Ok, thank you for your advice. The pit will be closed in the future.
The following is the information I want to share:
Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
The credit card stipulated in the relevant laws of our country (Interpretation of the Provisions of NPC Standing Committee on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. 20 17 12 1, the English translation and writing standards for public services were formally implemented, and the English names of credit cards were specified.
Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.
Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.
From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate).
On May 25th, 2002/KLOC-0, the Supreme People promulgated and implemented the Provisions of the Supreme People on Several Issues Concerning the Trial of Civil Cases of Bank Cards.
The trap of China Everbright Bank's credit card
Everbright credit card is really deceptive, and high interest rate will kill you. The rules are artificially changed, the platinum card is doubled, and the basic points are artificially changed. This is the fucking People's Bank. Let's cancel the card quickly.
Everbright filial piety platinum card, right?
Everbright filial piety is not a public card at present. Currently limited to new tenants. This card can be exempted from the annual fee in the first year, and can be exchanged for the annual fee with 300,000 points in the second year. The rights and interests are relatively complete. There are 4 transfers, more points, tooth cleaning, etc. Parents can take advantage of the rights they don't need. If you want to apply for a card, haha, no matter which bank can do it yourself. Online application through official channels, submitted by offline carpet outlets. Whether the bank approves or not has little to do with the channels it handles, but only with its own situation, such as assets, income, online loans, credit cards currently held, and so on.
I have two Everbright credit cards, a platinum card, a gold card, and a shared credit line. I thought the bill would be shared, so I returned the bill for the platinum card and forgot about the more than 4,000 gold cards.
From the different levels of the card, the difference is mainly divided into two aspects:
1.
The treatment is different: (the same bank) advanced platinum cards are definitely more than gold cards, such as VIP access at the airport, where teeth are dragged and cleaned several times a year for free. Wait, wait, wait. Gold cards definitely have less rights than platinum cards.
2.
The difference of annual fee: the wool is on the sheep. Because the benefits of platinum card are more than gold card, the annual fee of platinum card (from the same bank) is definitely more expensive than that of gold card, and the exemption conditions are stricter than that of gold card. For example, the annual fee for a platinum card may be 3600 yuan, which cannot be reduced. The annual fee of the gold card is 65,438+0, 800 yuan, which can be deducted if you spend enough RMB 200,000 (or equivalent foreign currency) or 200,000 points within one year.
In addition, if you apply for the same cardholder's platinum card and gold card in the same bank, under normal circumstances, the amount of platinum card will be higher than that of gold card, but it is not absolute.
Which credit card points can clean teeth?
Industrial and Commercial Bank of China, China Everbright Bank, China CITIC Bank and other banks all have them, but the details still depend on local measures.
ICBC, China Everbright Bank, China CITIC Bank and other banks all have them. Now many bank cards have launched activities in conjunction with local dentists, depending on the specific policies of local banks.
What is the credit limit of Everbright Xiaoyou Platinum Credit Card? Related to these factors
Everbright filial piety platinum credit card was greatly speculated by the intermediary, and it is said that it is being relaxed. Whether it is the first card or the second card, the card issuance rate is relatively high, and the most important thing is that the amount is also very rich. Then, what is the credit limit of Everbright Filial Piety Excellence Platinum Credit Card? Let's have a look.
How about Everbright Filial Piety Excellence Platinum Credit Card?
Everbright filial piety Excellence Platinum Credit Card is issued in the form of a set of cards, which consists of a UnionPay Platinum Card+1 MasterCard World Card. The theme of the card is yellow+blue, which is made by bronzing process, and you can see a vague concave-convex feeling, which is regarded as the responsibility of face value+rights and interests by many people.
This card is full of rights and interests, including Longteng, transportation, accompanying medical treatment, physical examination and tooth cleaning. The important thing is to be shared by parents. After the main cardholder swipes the card first (within 7 working days), the beneficiary information can be set in Sunshine Life APP- High-end Privileges-Privileges. Enjoy the rights and interests of Life-Personal Center-My Service-Xiaoxin Card, and guide the beneficiaries to operate and use the rights and interests according to the prompts.
What is the credit limit of Everbright Xiaoyou Platinum Credit Card?
As for the amount that everyone cares about, according to feedback from many friends who have successfully issued cards, the amount is generally not less than 30,000, but everyone has different qualifications and the amount of cards approved is also different. Generally speaking, the bank will approve the card and grant credit according to the applicant's age, credit, income, bank assets, position and other relevant factors.
If you are not satisfied with the card amount, you will have the opportunity to withdraw cash as long as you insist on using the card. You can apply for a temporary limit after using the card 1 month, and you can apply for an increase in the permanent limit after using the card for 6 months. Whether the withdrawal can be successful is subject to the approval result of the bank.
Let's stop here for the introduction of tooth cleaning with Everbright Credit Card.