You can confirm the purchase the next day

When many cardholders receive insurance sales calls, the general sales staff will tell you that this is the exclusive treatment for VIPs, so to make a decision quickly, it is best to confirm it on the phone on the same day. In fact, even if the cardholder has the intention to insure, he doesn't have to make a decision on the spot. He can go home and check the relevant insurance varieties and specific terms online before making a decision. In fact, the so-called limited offers are basically a cover, and generally reply every other day, which will not have a great impact on the premium. The cardholder can directly tell the salesman that he has the intention to buy, but he must go home and check the insurance terms before making a decision, so that the salesman can call again tomorrow and the day after tomorrow to confirm whether to buy.

of course, if the cardholder knows through other channels that the card center he holds is engaged in insurance preferential activities and he really wants to buy the insurance, he can call the card center directly. For cardholders who are willing to take out insurance, the relevant departments will ask relevant personnel to contact the cardholder actively. However, it should be noted that some cardholders may not be able to purchase insurance products due to certain premium differences due to regional differences and policyholders' differences, and some products have certain restrictions on insured customers.

The premium points are different

For many people who buy insurance through the credit card center, credit card points are also a topic of concern, and not all the expenses for purchasing insurance can be included in credit card points. At present, China Merchants Bank, Shanghai Pudong Development Bank and Bank of Communications all include premiums as general consumption in their bills, so they calculate points, but Ping An Credit Card does not count points when buying insurance.

when the premium is included in the bill as general consumption, it will not be included in the minimum repayment amount, and generally only 5% or 1% will be included in the minimum repayment amount. As a general consumption, delayed repayment requires interest. The interest calculation method adopted by most card centers is five ten thousandths of a day from the day of consumption (the day of premium deduction) until it is fully paid off.