China CITIC Bank UnionPay Standard Credit Card
Xiaobian ReviewPoints can be exchanged for more than 3,000 gifts, and can also be exchanged for air miles.
- Swipe your card to enjoy double points
- Up to 1000 yuan flight delay insurance
- CITIC Bank Credit Card Trading SMS Notification
Scan code collar APP card red envelope
- grade:Gold card
- annual fee:200 yuan to open the card in the current month, credit card spending or cash withdrawal (no limit) free of charge for the first year, the first year of credit card spending or cash withdrawal five times (no amount) free of annual fees, and so on
Annual fee policy: Card credit consumption or cash withdrawal (unlimited amount) is free of charge for the first year of the card, and the first year of credit card spending or cash withdrawal five times (no amount) is exempt from the annual fee, and so on.
Points rules: Gold card consumption or withdrawal of RMB 1 or HKD 1 can accumulate 2 points
The validity period of the points: Valid for 1-2 years, the last day of the bill year is valid for 1 year, and the first day is valid for 2 years.
Cash withdrawal: The maximum cash withdrawal rate is 30%, the cash withdrawal fee is 2% of the cash withdrawal amount, and the minimum domestic fee is 20 yuan.
Minimum repayment ratio: 10%
Interest-free period: Minimum 20 days, up to 50 days
SMS notification: CITIC Bank Credit Card Trading SMS Notification
Lost card protection: CITIC Bank credit card can enjoy 48 hours of loss before the card loss protection service, 4 yuan per month
Application conditions: Any natural person who has full civil capacity can apply to the card issuer for the CITIC Credit Card Personal Card Master Card with his valid identity document and other documents required by the card issuer. Any enterprise that has a basic account in a financial institution in China, an enterprise with an independent legal personality, an administrative institution, a military unit, a social organization, or other economic organization authorized by a legal person may, in accordance with the account opening permit issued by the People's Bank of China, issue information to the card issuer. Apply for a CITIC official card. The qualification of the official card holder shall be specified and revoked in writing by the legal representative of the unit or its authorized agent. Each unit can apply for multiple business cards.
Application materials: A copy of the identity document of the applicant (primary and subsidiary cards); proof of work, such as: a copy of the work permit stamped with the official seal of the unit or the original work certificate issued by the unit; the financial proof document, such as the original proof of income issued by the unit, or The original bank deposit certificate, or a copy of the bank's payroll record showing the applicant's name, or a copy of the income tax withholding certificate, or a copy of the self-owned property certificate.
Swipe your card to enjoy double points
Cardholders can earn double points by swiping their credit card, and points can be exchanged for a variety of gifts, you can choose.
Up to 1000 yuan flight delay insurance
1000 yuan flight delay insurance: Cardholders can order tickets through designated channels, gold card delay 4 hours / Platinum card delay 2 hours can get flight delay insurance free of charge, insurance up to 1000 yuan.
Cash withdrawal: The maximum cash withdrawal rate is 30%, the cash withdrawal fee is 2% of the cash withdrawal amount, and the minimum domestic fee is 20 yuan.
Repayment: The minimum repayment amount is 10% of the monthly bill, and the daily interest rate is 0.05%.
Liquidated damages: A repayment of less than the minimum repayment amount is subject to a 5% liquidated damages, and the minimum fee is 20 yuan / 2 US dollars / 20 Hong Kong dollars / 2 euros
Overrun fee: More than 5% of the credit limit
Overdue payment: The deposit amount exceeds the amount owed, and 0.3% is charged when taken out
Loss of charge: 40 yuan
Reissue card fee: 15 yuan
- Phase 3Phase 612 issues18 issues24 issues
long term effective
The event starts at 10:00 am every day, with a minimum of two tickets per order and a maximum of 5 tickets.
There are many cases in which credit card applications are rejected by banks, but there are thousands of reasons for rejection. If you are rejected by a credit card application, what should you do? Xiao Bian This article is rejected for the CITIC Bank credit card application. It summarizes the points and hopes to help you successfully apply for the card. Reason for rejection of Shenka 1 The working period has not been more than half a year Generally speaking, CITIC Bank's criteria for approving credit cards are that it requires more than half a year in terms of work, or place of residence. If it does not, the bank may feel that your current work and life are not stable enough. 2 Monthly income is not enough In order to prevent cardholders from paying back on time, CITIC Bank places great emphasis on materials that prove stable income, such as wages and salaries, as much as 3,000 yuan. If your salary is paid in cash, you can use the bank card transaction record for more than half a year to prove it. 3 Bad credit record The taint of the credit is an untimely bomb. If it is not very serious, CITIC Bank may open the Internet. If a serious overdue record is generated, it is normal for the credit card application to be rejected. Therefore, it is necessary to protect your credit history. The secret of successful application 1 Figure out why the application was rejected Under normal circumstances, the reason for the rejection of CITIC Bank's credit card application is that the comprehensive score is insufficient. Then we can analyze our own information from various angles to find the most likely reason for optimization. 2 The submitted materials are comprehensive and accurate It is normal to reject the application of the incomplete information. The information on the application form is all filled in as well. The more comprehensive the more favorable, the less the package can be properly packaged. 3 Choose the right card type There are many kinds of credit card issued by China CITIC Bank. If the conditions of the card application are not very good, please use the card below for the purpose of selecting the card or the bank recommended card. For example, the public comment joint card, Taobao joint name card, CITIC "Yan" series of credit cards. 4 Pay attention to answering the return call CITIC Bank will not make a telephone call back to every applicant. However, if the bank has a call, it must be sure to receive it, and it will be able to complete the question and answer. The missed connection may result in rejection. 5 Apply to go to the official channel of the bank Now the liar is invincible, and the black intermediary is also pervasive. The online application is from the official website of CITIC Bank or the official WeChat, mobile banking, and the third party authorized by CITIC Bank. The entity can go directly to the bank counter to apply; if it passes the salesman, Have a basic judgment, so as not to be fooled, the data is stolen and so on.
Previously, Xiaobian has published several articles about CITIC Yanka, but there are still many small partners who are asking questions in the background about the rights and interests. This time, I specially brought this CITIC card from Shenka to the card with the use of rights and gifts, and come together! Part 1. The face card of Yankaka is divided into two models, seven-color card and custom card. The seven-color card is made up of seven solid colors with different elements and different styles. Another set of custom models is also divided into many series, including attitude cards, cute cards, zodiac cards, life cards and recently launched new constellation cards. The application is very simple. After selecting the favorite card face, you can apply for some relevant information and wait for approval. Part 2. If you can successfully apply for a new card, you will receive a card from the card center. The card information and card guide will be included with the card. After you get the card, you can go to the nearest place. The counter is signed to activate the card. It can be used after activation, but if you already have other CITIC credit cards under your name, you will not be a new account and you will not be able to receive a new account. About the new household gift card page is written to the official website to receive the platform, its practical PC to open the card page, click on the gift to receive the 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 The gift will be sent to the billing address. The two series of new cards of Yanka are also different. The seven-color card is a pen, and the custom card is a headset. It should be noted that this activity is currently written on the official website before December 31, 2017 and the card is opened. 60 days, that is, within two months, the accumulated points transaction can be received at 399 yuan. Then the question is coming. How do you think that your trading plan does not count points? Please click on the next part~ Part 3. In those years when you have not taken advantage of the rights to enter this most important part, we need an indispensable tool, that is, the official APP of CITIC Credit Card - the mobile card space. After downloading and registering, we will first solve the problem of the point inquiry, because the card is also a network transaction, so basically you will have points when you use it. Open the card space, click on "Services" below, the total score is displayed in the upper right corner. If you exceed 399, you can get the new account according to the previous part process! Then come into the 薅 wool stage! Let's talk about the wonderful 365 activities without threshold. In fact, many card friends will miss this or don't know. Under the “Brush Offer” category on the homepage, enter the wonderful 365 column, click on the location to view all the preferential merchants and detailed preferential rules. You need to remind everyone that some of the offers are chain stores, but also pay attention to the specific stores where the rights are available. Some offers are available at designated outlets. Key notes: Wonderful 365 and the following 9 share these two benefits, only enjoy twice a month. Then there is 9 share exchange, the entrance is in the bottom of the "equity", the threshold for obtaining equity is simply to fill 3 pens in the specified merchant type, each pen must be over 299 yuan, you can get an interest. Get 2 times with 6 strokes, and so on. In fact, you don't have to care about which merchants you are spending. As soon as you enter the equity page, you will automatically display the available number of times when you reach the trading threshold. It is very smart. 9 sharing starts at 10 o'clock every day, the variety of redemption is available, and the food and beverage discounts are the majority, but the hot ones have to fight fast. In addition to the star daddy Pizza Hut and several popular items, the others are easy to redeem, including Youku. VIP month card and other very real rights. Key notes: The exchange rights obtained will only be retained until the 5th of the following month, and the serial number after successful redemption is only valid for 7 days. Please remember to use it~ 9 yuan to enjoy this part is a little complicated, you can focus on the screenshot! Sharing the exchange with 9 is the same entry, and it also automatically displays the number of redemptions. After entering, click on the online selection to see the cooperative theater. There are two forms of movie offers. One is a price. The preferential threshold for this discount is 2999, 29 yuan for 2D movies, 3D movies for 39 yuan. Said that this price is comparable to the price of many ticketing platform activities. A price of 2D can enjoy two, 3D can only buy one price ticket, the second one does not enjoy a price, but it is also a preferential price. If you want to enjoy 9 yuan, you need to spend 3999, 2D movies 9 yuan, 3D movies 19 yuan, but 9 yuan to enjoy watching 2F or 3D can only enjoy a fare discount. There is also a very practical aviation delay insurance, which can compensate 1,000 yuan for 4 hours. Long delays in flying this year are also very common, and there are many ticketing platforms that can enjoy this payment. You can go to the "Services" "Insurance Service" to view the platform list. Part 4. Raiders Summary Although Yanka is eating by face, it is no more than a credit card with a large proportion of equity. But seriously, the daily wool is just as indispensable. The key is that the parents who can't stand can look good, and the optional card version is rich. Such a good-looking card, the original text can be selected ~ Yanka: https://creditcard.ecitic.com/shenqing/yan/index.html?sid=SJYKRWTG1 Yanka Custom Edition: https://creditcard.ecitic.com/shenqing/yan_x/index.html?sid=SJYKRWTG1
I have sent a few more comments about my use of the card in the past, but every time I post a lot of card friends, I ask questions about the rights and gifts. In line with the common progress and the mentality of the advanced god, Ben Leifeng specially made a strategy for all aspects of the use of rights and gifts in the process of applying for the CITIC card from Shenka to the card, trying to cover every aspect, I hope to Card friends can be useful! Part1. Yankaka face full introduction of the card, there are actually two kinds, seven color card and Yanka custom models. The seven-color card is made of seven solid colors with different elements, cool and cute. There is also a custom-made model that I have set up. The custom models are also divided into many series. My wave belongs to the attitude card, and the rest also has the cute card card Zoe card life card. Recently, it seems to be on the line. The application is very simple. After you have selected the card face you like, you can apply for some relevant information and you can wait for approval. Before I saw a lot of card friends, I said that I was rejected. I can't answer this question... Part2. If the new card is approved, you will receive the card from the card center. After the card, there will be a card information introduction and two papers similar to the card guide. Then you can go. Look for the counter lady to sign the activation card! At the time, after I signed the visa, the counter lady reminded me that I could apply for a new family gift. I remembered this. Many new card friends about the new family have also asked me to apply, in fact, super simple The page is written to the receiving platform of the official website to receive, the utility computer to open the page of the card, click on the gift to receive the 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 I want to say is that if you have already held other CITIC credit cards under your name, you will not be a new one. You will forget this prize~ It is said that the two series of new household gifts of Yanka are also different. The seven-color card is a pen, and my custom card is a headset. It should be noted that this activity is currently written on the official website before December 31, 2017 and the card is opened. 60 days, that is, within two months, the accumulated points transaction can be received at 399 yuan. (Strike the key to knock on the blackboard!! Dear students remember the notes!!) Then the question is coming, how do you see your trading plan does not count points, please card friends then look at the next part~ Part3. Those years that you have not used well to enter this most important part, we need an indispensable tool, that is, CITIC credit card official love fart - moving card space. After downloading and registering, we will first solve the problem of the point inquiry, because the card is also a network transaction, so basically you will have points when you use it. Open the card space, click on the "Services" below, you will have your total points in the upper right corner, more than 399 can follow the previous part of the process to receive a new household gift! The first wool is beautiful~ Then come into the 薅 wool stage! Let's talk about the wonderful 365 activities without threshold. In fact, many card friends will miss this or don't know. Under the “Brush Offer” category on the homepage, enter the wonderful 365 column, click on your location to view all the preferential merchants and detailed preferential rules. Intimate, if I need to remind everyone that some of the offers are chain stores, but also pay attention to the rights. Specific stores available, some offers are used by designated stores. Key notes: Wonderful 365 and the following 9 share these two benefits, only enjoy twice a month~ Then there is a lot of people who care about the 9 shares, the entrance is in the bottom of the "equity", the threshold for getting equity is simply to fill 3 pens in the specified business type, each pen must be over 299 yuan, you can get once rights and interests. Get 2 times with 6 strokes, and so on. In fact, you don't have to care about which merchants you are spending, because as soon as you enter the equity page, you will automatically display the available number of times when you reach the trading threshold. It can be said that it is very smart. 9 sharing is starting at 10 o'clock every day. There are a lot of things to redeem. The food and beverage discounts are the majority, but the hot ones have to be hand-in-hand. In addition to the star daddy Pizza Hut and several popular items, the others are easy to redeem. Including such as Youku VIP monthly card, it is also a very real interest. Key notes: The exchange rights obtained will only be retained until the 5th of the following month, and the serial number after successful redemption is only valid for 7 days. Please remember to use it~ 9 yuan to enjoy this part is a little complicated, but it is quite easy to use, everyone pays attention to! Sharing the exchange with 9 is the same entry, and it also automatically displays the number of redemptions. However, after entering the movie, the consumer threshold can be clicked on the online seat to see the cooperative theater. The movie offer has two forms. One is a price. The preferential threshold for this offer is 2999, and 29 yuan for 2D. The movie, 3D movie 39 yuan, has to say that this price is comparable to the activity price of many ticketing platforms. But a price of 2D can enjoy two, 3D can only buy one price ticket, the second one does not enjoy a price, but it is also a special price, you can take a look at my screenshot. If you want to enjoy 9 yuan, you need to spend 3999, 2D movies 9 yuan, 3D movies 19 yuan, but 9 yuan to enjoy watching 2F or 3D can only enjoy a fare discount. There are also screenshots, but in short it is cheaper than other platforms. I finally entered the last part of this part, and I am exhausted by the code code. This part is an aviation delay insurance that I think is very useful. It can compensate 1,000 yuan for 4 hours. This year, whoever has been on the plane has not encountered several long delays, and there are many ticketing platforms that can enjoy this payment. You can go to the "Services" "Insurance Service" to view the list of platforms. Part4. Raiders summary of the main building code, these are almost exhausted... In fact, there are still many hidden welfare eggs, but I have not had time to develop one by one, as a white, can only help you Xiaobai here. Card friends can use the experience to share it~ If you are useful to everyone, I hope that you can double-click 666 to give me the comfort of typing on the keyboard! !
In fact, this is a gift from the sun, because I want to take a gift from others, or I have to call a return. After all, couple T-shirts are going to be exposed to single dogs! I didn't expect to be routined! Ok, let’s go to the CITIC card event I participated in – Because what I did with my boyfriend is CITIC's Yanka couple card, which is the group's domineering [朕 & Palace]. So when I saw a matching T-shirt activity, I was still curious. As a result, these T-shirts of Yanka are very conscience, not the CITIC logo+white T that I thought, and the desire to participate in the event! After all, it’s strange to have two clothes for a piece of praise. (Official map) Then I said that after the T-shirt texture and upper body effect, I will post a recommendation because it is worth it! The kind of value! The clothes were very soft and fit, and I didn't fade when I tried the water. The bronzing on the black back, the real thing is super beautiful! The results of the po out of the map have been eaten by the filter ... Emmm everyone directly to see the official website map, the pro card has no color difference. Now the wardrobe has received a set of lovers, and the activities of the Yanka will continue to pay attention to it later~
First of all, congratulations to my younger college student who has graduated from school and finally graduated into a new little white into the society. Before, he used my dad's deputy card. I bought a text message on my dad's mobile phone. Now I am starting to receive my salary. I can apply for a credit card justifiably. I just graduated from the China Merchants Bank's young card. The card board is similar to the rights and interests. It is introduced to my brother. He doesn't like the "same section" on the street. After seeing the card of the CITIC card, I will like it. The card in the attitude card is really beautiful! We compared the rights and interests, credit card free annual fee, online and offline can count points, shop credit card can be 50% off on Wednesday, mainly with CITIC card can also 9 points against Starbucks, Haagen-Dazs, 9 yuan to watch movies , movie tickets can buy two at a time! The previous rights are quite basic, but the latter two rights are especially liked by my brother, which is very suitable for his 90s who like to eat, drink and play. The batch card speed is very fast, apply for the card for almost a week, and the physical picture of the sun drying hand, the face value of Yanka really has nothing to say~
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- From November 20th, 2014 to December 30th, 2014, you can participate in the lucky draw.
- Instructions:Activity Details
- 1.1 mobile phone numbers can only be used once in a bank
- 2. iPhone6 16g winning users, we will contact you by phone, the prizes will be delivered to you by us after purchasing from the domestic official market.
- 3.10 yuan call fee winner, the call charge will be recharged to your lucky draw phone number within 5 working days.
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- Instructions:Activity Details
- 1. iPhone6 16g winning users, we will contact you by phone, the prizes will be delivered to you by us after purchasing from the domestic official market.
- 2.10 yuan call fee winner, the call charge will be recharged to your lucky draw phone number within 5 working days.
Final interpretation right to 360 all