I currently have 10 lines, and the total quota is 82.3W. All the quotas I count are fixed quotas. After all, the temporary quota is just a short-term tenderness, and I don’t want it! What I want is long-term companionship - a fixed amount.

Let me talk about my own experience:

1. Choice of applying for a card

China Merchants Bank was my first card. At that time, the company I worked for was We used China Merchants Bank to pay our salaries. Staff from China Merchants Bank came to our company to open debit cards for new employees. They also opened a business credit card for us. The credit limit at that time was 6,000. At that time, we still had no regard for credit cards. As an observer, I have a very conservative and traditional outlook on consumption. I didn’t activate the card until two or three months after I got it. I remember I was a little nervous after swiping the card for the first time. The bill didn’t come out, so I called customer service to ask what was going on. As soon as the bill came out, I paid it back immediately.

When I think about it now, I still remember it vividly. I feel that I am very silly and cute, and even a little funny. In 2010, WeChat had not yet come out, and mobile banking was not yet popular. I used quick money to pay off my credit card. Before I received a text message saying that the repayment was successful, I was still worried about whether the money would be successfully credited into my account.

Having used credit cards for many years, I still think it is better for newcomers in the Pearl River Delta region to apply for China Merchants Bank as their first credit card, followed by Ping An and Bank of Communications. Girls can also choose Guangfa as an additional option. If you have a bachelor's degree, it is not a bad idea to apply to Huaxia.

2. Jingyang Card

2.1 Rolling bonus period

Everything has its bonus period, and so does credit card limit increase. I remember that in 2012-2013 In the past two years, it is easy to increase the quota. Basically, it is easy to increase the quota when the turnover is high, that is, just spend as much as you want, and you don’t have to worry about the type of consumption.

I had already joined a financial company at that time. At that time, I could help customers pay various fees and collect cash from customers. I could swipe my credit card when paying fees, so my China Merchants and Ping An credit cards increased in those two years. Um, very quickly. There was no such bonus period after that, including when I applied for my third credit card, Hua Xia, and was approved for 28,000. At that time, I applied for a Smart card with a bachelor’s degree. This monotonous process was no longer helpful in increasing the credit limit.

2.2 Chicken Things

In 2014, the hand-swiped chicken market exploded, with major brands of hand-swiped chickens emerging one after another, and the payment market ushered in a new situation. When it comes to chicken things, some laugh and some cry. This is something people in the payment industry feel most strongly about, but we cardholders can’t escape it either.

As for tools, humans have straightened up from primates and become humans. In addition to learning to use fire, the other thing is how to use tools. So, I also took a chicken and used it as a tool.

In March 2016, I had a high fever and was hospitalized. Don’t worry about the medical expenses, because you can be reimbursed by insurance after you are discharged from the hospital. But since the money you saved was given to your parents to renovate the house in your hometown, I really don’t have any money in your pocket. I paid a deposit of 10,000 in the hospital and found that the hospital’s charge office accepts credit cards. Then It was when I realized the benefits of credit cards more deeply: they can solve unexpected needs.

3. Surprise

For me personally, Hua Xia Bank has given me a really bad experience. Hua Xia Credit Card is the card with the slowest limit increase for me. The Guangzhou Bank in my hand can be said to be a rising star. The card is only 40,000, and the limit has been raised again and again, so far it is 100,000. Therefore, you don’t have to rely on a certain bank to maintain your card. You can also “provoke” other banks appropriately.

Speaking of surprises, the ICBC credit card I opened in 2015 was approved for RMB 10,000 after I received the invitation text message. After using it for more than 3 years, it was still RMB 10,000. I almost wanted to cancel the card, but a farmer’s businessman came that day. The bank card clerk, because I am a fellow villager, I filled out the application form, but I emphasized to him: I will not activate the card if the approved card does not have 50,000 yuan, and he said it was okay.

Then we chatted. While chatting, I told him that my ICBC card has never been extended. Then he said that he had a tutorial that could instantly increase the quota. This tutorial sold for 199 yuan in their circle regardless of whether the quota increase was successful or not. For the sake of being a fellow villager, he told me for free. I didn’t believe it at first, so I went home and did it, and it went directly from 10,000 to 80,000. Oh my God! What a surprise! I was in a good mood, so I sent him a red envelope, but he didn't receive it on WeChat.

Later, I always felt that I owed him something, so I introduced three colleagues to apply for cards at his place.

A few days later, the agricultural credit card arrived. It was only approved for 20,000 yuan and was cut immediately. When I told him about this, he expressed his helplessness. But a year later, I applied for a credit card from Guangzhou Rural Commercial Bank and was approved for RMB 60,000. I activated it and still use it. Use it to accumulate China Southern Airlines Sky Pearl miles and exchange them for air tickets.

There was another surprise. A girl came to promote the HSBC credit card, saying that it had a 9 yuan movie coupon. I also like to watch movies, and the girl’s appearance was also online, so I helped her. After filling out a card, I also told her that I would not activate it without 50,000 yuan. When I received the card, HSBC approved it for 83,000 yuan! The card type is a Premier Financial Management themed card.

4. Focus

Because I have been in the financial circle for 8 years, I also started a business during this period, but it was not ideal. I also tried to change my career, but to no avail. Fortunately, I didn't have too much debt. Life was pretty tepid.

At that time, a friend said to me: "I have changed my mind recently. When something went wrong before, I complained, why did this happen to me! Now I have changed my mind. , I try to figure out: What is this thing trying to teach me? Now my life is getting smoother. ”

I am also realizing these things. On the one hand, I need to discover the meaning of many things by myself and see what my mistakes have taught me. On the other hand, only those who find the meaning by themselves and climb out of the pits they have fallen into will grow the fastest. .

So, I started to focus on what I was interested in: Intensive Cultivation Card. I feel pretty good about myself now. Open a public account, insist on updating, insist on sharing your own opinions, and insist on outputting value.

5. About credit card points

Personally, I like Ping An’s Wanlitong points the most. They can be used directly to charge phone bills. It is really a waste of money; the Wanlitong points I have saved are almost the same. It’s worth 2,000 yuan, and I plan to use the points to exchange for a mobile phone or pad by the end of the year. What I dislike the most is the points provided by GF. Most products can only be redeemed with 50 points, and the remaining 50 is paid by credit card. Also, CITIC Bank’s points are pretty useless.

Points from other banks can be redeemed for various things in the mall. Paper towels, pots and pans, data cables, power banks and even Thai fragrant rice at home can be redeemed with points. In the past, they were also redeemed for videos. Members now have a video membership-themed credit card, which is even more convenient. As long as the "consumption" reaches the standard every month, you will receive a gift. Currently, I have Tencent, Youku, and iQiyi video VIP at home every month. You can binge on dramas without restraint. Of course, you have to have time and make the drama worthwhile.