Merchant = Xiao Zhao (Brother Wuji, how are you? )
Guangfa = waste line (yes, this nickname is really appropriate. Always reduce the number of places for the little black house)
Let's get down to business and talk about how Xiao Zhao has served you well.
For Xiaobai, who just entered the bank, China Merchants Bank's credit card is the first choice, and it is best to apply for a first card or a secondary card. The reason is that China Merchants Bank is afraid of too many credit lines (too many credit cards) or too large total credit lines. China Merchants Bank is often called "Xiao Zhao among white-collar workers". As long as you are good to her, she will be good to you. The investment amount is easy to raise, and a good card friend 1 year can play more than 5W. If you want to play China Merchants Bank credit card, you must have classic platinum card, centurion platinum card, diamond credit card and other high-end cards, which can greatly enhance the value of China Merchants Bank credit card points and exchange them for air miles, hotel points and so on. China Merchants Bank points policy is that 20 yuan can accumulate 1 points.
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Characteristics of China Merchants Bank
1, you can apply online. (There is no pressure for online application and off-site signing) 2. There are many ways to play. 3. These integrals are considered to be permanently valid. 4. Birthday multiple points, China UnionPay Express and small flash payment points, scan code to pay Alipay and JD.COM points. It is easy to raise the amount, but the total credit is too high, so it is necessary to raise the amount first. 6. Letters and newspapers merged. You can modify the bill.
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What cards should China Merchants Bank apply for?
First, the entry-level card-leg hair card
What is a leg hair card? It is a series of free credit cards issued by China Merchants Bank. These cards all have the same feature: the first withdrawal every month is free, with a maximum of 10000 yuan, and 500 permanent points can be obtained according to the points rules of China Merchants Bank. You can go to the ATM to withdraw cash, or take "Pocket Life->; Card payment-> I want cash ",but if the credit line of China Merchants Bank is below 20,000 yuan, you can only take 5,000 yuan for pocket life, and ATM machines do not have this restriction.
At present, there are only six cards of the following three card types: Young Card (2 cards, commonly known as Black Sheep and White Sheep), Weibo Daren Card (3 cards, black, gold and pink) and Zhizu GQ Card.
In the past, the total number of city cards issued by China Merchants Bank was *** 19, and these cards also had the right to withdraw cash for the first time every month, and there was no handling fee. However, as early as March 20 17 1, the right to withdraw cash without handling fee was cancelled, but the credit card attribute of 1.5 times remained. Another card 1.5 times the credit card is the owner's card. This 1.5 times credit card is an accelerator to participate in the credit card swiping activities of China Merchants Bank!
Calculation of leg hair card income:
If there are 6 cards, each card will withdraw 10000 yuan every month, and you can get 500x65438+March = 6500 points in one year. Why 13 months? It is because the birthday month of China Merchants Bank card has doubled, and cash withdrawal is also counted.
China Merchants Bank also has a hidden attribute. Each card can handle two supplementary cards. The secondary card is the same as the primary card. Free handling fee for the first withdrawal every month, with a maximum of 65,438+00,000 yuan (500 points). The total number of secondary cards of the main card is 6 x( 1+2)= 18, with 6500 points a year.
If you have classic white, you can exchange it for China Southern Airlines mileage 1 1.3 million. Latest mileage conversion scale of major banks. According to the mileage value of China Southern Airlines, 900 yuan/10,000 kilometers is returned to 10 170 yuan every year. Of course, it takes a lot of patience and energy. Under normal circumstances, it is no problem to take thousands of dollars.
Precautions for playing leg hair card:
Although the leg hair is good, you should pay attention to avoiding the pit! Although there is no handling fee for the first cash withdrawal every month, it does not mean that there is no interest. The interest is 0.05% (fifteen thousand) per day, but you still have to repay it in time!
The repayment order of China Merchants Bank is: ① the bill has been paid, ② the annual fee, interest and handling fee in the bill have not been paid, ③ the principal has been withdrawn, and ④ the rest of the bill has not been paid. Therefore, when "withdrawing the principal", we must ensure that the first two items are settled, and since China Merchants Bank is an account pool except the pit, we should be careful of all kinds of expenses incurred by other cards.
Best posture: withdraw cash on the last repayment day, and the withdrawal principal will be settled together with the bill repayment. It is recommended to pay more 10 yuan. The entry time may also be a pit, so it is better to finish the scraping action before 2 1.
How to handle the leg hair card?
We calculated the income of leg hair card earlier. Are you ready to move? However, it is still difficult to handle a leg hair card and accept the 18 card. However, it can't stop everyone's enthusiasm for doing cards.
Young card: The official announcement is that the application is only for people under the age of 30, but in fact there are many cardholders over the age of 30. According to the feedback from a forum user, this card can be added by phone, preferably in black and white.
Weibo Card: At the beginning, this card was limited to Weibo Daren applications, but Daren products of Sina Weibo stopped long ago, so you need to have a Sina Weibo account when applying. If you already have a Zhang Wei Bo Kaka, you can apply for cancellation of the card, and call to restore the card you sold before after applying for the card, and so on, and you will get three Zhang Wei Bo Kaka.
GQ card: Officially, only men can apply. If you are a woman, maybe you can get a card. It's time for the majority of female netizens to fully show your female man.
Second, play more cards with advanced-JD.COM Xiaobai.
Double the points every Wednesday and collect them by yourself in Jingdong Financial APP. The collection period is 30 days, and the credit of this card is valid for one year. Upper limit of weekly points 1000 points, 4000 points per month.
Third, playing the senior card-classic white
The annual fee of MasterCard is 3 600 yuan/year, which will be charged after one year of verification. This card is the only high-end card of China Merchants Bank that can be exempted from annual fee. But the rights are still the same.
From now until 20 19, 12 and 3 1, apply for and issue classic platinum cards, and enjoy the annual fee of 10000 for permanent points of 3,600 yuan, and the annual fee of supplementary cards of 2,000 yuan (the annual fee can be automatically converted if the points are sufficient).
The supplementary card is 2000 yuan per year, and the annual fee can be exchanged for 5000 points.
There are 6 airport CIP every year (supplementary cards can enjoy this right independently)
Airline departments/incentive schemes
Merchandising Ratio
China Airlines/China Southern Airlines/China Eastern Airlines
1500 points: 2000 miles
Asia Miles
1800 points: 2000 miles
Note: The maximum exchange limit of this card in this natural year is 50,000 miles.
Points can be exchanged for the three major domestic airlines &; Asia Miles
Free aviation accident insurance: up to 1.5 million aviation accident insurance and 2,000 yuan travel inconvenience insurance.
You can enjoy 4 domestic and overseas hotels +2 nights VIP price extra accommodation in overseas hotels every year.
Every year 1 free physical examination, 1 free tooth cleaning; (supplementary cards can enjoy this right independently)
Have 12 golf rights every year;
Up to 20 18 12 3 1, you can enjoy the courtesy of "two people walking, one person free of charge" in 80 five-star hotel buffets in China.
Birthday 10 times points, upper limit of the day 10000 points. If you want to get 10000 points on the same day, you need to spend 22 240 yuan at most. Because 10 points, 9 points are giveaways, and 1 points are basic points.
Application conditions (any one can be met):
China Merchants Bank has a fixed quota of 5W (it is said that the pass rate of fixed quota 5+ temporary quota 5 is extremely high), so you can try to mail your application yourself.
The fixed quota of China Merchants Bank will reach 6W in cash installments (China Merchants Bank is commonly known as "graduation now"), so you can try to mail your application yourself.
China Merchants Bank pays wages on behalf of it, with monthly after-tax income 15000+. You can try to import goods at Outlets.
If there are more than 400,000 cars (my city needs 40W cars, and other cities may need 30W cars), you can try to buy them at the outlets.
Sunflowers can be issued at outlets after reaching the standard for 3 months (500,000).
Fourth, high-end cards-Express Centurion, UnionPay Diamond Card
1, American Express Centurion Platinum Card
At present, there are few American Express Platinum Cards issued in China. For people who can't get a black gold card, the value of this card is extremely high. There is no reason not to apply for this card except for the rigid annual fee.
3. In 600 yuan/year, China Merchants Bank will give you 25,000 permanent points of China Merchants Bank after handling the card.
The first two supplementary cards are free of annual fee.
Airport CIP can receive 1 person, and the service basically covers all major airports in China and 20+ airports abroad.
The main card is presented with unlimited pp cards, which can enter the Air China terminal of T3 terminal of Capital Airport and the terminals of Hong Kong and Taipei airports. Generally speaking, PP cards are easier to use abroad than at home.
Air mileage exchange rate, the upper limit is 50,000 miles.
Hangji
Merchandising Ratio
Air China/China Southern Airlines/China Eastern Airlines/British Airways/Air France-KLM/Singapore Airlines/Malaysia Airlines
1500 points: 2000 miles
Give away aviation accident insurance, with a maximum of 1.5 million aviation accident insurance and 4,000 yuan travel inconvenience insurance.
3000 points =2000 Jumeirah points
3,000 points = 2,000 SPG points (learn about the latest SPG club announcement in official website and the latest American Express announcement in official website) (Note: As the SPG club is about to merge, the SPG points you exchanged with our credit card points will be converted into new points according to the ratio of 1:3 and credited to your SPG club member account).
1000 points =2000 Hilton points.
Enjoy 4 domestic and overseas hotels +2 additional overseas hotels at VIP price.
Birthday 10 times points, upper limit of the day 10000 points. If you want to get 10000 points on the same day, you need to spend 22 240 yuan at most. Because 10 points, 9 points are giveaways, and 1 points are basic points.
Every year, 1 free physical examination (transferable), 1 free tooth cleaning right (non-transferable), and supplementary card sharing 1 time.
There are 12 golf tournaments every year and 5 hotel gyms every month.
Application conditions (any one can be satisfied)
When the fixed quota of China Merchants Bank reaches 10W, AE Xiaobai's application option will appear in the Pocket Life APP- high-end exclusive.
If you have more than 400,000 cars (my city requires 400,000 cars, and other cities may have 300,000 cars), you can try to buy them at the outlets.
Sunflowers reach the standard for 3 months (800,000 yuan), and some outlets may be able to get a card for 500,000 yuan.
2. China Merchants Bank UnionPay Diamond Card
Annual fee:
The main card is 3,600 yuan (rigid annual fee), and 2 supplementary cards are free.
No first gift. (It used to be 25,000 points, 10000 points)
Rights and interests:
Enjoy the right to stay in 4 domestic and foreign hotels +2 additional overseas hotels at VIP price every year. Join 3 parent-child theme park hotels (Disneyland Hotel, Guangzhou Chimelong Hotel and Zhuhai Chimelong Circus Hotel), 6 Club Med resorts (Guilin, Sanya, Dong 'ao Island, Bali, Tanbin Island and Phuket) and 3 Banyan Tree (Hangzhou Xixi Banyan Tree, Lijiang Banyan Tree and Ren 'an Banyan Tree). Reply to Banyan Tree), 2 nights per night, some exclusive luxury hotels.
Free children's air tickets four times a year, easy to book, paid first and then returned, only for domestic peer-to-peer use (designated beneficiary and modifiable once a year, transferable, worth 2000 yuan).
Free children's oral fluoride coating service and other parent-child oral cavity twice a year.
Unlimited number of airport VIP rooms in each nuclear card year (one person can be brought at a time).
Up to/kloc-0.5 million aviation accident insurance, 4,000 yuan travel inconvenience insurance (including flight delay), 48-hour card loss protection (excluding transactions with passwords, subject to my credit limit).
How to apply:
There is a certain probability that you can apply for the classic white diamond. Classic Xiaobai's quota exceeds 65,438+10,000. You can apply for a diamond card by phone or add a pocket life app. There are AE white diamonds to apply for.
AE Xiaobai of China Merchants Bank has his own merits. The most valuable parent-child card: parent-child hotel, 4 air tickets, unlimited VIP room ... 10000 points is the first gift, and local tyrants are worth doing.
Five: specific gameplay
1, classic white annual fee
The annual fee for other high-end cards is rigid, but it can also be recovered.
The general way to solve the annual fee is to spend 22,240 yuan on the birthday and get 112 points (9 points 100000 points, 0 points 20 yuan1,a total of12 points.
The supplementary card of China Merchants Bank is limited to parents, spouses and children (it is recommended that both men and women write spouses)
There can be multiple supplementary cards, and the date can be modified by customer service for special reasons.
2. Air mileage
1500 points can be exchanged for 2000 miles of Air China, China Eastern Airlines and China Southern Airlines, and 1800 points can be exchanged for 20 million miles, with an upper limit of 50,000/year. However, China Merchants Bank's classic card points can't be redeemed for mileage when they are below white, and they can only drink Starbucks; With the classic white above, the value of points instantly increased by 2.5 times, which is also a good channel for realizing points.
Classic white: 5W 37500, Yawan is worth more than 5500.
3. Equity transfer
There are 1 free physical examination (transferable) and diamond cards every year, and there are four free domestic air tickets (transferable) of about 2000 yuan every year to help book hotels.
4.Exchange SPG
Cardholders can redeem SPG points at the rate of 3,000 points: 2,000SPG points.
AE white 30W points are exchanged for 20 W SPG, worth more than 30,000 yuan.
5. Activities
China Merchants Bank's year-end 10 yuan Storm is an annual year-end drama. China Merchants Bank is DLB's favorite bank, and it has various ways of playing.
My suggestion is, which one should I keep when the credit card limits of China Merchants Bank and Guangfa remain unchanged? You can feel that you have no control and decision-making power over yourself. You need to be hard on yourself and cancel all your credit cards.
Credit card is the entry.
In fact, these banks are just fooling you into getting a card and letting you do it first. In this way, you may use their cards when you want to spend money in the future. Once activated, you can start sending people money. Because after you spend it, you need to pay it back. After repayment, I felt that I had money, so I continued to spend money by credit card.
After several times, you get into the habit of spending by credit card first, and the mission of credit card has been completed, which makes you dependent.
See the essence
The essence of credit card is to exchange your credit for money to spend. Your credit limit is your credit value. If overspending leads to credit overdraft, you may not be able to use credit in the future. In this way, it may not be worth the loss. Because you can't borrow money to buy a house because of small consumption such as credit card or overdue after receiving credit information, you may not be able to fly or take the high-speed train seriously. Do you think this is penny wise and pound foolish? I suggest that you don't use a credit card before you have enough strength. It's not too late to talk about credit cards after training yourself as a financial manager.
Final summary:
Credit card is icing on the cake, don't expect it to bring you any benefits. I thought I could achieve something with it myself, but in the end I found that I was just dreaming. I also advise you not to think too much about yourself and your credit card, but to work hard. Cancel all credit cards and give yourself a space not to spend money indiscriminately.
Of course, China Merchants Bank, as a leading commercial bank, has many activities, good service and stable withdrawal. Guangfa is yj, reducing the quota, freezing points, checkpoints, the least worth raising banks, and Ping An and CITIC. Don't touch these three spicy chicken credit cards.
Every bank has its advantages, and every credit card type has its reasons, depending on its own conditions and needs. The application for the service number of China Merchants Bank has certain conditions. The amount just issued is not high and the interest-free period is relatively short. However, the exit speed is particularly fast. If you use it well, you often take the initiative to withdraw cash from customers. The points are valuable and there are many preferential activities. Guangfa, the general comments on the internet are not bad, but because I don't have a Guangfa card, I won't comment much to avoid misleading. Comparatively speaking, the functions of the two cards are similar, but slightly different. China Merchants Bank: There are many types of cards with wide coverage, and various card designs can be selected. China Merchants Bank's online banking is also good, and the points are rich. At present, it is the fastest growing bank in China. But there are few outlets, and sometimes repayment is inconvenient. Guangfa Card: Compared with China Merchants Bank, there are fewer types of cards, but Guangfa Card has its own characteristics and uniqueness. For example, Guangfa True Love Card has a 48-hour loss reporting guarantee, and you can use "All ok, not limited to merchants' goods, as long as it reaches a certain amount, you can pay by installments. These two points are unique to Guangfa. The actual use varies from person to person, but it is best to be near home or work. After all, it is more convenient to go to the bank once a month.
Anhui Shunshi, focusing on credit card service!
If you can cancel the credit card, it means that the landlord will simplify the card, so the simplification of the card should comply with the following principles:
1, cancel the unused credit card.
2. Cancel the credit card without interest.
3. Cancel the micro-credit card
4. Cancel credit cards with strict risk control
5. Cancel the annual credit card fee.
Since the landlord didn't mention the card types of these two banks, let's say that gold cards are free of annual fees.
In terms of activities, there are many investment activities and a lot of wool. Want to stay and invest!
From the perspective of risk control, Guangfa's risk control is very strict, and a large number of customers reduced their quota to 8 yuan throughout the year. Look at this year, many old railways can't swipe their cards directly, suggesting that designated merchants can't trade, which makes many old railways have to scan the code for repayment, which is very uncomfortable.
Moreover, Guangfa cancelled a large number of points merchants this year. It can be said that the last thing to do this year is Guangfa, and the most important thing to cancel is Guangfa.
Moreover, a very small number of China Merchants credit cards will be reduced or exempted, which is nothing more than a dark room without saying the amount, and a very small number will be reduced or blocked.
Therefore, no matter from which aspect, investment promotion has won Guangfa!
I hope I can help you!
China Merchants Bank is the boss of commercial banks. Guangfa Bank is called Small China Merchants Bank.
If you have to return the card, you can keep the China Merchants Card, but since you have already done it, why do you have to return the card [pick your nose]?
I'll keep them both. My suggestion is that reasonable consumption and timely repayment are conducive to my later quota increase.
Keep China Merchants Bank, which is an old brand in credit cards. Its service attitude and service details have always been good, but its service level and ability have declined in recent years.
Investment promotion must be reserved, so the investment promotion in the bank credit card is the best.
China Merchants Bank is a leader among commercial banks, and the credit card quota is steadily increased every three months. Impeccable.