We know that it is sometimes necessary to apply for a credit card in an emergency. If you are short of money and need to borrow money, it is inconvenient for relatives and friends, and the interest of external loan finance companies is too high. Therefore, it is the fastest and most convenient to have a large credit card, which can be paid in installments directly after swiping the card, while the platinum card is a high-value credit card with a minimum amount of more than 50,000.

When we have a platinum card, we will first get a higher credit line, usually 50,000 ~ 200,000 yuan. This will be very useful for people who spend a lot.

In addition, the Platinum Card has many rights and interests. The more affordable ones are: giving away medical examinations worth 600 yuan every year, which is more than ordinary medical examinations, and the rights and interests of medical examinations can also be transferred to family or friends; Then there is its free tooth cleaning service. You can choose the best stomatological hospital on the market to wash it, such as German Riel Stomatology. The quality and service are very different from ordinary hospitals. For people who travel frequently, free VIP boarding six times a year is the most popular (VIP boarding price every time in 260 yuan).

However, the general banks have a lot of requirements for platinum card customers, and the annual fee is also quite high, generally 3600 per year, and some are not allowed to redeem points. Does it mean that we working-class people will give up? No, we still have a way to realize the dream of free annual fee for platinum cards by spending 4000 yuan a month or 50000 yuan a year!

First, you can pay attention to the low-profile platinum card. For example, China Merchants Bank has an exquisite version of Platinum Card, and the annual credit card amount reaches 80,000, which can be exempted from the annual fee; CITIC has elite and advanced platinum cards. Apply for 4 credit cards, free of annual fee.

The second is to plan consumption and concentrate on swiping cards on the birthday. According to the regulations on the rights and interests of China Merchants Bank Platinum Card, the points can be doubled 10 times if you swipe your card on your birthday. On July 7th, it was suggested that we postpone large-scale consumption to birthdays, such as property fees, beauty cards, fitness cards, and centralized purchases by families in supermarkets. All of them were paid or consumed on birthdays, and it was easy to brush up to 20,000 yuan to meet the requirements of banks. There are other banks whose credit card management is much looser. If you read its rights and interests carefully, you can get a bank discount at your fingertips.

Introduction:

The credit card threshold of CCB is very low. As the four major banks, their own rights and interests are naturally good. See which cards in his family are "fake platinum cards"

Counting fake platinum cards of CCB