The grace period of CITIC Bank's credit card is as follows: If the cardholder is unable to repay due to special circumstances under the normal use of the credit card, CITIC Bank will automatically provide a three-day grace period service according to the regulations. However, it should be noted that the cardholder must repay the loan before 8 pm on the last day. If the repayment is not made after 8 pm, it will be overdue. If it is overdue, it will be reported to the credit bureau, so it is necessary to repay it in time.
If users want to apply for a credit card, no matter which bank, they need to meet the following basic processing conditions.
1. Credit card applicants should be 18-60 years old and legal citizens with full civil capacity in China;
2. The credit status of the credit card applicant is good, and there is no record of serious overdue repayment;
Credit card applicants should have a stable income.
Generally, users who meet the above conditions can apply for a credit card at the bank. However, if users want to apply for credit cards such as gold cards and discount cards, they need to meet the special regulations of the bank. For example, if they apply for a gold card, their income must reach a certain amount before they can apply. Specific circumstances, users can directly ask the handling bank when handling. After deciding to apply for a credit card, credit card processing users can apply for a credit card through bank outlets, bank official website and credit card staff's door-to-door channels.
The specific process is as follows:
1. Apply for a credit card at a bank outlet: users can choose the bank they want to apply for, bring their ID cards directly to the bank outlet, and then tell the bank lobby manager that they need to apply for a credit card. At this time, the lobby manager will give you a credit card application form, fill in the information according to the requirements of the form, then take the number at the number pick-up machine, wait at the counter to take the number, dial your own number, and then go to the counter to hand over the application form and personal ID card to the staff. The staff will handle it for the user. After the submission is successful, you can wait for the audit results.
2. Bank official website: Now all banks have their own official website. Users can visit the official website of their own bank, find the credit card section on the homepage, click Enter, select the type of credit card they want to apply for, submit their application materials according to the page prompts, and then wait for the audit results.
3. On-site handling by staff: Users can call the customer service phone of the bank credit card center and tell them that they need to apply for a credit card, hoping that the staff can assist them. At this time, the bank will arrange the corresponding staff to handle it. They only need to handle and submit the application according to the requirements of the staff.