When users enter the "My Bank Card" area of WeChat, they can see the entrance to apply for CITIC WeChat credit card (the entrance will be opened to users in batches in the early stage). After the user inputs real information such as name, ID number and mobile phone number, it will be examined and approved by CITIC Bank, and the examination and approval results will be known in real time (except for those that cannot be examined and approved in real time due to the credit information system of the People's Bank of China).

When users apply for WeChat credit card, Tencent, CITIC and Zhongan will determine the credit line after risk rating according to the big data capabilities of the three parties. The credit limit of CITIC WeChat Credit Card is divided into three grades: 50 yuan, 200 yuan and 1000-5000 yuan.

After approval, CITIC WeChat Credit Card will be automatically opened and bound to WeChat payment, which can be used in various online and offline shopping scenarios that can support WeChat payment. Users can check the bill through WeChat and repay it conveniently through WeChat.

Extended information: From the date of 20 17 12 1, WeChat Pay will charge 0. 1% (minimum 0. 1 yuan) to users whose credit card repayment amount exceeds 5,000 yuan per natural month, and the part that does not exceed 5,000 yuan per month is still free.

On July 1 day, 2065438, the wechat payment platform Licaitong announced that from August 1 day, 2065438, only members of Licaitong Platinum and Gold will continue to enjoy the free repayment policy, and all users who have fixed the "Love Fixed Investment Plan" to 500 yuan and above will continue to enjoy the free repayment service.

References:

Wechat Credit Card _ Baidu Encyclopedia