by the card issuing institution. For companies that have opened a basic account in a financial institution in China, an enterprise with independent legal personality, an administrative institution, a military unit, a social organization, or other economic organization authorized by a legal person may use the information such as an account opening permit issued by the People's Bank of China to issue the card issuing institution. Apply for CITIC official card. The qualifications of the civil service card holders shall be specified and revoked in written form by the legal representative of the unit or its authorized agent. Each unit can apply for more than one official card.
Application materials: 1. Copies of the applicant's (primary and subsidiary) identity documents; 2. Proof of work, such as a copy of a work permit stamped with the company's official seal or an original work certificate issued by the company; 3. Financial support documents such as: The original proof of income, or the original bank deposit certificate, or a bank copy of the applicant's name on behalf of the payroll record, or a copy of the income tax deduction certificate, or a copy of the own house certificate.
Cash out: The maximum cash withdrawal rate is 30%, the cash withdrawal fee is 2% of the cash withdrawal amount, and the minimum domestic charge is 20 yuan.
Repayments: The minimum repayment amount is 10% of the monthly bill, 0.05% of the daily rate
Liquidated damages: Repayments below the minimum repayment amount will be subject to 5% penalty, minimum charge 20 yuan/2 USD/20 HKD/2
Over-limit fee: Over 5% of credit limit
Overpayment fee: The amount of money deposited exceeds the amount owed, 0.3% when taken out
Loss report fee: 40 yuan
Renewal fee: 15 yuan
- Phase 36 issues12 issues18th issue24th issue
There are many cases where credit card applications have been rejected by banks, but the reasons for rejection are tens of millions. How do you deal with them if you have been denied credit card applications? The Xiaobian article has been rejected for CITIC Bank's credit card application and summarizes some points. I hope to help you successfully apply for the card. The reason for the rejection of the application card 1 The working period is not half a year In general, CITIC Bank's standard for the approval of credit cards is that it takes more than half a year to work or live, etc. If you do not, the bank may feel that your current work and life are not stable enough. 2 Insufficient monthly income In order to prevent cardholders from failing to make repayments on schedule, CITIC Bank places great emphasis on materials that demonstrate stable income, such as salary flow, and should be as large as 3,000 yuan or more. If your salary is cash, you can use the bank card transaction record for more than six months to prove. 3 Bad credit record The tainting of credit information is an irregular bomb. If it is not very serious, CITIC Bank may open its doors. If a severe overdue record is generated, it is normal for credit card applications to be rejected. Therefore, it is necessary to protect their credit records. The secret of successful application 1 Find out why the application was rejected Under normal circumstances, CITIC Bank credit card applications are rejected because the overall score is insufficient, then we can analyze their own information from all angles to find out the most likely reasons for optimization. 2 The submitted materials are comprehensive and accurate It is normal for an incomplete application to be rejected. It is better to fill in the information on the application form. The more comprehensive, the more beneficial, and the less suitable for packaging. 3 Choose the right kind of card There are many types of credit card issued by China CITIC Bank. If the condition of applying for a card is not very good, please use the following card for the purpose of choosing a card recommended by the card or the bank. For example, the public commentary joint card, Taobao joint name card, CITIC "Yan" series of credit cards. 4 Pay attention to answer the call China CITIC Bank does not conduct a telephone call back for each Shen card holder, but the bank must make sure to receive the phone call, and can complete the Q&A well. Missing calls may result in rejection. 5 Apply to go bank official channels Liars are now hard to defend against, and black agents are pervasive. If you apply online, you can use the official website of CITIC Bank or the official WeChat, mobile banking, and a third-party agency officially authorized by CITIC Bank; the entity can apply directly to the bank counter; if you pass the salesman, you can It is necessary to have a basic judgment in order to avoid dereliction, data theft and other issues.
Before Xiaobian successively issued several articles on CITIC Yanka, but there are still many small partners who ask questions in the background about the rights and interests. This time, I specially brought this CITIC Yan card from the application card to the use of the card process. Part 1. Yan Ka card full introduction Yan card is divided into two paragraphs, seven-color Yanka and Yanka custom models. Seven-color Yanka uses seven solid colors as the background color to match the patterns of different elements, with different styles. Another set of customized models is also divided into many series, including attitude cards, cute cards, zodiac cards, life cards, and the newly launched constellation cards. The application is very simple. After you have selected your favorite card, apply for some relevant materials and wait for approval. Part 2. You can't miss the approval of the new account after successful approval. You will receive the card sent by the card center. Along with the card, there will be card information and card guide. After you get the card, you can go to the nearest The counter sign on the activation card. You can use it after activation, but if you already have other CITIC credit cards in your name, you won't be a new user and you won't be able to receive a new account. The new Hushen Shen card page is written to the official website to receive the collection platform, its practical PC side to open the Yan card page, click on the gift to receive Raiders, you can jump directly to the collection page, do not have to go to the official website to find the entrance, fill in the information verification code Yes, the gift will be sent to the billing address. Yan Jia's two series of new accounts is also different, seven-color Yan card is a pen, custom card is a headset. It should be noted that this activity is currently on the official website to write a card and open a card before December 31, 2017. If 60 days is accumulated within 199 months, you can collect a total of 399 yuan. Then the question arises, how to look at your own transaction count without counting points, please ask the card friends to watch the next part~ Part 3. Those years in which you did not make good use of your rights to enter this most important part, we need an essential tool, that is, the official APP of CITIC Credit Card - dynamic card space. Download Registration After login, we first solve the problem of the integral query, because Yinca is also an integral part of the online transaction, so basically you will have points when you use it. Open the dynamic card space, click on the "service" below, the upper right corner shows total points, more than 399 can follow the process of the last part to receive a new account! Then come to enter the wool stage! Let's talk about the wonderful 365 activities without a threshold. In fact, many card friends will miss this or do not know. Under the "Brush Offer" category on the home page, enter the 365 highlights, click on the location to see all the discounted merchants and detailed offer details, you need to remind everyone to pay attention to some of the discount is a chain of businesses, but also pay attention to the specific rights and interests of the stores, Some offers are for designated stores. Highlights: Highlights 365 and 9 below share these two benefits and enjoy them only twice a month. Then 9 shares, the entrance is in the bottom of the "equity", the threshold of access to equity is simply to brush the full set of types of merchants 3, each must be over 299 yuan, you can get an interest. Get 6 times with 6 strokes, and so on. In fact, do not care about what merchants they are spending, as long as the access to the equity page, reach the trading threshold will automatically display the number of available, very smart. 9 Sharing Starting at 10:00 each day, there are a large variety of convertibles, and catering deals are the majority, but the hottest ones have to be quick. Besides Daddy Pizza Hut and several popular single items, others are easily exchangeable, including Youku. VIP monthly card and other very real rights. Key Note: The redemption rights acquired will only be retained until the 5th of the following month, and the serial number after successful exchange is only valid for 7 days. Be sure to remember to use it. 9 yuan to enjoy this part is a bit small and complex, you can focus on the screenshots! The same entrance is shared with 9 and the number of redemptions is automatically displayed. After entering, click on the online selection to see the cooperation of the cinema, movie offers in two forms, one is a price, this concession consumer threshold is full of 2999 instant, 29 yuan to see 2D movies, 3D movies 39 yuan, had to Say this price is comparable to the activity price of many ticketing platforms. A price of 2D can enjoy two, 3D can only buy a one-price ticket, the second is not to enjoy a price, but it is also a discount price. 9 yuan to enjoy, then you need to spend 3999, 2D movie 9 yuan, 3D movie 19 yuan, but 9 yuan enjoy to see whether 2D or 3D can only enjoy a fare discount. There is also a very practical aviation delay insurance that can compensate for 1,000 yuan in 4 hours. The long delays in flying this year are also very common, and there are also many ticketing platforms that can enjoy this payment. Everyone can go to the “Insurance Services” of “Services” to view the list of platforms. Part 4. The Raiders summary Although Yanka relied on his face to eat, it was not a credit card with a large proportion of those rights and interests. But earnestly bowing, everyday wool is just as essential. The key is not to stand up to the good looking parents, optional card version. Such a beautiful card, stamp the original can choose a ~ Yan card: https://creditcard.ecitic.com/shenqing/yan/index.html?sid=SJYKRWTG1 Yanka Customization: https://creditcard.ecitic.com/shenqing/yan_x/index.html?sid=SJYKRWTG1
Before the land continued to send several articles about my use of Yancai's various cautions, but every time I posted, there were many card members who asked me questions about rights and interests. In line with the common progress and the attitude of the advanced god, Ben Leifeng specifically gave everybody a hint on the use of rights and gifts in all aspects of the process from the application of the card to the use of the card, and tried to cover every aspect. Hopefully, Card Friends can be useful! Part1. Yanka card full introduction There are actually two kinds of Yanka, seven-color Yanka and Yanka custom models. Seven-color Yanka uses seven solid colors as the background color to match the elements of different patterns, cool and lovely fresh. There is also a customized version of my office, custom models are also divided into a number of series, my wave belongs to the attitude card, and the rest there is a cute card life card, recently appeared to be on the line of the constellation card. The application is very simple. After you have selected your favorite card, you can apply for some relevant information immediately and you can wait and approve. Before you look at many cardmates, you say that you are old and rejected. Xiao Bai’s answer to this question is... Part2. You can't miss the approval of the new account after the successful application of the card. You will receive the card sent by the card center. Along with the card, there will be two pieces of information on the card information and the similar card guide. Then you can go Find Miss Elder's Counter to sign the activation card! At the time when my face was signed, the counter lady reminded me that I had a new account and I could remember it. About the new Huli many card friends also asked me to apply, in fact, super simple The page is written to the official website to receive the collection, its practical computer to open Yanka's page, click on the gift to receive Raiders, you can jump directly to the receiving page, do not have to go to the official website to find the entrance, and then fill in the information verification code On OK, the gift will be sent to the billing address. What you have to say is that if your name already holds other CITIC credit cards, it will not be a new account. You will forget this prize. It is said that Yan Jia’s two series of new accounts are also different. The seven-color Yan card is a pen and my custom card is a headset. It should be noted that this activity is currently on the official website to write a card and open a card before December 31, 2017. If 60 days is accumulated within 199 months, you can collect a total of 399 yuan. (Scribe key to knock the blackboard!! The students remember the notes!!) Then the question is, how to look at your own transaction count without counting points, please card friends then look at the next part Part3. In those years when you did not make good use of the right to enter this most important part, we need an essential tool, that is, the official love of the credit card of CITIC Credit Card - dynamic card space. Download Registration After login, we first solve the problem of the integral query, because Yinca is also an integral part of the online transaction, so basically you will have points when you use it. Open the card space, click on the "service" below, there will be your total points in the upper right corner, more than 399 can follow the process of the last part to receive a new account! The first wool AIDS ~ Then come to enter the wool stage! Let's talk about the wonderful 365 activities without a threshold. In fact, many card friends will miss this or do not know. Under the "Brush Offer" category on the home page, enter the 365 column, click on your location to view all the discounted merchants and detailed offer details. If you need to remind everyone that some offers are chain stores, but also pay attention to the rights and interests. The specific stores available, some of which are used by designated stores. Key notes: Exciting 365 and 9 below share these two benefits and enjoy it only twice each month. Then there are a lot of people who care about the 9 share exchange, the entrance is in the bottom of the "equity", the threshold for obtaining the interest is simply to brush the full 3 types of merchants in the specified type, each must be over 299 yuan, you can get a rights and interests. Get 6 times with 6 strokes, and so on. In fact, you don't need to worry about which merchants you are spending, because as long as you enter the equity page, reaching the trading threshold will automatically display the number of available times, it can be said to be very smart. 9The score is 10 points per day. There are a lot of things that can be exchanged, and the catering discounts are the majority, but the hottest ones have to be quick. Besides Daddy Pizza Hut and a few hot items, the others are easily exchangeable. Including Youku VIP monthly cards, this is also a very real interest. Key Note: The redemption rights acquired will only be retained until the 5th of the following month, and the serial number after successful exchange is only valid for 7 days. Be sure to remember to use it. 9 yuan to enjoy watching this part is a bit small and complex, but it is also very easy to use, the students pay attention to listening! The same entrance is shared with 9 and the number of redemptions is automatically displayed. However, after the consumer threshold for watching movies enters the online selection, they will be able to see the co-production theater. There are two forms of movie offer, one is a price, and the discounted consumption threshold is 2999, and 29 yuan is 2D. The film, 39 yuan for 3D movies, has to say that this price is comparable to the price of many ticketing platforms. But a price of 2D can enjoy two, 3D, then you can only buy a one-price ticket, the second one does not enjoy a price, but it is a discount price, and we can look at my screenshots. 9 yuan to enjoy, then you need to spend 3999, 2D movie 9 yuan, 3D movie 19 yuan, but 9 yuan enjoy to see whether 2D or 3D can only enjoy a fare discount. There are also screenshots, but all in all are cheaper than other platforms. Finally entered the last part of this part, I code code exhausted. This part is an aviation delay insurance that I find very useful. It can compensate for 1,000 yuan in 4 hours. No one has experienced several long delays in this year’s flight, and there are also many ticketing platforms that can enjoy this payment. Everyone can go to "Services" in "Insurance Services" to see the list of platforms. Part4. Raiders summary of the main code finished these are almost exhausted ... In fact there are many hidden welfare eggs, but I have not had time to develop one by one, as a white, can only help Xiaobai here. The card friends have the experience you can use to share it out. If you are useful to everyone, I hope you can give me a double-click 666 to ease the keyboard pain! !
Although high-end cards are good, they are not easy to apply, and the cost of ownership and management is relatively high. Therefore, not everyone is keen to play high-end cards. Among the friends who are concerned about pomegranate, many of them are young people who have just started working. The time spent on cards is not long. The most wanted to use and use is the practical consumption of wool. A friend gave a message to pomegranate and hoped to recommend several gold cards. The selection of daily consumption of the Kimpka is still a principle that is to keep up with their own consumer needs. You can analyze your daily consumption structure, which is more costly, according to your own spending habits to choose the appropriate cashback or discount card. In fact, in recent years, banks have also consciously subdivided card types, and have increasingly refined product features, rights and benefits, and preferential designs. On the one hand, they can better meet customer needs. On the other hand, multi-category products are also subdivided. It is easier to quell customers. In the opinion of Pomegranate, several banks of CITIC, Pudong Development Bank and China Merchants Bank have done quite well in this area. In the past two years, a number of new cards have been introduced. Among them, CITIC is more pragmatic, the product is more grounded gas, given the rights and benefits are also very attractive. This article, Pomegranate Jun push 3 CITIC Gold Card, 3 cards in the supermarket, fuel, take-out, overseas and other aspects, the wool is rich. Supermarket Card - CITIC Carrefour Co-branded Card In many cities, Carrefour is the only choice for offline shopping. CITIC actually issued a card jointly with Carrefour many years ago. The former Pukaka face is an iconic blue, and it is a UnionPay + VISA dual-currency card. I believe we all have the impression. The old card main offer is 5% cash back on every Wednesday and Saturday. The current CITIC Carrefour co-branded card has been upgraded. For the UnionPay single-currency card, the card surface has also become more black, and the most important is that the main concession has been changed to “returning 5% consumer money every day”. (1) Every day, return 5% of the consumer's gold. Each day in the Carrefour store, you can spend a single purchase of 99 yuan, and you can return 5% of the consumer's income. The maximum per person per month is 100 yuan. (2) Free Parking Carrefour reserves the right to free parking privileges for designated stores. (3) On the 18th of each month, the monthly full amount is set aside at random. The monthly spending on the 18th at the Carrefour store is a single spending of 128 yuan, a random reduction of 10-30 yuan, and a limited amount, limited to one person per month. (4) Fundamental rights Carrefour member price + double card double points + VIP exclusive cash register channel. (5) New account ceremony Before March 31, 2018 (inclusive), the first Carrefour in-store transaction within 60 days of the new card will be paid for 100 yuan, and will receive 100 yuan in consumer money or equivalent in-kind gifts. Fuel card - CITIC Standard car owner card on the fuel card, before the pomegranate Jun wrote an article, mainly compared the safe owner, the people's livelihood car, Yi Xin car owners joint card several fuel cards, we can step back and review the "buy it? ? Come back cash, free car wash ... Which is the best car owner card? 》 CITIC two fuel cards, standard owners and Yi Xin joint name, the two card refueling cash back proportion is the same. Returning to the CITIC Standard Car Owner Card, it is a safe and secure car owner’s standard card, and the annual fee standard is the same. First look at the rights and benefits (1) 8% refueling gold return reward January 1, 2018 to June 30, 2018, every natural monthly trading volume, to the oil station credit card transactions, Gold Card can enjoy refueling transaction amount of 8% Return rewards, the monthly limit of 80 yuan, a limited amount. Up to 960 yuan per year. This core interest is basically equal to the number of safe car owners. Relatively speaking, CITIC enjoys even more discounts (9 sharing, 9 yuan watching movies, etc.). (2) 0 yuan car wash January 1, 2018 to June 30, 2018, each month to meet the three 399 points transactions, have the opportunity to enjoy 1 / month 0 yuan car wash service, a limited amount. (3) 1,000 yuan / 4 hours flight delay insurance. (4) New households can enjoy 5,000 yuan/48 hours of stolen brush insurance. The annual fee is 200 years. The old customers will be charged with the annual fee for the first year, and the brush will be written for 5 times a year. New customers will be entitled to the annual fee for the first year of the card purchase or cash withdrawal. Takeaway + Overseas - CITIC Baidu Financial Co-branded Cards CITIC Baidu Financial Co-branded Cards are UnionPay + VISA Cards, UnionPay, VISA Vertical, and the two cards have different core interests: UnionPay cards pay 3% cash back for Baidu wallets; VISA The card is 10% cash back overseas. UnionPay Card (1) Baidu Wallet pays 3% cash back on a single-day cash rebate of RMB 10, with a single month limit of RMB 100. (2) The new account privilege card can bind to Baidu Wallet within 60 days and trade freely through Baidu Wallet to obtain a 50 yuan Baidu Wallet cash coupon. (3) 1,000 yuan / 4 hours flight delay insurance. VISA Card (1) Overseas 10% cash back March 31, 2018 (inclusive) Before the new customer took the VISA route overseas, you can enjoy 10% cash back, and the current limit is 100 USD per month. (2) 1,000 yuan / 2 hours flight delay insurance. How do you like the above three cards?
A few years ago, we received the WeChat push from CITIC, and it was a strong new Amica! The girlfriend was instantly captured by the Palace Card. I also had to work with her to get a Leica. It's really special and it doesn't look like an ordinary credit card. My girlfriend's present palace card laughed me. Maybe she thought she had taken this card. Real card to get a hand quite texture, there are weight, see the design is gone. The black gold color scheme of this palace card is very advanced, and the girlfriend said she is a special haha for her. Leica has two card versions. I have chosen red, and there are gold powders in the golden words. Do not know if we both pulled out this card, will not shock the cashier, ha ha ha. It has been heard that the Yanka customized version has a particularly good texture, and it feels like it does. Like domineering card friends can consider one, and we just like to join together to show love can also haha!
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