Which credit cards offer gas discounts?
The credit cards with gas discounts include the following: Minsheng Bank Car Owner Card Gold Card and Platinum Card gas rebates; GF Tuhu Car Ownership Co-branded Card for monthly gas refueling Cash back; ICBC Auto Plus Card gets cash back when you refuel at China Petroleum gas stations every Sunday; Great Wall Global Auto Credit Card gets cash back when you refuel; Ping An Car Owner Card gets 12% off on refueling, etc.
Each bank has promotions for refueling. Credit cards other than car owner’s cards will also provide refueling discounts, cash rebates and other discounts.
Origin of credit card products:
The earliest credit card appeared at the end of the 19th century. In the 1880s, the British clothing industry developed so-called credit cards, and the tourism and business sectors followed suit. However, the cards at that time could only be used for short-term commercial credit, and the money still had to be paid as and when used. Long-term arrears were not allowed, and there was no credit line.
A credit card is generally a special carrier plastic card with a length of 85.60 mm, a width of 53.98 mm, and a thickness of 1 mm. The name of the card issuer, validity period, number, cardholder name, etc. are printed on the front, and there is a chip on the back. Magnetic strip, signature strip. Cardholders can use their credit cards to shop and spend money with special entities and deposit and withdraw cash from banks.
It is said that one day in the 1950s, American businessman Frank McNamara was entertaining guests for a meal in a New York hotel. After the meal, he found that he had forgotten his wallet and had to call his wife to bring cash. McNamara came up with the idea of ??starting a credit card company because he felt embarrassed about paying the bill at a restaurant. In the spring of 1950, McNamara and his friend Schneider invested US$10,000 to establish the "Diners Club" in New York, the predecessor of Diners Club. Diners Club provides members with a card that can prove their identity and payment ability. Members can use the card to record their purchases at 27 designated restaurants without having to pay cash. This is the earliest credit card. This kind of credit card that does not require bank processing is a commercial credit card.
In 1952, Franklin National Bank in California, USA, was the first financial institution to issue a bank credit card, becoming the first bank to issue a credit card.
In 1959, Bank of America issued the Bank of America card in California. Since then, many banks have joined the ranks of card-issuing banks. By the 1960s, bank credit cards were quickly welcomed by all walks of life and developed rapidly. Credit cards became popular not only in the United States, but also in the United Kingdom, Japan, Canada and European countries. Since the 1970s, Hong Kong, Taiwan, Singapore, Malaysia and other regions have also begun to handle credit card services.
In the 1960s, credit cards sprouted and developed rapidly in developed European and American countries such as the United States, Canada, and the United Kingdom. After more than 50 years of development, credit cards have been widely accepted in more than 95% of countries around the world. In the 1980s, with the reform and opening up and the development of market economy, credit cards began to enter China as an electronic and modern consumer financial payment tool. In the past ten years, they have developed by leaps and bounds.
After experiencing the financial crisis and the ups and downs of the domestic economy, my country's credit card market rebounded in 2016. By the end of 2016, the total number of domestic credit cards issued had exceeded 590 million. In 2016, the national credit card consumption transaction amount reached 741.81 trillion, an increase of 10.75%, and the proportion of credit card consumption in the total retail sales of consumer goods continues to increase. [6-7]
According to the "2013-2017 China Credit Card Industry In-depth Research and Investment Strategic Planning Analysis Report", since 2010, in order to restrain the rapid rise in asset prices and control inflation, the Chinese government has implemented It has implemented a sound monetary policy and adopted a series of moderate tightening measures, indicating that macro-prudential and strengthened capital supervision have become the core of China's banking industry supervision. Various tightening money supply operations and capital constraint policies have an impact on the liquidity levels and capital constraints of China's commercial banks. The pace and structure of credit disbursement have had far-reaching consequences. The analysis believes that the evolution of the industry structure has further optimized and diversified the product portfolio, and also increased the research and development of new industry standards and mobile payments; credit penetration has deepened; and the installment business has developed in depth.
In February 2012, the bank confirmed that credit cards without passwords are more secure, and they will share the responsibility if the credit card is stolen.
Enjoy an interest-free period of 25-56 days (or 20-50 days). Card consumption enjoys an interest-free period, and there will be no fees if you pay off the bill before the due date. There is no interest-free repayment period for cash withdrawals. A daily interest rate of 0.05% will be charged from the day of withdrawal, and the bank will also charge a certain percentage of cash withdrawal fees.
China’s credit card market is still one of the fastest-growing product lines in China’s personal financial services market. Although the economic benefits of the industry are full of challenges, driven by economies of scale and growth in consumer spending, China’s credit card market will continue to grow in the next 10 years. The average annual growth rate of credit card issuance will remain at around 14%, and profitability will also tend to improve;
According to a report released by the People’s Payment and Settlement Department of the People’s Republic of China, as of the third quarter of 2021, credit card and lending contracts will There were 798 million cards, a month-on-month increase of 0.97%, and the per capita number of credit cards and debit cards combined was 0.57. [19]
Which bank credit cards offer discounts on gas?
Card cards that offer gas discounts include: Minsheng Bank Car Owner Card Gold Card and Platinum Card with cash rebates on gas; Guangfa Tuhu Car Ownership Co-branded Card monthly Cash rebates for refueling; ICBC Auto Plus Card rebates for refueling at China Petroleum gas stations every Sunday; Great Wall Global Tongda Auto Credit Card rebates for refueling; Ping An Car Owner Card provides 12% discount for refueling, etc.
CreditCard is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit.
The form of a credit card is a card with the name of the card-issuing bank, validity period, number, cardholder name, etc. printed on the front. Consumers holding credit cards can go to a special commercial service department for shopping or consumption, and then The bank makes settlements with merchants and cardholders, and cardholders can overdraw within the prescribed limit.
The functions of credit cards:
1. It facilitates people’s lives and saves them the trouble of carrying cash. There are no geographical restrictions on the use of credit cards. No matter when you swipe the card anywhere in the country, As long as there is a UnionPay logo, you can swipe it, and there is no handling fee;
2. You can participate in various preferential and discount activities cooperated by merchants and banks;
3. Earn money from swiping card purchases Points can be redeemed for gifts;
4. Timely repayment after swiping the card will improve personal bank credibility.
Uses of credit cards:
1. Shopping.
2. Microcredit.
3. Save money.
4. Save money when shopping.
5. Credit card value-added services, get cheap insurance and travel.
6. Credit certificate.
Credit card cash withdrawal methods are:
1. Cash withdrawal at the counter:
Card holders can bring their credit card to any bank counter and submit a cash withdrawal application to the staff. , and then enter the withdrawal password with its help to withdraw cash.
2. Bind the card to withdraw cash:
The cardholder can bind the credit card to a peer savings card in credit card online banking, and then transfer the credit limit to the savings card. Then use the debit card to spend, this behavior is also called cash withdrawal.
3. Withdraw cash from an ATM teller machine:
Insert your credit card into the ATM teller machine, enter the payment password of the credit card, select cash withdrawal, then enter the cash withdrawal amount, and finally confirm.
The methods of credit card repayment are:
1. Repayment through ATM machine. Cardholders can go to the bank's ATM machine, insert the card for deposit, and deposit the money into the credit card to repay the money.
2. Mobile banking repayment. All major banks have mobile banking software. Once installed on your mobile phone, you can repay credit cards.
3. Alipay repayment. Alipay has a credit card repayment function. Click "Credit Card Repayment" on the homepage to repay after binding the credit card.
4. WeChat repayment. There is a credit card repayment function on WeChat. Click "Me" - "Pay" to see the "Credit Card Repayment" function.
5. Repayment at bank counter. Cardholders can go to bank branches with their credit cards, ID cards and cash and handle credit card repayment over the counter.
Which credit card bank offers the best gas discounts?
Taken together, Bank of Communications Platinum Card (Bai Qilin) ??and Ping An Bank Car Owner Credit Card are relatively the most cost-effective!
The Bank of Communications Platinum Card (Bai Qilin) ??gives you 13% cash back when you refuel on Fridays, with a maximum rebate of 50 yuan every Friday (that is, 385 yuan for refueling), and a maximum rebate of 100 yuan for refueling twice a month. 1,200 yuan per year.
Ping An Bank’s car owner credit card offers a 12% discount, equivalent to a 12% rebate, and a maximum of 200 yuan in gas consumption credits.
If we make a comparison between the two, the Bank of Communications Platinum Card (Bai Qilin) ??has a maximum rebate limit of 50 yuan per week and 100 yuan per month. It is suitable for car owners who don’t spend much on gas because the rebate amount is small. If the upper limit is exceeded, the return ratio is still advantageous.
If the monthly gas consumption is large, for example, more than 2,000, the discount of the Ping An Car Owner Card can reach 200, which is more advantageous than the Bank of Communications Platinum Card (Bai Qilin).
Some other gas rebate discounts are good. For example, China Merchants Bank Carcard can give you a maximum rebate of 5%, and Bank of China’s Great Wall Global Tongda Auto Card has a 50-yuan cash rebate equivalent to 5%.
Benefits of credit cards:
1. It can solve urgent needs. Generally, credit cards have an interest-free period of 50 days (or more);
2. It can increase creditworthiness. : Frequently using a credit card and using it in good condition will increase your credit with the People's Bank of China, so that when you apply for a loan to buy a house in the future, you will have a higher limit than someone with the same conditions.
3. You can avoid the trouble of carrying cash: for example, when staying in a hotel, you can swipe pre-authorization (bank cards do not have this function), and then swipe spending money when checking out; when booking air tickets, you can pay by phone Apply and pay by credit card (ordinary bank cards cannot be prepaid in advance), eliminating the trouble of bringing cash to the counter for settlement.
4. Points can be accumulated: all bank points can be exchanged for gifts (such as air miles, gifts, recharge cards, etc.). For example, the ratio of consumption to points of Bank of Communications is 100:1, 100 Points=1RMB. and other credit card discounts.
Disadvantages:
1. If you cannot repay on time during the repayment period, it will leave a stain on your credit in the bank and enter the blacklist, so that you can borrow money to buy a house in the future. It is very difficult to get a car;
2. The interest rate for withdrawing cash from a credit card is very high;
3. If the credit card does not have a password and is lost, the one you find can be used to wipe out your own money;
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4. There are two ways to repay credit cards: full amount and minimum repayment amount. It is recommended that I choose the lowest payment amount.
Which card has a higher gas discount
Minsheng Bank credit card has a higher gas discount.
The specific bank credit card refueling discounts are as follows:
1. China Merchants Bank Car Owner Card: Refueling at designated gas stations, generally 3% of the refueling fee is subsidized, and 5% is subsidized on Fridays, with a monthly maximum Subsidy is 30 yuan.
2. Ping An Car Owner Card: Up to 12% off, monthly subsidy of 80 yuan.
3. Minsheng Car Owner Card: 5% fuel subsidy for monthly consumption of 1,500 yuan, upper limit of 50 yuan.
The English name of gasoline is Gasoline (US)/Petrol (UK). It is a transparent liquid in appearance and flammable. Its distillation range is 30°C to 220°C. Its main components are C5 to C12 aliphatic hydrocarbons and naphthenes. , and a certain amount of aromatic hydrocarbons. Gasoline has a high octane number (anti-knock combustion performance), and is divided into No. 90, No. 93, No. 95, No. 97 and other brands according to the octane number. Gasoline is produced from different gasoline components such as straight-run gasoline components, catalytically cracked gasoline components, and catalytically reformed gasoline components obtained through petroleum refining, after being refined and blended with high-octane components. It is mainly used for automobile ignition. fuel for internal combustion engines.
On October 27, 2017, the World Health Organization’s International Agency for Research on Cancer released a preliminary reference list of carcinogens. Engine exhaust and gasoline are included in the list of Class 2B carcinogens.
1. Preparation method
Gasoline is produced by crude oil fractionation and heavy fraction cracking. During crude oil processing, distillation, catalytic cracking, thermal cracking, hydrocracking, catalytic reforming, alkylation and other units all produce gasoline components, but the octane number is different. For example, straight-run gasoline has a low octane number and cannot be produced separately. As engine fuel; in addition, the sulfur content of impurities is also different, so the gasoline components with high sulfur content need to be desulfurized and refined. After that, the above gasoline components are blended, and high octane components are added if necessary, and finally we get Gasoline products that meet national standards.
2. Important Characteristics
The important characteristics of gasoline are evaporation, anti-explosion, stability, safety and corrosiveness.
3. Classification of uses
Gasoline is one of the most widely used light petroleum products and an important fuel for engines.
According to the manufacturing process, gasoline components can be divided into straight-run gasoline, thermally cracked gasoline (coked gasoline), catalytically cracked gasoline, catalytically reformed gasoline, composite gasoline, hydrocracked gasoline, alkylate gasoline, and synthetic gasoline. Gasoline products can be divided into three categories according to their uses: aviation gasoline, vehicle gasoline, and solvent gasoline. The first two are mainly used as fuel for gasoline engines and are widely used in cars, motorcycles, speedboats, helicopters, agricultural and forestry aircraft, etc. Solvent gasoline is used in the production of synthetic rubber, paint, grease, spices, etc.; the gasoline component can also dissolve oil stains and other water-insoluble substances, playing a role in cleaning oil stains; the gasoline component can also be used as an organic solution and as an extraction agent .
Which credit card offers the best gas discounts
Each bank has different gas discounts. The following is a reference. .
1. Minsheng Bank Cheche Credit Card will get 5% of the refueling rebate if you spend over 1,500 yuan per month, with a maximum limit of 50 yuan;
If you spend more than 2,500 yuan per month, you will get 8% of the refueling rebate. The upper limit is 100 yuan; when you spend 3,000 yuan or more, you get 15% of the gas money back, with the upper limit of 200 yuan; when you spend 6,500 yuan or more, you get 100% of the gas money back, with the upper limit of 500 yuan.
2. Ping An Bank Car Owner Credit Card All Ping An Car Owner Cards can participate in the 12% discount on refueling every day. There are more than 8,000 gas stations (Sinopec, PetroChina) in 48 cities across the country, and you can get up to 80 yuan in refueling rewards every month. gold.
3. When you swipe your CarCard car credit card at designated gas stations to refuel, you will get 3% rebate on weekdays and 5% rebate on Friday.
4 If you purchase a designated insurance product from our bank with the Industrial Bank Rider Credit Card and successfully deduct the insurance premium through the Industrial Bank Rider Credit Card, the amount is RMB 2,000 or more, you can enjoy a postage subsidy of RMB 0.2 per liter.
5. The Bank of China Great Wall Global Tongda Auto Credit Card has points transactions (excluding gas) of 1,000 yuan or more every month, and you can use the card to refuel at any gas station on Friday, Saturday, and Sunday of the month. If you accumulate over 1,000 yuan, you can get 50 yuan cash back.
9. The consumption points of China Construction Bank UnionPay Long Card Auto Card are doubled for oil change, and the points are redeemed as an integer of 10,000 points, 4% for more than 50,000 points; 2% for less than 50,000 points.
Extended information: Major credit card offers
1. Shopping
China Everbright Bank: From now until November 30, 2019, every Monday, Tuesday and Wednesday , starting from 11:00 on each event day, users shopping at Lawson stores in Shanghai can enjoy an instant discount of 10% off for purchases over 20 yuan through the UnionPay QuickPass APP/Sunshine Hui Life APP and binding the Everbright Bank credit card starting with 62 to scan the QR code to pay. yuan discount. Each person is limited to 1 time per day, 4 times per month, 1,000 per event day, limited quota, first come, first served.
China Merchants Bank: From August 15 to September 30, 2019, users can bind a China Merchants Bank debit card and use the China Merchants Bank Mobile Banking App to scan the QR code and pay over 5 yuan to get an instant discount of 3 yuan.
Shanghai Pudong Development Bank: From now until 10:00 on December 27, 2019, users can use Shanghai Pudong Development Bank’s debit card starting with 62 to pay via UnionPay QR code on UnionPay APP or Shanghai Pudong Development Bank APP. Instant FamilyMart offers 50% off on purchases at offline stores across the country every Monday and Tuesday, with a maximum discount of 10 yuan (limited to 1 per person per month, with a limit of 2,500 items per event day).
2. Food
Bank of Communications: From now until September 30, 2019, Bank of Communications credit card users can enjoy 5 major benefits when logging into the Payout Bar APP: 14 days of hunger for free Ele.me super membership/get a 10-yuan Ele.me red envelope/can enjoy 100% points as cash for takeout orders/new customers can enjoy “1-year Ele.me super membership with 50% off takeout for three times”/can redeem a 15-yuan takeout red envelope if the standard is met.
China Merchants Bank: From now until September 17, 2019, users who have linked their cards to Mobile Life can grab Starbucks latte/Starbucks 3 yuan coupons, and have a chance to get Luckin Coffee drinks of 24 yuan/100 yuan Repayment Gold/KFC Ice Cream Cone.
ICBC: Every Monday from July 1 to September 23, 2019, ICBC credit card users can enjoy a single payment at any Starbucks store across the country by using WeChat payment and binding the ICBC card. Get an instant discount of RMB 15 when you spend over RMB 60, and each person can only enjoy the discount once per event day.
Industrial Bank: From September 2 to December 31, 2019, starting from 10:00 a.m. every Monday to Thursday, users can bind Alipay and use Industrial Bank credit cards to pay for Ele.me orders (Orders with the Ele.me PC version, password-free payment, payment by others, and balance payment functions turned off cannot participate), you can enjoy an instant discount of 5 yuan when you spend 10 yuan, 15,000 per event day, and each person can enjoy it 2 times per month (Available on the same day).
Everbright Bank: Before December 31, 2019, users can download and register the Sunshine Hui Life APP, and use the Everbright Bank credit card to pay in the "Excellent Food" section to purchase a 30-yuan real kung fu entitlement at a price of 10 yuan. , each person is limited to purchasing three rights per week. Voucher validity period
That’s it for the introduction of credit cards that provide gas discounts.