Introduction of credit card types of CITIC Bank

The credit cards of CITIC include Puka, Gold Card, Platinum Card, Titanium Card, World Card and Unlimited Card.

Puka is the lowest credit card grade of CITIC Bank, and the credit limit of credit card is between 0- 10000, usually not higher than 10000 RMB.

The amount of gold card is slightly higher than that of Puka. Generally speaking, CITIC Bank will grant a gold card only if the applicant already holds a Puka and has a good record of using the card. The credit line is generally between 10000-50000 yuan.

Platinum card is a very advanced credit card issued by China CITIC Bank, and the card approval amount is usually between10-100000.

The special products of CITIC Bank, such as Titanium Card, World Card and Unlimited Card, are mainly aimed at high-end users and can enjoy the supreme services and rights provided by the bank, and the quota is usually higher than that of Platinum Card.

CHINACITICBANK, formerly known as CITIC Industrial Bank, was founded in 1987 and renamed at the end of 2005. CITIC Bank is one of the national commercial banks in China, with its headquarters in Beijing.

The major shareholder is China CITIC Company Limited. Bancobilbaovizcaya Argentaria (S. Abbva) spent 5.065438 billion euros (about 5.02 billion Hong Kong dollars) to buy a 5% stake in CITIC Bank, or it may choose to increase its shareholding in CITIC Bank to 10.07%. On April 27th, 2007, CITIC Bank was listed on the Shanghai Stock Exchange. CITIC Bank is the seventh largest bank in Chinese mainland, with total assets exceeding HK$ 65,438+0,200 billion, * * * employees exceeding 65,438+0,600 and more than 540 branches. It is one of the six banks and three guarantees for Chinese financial stocks in Hong Kong.

On May 9, 2020, the Consumer Protection Bureau of the China Banking Regulatory Commission reported that in March, 2020, CITIC Bank provided personal bank account transaction details to a third party without the authorization of the customer himself, which violated the principle of confidentiality for depositors. Our bureau will start the investigation procedure in accordance with relevant laws and regulations and investigate and deal with it strictly according to law.

At the end of 1984, with the need of economic development, Mr. Rong Yiren, the chairman of China International Trust and Investment Corporation (hereinafter referred to as CITIC Corporation), wrote to the Central Committee specifically, requesting to set up a bank under CITIC Corporation to fully operate foreign exchange banking business. With the consent of the People's Bank of the State Council and the People's Bank of China, we will set up a banking department to expand foreign exchange banking business and do a good job in preparation.

1In April, 1985, CITIC Company established the Banking Department on the basis of the former Finance Department, and further expanded the comprehensive banking business such as external financing, foreign exchange trading, loan issuance, international settlement, financial leasing and deposit absorption.

1986 at the end of may, citic company applied to the people's bank of China to reorganize the banking department of citic company into citic industrial bank.

At the beginning of 1987, CITIC Bank was formally established with the approval of the People's Bank of the State Council and China. Headquartered in Beijing.

1In April, 1987, the People's Bank of China approved CITIC Bank as a state-owned comprehensive bank, a subsidiary of CITIC Company, with independent legal personality. The registered capital is 800 million yuan. Self-management, independent accounting, self-financing. You can set up branches at home and abroad to operate approved banking business.

The Difference between Gold Card and Platinum Card of CITIC Bank Credit Card

Differences between Platinum Card and Gold Card of CITIC Bank;

First, the amount is different: the minimum amount of CITIC Bank Platinum Credit Card is generally 50,000 yuan, and the better the qualification, the higher the amount; The amount of gold card is between 6,543,8+0,000 and 50,000 yuan.

Second, the annual fee is different: the annual fee of the Platinum Card of CITIC Bank is generally higher than that of the Gold Card, and the Platinum Card usually does not participate in the annual fee-free policy, while the Gold Card can often reduce the annual fee by swiping the card for a certain number of times.

Third, the rights and interests are different: Platinum credit cards can often enjoy more rights and interests, such as aviation accident insurance protection and higher card loss protection.

There are eight credit cards of CITIC Bank, namely Puka, Gold Card, Titanium Card, Platinum Card, Black Gold Card, Diamond Card, Unlimited Card and World Card.

Which is better, a gold card or a platinum card?

First of all, I can tell you responsibly that platinum is definitely good. However, I will write you the conditions and benefits of two cards below. Gold card: Processing: Apply with ID card and deposit 200,000 yuan for 3 months. (You can't use it within 20W months) Offer: Enjoy the business VIP channel. There is a discount on the handling fee for gold card transfer and remittance. Platinum card processing: deposit 500,000 yuan first for 3 months. Other benefits are the same as the gold card: First, enjoy the VIP channel to handle business, and if there is a gold card owner, handle the business of a platinum card owner first. Second, after reaching a certain integral. Enjoy the VIP access at the airport. Third, there is also a discount for the transfer and remittance fee of Platinum Card.

Differences in application conditions: Generally speaking, banks will award gold cards to high-quality customers. In addition to meeting the basic requirements for applying for a credit card, people with an annual income of more than 400,000 yuan are more likely to get a gold card. Platinum card is the card issuer.

As far as ICBC is concerned, the significance of platinum card is far greater than that of gold card. There are various preferential rates, such as transfer fee, replacement card loss reporting fee. The annual fee is generally around 2000, and the investment amount of a gold card may be larger than that of a platinum card. The advantage is that the annual fee can be reduced if you spend 5 times a year or spend more than 5000 yuan.

What are the dual-currency credit cards of CITIC Bank? This suits you best.

In order to attract customers, major banks are constantly issuing new credit cards every year, and at the same time, in order to meet the needs of different groups of people, they have launched dual-currency and single-currency credit cards. Then, do you know what are the dual-currency credit cards of CITIC Bank? Which is better for a dual-currency card?

What are the dual-currency credit cards of CITIC Bank?

CITIC Bank's dual-currency credit cards mainly include: CITIC MasterCard Standard Platinum Card, CITIC Air China Phoenix Credit Card, CITIC IHG? There are co-branded cards, CITIC Air China UnionPay credit card (platinum card), CITIC VISA standard platinum card, CITIC co-branded card, etc.

Which is better for CITIC Bank's dual-currency credit card?

1. A card suitable for business trip: CITIC Air China Phoenix Companion Credit Card.

Reasons for introduction: If you book air tickets through established channels and travel at home and abroad by international and domestic flights, you can get flight delay insurance for free, and the maximum compensation for flight delay of 4 hours is 1 1,000 yuan; CITIC Bank's 24-hour free accident hospitalization medical insurance; Per consumption 15 yuan cumulative 1 Phoenix accompanying mileage.

2. A card suitable for travel: CITIC Yilong co-branded card.

Reason for introduction: the first brush won 6000 E Long membership points; The hotel provides preferential accommodation, "buy 10 for free1"; 24-hour global free traffic accident insurance.

3. A card that can enjoy distinguished service: CITIC VISA standard platinum card.

The above is the introduction of CITIC Bank's dual-currency credit card. I hope it works for you.

How many kinds of credit cards does CITIC Bank have?

* * * has the following contents:

CITIC UnionPay Standard IC Credit Card Gold Card (UnionPay)

China CITIC Bank Taobao Credit Card Puka (UnionPay)

China CITIC Bank Standard Credit Card Gold Card

China CITIC Bank QQ Caibei Credit Card Gold Card (UnionPay)

China CITIC Bank Carrefour Joint Credit Card (VISA)

CITIC Tencent QQ Co-branded Card Member Edition Gold Card (UnionPay)

CITIC UnionPay Standard IC Credit Card Puka (UnionPay)

China citic bank QQ caibei credit card Lankapuka (unionpay)

CITIC Taobao Co-branded Card Gold Card (UnionPay)

China CITIC Bank Standard Credit Card Puka (MasterCard)

CITIC Tencent QQ Credit Card Relief Puka (UnionPay)

CITIC Eastern Co-branded Credit Card Gold Card (VISA)

CITIC SF Co-branded Credit Card Gold Card (VISA)

China CITIC Bank QQ Game Co-branded Credit Card Gold Card (UnionPay)

China CITIC Bank I Card (College Student Card)

China Southern Pearl CITIC Credit Card (Purple) Puka (UnionPay)

China CITIC Bank UnionPay I Platinum Card (UnionPay)

China CITIC Bank Platinum Credit Card (UnionPay)

China CITIC Bank Rancap Card (Blue)

CITIC Huitianfu cash treasure Credit Card Gold Card (UnionPay)

Which card should I use for CITIC Bank's credit card?

Citic unionpay standard IC credit card universal card; CITIC Bank Q enjoys the gold card of the joint-name card; CITIC Bank UnionPay Bojinka; Citic Taobao co-branded credit card (V version). These four credit cards of CITIC Bank are rich in rights and interests and easy to operate.

Credit card is a credit certificate issued by commercial banks or credit card companies to qualified consumers.

Two, the form of credit card is a card with the name of the issuer, the validity period, the number, the name of the cardholder and other contents printed on the front. [1] Consumers with credit cards can go to special commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.

Third, the earliest credit card appeared at the end of 19. In the 1980s, the British clothing industry developed the so-called credit card, followed by the tourism and business sectors. However, at that time, the card could only be used for short-term commercial credit, and the money had to be paid back as needed. There was no long-term default and no credit line. In 1950s, McNamara, an American Manhattan credit expert, dined in a restaurant. Because he didn't bring enough money, he had to ask his wife to send money. This made him feel embarrassed, so he organized DinersClub (English: Diners Club). Members can bring their dining charge cards to 27 designated restaurants for consumption without paying cash. This is the earliest credit card. Franklin National Bank was the first bank to issue credit cards, and other American banks followed suit.

It is said that one day, Frank McNamara, an American businessman, entertained guests in a restaurant in new york. After eating, he found that he forgot to bring his wallet. He was deeply embarrassed and had to ask his wife to bring cash to the restaurant to settle the bill. So McNamara came up with the idea of creating a credit card company. 1 In the spring of 950, McNamara and his friend Schneider jointly invested110,000 US dollars to establish DinersClub in new york, the predecessor of Diners Credit Card Company. Diners' Club provides members with a card that can prove their identity and ability to pay. With this card, members can keep accounts and spend money. This kind of credit card that does not need to be handled by a bank is still a commercial credit card.

Fourthly, another way of saying credit card is that credit card is a non-cash transaction payment method and a simple credit service. Credit cards are generally plastic cards with a length of 85.60 mm, a width of 53.98 mm and a thickness of 65,438+0 mm, which are issued to cardholders by banks or credit card companies according to users' credit and financial resources. Cardholders do not need to pay cash when using credit cards, and make repayment on the checkout date. Except for some credit cards combined with financial cards, credit cards are different from debit cards and ATM cards, and credit cards will not directly deduct money from users' accounts. 20 12 February, the bank confirmed that the credit card is safer without password, and if it is stolen, it will share the responsibility with the bank. Enjoy an interest-free period of 25-56 days (or 20-50 days). Credit card consumption enjoys an interest-free period, and the bill amount is paid off before the due repayment date, without any cost. There is no interest-free repayment period for cash withdrawal, and five ten thousandths of daily interest will be charged from the date of cash withdrawal, and the bank will also charge a certain percentage of cash withdrawal fee.

What's the difference between several credit cards of CITIC Bank?

CITIC Bank currently has the following credit cards:

CITIC Platinum Credit Card

Citic Magic Platinum Card

Citic Star Gold Card

Citic Star Ordinary Card

CITIC American Express Credit Card

CITIC Magic Credit Card (female customers only)

"Air China Companion" CITIC Credit Card

CITIC Tiannv Credit Card

Citic 2006 FIFA

World Cup MasterCard

CITIC I Card (College Student Credit Card)

CITIC southern fund Joint Credit Card

CITIC Coca-Cola Co-branded Credit Card

Citic McCawlin Co-branded Credit Card

CITIC Wonderful Hong Kong Travel Credit Card

UnionPay can be used for installment consumption (within the quota, but now it is not beyond the quota), but you have to go to the hypermarket that provides installment business.

So now

1. The name of the credit card has explained its theme nature. Please choose one for your own use.

2. Do you want a gold card or a general card according to your economic ability.

Gold card and Puka will handle it for you according to your financial certificate. The amount of gold card is higher than that of Puka, and the amount is different.

The introduction of credit card types of CITIC Bank ends here.