Credit card slang: What do "moving bricks", "wool" and "leg hair" mean?

Just like "Zongzi" and "Ghost Blowing Lamp" in Tomb Raider Notes, the credit card industry also has its own argots. In this issue, Mr. Aika will share these argots with you.

Basic commonly used words

Brick

"Brick" specifically refers to 10,000 yuan, and "brick" means depositing money in a bank to obtain a high-end debit card or Credit card placement opportunity. For example, the requirement for CMB Golden Sunflower card is 50 bricks, which means 500,000 yuan.

The term "brick" comes from the appearance of ten thousand yuan, which looks like a red brick.

Wool

Credit/bank card points or activities that can obtain benefits/rights, "wool", that is, through activities to obtain points or use benefits/rights, such as Pudong Development AE The free three-time airport pick-up and drop-off, 9 CITIC points benefits, etc. can all be called "wool".

Wool comes from the sheep, and "gathering the wool" usually requires time or money. Occasionally it is free, and sometimes it is "reversely harvested", which means that the time/money cost is greater than the wool itself.

At present, the concept of "wool" is no longer limited to banks, but has been extended to hotels and airlines, and is divided into "small wool" and "big wool".

Guiyuan

At first it referred to beautiful female bank tellers, and later it generally referred to tellers.

Protection fee

The installment fee or handling fee paid by cardholders in order to apply for a card or increase the limit.

Black Room

Early referred to the VIP room of China Merchants Bank. Later, it generally referred to the blacklist of cardholders who entered the bank due to violations, refunds, etc., such as the Black Room of China Merchants Bank. Houses (temporary quotas cannot be raised, etc.) and Pudong Development’s small black houses (single digit red envelopes), divided into short-term and long-term.

Apply for a card with a card

As the name suggests, you can apply for a card from another bank through the bank card you already hold. If you hold Pudong Development Super White, you can use it as one of the application materials when applying for China Merchants Bank AE White/Private Banking. Similar to this is the term "matching" for hotel membership cards. Holding an SPG Gold Card can match Marriott Gold. Unlike bank cards, such "matching" is done for different hotel memberships of the same company.

Leg Hair Card

A card that uses ATM machines to withdraw cash and then repay the money in exchange for credit card points, such as the "Leg Hair Card" of China Merchants Bank, which waives the formalities for the first cash withdrawal every month Fees - YOUNG card, GQ co-branded card, Weibo master card, etc. You can get 100 points every time you withdraw 2,000 yuan from a single card.

China Merchants Bank's "leg hair stuck" problem has become a last resort since May this year.

Bank

Xiao Zhao-China Merchants Bank

The homophonic pronunciation of "Zhao" is sometimes spoofed as "bad bank".

Aunt Bank-Industrial and Commercial Bank of China

It is said that most of the tellers in other banks are young women. ICBC takes the "Lufthansa" route, and most of the tellers are older women. It is jokingly called "Aunt Bank", and some cardholders also call ICBC "Universal Bank". This is because ICBC once had the highest market value among many banks, so it was jokingly called "Universal Bank". Mr. Aika prefers "Aunt Bank". , seems friendly.

Abolition of Bank - China Guangfa Bank

I have to admire the wonderful idea of ??card friends, who combined "Guang" and "Fa" into one, and the "Abolition" of Bank was thus Come.

Mr. Aika feels that the term "bank abolition" reflects the low cost performance of China Guangfa Bank's credit cards. However, China Guangfa Bank has made great efforts recently and is a promising stock.

Monkey Bank - Shanghai Pudong Development Bank

Card issuance is arbitrary and irregular. For example, AE is white. Some cardholders can apply online in seconds, while some cardholders have a lot of credit cards, and other banks are high-end. The card blessing was rejected instantly, so card friends nicknamed it "Monkey" or "Monkey Walk";

Some card friends said that Pudong Development Bank once held a "Great Sage" event and got its name. Mr. Aika even said I like the former expression.

Brick Bank - Bank of China

The credit card limit is provided entirely based on deposits, so it gradually became known as "Brick Bank".

Card Organization

International credit card organization, bank card transfer clearing agency, bank card clearing business refers to the responsibility for multiple banks or franchises engaged in financial business when bank cards are traded across banks. Liquidate funds between institutions (non-financial payment institutions) and assist in completing fund transfers.

There are currently six major card organizations:

VISA International, abbreviated as V

MasterCard International, abbreviated as M

American Express International Co., Ltd. (AmericaExpress), abbreviated as AE

China UnionPay Co., Ltd. (ChinaUnionPayCo., Ltd.) has no English abbreviation. . .

Diners Club

JCB Japan International Credit Card Company (JCB)

Others

There are also some such as LLJ , TD, TX, big chicken, small chicken, etc. will not be mentioned here, everyone can understand them.

Okay, that’s it for this issue’s guide on how to “hack” credit cards for newbies, hoping to help more novice cardholders get started quickly.

Financial Management | Harvesting - A brief discussion on the trade-off of credit card rights

Premise: This article is suitable for people with low annual income levels and who do not want to open a credit card with a rigid annual fee.

There are many different types of wool rights. For example:

Fitness (five-star hotel fitness, golf - 36+1 sports rights of CITIC high-end cards, etc.)

Medical care (dental cleaning (China Merchants Bank Classic White), expert registration , physical examination)

Entertainment (movies, performance tickets)

Food (restaurant discounts)

Shopping (online and offline, domestic and overseas)

< p>Airport (VIP, cip)

Car (refueling, rescue, car wash)

When we are doing reading comprehension, we will be asked "the author's intention".

When we use credit cards, we should also think about the bank’s intentions. Of course they want to make money, and the way to make money is to hope that you can spend more. The way we spend more money is to "change from luxury to frugality" - when we realize the benefits of upgrading consumption, we will realize that there are still these items that we can buy, and then we will get out of hand.

1. Save. You know, for most people, a credit card itself cannot help you make money. It basically can only make you more affordable when purchasing benefits (usually non-basic expenses). So when you see a benefit, first ask yourself whether you need it or not. If not, just pass it.

2. Streamline. Because there are so many different types of cards, it is very easy to forget to repay, especially forget to make enough purchases and the annual fee will be deducted, so that a computer is required to record it. Therefore, we must first streamline the rights and interests and give up those dispensable rights and interests. Secondly, the number of cards and banks must also be streamlined.

3. Diligence. Wool is usually short-lived, so opportunities need to be seized quickly.

But we first need to tell ourselves that there is no free lunch in the world - the wool comes from the sheep.

With this belief, let us analyze whether we need this kind of rights.

a. If you need this kind of rights and interests, you can enter this pit;

b. If you don’t need this kind of rights and interests, it depends on whether it is easy to grab. If it is difficult to grab, don't join the trap. If there is no limit on quota or it is very easy to grab -

b1. If the rights are easy to transfer and can make money, you can consider joining the trap;

b2. If this right is not easy to transfer, but it is still relatively affordable, and you are willing to enjoy this kind of consumption upgrade, you can enter the trap as appropriate;

b3. If this right is not easy to transfer and the price/performance ratio is not good If it is high, you can avoid falling into the pit.

I think to judge whether an equity is worth it, you can roughly estimate how much you are willing to spend to buy it.

For people whose monthly consumption is too small, there is no way to get too many points without using the "chicken farm" method. For them, rights are far more important than points.

For those who do not exchange points for miles, points are not very valuable. The points are basically around 500-1000:1 to redeem for other things.

If the points are not enough to redeem the annual fee, you may want to consider canceling the card. Does this mean that this card may not really be suitable for you? Unless the benefits provided here are strictly needed.

I currently have: Shanghai Pudong Development Bank (UnionPay, Youth Card, jcb, visa) and Bank of China (visa and jcb).

My consumption habits: Online payment accounts for more than 50%.

The rights I need now:

Shopping (overseas shopping, online shopping), medical care (dental cleaning, registration), food (for dinner parties), car (refueling, car washing).

Visual value 100, 500, 100, 300.

Privileges given up:

Fitness (no corresponding outlets),

Entertainment (at least not needed this year),

Airport (outing The number of times is too few and jcb is enough).

For these items, I have made a few todolists:

This year I will not go shopping overseas (but I must learn this skill). I will first go to the supermarket to buy facial masks and use up all the cosmetics stocks.

Give up your medical rights and do not apply for China Merchants Bank for the time being.

Pufa Food was not covered, and BOC Food was not checked in time. You should continue to check out BOC Food.

Car refueling and car washing: the most important at the moment. Prepare to buy Minsheng in card + Minsheng gas card. 1 card in card + 2 trucks of car white. It is not easy for people who can consume 30,000 yuan a year.

My grass-growing card:

1. Minsheng in card + Minsheng gas card. 1 card in card + 2 trucks of car white. Solve the refueling problem.

2.AE White, the annual fee is equivalent to 1,000. The current god card. I wonder if I should apply.

3. Agricultural Bank of China essence white. Ask the local bank how many bricks are needed.

4. My weed card: Bank of Communications is completely abolished, goodbye.

Personally I think the wool is more worthwhile

China Starbucks. Just use the Huaxia card. Aunt Lan said that all Huaxia cards only have Alipay points. Check what kind of cards have points for online payment.

My wool todo record

Withdraw traffic from Pudong Development Bank before 0423

ICBC 50 coupons before 0430

This is the 2017 account of Xiao Qing Sing Article 12

Category: Hobbies

2017.3.23

How to make money with Ping An Credit Card

Ping An Credit Card pays attention to activities and festivals You can get the wool at a discount.

There are many preferential activities for Ping An Credit Card. At the same time, there will be discount coupons for purchases on the e-commerce platform. You can get wool by using the coupons. At the same time, corresponding activities will be launched during holidays every year, usually only You need to pay attention to the event announcements within a week before the festival, get the coupons in advance, and consume before the coupons expire to enjoy preferential prices.

The purpose of credit card activities is to increase the utilization rate of users, so many corresponding consumption discounts will be provided to promote user consumption. While users enjoy the discounts, the consumption amount will also increase.

Credit card hunting guide: whichever credit card is more affordable

Nowadays, credit cards are becoming more and more popular, and various banks have a lot of card application promotions and card payment promotions. From time to time, Give some small gifts, and many people even apply for the card for the free gifts. It used to be "gathering the wool of socialism", now it's "gathering the wool of banks".

It is relatively simple to use credit cards to "gather wool", because credit cards carry out many activities. As long as you pay a little attention and choose the appropriate credit card when swiping the card, you can smoothly "gather" the "money". ". For example, netizen CXY1 actually received nearly 10 boxes of milk by swiping his Minsheng credit card; netizen "I Have a Happy Tree" used his Shanghai Pudong Development Bank credit card to successfully "pick up" a set of Supor pots; netizen "byby" used his Ping An credit card to "pick up" To 10 yuan movie tickets. Li Si, a young white-collar worker born in the 1980s, is also a member of the "wool tribe". Recently, she "snapped" a good product - a free leisure folding chair when she spent 199 yuan or more on opening the card. "I am an online shopping fanatic and often shop on Taobao. A few days ago, my colleagues recommended me to apply for a Bank of China Taobao card. I did not hesitate to apply for one. Unexpectedly, they are doing promotions and even give away chairs! If you are a new applicant, With Taobao Card, you can get a folding leisure chair worth 100 yuan as long as you make 3 transactions of 199 yuan or more at physical merchants or Taobao Mall, or if you apply for an 'easy installment purchase' business.

It’s really cool to ‘snatch’ a chair from the Bank of China so easily! ”

While everyone is showing off how to “get” “wool” with credit cards, some netizens are also sharing tips on how to “get” “wool” with credit cards. If you also want to use credit cards to “get” “wool”, you might as well come here Let's learn about it. Saving money starts with "gathering" credit cards.

To understand the true meaning of "gathering" credit cards, you must first choose a reliable and easy-to-use credit card to open up the situation. ! From the moment you apply for a card, you can tell whether a credit card is reliable or affordable! Don’t just focus on the small gifts on the salesperson’s desk. The bank will give them when you apply for the card. I understand you when you get real benefits!

Fashionable and convenient online card application is the first choice for more and more new people. Bank of Communications Credit Card has specially launched online credit card application in response to the situation. If you successfully apply for a card, you will receive a 100-yuan card credit. The 100-yuan card credit is not comparable to those things like piggy banks, chopsticks, lunch boxes, etc. And you can stay at home and the card will be used quickly! Mail it to your hand.

Although all kinds of dazzling activities are tempting, in the end, it is more cost-effective to pay less real money! Use Bank of Communications credit cards to cooperate with merchants all over the world, and you can get timely refunds when the card is full. Credit card bonuses and other preferential activities can help everyone save more money. In short, it’s the same gain with less effort!

You can find out by searching on the official website that the Bank of Communications credit card cooperation There are merchants all over the country, including catering, entertainment, and leisure. If you are interested, you can check if there are any stores you frequent. If so, you can’t miss this opportunity! When you swipe your card at most cooperative merchants, you can enjoy the exclusive discounts of the Bank of Communications credit card.

The iconic promotions of the Bank of Communications credit card. Go to supermarkets, gas stations and other cooperative stores every Friday to spend with your card, and you will get a certain amount. If you add the amount, you can get 5% of the credit card refund. This activity is valid for a long time and can provide you with an opportunity to earn credit every week.

Show off your "wool": the poster often does this. I went to a Sichuan restaurant with my colleagues at noon and enjoyed a 20% discount. Based on the 20% discount, I can save almost 20 yuan at a time. It is common to visit more than a dozen times a month. Now, I have a discount of more than 200 yuan. There is also the most popular Friday. If you spend 200 yuan in the supermarket every Friday, you can get 10 yuan of credit card points.

Although the points are only counted as ordinary credit cards. It is a derivative of consumption, but the reuse value behind it is still worth "picking up" again. Especially now, in the eyes of merchants, user loyalty is becoming more and more important, and the use value of points is used to lock in customers. As the tricks become more and more reliable, everyone has to take points seriously - they can "gather" a lot of unexpected surprises!

You know this, you use credit cards to compare when going abroad! Conveniently, you can now get 10 times the points, which is a rare opportunity. Show off your "wool": The poster has used Bank of Communications credit card points to exchange for a lot of stuff, such as Lock and Lock, induction cooker, etc.

No matter which trick you use, if you want to "snatch" the bank's "wool", you must pay more attention to bank activities. Which bank's activities are affordable, use the credit card of that bank.

What does shedding wool mean?

Nowadays, the people represented by those born in the 80s and 90s have a strong interest in some preferential activities carried out by banks and other financial institutions and various merchants, and a group of people have emerged to collect financial information from various banks and other financial institutions. Promotional information from institutions and various merchants is widely disseminated on the Internet and among friends. This behavior is called fleecing.

The definition of "grabbing" is becoming more and more broad, penetrating into various fields. Taxi vouchers, takeout coupons, discounts, free phone calls and many other activities can be called "grabbing".

Extended information

In the spring of 2015, the Bank of Communications Credit Card released content closely related to wool harvesting. For example, it launched: weekly brushes; monthly recommendations - successfully recommended 3 people A 7-inch tablet will be awarded when applying for a card, and a 10-inch tablet will be awarded when applying for a card for 6 people; the 2015 Redtest Friday refueling event; the 2015 Redtest Friday supermarket event; 10 times the points for overseas consumption; 19.99 yuan off for Pizza Hut purchases over 120 yuan;

< p>Successful binding of the mobile terminal will give you 10 yuan of credit card credit, etc. The concept of "Shu Yang" aims to lead cardholders to participate in the credit card activities while creating higher value consumption habits, allowing users to improve their quality of life while enjoying "Shu Yang" Wool brings happiness, and cardholders can also check their wool harvesting results in real time through the official website of the credit card. These are the best manifestations of shearing wool.

Baidu Encyclopedia - Wool Collection

This is the end of the introduction to Credit Card Wool Collection and CITIC Credit Card Wool Collection. Have you found the information you need?