中信银行提醒：春节期间信用卡消费有窍门

Citic bank remind: during the Spring Festival credit card consumption has a trick

Only a few days from the Spring Festival holiday, and many people in the Chinese Spring Festival travel, such as the preparation plan. Recently, as the Spring Festival approaching, to a bank to deal with business and in the store credit card consumption increased public than ever before. Citic bank remind yantai the credit card cardholder, pay attention to credit card use some common sense, during the Spring Festival ahead credit card repayment plan, reasonable use a credit card consumption during the festival.

Timely repayment guarantee credit

If during the Spring Festival the need for reimbursement words, suggestion, in order to avoid the advance payments for part of the bank's business offices during the Spring Festival the short closing affect normal reimbursement, so as to affect personal credit record. Citic bank staff said that during the Spring Festival for the credit card payment business, in addition to the bank outlets to counter the payments, credit card cardholder can be used several common way self-help reimbursement, mainly including: bank card signed a contract to be automatic transfer payments, personal net reimbursement, hairpin go automatic deposit machine reimbursement, telephone bank transfer payment, payment on BaoWang reimbursement, self-help intelligent terminal reimbursement or interbank ATM reimbursement.

The large amount of consumption temporary mention the forehead

During the Spring Festival because businesses launched a variety of preferential or high consumption rebate activities, attract many cardholder during the festival need big brush calorie of consumption. When the amount of credit card can't meet the holiday consumption demand, the cardholder can ask issuer submit an application for a temporary increase credit limit. Citic bank staff told reporters that if cardholder during the Spring Festival require temporary increase line, can advance on credit card hairpin done our customer service hotline at the application center of credit card issuer, generally according to the cardholder's daily consumption records and the information such as credit record, and consider the customer's actual demand, the amount for temporary increase a certain limit. But for most of the credit card of bank of speaking, a temporary increase in the line of credit consumption after can be in installment reimbursement.

Consumption abroad remittance for reimbursement

If cardholder need to exit consumption, can advance to the issuer customer service confirm consumption abroad such as limit demand. At the same time, the card holder in the foreign merchant consumption, to confirm whether the merchants to accept the credit card or single pen consumption is limited. Such as overseas merchants without credit card limit but out of the credit card, card holder should contact issuer customer service. Citic bank staff also special remind cardholder, if you have foreign currency consumption, shall confirm the credit card payments in a credit card purchase automatic repayment function has been opened and use, in order to avoid deposit RMB cannot automatically to buy foreign exchange payment reimbursement cause failure. If any advance open credit card purchase automatic repayment function, can generally be take counter purchase for reimbursement, net purchase for reimbursement or telephone purchase for reimbursement and payment mode.