How to play well with credit card "Four"

This article may be the last article in the entry-level stage of credit card. After the research is done, we are really going to the battlefield.

The first: China Merchants Communications, Agricultural Bank of China, CCB Postal Savings

The second: ICBC, Bank of China, CITIC Everbright Guangfa

The third: safety, people's livelihood, prosperity , Pudong Development, Huaxia Development

Fourth: Beijing, Shanghai, Guangzhou and other city commercial banks and rural commercial banks.

The order is not absolute, just a reference suggestion. It cannot be said that you have to win all the four major banks before applying for the following commercial banks. It can be adjusted appropriately according to the actual situation.

If you are not determined to apply for all bank credit cards, you do not need to follow this order. Which bank has good activities, which bank do you like, which bank has more money, apply! Just follow your heart's desires.

1. The first card, which is what we often call "white account", is recommended by individuals to apply for their own issuing bank, or their own savings card bank, or a bank with which they have more contact. . Because I have a "white account", only banks with which I have more contacts can give me a higher limit, which is easier to pass.

2. If there are white accounts without staff, it is generally recommended to give priority to transportation or investment, because these two banks are easier to apply for cards and are more friendly to white accounts. Moreover, it attracts business quickly and has a low traffic threshold, which are both good things.

3. Priority will be given to banks that care about the number of cardholders, namely the four major state-owned banks and foreign banks: China Construction, Agricultural Bank of China, Bank of China, Industrial and Commercial Bank of China, and China Everbright.

Note: Personally, I suggest that China Construction Bank and Agricultural Bank of China must give priority to applications. Many people are above the 5th line, and it is difficult to get access to CCB (except for removing bricks).

4. Then apply for a commercial bank with a relatively large number of banks: such as CITIC, Minsheng, Pudong Development Bank, Guangfa, Ping An, Everbright, Industrial Bank, and Huaxia.

5. Finally, there are various local banks.

6. ICBC: Auntie Bank, Universe Bank.

3354 Because the industrial and commercial tellers are generally older, their attitude towards doing things is just like the name of the Universe Bank, they are indifferent.

3354 Young man, don’t stare at me, Auntie, I haven’t been afraid of anyone yet!

7. Agricultural Bank of China: Old Farmer

3354 is slightly vulgar. Old farmers do have the honest nature of farmers. Not to mention stealing his wool, just stealing the melons from his field. At most, I will scold you.

8. Bank of China: Imperial Bank and NRIC Bank.

3354 said that Imperial Bank is all patriotic classmates, and Brick Bank is because Bank of China only recognizes how many Bricks (deposits) you have in its bank when it approves credit cards.

9. China Construction Bank: cheap and cheap.

10. Bank of Communications: Jiao Jiao and Gillian

A nickname given to him by fans before 3354. The current risk control is the strictest in the entire bank, and Jiao Jiao is no longer the same as before. Now Jiao Jiao is very squeamish and will greet you whenever you pay without a card. After playing this card, you will find that Jiao Jiao is the person who cares about you the most.

11. China Merchants Bank: Xiao Zhao, Xiaomao and Meow.

3354, as the name suggests, is really gentle and considerate, with considerate service, but! Also called bad behavior, sometimes it is outrageous and you don’t know how to repent of your mistakes.

12. Shanghai Pudong Development Bank: Monkeys and Primates

Before 3354, someone randomly applied for Pudong Development Bank’s AE White. Some people can't get AE white even after moving hundreds of bricks, and they can't figure out its character. This is mainly caused by irregular operations.

13. CITIC Bank: Iron Rooster and Crab

3354 CITIC refuses to raise funds all year round, so it is called the Iron Rooster; the rules often change and the system often makes mistakes. Once, a crab jumped out and said there were too many enemy soldiers ahead. Treating customers as enemies is the first rule.

14. Guangfa Bank: Abandoned Bank.

3354 Guangfa=waste, the CEO of China Guangfa Bank failed to recover.

15. Huaxia Bank: Huajie Hexing Dad Bank.

16. Postal Savings Bank: Old friend

17. Everbright Bank: Bald and strong, no good.

18. Industrial Bank: Industrial Bank

19. Air China: Air China

20. China Eastern Airlines: Mudanjiang Airlines

21. SkyTeam: Ukrainian Alliance (Every time someone calls it this, a group of gold and platinum members of China Eastern Airlines and China Southern Airlines will jump out and curse.)

22. Jakarta: Asia Miles, Da Mileage bonus program of CJK and Cathay Pacific Airways.

23. Gold Card Member: Dog Card (Gold Card)

24. Platinum Member: White Dog

25. CC: Flight Atte

Moving bricks: depositing money in the bank. For example, in Xiaozhao, you need to move 50 bricks for three months to open the golden melon seeds.

Guazi: CMB Financial Card Sunflower, the only way to go for CMB’s classic white card.

Protection fee: Installment fee. People who have done something wrong to the bank can actively or passively receive the bill installment from the bank.

Daikokuya: I did something sorry for the bank. The bank made no profit from him, reduced the amount, and blocked the card. At this time, there is only one option available, which is to cancel the card.

Card-to-card: Some banks allow you to use other banks’ credit cards to apply for their own credit cards, such as Shanghai Pudong Development Bank.

Grave digging: After failing to apply for a credit card, after a period of time, the bank actively digs out your information and gets the card through review.

Smuggling: applying for a credit card through abnormal means. Recently, Pudong Development Bank Express Card and Bank of China World Card are more famous.

Waiting: Banks approve credit card applications in large quantities, or increase credit limits in large quantities.

Tear: Tips for asking banks, hotels, and airlines for advice. If you tear it well, you can make a fortune. For example, the Asian doctor who was at odds with United Airlines is now financially free.

336: ICBC’s unique card application method is fast and has various platinum cards under one platinum card name, with no annual fee.

Path: A particularly subtle piece of information, a tool used by individuals to make money, most of the time only exists in the hands of a few people. When it appeared in front of everyone, it was already dead.

DLB: A group of terrifying creatures who dare to challenge all the rules. Sometimes they make a lot of money, sometimes they lose everything.

Scalpers: Vouchers for various coupons are farmed most of the time, and sometimes they run away.

Freeze: Bank of Communications’ special withdrawal method. Stop using Bank of Communications credit cards for 3-9 months.

, just increase the quota; if you stop using it for 12 months or more, the quota will drop to 500, which will freeze you to death.

Plucking wool: A sentence from a sketch by Zhao Benshan and Song Dandan. Plucking the wool of socialism refers to a specific behavior in order to get rewards for bank activities. Don’t look down on those who are plucking wool. Who is the classmate who is plucking wool? How many legs of lamb have you picked up?

Leg of lamb: a reward worth thousands or tens of thousands.

Counterattack: Also called counterattack, there are many people who fail to follow or understand the rules and are turned over by banks or hotels.

The Wool Party: a loose organization that specializes in looking for various small profits. Some people aim to add a tea egg every day, some aim to add a chicken drumstick, and senior party members aim to make huge profits.

Vegetable card: As the name suggests, it refers to a card that can only be used to buy groceries. It generally refers to credit cards with a limit that is too low to meet large purchases. Originated from ICBC, commonly known as Aunt Bank. Because the credit limit approved by ICBC is related to deposits and current assets, many people only get cards approved for 500 or 1,000, which is very useless. Card friends jokingly said that this was approved by their aunt to buy vegetables in the supermarket, so the term "vegetable card" came into being.

Package pressing: refers to the failure to submit the application to the higher-level approval department in time when applying for a credit card at a bank outlet or salesperson channel, especially when filling out a paper application form. You want to accumulate more pieces. Submit it again; or if this month's tasks are completed, they are postponed to next month so that next month's tasks can also be completed smoothly, resulting in delays in application submission.

Pledge Dafa: Originated from ICBC.

ICBC provides pledge loan products. You can use your term or financial management as pledge to apply for a loan from ICBC. The maximum application amount is 90% of your term or financial management amount. The pledge is this fixed term or financial management, which you cannot use temporarily. Only after you pay off the loan corresponding to the pledge, you can use this fixed term or financial management again. The initial capital is 50,000. After ten operations, your assets in ICBC have increased seven times to 343,000. In this way, you invest 50,000 and achieve 7 times the leverage. In this way, placing a card or increasing the limit will be extremely effective!

Curve line limit increase: There is no limit increase for a traditional single card. You can reapply for a card and use the minimum limit of certain cards or the re-approved limit to achieve the limit increase. For example, with CCB, if you have a CCB non-platinum card, the limit is less than 20,000, and you can't withdraw it for life or death. Then you apply for a bat card, and the limit is at least 20,000 after you place the card. Then you call customer service to adjust the old card limit to the new card limit. This is the so-called "curve increase".

You can always hear the 400 customer service saying this, please diversify your consumption to help increase your quota.

What is diversity?

For example, online payment: consumption on various WeChat, Alipay, JD.com, etc.

For example, offline consumption: consumption on card, UnionPay, PAY, etc.

For example, entertainment venues such as department stores, hotels, restaurants, KTVs, bars, etc.

Remember not to use them for consumption in various wholesale markets, exemptions, discounts, etc.

For example, appropriate Installment

For example, appropriate overseas consumption

25 3 1 method

In fact, it refers to the number of times the card is swiped for consumption, but the amount of swiping is different. Let’s follow Let me give you a detailed analysis of this card maintenance method~

The 25 small purchases here are not necessarily exactly 25, just around 25 purchases. For intensive card maintenance, the monthly consumption is 20. For the above, if it is general farming, it will be more than 10 transactions. If it is intensive farming, for small amounts, it will be more than 20 transactions per month.

It is best not to exceed 30 of the total limit for medium-amount consumption. If the card limit is 1W, it is recommended to spend 10-30 of the limit, that is, you can spend 1K-3K.

When spending, try to avoid the consumption amount reaching 60 of the total amount, because if a consumption reaches 60, it is very easy to be risk controlled by the bank, so when making large amounts, it is recommended to control the amount to 30-50 About 10,000 yuan can be spent around 3k or 5k, but never exceed 6k.

Note: The above are all suggestions from the Internet. In many cases, it depends on personal qualifications. Some people can easily increase their quota by playing casually.

There are prerequisites for raising your card quota. The main premise is the personal comprehensive credit limit. For example, the upper limit of the bank's comprehensive credit limit based on your qualifications (job, RV, deposit, etc.) is 500,000. No matter how well you maintain your card, you can't break the upper limit. At this time, you must rely on Hardware is coming, such as what everyone calls brick moving. Related questions and answers: