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CITIC Bank Meeting Tim cash rich credit card

CITIC Bank Meeting Tim cash rich credit card

Editor Comments

Transaction, repayment of points can be cashed Gifts]
  • 2 times on weekdays, 4 times more points on birthday, and up to 1 times more on cashback repayments2 times on weekdays, 4 times more points on birthday, and up to 1 times more on cashback repayments
  • Car Roadside Assistance ServicesCar Roadside Assistance Services
  • Provide over 300 domestic experts in the field of medical specialties, teaching health counseling servicesProvide over 300 domestic experts in the field of medical specialties, teaching health counseling services
apply immediately

Sweep collar collar APP to do card red envelopes


CITIC Bank Meeting Tim cash rich credit card
  1. platinum Card
  2. UnionPay
  3. RMB
  4. annual fee:Premier card master card ...
    First year rigid collection, ...
CITIC Bank Meeting Tim cash rich credit card
  1. Gold card
  2. UnionPay
  3. RMB
  4. annual fee:200 yuan
    Transaction free annual fee

Annual fee policy: Rigid first year, the following year can be redeemed points

Points rules: Puka consumption or cash withdrawal 1 yuan product 1 gold card consumption or cash withdrawal 1 yuan product 2 points double birthday bonus

Credits expiry: Valid 1-2 years, the last day of the bill is valid for 1 year, the first day of validity of 2 years.

Cash and cash: The highest cash withdrawal ratio of 30%, cash withdrawal fee is 2% of the cash, the lowest domestic charges 20 yuan

Minimum repayment ratio: 10%

Interest-free period: The shortest 20 days, the longest 50 days

SMS notification: CITIC Bank credit card transactions SMS notification

Lost Card Security: CITIC Bank credit card can enjoy 48 hours loss report before the loss of card security services, charge 4 yuan per month

Application conditions: All natural persons with full capacity for civil conduct may apply to CIQ for the main card of CITIC Credit Card with their valid ID card and other documents required by the issuer. Any enterprise, administrative institution, army, social organization or other economic organization authorized by a legal person who has opened a basic account with an independent legal entity in China with a financial institution may use the information such as an account opening permit issued by the People's Bank of China and other information to the issuer Apply for CITIC business card. The qualification of official card holder shall be designated and canceled in writing by the legal representative of the unit or the entrusted agent. Each unit can apply for multiple business cards.

Application materials: 1. The applicant (primary, ancillary card) a copy of identity documents; 2. Work documents, such as: stamped with the official seal of the work permit or original proof of work issued by the unit; 3. Financial documents, such as: units issued Of the original proof of income or original bank deposit, or showing the applicant's name on behalf of the bank on behalf of the payroll records, or a copy of income tax withholding certificate, or a copy of its own copy of real estate license.

Exclusive privileges

Card privilege

  • 2 times on weekdays, 4 times more points on birthday, and up to 1 times more on cashback repayments2 times on weekdays, 4 times more points on birthday, and up to 1 times more on cashback repayments

  • Car Roadside Assistance ServicesCar Roadside Assistance Services

    An unlimited number of car road rescue services are provided free of charge. If you have trouble driving, you can enjoy an unlimited number of free car rescue services nationwide with CITIC Platinum Card.

  • Provide over 300 domestic experts in the field of medical specialties, teaching health counseling servicesProvide over 300 domestic experts in the field of medical specialties, teaching health counseling services

    Call Platinum VIP line appointment required medical department, after the appointment is made by the appointment of experts at the appointed time to call you to answer various health problems.

Related costs

Cash and cash: The highest cash withdrawal ratio of 30%, cash withdrawal fee is 2% of the cash, the lowest domestic charges 20 yuan

Repayment: The minimum repayment amount is 10% of the current month's bill, 0.05%

Liquidated damages: Repayment of less than the minimum amount of part of the required payment of 5% liquidated damages, the minimum charge of 20 yuan / 2 US dollars / 20 Hong Kong dollars / 2 euros

Overrun fee: More than 5% of credit limit

Overdraft fee: Deposited amount exceeds the amount of arrears, when removed by 0.3%

Report loss: RMB 40 (free of charge card fee)

Card fee: 15 yuan

Staging rates:
  • 3 period6 issues12 issues1824 issues
  • 2.4%4.8%8.76%13.5%18%

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Friends comment on the card
  • 44375
  • Credit card applications rejected by the bank there are many cases, but rejected for tens of millions, if you encounter a credit card application rejected, how to deal with it? Xiao Bian for the application of credit card CITIC Bank was rejected, summed up a few points, I hope for your success card Shen help. Shen card rejected the reason 1 Working years not more than half a year In general, CITIC Bank's credit card approval criteria require more than six months in terms of time involved in work or residence, and if not, banks may feel that your current job and life are not stable enough. 2 The monthly income is not enough In order to avoid cardholders can not repay on time, CITIC Bank attaches great importance to prove that the steady income of materials, such as wage and water, as much as 3,000 yuan. If your salary is cash, you can use more than six months of bank card transactions to prove. 3 Bad credit records If the credit card is not smuggled, CITIC Bank may open a network. If there is a serious overdue record, then the credit card application is rejected normally. Therefore, we must protect our own credit history. The secret of success card 1 Find out why the application was rejected Under normal circumstances, CITIC Bank credit card applications are rejected due to the overall score is not enough, then we can from all angles to analyze their information and identify the most likely reason to optimize. 2 Submitted materials are comprehensive and accurate Incomplete application is rejected is very normal, the application form information, all filled as well, the more the more the more favorable, not the appropriate packaging. 3 Choose the right card type CITIC Bank issued a lot of credit card species, if their own Shenkaoshou conditions are not very superior, the following card for the purpose, choose Puka or bank recommended card. For example, public comments on the joint card, Taobao joint card, CITIC "Yan" series of credit cards. 4 Pay attention to answer the call CITIC Bank will not make a telephone return visit to every cardholder, but the bank must make sure to receive the call, and can well complete the question and answer, which may result in missed. 5 Apply to go to the bank's official channels Now liar is impossible to guard against, black intermediaries are pervasive, the net application of the words from the official website of China CITIC Bank or the official WeChat, mobile banking, CITIC Bank official authorized third-party agencies; entities can go directly to the bank counter to apply; if the clerk through himself There must be a basic judgment to avoid being fooled and stolen of data.
  • 12081
  • Before Xiaobian sent several articles about CITIC Yan card, but there are still many small partners in the background questions, on the rights and interests of the issue. This time specifically brought this CITIC Yan card from Shenka to the process of using the card on the rights and the gift of the Raiders come together up posture! Part 1. Yan Kaka surface full introduction Yan Yan is divided into two sections, seven Yan Yan and custom Yan Yan models. Seven-color Yan with seven kinds of solid colors to do with different elements of the pattern, different styles. Another set of custom models is also divided into many series, including the attitude card, cute card, Lunar New Year card, life card and the recent new online card constellation. Application is very simple, selected the favorite card face immediately apply for some relevant information to wait for approval. Part 2 Shenkaoka successful you can not miss the new household ceremony approval will be received after the card center card sent together with the card there is a card information and card guide to get the card you can go to the nearest Counter sign activation card. After activation can be used, but if the name already holds other CITIC credit card is not new, can not receive a new gift. On the new household registration card page is written to the official website to receive the platform to receive, in fact, use the PC side to open the Yan page, click the gift to receive Raiders, you can jump directly to receive the page, do not have to go to the official website to find entrance, fill in the information verification code Yes, the gift will be sent to the billing address. Yen series of two new family ceremony is also different, seven color Yan is a pen, custom card is a headset. It should be noted that this activity is currently on the official website to write the card before December 31, 2017 and open card, 60 days, that is, within two months cumulative points transaction over 399 yuan can receive. Then the question came, how to see their own transactions did not count the points, please click on the next card friends part ~ Part 3. We need an indispensable tool to get into this most important part of the rights that you did not make good use of these years. That is the official APP-card space of CITIC Credit Card. Download Register Login, we first solve the problem of points inquiry, because Yan cards are also online transactions points, so basically you use it will have points. Open the card space, click on the bottom of the "service", the upper right corner shows the total points, more than 399 can follow the previous part of the process to receive a new gift! Then come into the wool stage! First, say the wonderful 365 activities without threshold, in fact, many of the card friends will miss this or do not know. In the home page of the "brush" under the classification, into the wonderful 365 columns, click on the location you can view all the discount merchants and detailed discount rules, you need to remind you that some discount is the chain merchants, but also pay attention to the rights and benefits of the specific store, Some offers are for designated stores. Key notes: Wonderful 365 and the following 9 shares of these two rights and interests, enjoy only twice a month. Then there is 9 shares of the entrance, at the bottom of the "rights", the threshold of access to equity is simply that the specified type of business brushing 3 pen, each must be full 299 yuan, you can get a right. Get 6 times to get 2 times, and so on. In fact, do not care what you consume in the business, as long as the rights and interests into the page, the threshold of the transaction will automatically show the number of available, very smart. 9 share to start every day at 10 o'clock, rich variety of convertible, dining concessions accounted for the majority, but the popular have to spell speed, in addition to Star Papa Pizza Hut and a few popular items, the other are easy to convert to, including Youku VIP monthly card and other very real rights and interests. Key Notes: The exchange of rights and interests obtained only retained on the 5th of the following month, and after the successful exchange string code is only valid for 7 days, we must remember to use Oh ~ 9 yuan to enjoy this part of a little bit complicated, you can focus on screenshots! And 9 shares of the same entrance, also automatically shows the number of convertibles. After entering the online click to select the seat can see the cooperation of the cinema, there are two forms of film concessions, one is a price, the concession is 2999 to enjoy the full threshold of spending 29 yuan to watch 2D movies, 39 yuan 3D movies, had to Said that the price is comparable to the price of a lot of ticketing platform activities. A price of 2D can enjoy two, 3D words can only buy a price ticket, the second one does not enjoy a price, but also the price. 9 yuan to enjoy the words need to spend 3999,2 D movie 9 yuan, 19 yuan 3D movie, but 9 yuan to enjoy regardless of 2D or 3D can only enjoy a fare concessions. There is also a very practical part of the aviation delay insurance, delay 4 hours can compensate 1,000 yuan. This year a long flight delay is also very common, and you can enjoy this payment platform for the sale of a lot of votes, you can enter the "service" of "insurance services" in the list of platforms. Part 4. Raiders Although Yan Yen is to rely on the face to eat, not less than those with a large proportion of credit card. But earnestly, every day wool is likewise indispensable. The key is that people can not stand look good, optional card version is rich. Such a nice card, the original text can choose to stamp a ~ Yan card: https://creditcard.ecitic.com/shenqing/yan/index.html? Sid = SJYKRWTG1 Color Card Custom Edition: https://creditcard.ecitic.com/shenqing/yan_x/index.html?sid=SJYKRWTG1
  • 5353
  • Before and after the series made a few about my use Yan cards of all sorts of careful, but every time there are a lot of post card Ask me questions on the rights and interests ah gifts in this area. In the common progress, the attitude of the advanced gods, the Lei Feng specifically for everyone to do a CITIC Yan card from Shenka card to card process on the use of rights and gifts in all aspects of the Raiders, try to cover every aspect of the hope that Card friends can be useful! Part1. Yan Kaka surface full Yan Yan introduced in fact there are two kinds of color Yan Yan and Yan custom card models. Seven color Yan with seven kinds of solid colors to do with different elements of the pattern, cool and lovely have fresh. Another is that I do the custom models, custom models are also divided into a lot of series, my waves belong to the attitude card, the rest there are cute animal card Zodiac card life card, recently seemingly on the line of the constellation card. Apply is very simple, selected the favorite card surface immediately after the application to fill in some relevant information you can wait for approval ~ Before looking at a lot of card friends that they are rejected, white I can not answer this question ... Part2. The successful card you can not miss The new household registration will be received after the approval of the card center card, along with the card there is a card information and similar card guide two sheets of paper, and then you can go Check the counter small sister face sign activation card! At that time, I finished the interview after the counter is a small sister to remind me to have a new account can apply, I remembered it. Many new friends on the card also asked me how to apply, in fact, super simple The page is written to the official website of the receiving platform to receive, in fact, use your computer to open Yan page, click on the gift to receive Raiders, you can jump directly to receive the page, do not have to go to the official website to find entrance, and then also fill in the information verification code OK, the gift will be sent to the billing address. To say that if the name already holds other CITIC credit card is not new, you will forget this prize ~ To say that the Yankees two series of new ceremony is also different, seven color Yen is a pen, my custom card is a headset. It should be noted that this activity is currently on the official website to write the card before December 31, 2017 and open card, 60 days, that is, within two months cumulative points transaction over 399 yuan can receive. (Planning key blackboard !! Students remember good notes !!) So the question came, how to see their own transactions, no points, please click on the next card part friends ~ Part3. In those years you did not make good use of the rights to enter this most important part, we need an essential tool, that is, the official love of credit card asshole - mobile card space. Download Register Login, we first solve the problem of points inquiry, because Yan cards are also online transactions points, so basically you use it will have points. Open the card space, click on the bottom of the "service", the upper right corner will have your total points friends, more than 399 can follow the previous part of the process to receive a new gift! The first wool bother ~ Then come into the wool stage! First, say the wonderful 365 activities without threshold, in fact, many of the card friends will miss this or do not know. In the home page of the "brush" under the classification, into the wonderful 365 column, click on your location will be able to view all the discount merchants and detailed discount rules, caring as I need to remind you that some discount is a chain of businesses, but also pay attention to the rights and interests Specific store available Oh, some concessions are used by designated stores. Key Notes: Wonderful 365 and the following 9 shares to enjoy these two rights, only enjoy twice a month Oh ~ Then there is a lot of people care about the 9 shares of the entrance at the bottom of the "rights", the threshold of access to equity is simply that the specified type of business brushing 3 pen, each must be full 299 yuan, you can get once rights and interests. Get 6 times to get 2 times, and so on. In fact, do not care what you consume in the business, because as long as you enter the equity page, reaching the threshold of the transaction will automatically display the available times, can be said to be very smart. 9 share exchange is 10 o'clock every day, a lot of convertible things, catering concessions accounted for the majority, but the popular have to spell the speed, in addition to Star Papa Pizza Hut and a few popular single product, the other are easy to convert to, Including Youku VIP monthly card of these, is also very real rights. Key Notes: The exchange of rights and interests obtained only retained on the 5th of the following month, and after the successful exchange string code is only valid for 7 days, we must remember to use Oh ~ 9 yuan to enjoy this part of the little bit complicated, but quite easy to use, students pay attention to listen! And 9 shares of the same entrance, also automatically shows the number of convertibles. But watching the movie after the threshold of consumption into the Click on-line seat selection will be able to see the cooperation of cinemas, there are two forms of movie concessions, one is a price, the preferential consumption threshold is full 2999 that enjoy, 29 yuan to see 2D Movie, 3D movie 39 yuan, have to say that this price is comparable to the price of a lot of ticketing platform activities. However, a price of 2D can enjoy two, 3D words can only buy a price ticket, the second one does not enjoy a price, but also the price, and you can look at my screenshot. 9 yuan to enjoy the words need to spend 3999,2 D movie 9 yuan, 19 yuan 3D movie, but 9 yuan to enjoy regardless of 2D or 3D can only enjoy a fare concessions. There are also screenshots, but in short are cheaper than other platforms. Finally entered the last part of this part, code word I am exhausted. This part is the aviation delay insurance that I find very useful. It can compensate for 1,000 yuan for 4 hours delay. Who have not encountered a long delay in the plane this year, ah, ah, and can enjoy this compensation ticket platform not less You can enter the "service" "insurance services" in the list of platforms. Part4 Raiders Summary Landlord code End these almost exhausted ... In fact, there are many hidden benefits egg, but I have not had time to develop one by one, as a white, can only help you white here. What is the use of card friends can share ideas out ah ~ If you are useful then I hope you double-click the old iron 666, to comfort me keyboard bitter! !
  • 4093
  • WeChat push received CITIC years ago, Amway has been a strong new Yan card! Girlfriend instant moment captured by the palace card, but also to me and her to do a 朕 card. It is indeed very special, not like a general credit card. My girlfriend's house card chuckled me, maybe she thought she took this card is Zhen Huan it haha. Real card to get quite a hand texture, but also weight, see the design is a go heart. The palace card black gold color is very high, girlfriend said she is such a button 祜 lu Zhen Huan special ha ha. There are two card version 朕 card I chose the red, gold, there are still gold powder, luxurious atmosphere on the grade. Do not know if we both pulled out this card, will the cashier shocked, ha ha ha. Have always heard Yan custom color version of the texture is particularly good, get the hand feel really. Like domineering card friends who can consider a piece, like us and make a show of loving can also haha!
  • 5786
  • CITIC used a full year, all kinds of attempts, finally a bit to understand CITIC's system. Let me talk about the situation under my card, the main brush Taobao V gold, the next card limit 25K, just mention 33K (exactly over 12 bills), but the actual amount of credit card is 143K (this amount has been reached in the Cape before) . How did I achieve this? (Note: New Express is the cash staging business provided by CITIC Bank) (See here do not think 143K above the line all rely on the new fast cash pile up, take a look at the last of the figure A number is how much) Suppose a 20000 card, 40,000 new foreign fast cash, that is, a total amount of 60,000 in the quota. step one A few days after the bill day, the first fast use of 1-2 million fast cash, assuming 15% (do not use all the quota outside). Periods 1-3, assuming three points. (No more than 6 issues, the number of issues related to the number of compliance and the second issue of the new fast cash, absolutely can not be too many). Since the new fast cash out is the amount of priority within the amount of the use, so the system will immediately put a temporary limit, the total credit limit = 20,000 + 150,000 Pro = 35,000. CITIC's temporary validity period is generally 1 month, that is, the amount will not expire until the next bill. And then in the next bill day, the amount as much as possible to run out, such as the bill. Step two Billing out, as a result of the basic brush finished solid, then the system appears to have two possible customers, A high risk customers B potential customers. So, at this time to full repayment, and other repayments recorded (the next day), and then borrow 15,000 new fast cash, divided into three, once again raised. At this point the status of the card: the amount of all available, the amount of new fast cash = 4-1.5 + 0.5-1.5 = 1.5, the total credit limit = 2 +1.5-0.5 +1.5 = 4.5. And then continue to empty the money before the next bill, and other bills. Step three Bills out, once again full, and so on. At this time if the card before the situation is good, will be out of the second line of the new line, did not point out, it does not matter, because the amount of the new express line there, you can continue to use. At this moment, the new express line outside the quota is 4-1.5 + 0.5 + 0.5-1.5 + 0.5 = 2.5, and the total credit limit is 4.5-0.5-0.5 = 3.5, so the new express line needs to use at least 15,000 to break through 3.5 Total credit, continue to upgrade the temporary amount. Step four It has been so cycle, under normal circumstances, should be at least a second new fast cash, while the total credit limit (solid + Pro) will continue to rise. A few months later, you will find two characteristics: A. After the bill has been repayd, the amount of the new fast cash repayments that should have been recovered by the system will not be reclaimed. Instead, the new credit will be retained in the available credit limit. That is, the total credit limit no longer decreases with the new express repayments. B, with the original gold can only be used up to the cash withdrawal limit, but suddenly and the new fast quota will be shared, that is, how many new fast cash, you can have the corresponding how much money, including the amount and the amount outside. At this time the basic is done, the new quick cash outside the quota, the actual has all (or most of) in the form of temporary amount converted into a credit card available amount, you can credit card sets out. The above figure in the 143K card face quota, it is so come. The duration of the temporary limit is how long The above method will convert the amount of new fast outside the temporary quota is valid, the expiration may be recovered by the system. This matter is actually a very good solution: Because according to the rules of CITIC System, before the expiration date, if the use of the new fast cash, then the temporary amount of the new date will be covered by the repayment period, automatically extended. So, as long as the temporary expiration before the pen with a small new quick cash it. In addition, if there is more than one temporary, the early expiration of the interim will be automatically extended to follow the expiration of the provisional. For example, a sum of $ 10,000 temporary 4.1 expires, another 20,000 temporary 5.1 expires, then 4.2, 10,000 will not be recalled by the system, continue to retain. to sum up The use of new fast forex automatically temporary features, repeatedly pushed up the total credit limit. The full repayment allows the system to determine the cardholder's ability to perform the contract so that the system can eventually authorize the new KuaiCai quota. When necessary, you can take advantage of borrowing gold features, quickly increase the number of cardholder's compliance (with a minimum gold 7 days a period) With multi-pod status, the first expiration automatically extends the expiration of follow-up, and the debit automatically extends the function of following the expiration of the new express, always keeping the decks. Although the above method was mistakenly made out, but now you can basically believe the establishment. At present there are N temporary, a total of more than 70,000 (not even the new fast part), the last expiration of a temporary April 9, just made a morning of 10,000 new fast cash, and then call customer service Confirmed, 4.9, all will not be recovered temporarily, will be extended until the next bill day (4.20). The new fast cash is about 4 pen total of 35,000, all the next bill due. According to the rules of CITIC system, the next bill expires to the new fast cash is over, you can transfer the amount of temporary allowance, then, is not directly from the current 33K mentioned 143K or close, this is the only remaining problem It's . . . As mentioned above, the total number of cards in the chart is the sum of the provisional allowances. Except for the expiration of 4.9, the others have already expired but have not been withdrawn yet and have been added to the total amount. So, wait patiently for your current amount to expire. 4.8, sent a text message, prompting the temporary amount will expire tomorrow, immediately hits customer service, reconfirmed, temporary amount will not be recovered, customer service said no. 4.10, getting into the card space card space available available back to 25K, the available limit has more than 60,000. (General mentioned 33K, but because there are still a few new lines left the last period did not return, the new line before the settlement, the upgrade will be temporarily frozen solid, unable to use, so the card amount or 25K) Immediately switch to the amount of adjustment page, and sure enough, there are temporary can be adjusted immediately adjusted. See below. The quota is readjusted to the maximum authorized amount. Why 135K instead of 143K? Because there was a new fast cash of 8K, the repayment day (not yet accounted for) and quickly come up with a new fast way, so the temporary immediate upgrade, but the 8K's new fast now did not change to temporary , So after accounting, the total authorized amount reduced by 8K, so that when this temporary, can only jump to less than or equal to the total authorized amount. Therefore, this test verifies CITIC's temporary continuation can be unlimited. In addition, it can be added that before converting quotas into new cards, there are two characteristics of the available quotas. In fact, there is one more feature: For example, the current credit card 20K, the current need to be new fast now is 10K, the new fast cash 300 Then the total current bill is 20000 + 10000 +300 = 30300, the minimum repayment amount is 20000 * 5% + 10000 +300 = 11300 And if the amount of the new fast is converted into a temporary limit, then the minimum repayment amount will become (20000 + 10000 +300) * 5% = 1515 In other words, the new fast cash and fees are no longer included in the full amount of the minimum repayment, the same can be also the lowest.

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