I almost forgot that I used to be a blogger who studied credit cards. I guess you forgot that Journey to the West is good at writing credit cards.

The main reason is that credit cards are really declining.

Think about whether you haven't taken out your credit card for a long time. Anyway, the last time I swiped a physical card was in Macau last September.

Ant flowers and white stripes occupy a lot of space that originally belonged to credit cards. Not because their functions are good, but because they are convenient enough.

But anyway, at the beginning of each year, I will come to check which credit cards are worth recommending.

Let's talk about the current situation of several credit cards.

1) The face value of a credit card is becoming less and less important.

At present, Alipay, WeChat Pay, UnionPay, China UnionPay Express and Apple Pay are all very convenient, but they all use credit cards behind them. But the physical card really doesn't matter.

In fact, this is a big change. I used to apply for a centurion-faced credit card, but now you have no chance to take out this card and swipe it.

2) The number of credit cards in hand is decreasing.

China Banking Regulatory Commission (CBRC) issued new regulations on credit cards, and in 2023, major banks are bound to reduce their annual fees. Not only that, banks will also significantly reduce the number of credit cards in their hands.

I think 3-5 credit cards are enough for one person.

Too many cards will make it difficult to manage the cards, resulting in overdue risk. At the same time, in order to avoid the annual fee, some credit cards are required to be swiped n times every year, and it would be a tragedy to forget.

Take Xi Youjun himself as an example. I only have three (four) cards at present.

China Merchants Bank Diamond, Shanghai Pudong Development Bank Super White, Bank of Communications World Supreme Card (because it is a MasterCard single label card, UnionPay Unicorn White was issued). So I said, I only have three (four) cards.

It can be seen that the main functions of these cards are hotels and airport VIP rooms, and the money spent can be exchanged for air miles.

Not many cards, but the essence.

Don't blindly pursue free annual fee. The configuration of your own card is actually spending money to buy permissions. This is usually good.

3) The credit card market will be more and more subdivided.

For example, CCB's Dragon Car Card is to wash your car once a week, then change your oil card with points, and you can also enjoy road rescue.

Everbright Platinum provides 8 expert appointments and full-time accompanying visits throughout the year, as well as 2 free tooth cleaning, so that you can think more about your health.

Shangri-la card, 15% discount on food and 10% discount on hotel accommodation. You can also redeem Shanla points and stay in Shanla artifact properly.

.

Next, let's talk about credit cards.

The essence of credit card. what

Credit card is a kind of credit product, that is, the bank lends a credit fund to the cardholder and repays it after consumption. However, credit cards have a certain interest-free period, allowing cardholders to use the funds in the credit card for free.

Then why do we use credit cards?

The core appeal is to save money. After all, credit cards have an interest-free period.

In addition, many credit cards are cashed back overseas. For example, my ultra-white, 10% overseas cash back, 10% discount for shopping in Macau.

Second, for the sake of rights.

There are many credit card rights and interests, including free CIP(CIP is the exclusive passage of the airport), hotels, delay insurance, road rescue, driving, appointment registration, pick-up and drop-off, etc.

Make good use of it, it will improve your happiness.

How to find a credit card that suits you?

To match your own needs.

For example, if you don't leave the country often, it's not a waste to ask for an overseas cashback card. If you don't have too many business needs, CIP and shuttle bus may not be suitable for you.

If you love life, be careful. 10% gasoline discount and 95% supermarket discount may be more suitable for you than free hotels and air miles.

If you like dinner, a 50% discount ticket from China Merchants Bank every Wednesday may bring you some luck.

And the essence of agricultural bank. It's really good to register in the hospital.

There is no credit card, only whether it suits you.

Ant flowers and JD.COM white stripes are not good substitutes for credit cards.

They are really just convenient and can meet the basic functions of credit cards (credit products), but they are very different from credit cards in terms of high-end rights and interests.

I will use flower buds in certain situations (deposit pig house coupons, do not write them off and do not repay them). However, many times, although Alipay and WeChat are used to pay, fast payment is bound to credit cards.

Low-end card, there is really no need to apply.

The lower-end cards, such as game co-branded cards and supermarket co-branded cards, the more difficult it is to increase the quota and improve the comprehensive financing in the later stage. Get a high-end card as soon as possible.

Otherwise, it is better to use white flowers and white stripes.

In fact, high-end cards are not difficult. For example, in Hangzhou, with Ali's work card, it is basically not difficult to apply for the classic Xiaobai of China Merchants Bank.

Tell me which credit cards I would recommend in 2023.

The focus is still on credit cards suitable for travel. This article was recommended by myself, without any soft implants. You can rest assured.

Free annual fee (or deduct points from annual fee) category

Ping an Zhu credit card

The specified fuel consumption is 8.8 fold (monthly fuel bonus limit 100 yuan). 8.8 yuan can wash the car 48 times a year and drive for free twice a year.

Credit card introduction:

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Bank of Communications Standard Platinum Card (White Kirin)

6 times Longteng VIP lounge, 6 times Ward Airport VIP lounge, 6 times drunk driving, air ticket delay insurance. 18 comparison 1 is the mileage of the four major airlines.

The annual fee is free in the first year (three transactions within 45 days and each transaction exceeds 168 yuan), and 250,000 points are exchanged for the annual fee in the second year.

Credit card introduction:

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Shanghai Pudong Development Bank American Express Super Platinum Credit Card (Super White Card)

Not limited to airport VIP lounge, overseas offline consumption 10% cash back, free hotel for 4 nights a year, 8 transfers, delay insurance, global emergency rescue.

Free hotel fitness, 6 free movie tickets per month.

Deduct 600 thousand points from the annual fee every year.

Super white is much harder than the above picture.

Credit card introduction:

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Spend money on rights and interests

China Merchants Bank Diamond Credit Card (annual fee is 3,600)

Four free air tickets for children every year, unlimited CIP (you can also bring one for free), six 300 hotel benefits, 1 physical examination or two consultations with Chinese medicine, 1 tooth cleaning, 12 golf driving range, and travel delay insurance. ......

Four children's air tickets a year are worth an annual fee of 3600. This card is the king of parents and children.

Credit card introduction:

/ccard/vip/diamond/index.html

Bank of Communications World Card (the annual fee is 4,800 yuan or1.20 thousand points can be deducted, and the annual fee is generally selected1.20 thousand points with a value higher than 4,800 yuan).

Airport VIP room, unlimited times throughout the year, can carry 3 people at a time; Free hotel for 4 nights a year; Drunk driving every year12; Delay insurance; Swimming/fitness, yoga, equestrian and skating are free in 24 star-rated hotels throughout the year.

Credit card introduction:

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Summary:

Be sure to match your needs and choose a credit card that suits you.

Be sure to do subtraction, and credit cards will do, not too much. Try to keep high-end cards and sell some less useful low-end cards. It's actually good to spend money on rights and interests.

Finding a good job will help you apply for all kinds of good credit cards.

Finally, I put a new year's sunshine golden hill, which I took in Kaiyue Town, Lijiang.

In the new year, everyone should be thriving.

Related questions and answers: How to brush the credit card car wash brush is as follows:

First, credit card car wash Many banks have launched such activities, and you have to go to the bank's credit card APP.

Second, according to the different rights and interests of each bank, go to the merchant to cancel the discount code, and then you can carry out the car wash service.

Three, hold the CCB car credit card spending over 2000 yuan per quarter or over 6 times, the cardholder can enjoy the weekly car wash service in the next quarter.

Related questions and answers: What is the best credit card for car washing? What do you recommend? As a car owner, in addition to refueling, of course, there is also a car, especially a car wash, which is a daily need, so the right to wash the car with a credit card is also necessary. Today, I will introduce you to several credit cards with better car washing rights.

1

China construction bank

As long as the car card consumption of CCB meets the following conditions, users can enjoy the preferential car washing right once a week at the designated car washing outlets.

Car Card Gold Card: When the price of car wash service is below 15 yuan, users can enjoy car wash service for free. If it exceeds 15 yuan, the excess can be paid by car card points, and cash can be used when the points are insufficient. The annual fee of 200 yuan cannot be waived.

Car Card Platinum Card: When the price of car wash service is below 40 yuan, users can enjoy car wash service for free. Those exceeding 40 yuan can be paid by car card points, and cash can be used when the points are insufficient. The annual fee of 580 yuan cannot be waived.

Have the priority to wash the car directly in the first quarter after issuing the card. After that, you can have the rights and interests of the next quarter if you spend more than 2000 yuan per quarter or swipe your card for 6 times.

You can check the information of car wash merchants in the mobile banking of China Construction Bank. Every city cooperates with different car wash merchants.

2

Everbright Bank

Use the credit card of China Everbright Bank, 10 yuan uses the designated car dealership to purchase electronic coupons, 10 yuan can enjoy the car wash service, and each user can get it once every activity day, depending on the preferential policies of different places.

Activity time: 20 1 910/0 month1to 20191February 3 1, and the number of places is limited.

three

China Citic Bank

0 yuan can get car wash service by swiping 3 transactions with 399 valid points every month. Gold card per month 1 time, platinum elite class twice a month, platinum distinguished class four times a month.

65,438+0,000 times a month, first come, first served; CITIC 9 points activities can be redeemed for car wash coupons in some areas.

four

Bank of Beijing (too small, not recommended)

Bank of Beijing enjoys the Platinum Card car wash service twice a month, 24 times a year. In Beijing, you can enjoy services at all branches of Aiyihang and get card certification.

five

Shanghai Pudong Development Bank

The men's card fee version of Shanghai Pudong Development Bank also enjoys the right to wash the car. You can get the 12 standard car wash voucher after the 20th day of the month after the credit card is activated.

The discount of car wash right is still very powerful. Car users can apply for the above-mentioned credit cards according to their own needs and enjoy high-quality credit card channels. Why not give it a try?