How to use CITIC credit card overdraft consumption, cash withdrawal can be

CITIC credit card has always been high credit limit, fast issuance of cards by the card users, the choice of cards is also very rich, such as CITIC standard card, owner card, magic card, Yan card series card, platinum card and so on. So, how do you apply for a CITIC credit card? Together with the look.

One, consumer overdraft

1, POS consumption

Credit cards are mainly the following five card organizations: China UnionPay, VISA, MasterCard, American Express, JCB, the cardholder can be based on the CITIC credit card card on the card issuer's logo, POS card consumption.

2, online consumption

First of all, you need to open the credit card UnionPay secure payment function, the credit card can be tied to Taobao, Jingdong, payment package, WeChat and other third-party payment platforms to make transaction payments. But if you want to raise the credit card limit, the network transactions try not to be too much.

3, physical merchant consumption

Online "eat, drink, play and shop", as long as the merchant supports credit card payment, the cardholder can use CITIC credit card brush consumption.

Second, credit card cash withdrawal

Cardholders can obtain cash through the official channels provided by CITIC Bank, such as bank counters, ATMs, and CardSpace APP, but the amount of cash withdrawn by CITIC Bank credit cards does not enjoy interest-free treatment, and requires a certain amount of handling fees and interest on the cash withdrawn.

Three, credit card rights and benefits to enjoy

CITIC credit card how to use, overdraft consumption, cash withdrawal, rights and benefits to enjoy, the full use of credit cards not only to bring their own consumption convenience, to cope with the economic predicament, the key is that it can also help you save save money!

How do I use my credit card?

After the credit card has been issued, the customer activates the card and can then go to shopping malls, department stores, supermarkets, and restaurants and entertainment venues to spend money, as long as the merchant has a POS machine.

On top of that, customers can also bind their credit cards to WeChat or Alipay and spend money online. E-commerce platforms like Taobao Tmall, Jingdong, and Suning Tesco have a number of contracted merchants that support credit card payments.

And the credit card has a cash withdrawal function, so customers can also withdraw their credit limit to use. However, it is important to note that some credit cards have a cash withdrawal limit of only 50% of the credit limit, so customers can only withdraw half of the limit for use.

You also need to note that credit cards often have a lot of rights and benefits, such as many platinum cards have high-speed rail, airport VIP lounge services, as well as various types of food and beverage, hotel discounts, afternoon tea service and so on. And credit card spending can also accumulate points, and then the points can be used to redeem gifts, airline miles and so on.

Of course, customers must remember to repay on time after swiping the card to avoid late behavior. Otherwise, the credit card is likely to be frozen, making it impossible to use it again.

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How to use China Merchants Bank credit card benefits

You can check through the APP.

Open the Palm Life APP, click on the "My" button, you can see the top of the registration and login button, the first time you need to register to log in, you can set up your own login password, you can log in after the registration is complete.

After logging in, you can see "Card Manager" on your personal page, click to enter.

After entering the "Card Manager" interface, there are some common menu bars at the top: one key to open the card (applicable to credit cards just applied for, the first activation can be accessed through this portal); one key to lock the card (when the credit card is lost or stolen and other emergencies, you can access this portal to lock the card, the card will not be able to consume the card after being locked); the new card listing (mainly the new card); the new card listing (mainly the new card). ); new card listing (mainly the new cards launched by China Merchants Bank); cardless payment (mainly involves some offline consumption, need to use the credit card to bind a specific payment device); the main functions as mentioned above.

All the credit cards that you have processed under your own name will be displayed on the Card Manager function page, find the card you need to check, and click on it to enter the operation interface of that card.

How to see what interests credit cards can choose these ways

When applying for a credit card many users are attracted by the card itself has the rights and interests, these rights and interests can allow users to use the credit card to save more money, so how to see what interests credit cards have? In fact, the easiest way to check is to log on to the official website of the bank to which the credit card belongs, and find the credit card you want to apply for in the credit card channel, at which point you can know all the rights and benefits.

It's worth noting that the credit card contains benefits that are generally time-limited and must be used within a specified period of time, and many of these benefits are subject to quota requirements, which need to be understood clearly in advance. Then there is the credit card has the rights and interests can also call the bank customer service hotline to inquire.

Daily in the use of credit card benefits should be consulted in advance of the relevant stores can be used, because some of the stores to provide the rights and interests of the number of limitations, if the other card users to use up, then the user to the store is not available, in order to avoid the subsequent appearances, be sure to consult clearly in advance.

And then there is the user to apply for credit cards do not apply because of the rights and interests, after all, contains the rights and interests only for a period of time, this time to pay attention to the characteristics of the credit card itself, such as the percentage of cash withdrawals, the card level, the annual fee, etc., which apply for a credit card, it is best to choose the annual fee reduction, to avoid the subsequent occurrence of the deduction of the annual fee.

Daily users can compare between different banks when applying for credit cards containing benefits, and then choose the one that is most favorable to them. When applying for a credit card, you can do so through the bank's counter, the bank's official website, or cell phone banking, etc. Among them, applying through the bank's official website can get you a credit card faster, and you can usually get it in about thirty days.

Lastly, you must repay your credit card on time after spending money on it, and you can't afford to be late, because you will be penalized for being late, and the longer the time, the more you will be penalized for being late. In fact, the credit card can not be returned on time when you can use the installment repayment or minimum payment, so you can effectively avoid overdue. The use of credit card installment return can also be returned early to save the expense of handling fees.

How do credit cards work?

How to use a credit card:

1. Appropriate use: credit cards are consumed before repayment, the user does not need to pre-deposit, you can go directly to shopping malls, movie theaters, and other major places, pay by credit card. (Jing Xiang said card A)

2. On time repayment: users use credit cards to produce a bill, to repay before the expiration of the next month's repayment period, you can choose to repay in installments.

3. Pay attention to the special offers: credit cards will be launched from time to time special benefits activities, users can receive preferential benefits.

4. Points redemption: Credit card points can be used to redeem corresponding gifts.

The introduction of how to use credit card benefits will be chatting here.