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CITIC Bank UnionPay Standard Credit Card

CITIC Bank UnionPay Standard Credit Card

Xiaobian reviews

Up to 3,000 kinds of gifts can be redeemed, and air miles can also be redeemed
  • Credit card spending enjoy double pointsCredit card spending enjoy double points
  • Up to 1,000 yuan flight delay insuranceUp to 1,000 yuan flight delay insurance
  • SMS notificationChina CITIC Bank Credit Card Trading SMS Notification
apply immediately

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  1. grade:Gold card
  2. Currency:RMB
  3. annual fee:200 RMB Free card spending or cash withdrawal once in the current month (unlimited amount) Free from the first year, then credit card spending or cash withdrawal for the first year (unlimited amount) for no annual fee, and so on

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: Gold Card consumption or withdrawal of RMB 1 or HK$ 1 integrable 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, enterprises with independent legal personality, administrative institutions, military units, social organizations, and other economic organizations authorized by legal entities may use the information issued by the People's Bank of China to issue an opening permit and other information to card issuers. 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: Copy of the applicant's (primary and subsidiary) identity documents; proof of work, such as a photocopy of a work permit stamped with the company's official seal or the original work certificate issued by the entity; proof of financial resources, such as the original proof of income issued by the unit, or Original bank deposit certificate, bank copy of payment record showing the applicant's name, or copy of income tax deduction certificate, or copy of self-owned property certificate.

Special privileges

Card privilege

  • Credit card spending enjoy double pointsCredit card spending enjoy double points

    Cardholders can receive double points for credit card purchases. Points can be redeemed for a variety of gifts to choose from.

  • Up to 1,000 yuan flight delay insuranceUp to 1,000 yuan flight delay insurance

    1,000 yuan flight delay insurance: cardholders ordering tickets through designated channels, Gold Card delayed 4 hours / Platinum Card delays 2 hours free of charge for flight delay insurance, insurance up to 1000 yuan.

Related costs

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 are subject to 5% penalty, minimum charge is 20 RMB/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

Instalment rate:
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  • 2.4%4.8%8.76%13.5%18%

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Card Friends Reviews
  • 45587
  • 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.
  • 12283
  • 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. Once 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
  • 5454
  • 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! !
  • 5002
  • 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!
  • 5988
  • After using CITIC for a full year, various attempts were made to understand the system of CITIC. Let me talk about the situation of my card, the main brush Taobao V gold, the amount of the next card 25K, Gang Pu mentioned 33K (just over 12 bills), but the actual amount of credit card is 143K (this amount has been reached in advance) . How did I achieve The premise must be a new cash outflow (Note: The new cash is the cash instalment business provided by China CITIC Bank) (see here do not think that the above 143K credits are all piled up by the new cash, look at the last figure What is a number?) Assume that for a 20,000 card, there is a new 40,000 cash advance, that is, a total of 60,000 credits outside the limit. step one After a few days on the billing date, use 1-2 million new cash, assuming 15,000 (don't use all of the quota out). The number of periods 1-3 is assumed to be divided into 3 periods. (Do not exceed six issues. The number of issues involves the number of compliances and the second new fast-track issue. Absolutely, it cannot have too many periods.) As the new fast cash is used outside of the quota, the system will immediately raise the temporary quota. The total credit line is 20,000 yuan + 15,000 yuan = 35,000 yuan. The temporary validity period of CITIC is generally one month, that is, it will not expire until the next billing date. Then, before the next billing date, use up the amount of the fixed amount and wait for the bill. Step two After the bills came out, due to the basic brushing of the fixed amount, at this time, the system appears to the customer to have two possibilities, A risk customer B high potential customers. Therefore, at this time, it is necessary to repay the loan in full and wait until after the repayment of the loan (every other day), and then borrow another 15,000 new cash. At this point, the status of the card is: all the available amount of solid, the new cash outside the limit is now = 4-1.5 +0.5-1.5 = 1.5, the total credit line = 2+1.5-0.5 +1.5 = 4.5. Then continue to empty the fixed amount before the next bill and wait for the bill. Step three After the bills came out, they returned the full amount and waited for the account. At this time, if the condition of using the card is good, a new line will be issued outside the second limit, and it will not matter if it is not backed out. Because the new express line outside the limit is still available, you can continue to use it. At this time, the new express line outside the limit is 4-1.5+0.5+0.5-1.5+0.5=2.5, and the total credit line is 4.5-0.5-0.5=3.5. Therefore, the new express line must use at least 15,000 to achieve a breakthrough of 3.5. Total credit, continue to raise the amount. Step four In this way, it will always be a cycle. In normal circumstances, it should be at least a second new currency, and the total credit line (solid + temporary) will always increase. After waiting a few months, two features will be discovered: A. After the bills are repaid, the amount of new repayments for each period that should have been recovered by the system will not be reclaimed but will remain in the available quota, ie, the total credit line will no longer be reduced with the new quick repayment. B. With the original borrowing money can only be used up to the cash withdrawal limit, but suddenly it will share with the new cash limit, that is, how many new cash advances, there can be many corresponding loan funds, including within the credit limit and credit limit. At this time, the basic accomplishment will be achieved. The new cash out of the quota will actually have all (or most of them) in the form of a temporary amount converted into a credit card, which can be swiped out. The 143K card denomination in the above picture is just like this. How long is the validity of the temporary limit? The above method converts the temporary quotas out of the quotas into new ones that are valid for a period of time. The expiration may be recovered by the system. This matter is in fact well solved: Because according to the rules of the Chinatrust system, if a new cash advance is used before the temporary balance expires, the date of the temporary limit will be covered by the new current repayment period and will be extended automatically. Therefore, it is only necessary to use a small amount of new cash before the temporary expiration. In addition, if there is more than one temporary, the temporary early expiration will automatically extend the temporary expiration. For example, a 10,000 interim 4.1 expires, and another 20,000 interim 5.1 expires. Then after 4.2, the 10,000 pen will not be recovered by the system and will continue to be retained. to sum up The use of new and quick cash out-of-the-money provisioning features has repeatedly pushed up the total credit limit. The full repayment allows the system to determine the cardholder’s ability to fulfill the contract, so that the system can eventually qualify for the amount of credit outside the card. When necessary, you can use the loan-with-loan function to quickly increase the number of cardholders' performance (with the minimum amount of borrowing money for 7 days) With the use of multiple balances, the automatic expiration of the first maturity is followed by the expiration, and the function of automatic extension of the amount to follow the new expiry date is maintained. Although the above method was made by mistake, it is now basically convinced. At present, there are N pens, totaling more than 70,000 (not counting new cash payments). The last one that expires is on April 9th. In the morning, we just made a new 10,000-year-old cash, and then we called customer service. After confirmation, after 4.9, all temporary withdrawals will not be made and will continue until the next billing day (4.20). The outstanding new cash is about 4 totals of 35,000, and all the next bills are due. According to the rules of the CITIC system, after the new bill is due to expire, the amount can be transferred to the fixed amount. Then, is it possible to directly mention 143K from the current 33K or close to it? This is the only remaining problem. Now. . . . As mentioned above, the total number of temporary credits in the map is a few temporary stacks. Except for the 4.9 expiry date, the others have expired prematurely, but they are not recovered but are still superimposed on the total amount. Therefore, wait until the expiry date expires. 4.8, send a text message, suggesting that the amount will expire tomorrow, immediately call the customer service, confirm again, the amount will not be recovered, customer service said no. 4.10. The preemption card space was found to be back to 25K, and the available credit has exceeded the limit of more than 60,000. (General mentioned 33K, but because there are still a few new express lines have not yet returned the last period, before the new express line is settled, the raised solid amount will be temporarily frozen and cannot be used, so the card limit is still 25K) Immediately switch to the quota adjustment page. Sure enough, there are temporary adjustments that can be adjusted immediately. See below. The amount is re-adjusted to the maximum amount of authorization. Why 135K instead of 143K? Because there was a new round of 8K, the repayment on the same day (not yet credited) immediately came out in a new fast way, so at that time it immediately rose, but the new 8K was not converted to temporary Therefore, after the account was booked, the total authorization limit was reduced by 8K. In this way, this adjustment can only jump to less than or equal to the total authorized amount. Therefore, this test verifies that the temporary CITIC can continue indefinitely. In addition, it can be added that there are two characteristics in the amount of credit that can be converted into a credit card. There is actually one more feature: For example, the current credit card 20K, the current period is still a new fast is 10K, the new fast fee 300 Then the total bill for the current period is 20000+10000+300=30300, and the minimum repayment amount is 20000*5%+10000+300=11300 If the new amount of cash outside the limit is converted into a temporary limit, the minimum repayment amount will become (20000+10000+300)*5%=1515 In other words, the new fast cash and handling charges are no longer included in the minimum repayment, and they can also be the lowest.

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