It's some preferential activities that you can take part in. After you apply for a card, you must remember your billing date and repayment date clearly, so as to avoid a deadline in consumption and affect your personal credit. According to our practical operation of helping others many times, we summed up the effective methods of handling cards, raising cards and raising the amount. Please remember to adopt them.
Credit card (debit card) can also buy a house and a car, and the good user is king.
Credit card (debit card) can also buy a house and a car, and the good user is king.
-Talk about the advantages and disadvantages of credit cards (debit cards)
Nowadays, China is dominated by Alipay and WeChat payment, and major banks also try their best to share a piece of the action through credit cards. So, is the credit card good or bad? Everything in society has two sides, including the use of credit cards (debit cards). Based on my years of experience in consumption and card use, I would like to share with you:
Advantages of credit card (debit card): less gratitude, as the saying goes, "Grandpa owes money and grandson borrows money".
Once you are short of money, borrowing money from your friends is very painful. Everyone is short of money, others lend it to you, and they are short of money. If they don't lend it to you, it will hurt their feelings. This puts many people in a dilemma. Credit card (debit card) can solve urgent and unexpected needs at this time, especially for doing business, buying a house, buying a car or saving lives in a hospital.
2. Accumulate personal credit.
In the current credit era, as long as the credit is good, you can get money. If you are a white household and have no record in the bank, you can borrow money from the bank just like we borrow money from strangers ourselves, so it is of course difficult to borrow money from the bank.
3. Many complimentary activities.
Credit card (debit card) mall will hold some discount activities from time to time, and will also bring you some practical gifts, kitchen utensils and daily necessities from time to time, so that we can really feel the benefits.
Some credit cards (debit cards) also provide free accident insurance, medical insurance, trailer and car wash, enjoy the service of VIP rooms in banks or airports, and exchange points for air tickets and gasoline.
4. Many financing levers can be used to start a business, buy a house and buy a car.
Credit card (debit card) will be the best financing breakthrough for many partners to start their own businesses. They can use credit cards (credit cards) to finance and reserve funds to start businesses and buy houses and cars for personal use.
The function of overdraft in advance can solve the capital demand and enjoy the convenience of installment payment. Don't treat credit cards (debit cards) as a scourge just because of annual fees or interest. When your income exceeds the cost of using the card, you will understand that cash is king. For example, about 20 16, the property in Paojiang New District of Shaoxing is 5000-6000 yuan/square (the price of ordinary commercial housing). Many people hope that the down payment is enough before considering buying a house, but they don't think of paying by credit card. 20 17 in the second half of the year, house prices began to double and skyrocket, and there was basically no 100.
Disadvantages of credit card (debit card): blind consumption and excessive consumption
Unlike paying cash, swiping a card is not a sum of money. I don't feel anything when I swipe my card. A few figures lead to blind consumption and spending money like water. However, what to buy and what not to buy can be treated irrationally? !
2. High interest rates and annual fees that are not repaid on time.
If you can't keep your credit card (debit card) well, the bank will charge a certain interest fee on the final repayment date to avoid greater risks, and you can only blame yourself.
Credit cards (debit cards) basically have an annual fee, but they basically have an annual fee-free policy. For example, CCB can be exempted as long as it is brushed three times a year; Ordinary users can apply for ordinary cards or gold cards first, and the annual fee reduction policy is very convenient. You can bind Alipay or WeChat payment and spend 5-6 times a year in supermarkets or shopping malls.
3. Affect personal credit records
Due to the credit stain caused by overdue repayment, buying a house and buying a car will encounter loan difficulties, or increase the down payment ratio. It will bring great inconvenience to my future life, and booking air tickets and staying in hotels will have an impact. If it is a long-term malicious debt, it will even be blacklisted by banks. At this time, it will affect the credit life. The gain is outweighed by the loss. Don't overdraw your credit and use your card reasonably.
Some personal suggestions on credit card (debit card) application and card maintenance;
1. Credit card (debit card) applications can start from big banks, such as Industrial and Commercial Bank of China, Bank of Communications and China Construction Bank. The reason is that they are the benchmark of the banking industry. When applying for other bank credit cards (debit cards) in the future, their credit information will be more reliable, so that high-value credit cards (debit cards) can be issued. China Industrial and Commercial Bank is the father of credit card (debit card), with low loan interest and
2. How to increase the quota and apply for a high-grade credit card (debit card)? First of all, after selecting the above benchmark banks, focus on raising cards, various consumption and strategies, so that the banking system can feel your consumption strength and repayment ability, repay on time, participate in APP activities and become loyal users. Raising the quota is not a problem. The application can start with Puka and Gold Card. If the quota is increased, you can cancel the general card or gold card on the grounds that the level or quota is not enough through the bank customer service phone. If the other party responds positively, you can try to apply for high-level letters such as platinum cards online first. After success, you can immediately cancel the previous card, increase the amount and upgrade.
3. Card skills. In reality, many credit cards (debit cards) are used to cash out. Because the bank's risk system is strict, it is necessary to pay attention to the following aspects: 1) Don't brush the whole number or the credit card (credit card) is full. 2) Don't swipe your card the same day or the next day. 3) Don't swipe your card on the same pos machine. 4) The card swiping time should be within the normal range. If you don't swipe your card at the gold shop after 23: 00 at night, it's not normal. 5) Generally don't brush on POS machines and code adjusters in wholesale stores, because they often brush on others, and it is easy to be transferred to your card by the wind, remember!
Conclusion: Credit card (debit card) can immeasurably promote social and economic development and improve people's quality of life, except local tyrants. The advantages of credit card (debit card) outweigh the disadvantages. It can be said that there are no shortcomings, and the shortcomings are useless. This is called shortcomings. I am also teaching others how to teach others how to swim. Please forgive me if there is any mistake. If you encounter any difficulties in using the card, please pay attention and communicate. Thank you!
Credit Card bonus hunter Raiders: If you can afford it, which credit card will become the main credit card?
Nowadays, credit cards are becoming more and more popular. There are a lot of card promotion and credit card promotion in various banks. Give small gifts from time to time, and even many people scramble to get free gift cards. It used to be "socialist wool", but now it is "bank wool".
It is relatively simple to use the "bonus hunter" credit card, because many activities are carried out by credit card. As long as you pay a little attention at ordinary times and choose the right credit card when spending, you can successfully "win" the "wool". For example, netizen CXY 1 actually received nearly 10 boxes of milk by swiping Minsheng credit card; Netizen "I have a happy tree" successfully "grabbed" a set of Supor cookware with the credit card of Shanghai Pudong Development Bank; Netizen "byby" used Ping An Credit Card to pay for 10 yuan movie tickets. As a post-80s white-collar worker, Li Si is also a member of the "wool clan". Recently, she got a good product-Card Opening Consumption 199 yuan, that is, a leisure folding chair. "I am an online shopping madman and often sweep goods in Taobao. A few days ago, my colleague recommended me to apply for a Taobao card in Zhang Zhongxing. I made one without hesitation. I didn't expect them to do promotional activities and send chairs! If it is a newly applied Taobao card, you can get a folding lounge chair with a value of 100 yuan as long as you spend more than 199 yuan in a single transaction at a physical merchant or Taobao Mall, or handle the' installment purchase' business. It's so cool to' smash' a chair in China Bank so easily! "
While everyone is busy drying credit cards from scratch into wool, some netizens' tips on drying credit cards come from bonus hunter. If you want to scrape wool with a credit card, you might as well learn. Saving money starts with "wool" as a credit card.
To understand the true meaning of "wool" credit card, we must first choose a reliable and easy-to-use credit card to open up the situation! Credit cards can be seen at a glance if they are not reliable and affordable! Don't just stare at some small gifts on the clerk's desk. If the bank is willing to give you the benefits of real money when handling the card, then I understand you!
Fashionable and convenient online card handling is the first choice for more and more new people. Bank of Communications Credit Card launched the online application of special circumstances credit card, and the credit card application was successfully presented 100 yuan. 100 yuan credit cards are not as good as those piggy banks, chopsticks, lunch boxes and the like! Besides, you can stay at home and the card can be sent to you by post soon.
Although all kinds of dazzling activities are tempting, in the final analysis, it is most cost-effective to pay less real money! You can save more money by using Bank of Communications credit cards, cooperative merchants all over the country, and timely and full refund of credit card payment and other preferential activities. In short, it is the same harvest, pay less!
In a search in official website, the cooperative merchants of Bank of Communications credit cards spread all over the country, as well as in the fields of catering, entertainment and leisure. If you are interested, you can go and see if there are any stores you frequented. If so, we can't miss this opportunity of "bonus hunter"! Because most cooperative merchants can enjoy the exclusive discount of Bank of Communications credit card when spending by credit card.
Symbolic preferential credit card activities of Bank of Communications. Go to supermarkets, gas stations and other cooperative stores to spend credit cards every Friday. If you reach a certain amount, you can return 5% of the credit card. This activity is long-term, and it can provide you with such a "bonus hunter" every week to earn credit card payment.
Sun-drying wool: The landlord and colleagues often go to a Sichuan restaurant at noon, where they can enjoy a 20% discount and spend around 200 yuan. A 20% discount will save almost 20 yuan at a time. It is common to go more than a dozen times a month, and now I have won a discount of more than 200 yuan. And the most popular Friday. Go to the supermarket to swipe 200 yuan every Friday, and pay by credit card 10 yuan.
Although the points are only derivatives of credit card consumption, the reuse value behind them is still worth "smashing" again. Especially now, in the eyes of merchants, the loyalty of users is becoming more and more important, and when the trick of locking customers with the use value of points is becoming more and more reliable, everyone can't help but take points seriously-they can "surprise" a lot!
You know this! It's very convenient to go abroad with a credit card. Now I have 10 times points, which is hard to come by. Sun-drying "wool": In the past two years, the landlord exchanged the credit card points of Bank of Communications for many things, such as locks and induction cookers.
No matter which move, if you want to "win" the "wool" of the bank, you have to pay more attention to the activities of the bank, and which bank's activities are affordable, you should mainly brush the credit card of which bank.
The credit card "bonus hunter" has been blocked, has the welfare been reduced?
In order to fight against the professional "bonus hunter", in 20 18 years, many banks have successively revised the credit card points exchange rules: from September 20 18/day, in a single natural month, Minsheng Bank will set the upper limit of the accumulated credit limit of points according to twice the customer-level credit limit of activated cards (excluding business cards and account cancellation cards) in customers' names. From 20 18 12 15, the shuttle service at domestic airports/railway stations and the shuttle service at overseas airports provided by Ping An Bank related cards and activities are only available to cardholders who have obtained this right?
According to industry insiders, the large-scale adjustment of credit card integral rights and interests, especially the air mileage accumulation rules, mainly comes from two considerations: controlling costs and cutting off the interest chain of the bonus hunter family.
As the saying goes, 360 lines, each line is the best. In the Internet rule arbitrage industry, our own industry talents have also been born, which is what we call the professional "bonus hunter" group. At first, "bonus hunter" was only active in O2O platform and e-commerce platform, but with the rise of internet finance, the "bonus hunter" family began to March into the financial field.
In the early stage of credit card promotion, in order to enhance the activity of card issuers and cardholders, so that the issued cards can be activated and used, the card issuing banks have invested a lot in card consumption, and invested heavily in various card-using activities, such as card opening ceremony and redemption of mileage rewards with card points.
In this context, the professional "bonus hunter" clan can continue to multiply. According to the reporter, the standard of "bonus hunter" family is generally more than a dozen credit cards. They are quite familiar with the functions and rights of different types of credit cards in banks, so as to get the maximum discount at the lowest cost. The more credit cards, the more benefits. The more credit cards, the more points you can get and the more benefits you can redeem.
So how did they profit from it? For "bonus hunter" people, selling all kinds of benefits provided by credit cards is one of the main ways for them to make money. Take the activity of exchanging points for Starbucks coffee coupons launched by a joint-stock bank as an example. After the exchange, the "bonus hunter" set their own prices and then resold them to earn income. On a second-hand trading platform, we sell food coupons, coffee coupons, movie coupons and other commodities exchanged with credit cards.
Among them, because the ticket exchange is not restricted by the person who must be himself, it is the most malicious rights and interests project in bonus hunter. "China Southern Airlines 12000 mileage is almost equivalent to more than 800 kilometers of air tickets. Generally speaking, 25 points of a credit card can be exchanged for 1 mileage, and the air tickets of China Southern Airlines, China Eastern Airlines and Hainan Airlines exchanged by credit cards are all collected. " Professional "bonus hunter" Lao Li (a pseudonym) told reporters.
Under normal circumstances, the "bonus hunter" team takes advantage of the loopholes in the rules to participate in full cash back, point redemption and rights enjoyment, so as to obtain the maximum rewards and benefits in a real and legal way. It is understandable to grab a handful of wool from the bank, but under the temptation of interests, some "bonus hunter" clans seriously stepped on the line.
Han Yuanyuan, a credit card analyst, pointed out that cashing and arbitrage have become the usual profit-making means for professional "bonus hunter" groups. Cashing refers to taking cash for other purposes through false credit card transactions, and at the same time obtaining corresponding credit card consumption points. Arbitrage is to convert the huge points obtained from cash transactions into air miles, objects and so on. And then sell it for profit, or sell it directly to the "yellow cattle" for profit.
From 20 18, some bank credit card centers adjusted the service content of points redemption mileage, and formally launched a struggle with the professional "bonus hunter" group.
Industrial Bank announced that since July 1 day, 2065438, the upper limit of total credit card points for automatically redeeming airline frequent flyer miles (points) in a single natural year for different levels of airline co-branded cards of the same airline has been adjusted from 1.2 million points to 600,000 points.
Guangfa Bank said that since July 1 day, 2065438, each household can exchange up to 50,000 miles per natural year, and only high-end cards such as World Card, Unlimited Card and Platinum Card for business travel can exchange up to 50,000 miles, and the points of other credit cards can only exchange up to 30,000 miles per year.
The data shows that ICBC and China Merchants Bank issued more than100000 credit cards in the first half of 20 18, while China Construction Bank and Ping An Bank issued 8.49 million credit cards and 9 179800 credit cards respectively.
With more and more newly issued cards, the cashing and arbitrage of professional "bonus hunter" will also affect the rights and interests of more and more normal cardholders. During the interview, a cardholder said that the credit cards of various banks will launch some preferential activities from time to time, many of which have become the bag of professional "bonus hunter", but normal cardholders often can't grab them.
According to industry sources, the large-scale adjustment of credit card points by banks is mainly due to two considerations: controlling costs and cutting off the interest chain of "bonus hunter". The adjustment of credit card points rules can directly and effectively control the excessive use of resources by professional "bonus hunter" families, thus distributing the rights and interests to real cardholders and high-quality users (with houses, cars and deposits), but the shrinking of credit card benefits will undoubtedly affect normal cardholders.
"In the future, the reduction of credit card points will be the general trend." The financial analyst of Changsha Branch of Industrial Bank suggested that citizens can cancel credit cards that are not commonly used and concentrate a few purchases to facilitate the accumulation of points; At the same time, choose the best time to use the card, such as birthday, and enjoy the double points courtesy given by the bank; In addition, pay more attention to the promotion activities of doubling bank points or redeeming points.
The above is what I introduced to you about "the credit card" bonus hunter "was blocked, and the benefits shrank?" I hope this article I compiled is useful to you.
Disclaimer: The operation suggestions in this paper only represent the views of third parties and have nothing to do with this platform. Investment is risky, so be cautious when entering the market. Deal with it accordingly at your own risk.
This concludes the introduction of credit card ranking and credit card bonus hunter application. Did you find the information you needed?