You will know who to keep from the nickname in the circle.

Merchants = Xiao Zhao (Brother Wuji, how are you?)

Guangfa = Feixing (Yes, this nickname is so appropriate. Give it to Guan Xiaohei at every turn (House reduction amount)

Now let’s get to the point, let’s talk about how Xiao Zhao can serve you well.

For novices who have just entered the industry, China Merchants Bank’s credit card is the first choice. It is best to apply as the first or second card. The reason is that China Merchants Bank taboos multi-credit (number of credit card banks) Too many) or the total credit limit is too large. China Merchants Bank is commonly known as Xiao Zhao in the card circle. As long as you are good to her, she will be good to you. The investment quota is very easy to raise. Card players who play well can play more than 50,000 yuan in a year. If you want to play with CMB credit cards, you must have high-level cards such as Classic Platinum Card, Centurion Platinum Card, and Diamond Credit Cards. These cards can greatly increase the value of CMB credit card points, which can be used to redeem airline miles, hotel points, etc. . China Merchants Bank’s points policy is that you can earn 1 point for 20 yuan.

01

Features of China Merchants Bank

1. You can apply online. (There is no pressure for online application and interview in other places) 2. Various ways to play 3. Points are said to be permanently valid 4. Multiple points for birthdays, points for Union Quick Pass and small amount Quick Pass, and points for scanning QR codes to pay with Alipay and JD.com. 5. It is easy to increase the credit limit, but avoid making the total credit limit too high and increase the credit limit first. 6. Merger of news and newspapers. The billing date can be modified.

02

Which cards should I apply for to play cards with China Merchants Bank?

1. The entry-level card game - Leg Hair Card

What is Leg Hair Card? It is a series of cards issued by China Merchants Bank that are free of handling fees for cash withdrawals and have points. These cards all have the same feature: the first cash withdrawal per month is free of handling fees, up to 10,000 yuan, and you can get 500 according to the points rules of China Merchants Bank. Permanent points. To withdraw cash, you can go to an ATM machine or go to the APP and go to "Pocket Life->Card·Payment->I want cash". However, if your credit limit from China Merchants Bank is less than 20,000 yuan, Palm Life can only withdraw 5,000 yuan, and there is no such restriction from ATM machines.

Currently, there are only the following 3 card types left in China Merchants Bank’s Leg Mao Card, a total of 6 cards, namely: YOUNG Card (2 cards, commonly known as Black Sheep and White Sheep), Weibo Master Card (3 cards, black, gold, pink), Zhizu GQ Card

There are a total of ***19 cards issued by China Merchants Bank in the past. These cards also have the benefit of free handling fees for the first cash withdrawal every month. , but as early as March 1, 2017, the benefit of free cash withdrawals was cancelled, but the 1.5 times points attribute of credit card swiping is still retained. Another card with 1.5 times points for swiping is the car owner card. These 1.5 times points cards are accelerators for participating in China Merchants Bank card swiping activities to earn points!

Calculation of the income of the Leg Hair Card:

If there are 6 cards, each card can withdraw 10,000 yuan in cash every month, and 500x 13 months = 6,500 points can be obtained without loss in a year! Why 13 months? This is because the CMB card earns double points in the birthday month, including cash withdrawals.

China Merchants Bank also has a hidden attribute. Each card can be used for 2 supplementary cards. The supplementary cards are the same as the main card. The first cash withdrawal per month is free of charge and the maximum is 10,000 yuan (500 points). , the total number of main cards and supplementary cards is 6 x (1 + 2) = 18 cards, and if you persist for one year, it will be 6,500 points x 18 cards = 117,000 points!

If you have Classic White, you can redeem 113,000 China Southern Airlines miles. The latest mileage redemption ratio table from major banks. According to the China Southern Airlines mileage value of 900 yuan/10,000 kilometers, the return in one year is 10,170 yuan. Of course, this requires a lot of patience and energy. Normally, you can get a few thousand.

Things to note when playing with leg hair:

Although leg hair is good, you should pay attention to avoid pitfalls when it is hairy! Although there is no handling fee for the first cash withdrawal every month, it does not say there is no interest. The interest is 0.05% (five thousand) per day, so you still have to repay it in time!

The order of repayment of China Merchants Bank is: ① the bill has been issued, ② the annual fee, interest, and handling fee in the unpaid bill, ③ the cash withdrawal principal, ④ the remaining balance in the unpaid bill. Therefore, when you "cash the principal", you must ensure that the first two items are settled. Since China Merchants Bank is an account pool except for cheating, you must be careful about the various fees incurred by other cards.

The best way to do this is to withdraw cash on the last repayment day. The principal of the cash withdrawal should be paid together with the bill repayment. It is recommended to pay back an additional 10 yuan. The entry time may also be a pitfall, and it is best to complete hair removal before 21 o'clock.

How to apply for a leg hair card?

We have calculated the income of leg hair cards earlier. Are you ready to make a move? However, it is still difficult to apply for leg hair cards and collect 18 cards. However, this cannot stop everyone’s enthusiasm for applying for a card.

YOUNG Card: The official announcement is that applications are limited to those under 30 years old, but in fact there are many cardholders over 30 years old. According to feedback from netizens on a forum, this card can be applied for by phone. It's good to have black and white YONNG together.

Weibo Card: When this card was launched, it was only available to Weibo experts. However, Sina Weibo’s products for experts have been discontinued long ago, so you need to have a Sina Weibo account when applying. If you have already applied for a Weibo card, you can cancel the card and apply again. After applying for the card, call in time to restore the previously canceled card. In this way, you will get three Weibo cards.

GQ Card: Officially, only men can apply. If you are a tomboy, you may be able to apply for the card. It’s time for the majority of tomboyish netizens to fully express your tomboyishness.

2. Advanced card play - JD Little White Card with multiple points

Double points every Wednesday, collect them yourself on the JD Financial APP. The redemption period is valid for thirty days, and the points on this card are valid for one year. The weekly points limit is 1,000 points and 4,000 points per month.

3. Wanka’s premium card - Classic White

The annual fee for the main card is 3,600 yuan/year, which will be charged one year after the card is approved. This is the only high-end card from China Merchants Bank that offers no annual fee. But the rights and rebates remain the same.

Apply for and be issued a classic platinum card from now until December 31, 2019, and enjoy 10,000 permanent points redeemed for an annual fee of 3,600 yuan, and 5,000 permanent points redeemed for an annual fee of 2,000 yuan for an additional card (if you have enough points, The annual fee can be automatically redeemed)

·The supplementary card costs 2,000 yuan per year, and 5,000 points can be used to redeem the annual fee.

·There are 6 airport CIPs per year (supplementary cards can enjoy this benefit independently)

Airlines/Reward Programs

Redemption Ratio

Air China/China Southern/China Eastern Airlines

1500 points: 2000 miles

Asia Miles

1800 points: 2000 miles

Note: This The redemption limit for this card within a natural year is 50,000 miles

·Points can be redeemed for mileage from the three major domestic airlines & Asia Miles

·Complimentary aviation insurance: up to 15 million aviation accident insurance and 2,000 yuan travel inconvenience insurance

·You can enjoy 4 hotel stays at home and abroad every year + 2 extra VIP room nights at overseas hotels

·One free physical examination every year, 1 Free teeth cleaning; (Supplementary cards can enjoy this benefit independently)

·The sports privilege of playing golf 12 times a year;

·As of December 31, 2018, Enjoy free buffet service at 80 five-star hotels across the country.

· 10 times points on your birthday, with a maximum of 10,000 points on the day. To get 10,000 points on that day, you need to spend up to 22,240 Yuan. Because out of 10 times points, 9 times are for free and 1 times is for basic points.

Application conditions (any one of them can be met):

·The fixed quota of China Merchants Bank reaches 5W (it is said that the fixed quota of 5 + temporary quota of 5 has a very high pass rate), you can try to apply by mail yourself .

·China Merchants Bank’s fixed quota can reach 6W through cash installments (commonly known as “cash-point graduation” by China Merchants Bank). You can try to apply by mail yourself.

·China Merchants Bank pays wages on behalf of you. If you have a monthly after-tax income of 15,00, you can try to import goods through outlets.

·If you have a car with a price of more than 400,000 yuan (my city requires 40,000 yuan for the car, and other cities may have 30,000 yuan), you can try to import the goods through outlets.

·Golden Sunflower has reached the standard of 3 months (500,000), and the card can be issued when the goods are received at the outlet.

4. High-end cards - American Express Centurion, UnionPay Diamond Card

1. American Express Centurion Platinum Card

This card is currently issued in China There are relatively few American Express Platinum Cards. For the majority of people who can’t get a black gold card, this card is very attractive and there is no reason not to apply for this card except for the rigid annual fee.

· 3,600 yuan per year, CMB will give you 25,000 CMB permanent points as a meeting gift after you sign up the card

· Annual fees are waived for the first two supplementary cards

· Airport CIP can bring 1 person, and the service basically covers all major airports across the country and 2 airports abroad.

·The main card comes with an unlimited pp card, which can enter the Air China first class cabin in Terminal 3 of the Capital Airport Lounges, as well as lounges in Hong Kong, Taipei and other airports. In general, PP cards are easier to use abroad than at home

·Airline mileage redemption ratio, capped at 50,000 miles

Airlines

Redemption ratio< /p>

Air China/China Southern Airlines/China Eastern Airlines/British Airways/Air France-KLM/Singapore Airlines/Malaysian Airlines

1,500 points: 2,000 miles

· Complimentary aviation insurance, up to 15 million Aviation accident insurance and travel inconvenience insurance of NT$4,000.

3000 points = 2000 Jumeirah points

3000 points = 2000 SPG points (Learn the latest SPG official website releases, learn the latest American Express official website releases) (Note: Due to the upcoming merger of SPG Club, The SPG points you redeem with our credit card points will be converted into new points at a ratio of 1:3 and entered into your SPG club membership account)

·1000 points = 2000 Hilton points

·Enjoy the privilege of 4 hotel room nights at home and abroad + 2 additional hotel room nights at VIP rates in overseas hotels.

·10 times points for birthdays, with a maximum of 10,000 points on the day. To get 10,000 points on that day, you need to spend up to 22,240 yuan. Because out of the 10 times the points, 9 times are for free and 1 times is the basic points.

· 1 free physical examination per year (transferable), 1 free teeth cleaning (non-transferable), 1 accessory card share

· 12 golf courses per year Sports rights of Changda, hotel gym fitness rights 5 times a month

Application conditions (any one is acceptable)

· China Merchants Bank’s fixed quota reaches 10W, Palm Life APP-High-end Professional The AE white application option will appear.

·If you have a car with a price of more than 400,000 yuan (my city requires 400,000 cars, other cities may have 300,000 yuan), you can try to order through an outlet.

·Golden Sunflower reaches the standard of 3 months (800,000 yuan), and some outlets may be able to purchase cards for 500,000 yuan.

2. CMB UnionPay Diamond Card

Annual fee:

Main card 3,600 yuan (rigid annual fee), supplementary card 2 Free.

There is no first-time bonus. (Previously, it was 25,000 points and 10,000 points)

Benefits:

Enjoy the privilege of staying in 4 domestic and overseas hotels + 2 extra VIP-price room nights in overseas hotels per year.

Join the 3 major parent-child theme park hotels (Hong Kong Disneyland Hotel, Guangzhou Chimelong Hotel, Zhuhai Chimelong Circus Hotel) and 6 major Club Med resorts in the Asia-Pacific region (Guilin, Sanya, Dong'ao Island, Bali, Bintan Island, Phuket Island), 3 major Banyan Trees (Banyan Tree Hangzhou Xixi, Banyan Tree Lijiang, Banyan Tree Yanan. Reply to Banyan Tree), each room night requires 2 room night rights, and some exclusive luxury hotels.

4 free air tickets for children in each card year. Tickets need to be booked through EasyTravel. Pay first and then return. Limited to domestic point-to-point use (the beneficiary is designated and can be modified once a year, transferable, worth 2,000 yuan).

Free full oral fluoride application for children twice a year and other parent-child dental services.

Unlimited visits to airport VIP lounges per card year (one person can be brought in each time).

Aviation accident insurance of up to 15 million yuan, travel inconvenience insurance of 4,000 yuan (including flight delays), and 48-hour card loss protection (excluding transactions based on passwords, the limit of compensation is based on my credit limit).

How to apply:

If you already have classic white, you can apply for diamonds with a certain chance. If the classic white limit exceeds 100,000, you can apply for a diamond card by phone or add it on the Palm Life APP. If you already have AE white, you can apply for diamond. It is almost a must.

Different from China Merchants Bank AE Bai, the most valuable parent-child card: parent-child hotel, 4 air tickets, unlimited VIP rooms... 10,000 points first-time gift, worth it for rich people.

Five: Specific gameplay

1. Classic white annual fee

The annual fees for other high-end card types are rigidly charged, but they can also be paid back

The general way to solve the annual fee is to get 11,112 points by spending 22,240 yuan on your birthday (9 times to get 10,000 points, 1 time of the basic 20 yuan and 1 point for a total of 1,112 points). Here is a salted fish trick, you can search it on Baidu then You will know what to do)

China Merchants Bank supplementary cards are limited to parents, spouses, and children (it is recommended to write spouse regardless of gender)

Multiple supplementary cards can be applied for, and birthdays can be used for special reasons. Customer service modification date

2. Airline miles

1,500 points can be exchanged for 2,000 miles on Air China, China Eastern Airlines, and China Southern Airlines, and 1,800 points can be exchanged for 2,000 million miles, with an upper limit of 50,000 per year. Points on cards with CMB Classic White and below cannot be redeemed for miles, so you can only drink at Starbucks; with Classic White or above, the value of points instantly increases by 2.5 times, which is also a good channel to monetize points.

Classic white: 37,500 exchanged for 5W, Yawan is worth more than 5,500

3. Transfer of rights and interests

There is a free physical examination every year ( Transferable), diamond card, 4 free domestic air tickets per year (transferable) around 2,000, help booking hotels

4. Redeem SPG

Cardholders can redeem SPG points, redeem Ratio of 3,000 points: 2,000 SPG points

AE White 30W points exchanged for 20W SPG worth more than 30,000

5. Activities

China Merchants Bank’s year-end 10-yuan storm is an annual year-end drama. China Merchants Bank is DLB’s favorite bank with various ways to play. My suggestion is not to keep any of them

Which one should I keep if the credit card limits of China Merchants Bank and China Guangfa Bank are the same? Regarding the problem, you can feel that you have no control and decision-making power over yourself. You need to be tough on yourself and cancel all your credit cards.

Credit card is the introduction

In fact, the purpose of these banks is to trick you into applying for a card in the first place. This way you may be able to use their card when you want to make purchases in the future. Once activated, you can start sending money to people continuously. Because after you consume, you need to repay it. After repaying the money, you feel like you have money again, so you continue to spend and swipe your card.

After a few times, you develop the habit of swiping your credit card first for consumption. The mission of the credit card has been completed, making you dependent.

See the essence

The essence of a credit card is to convert your own credit into money for consumption. Your credit limit is your credit value. If you spend too much and cause a credit overdraft, you may not be able to use your credit in the future. In this way, the gain may outweigh the loss, and the loss may be large due to small gain. Because if you are overdue due to small purchases such as credit cards or have a credit report, you will not be able to get a loan to buy a house. In serious cases, you may not be able to take airplanes or high-speed trains. You said it's a small expense but a big loss. It is recommended that you don't use credit cards until you have enough strength. It’s not too late to talk about credit cards after you first develop yourself into a financial expert.

Final summary:

Credit cards are the icing on the cake, so don’t expect credit cards to bring you any benefits. I myself once thought that I could use credit cards to do things for myself. I set out to pursue a career, but in the end I realized that I was just a dream. I also advise you not to think too much about yourself and your credit card, and work hard. Cancel all your credit cards and give yourself some room not to spend recklessly.

Of course I would like to stay with China Merchants Bank, a leading commercial bank with many activities, good service and stable quota increases. Guangfa is just a yj. It reduces the limit, freezes points, and blocks cards. It is the most unworthy bank. There are also Ping An and CITIC. Don't touch these three hot chicken credit cards.

Every bank has its advantages, and every credit card type has its reasons, which depends on its own conditions and needs. There are certain conditions for applying for a China Merchants Bank service account. The limit you just placed is not high, and the interest-free period is relatively short, but the limit increase speed is very fast. If you use it well, you will often actively increase the limit to customers. The points are valuable and there are many discounts. GF has generally good online reviews, but since I don’t have a GF card, I won’t comment too much to avoid misleading. In comparison, the functions of the two cards are almost the same, with slight differences. China Merchants Bank: There are many types of cards with wide coverage, and there are many card designs to choose from. China Merchants Bank’s online banking is also good. There are many points redeemable for gifts. It is currently the fastest growing bank in domestic credit cards. However, there are slightly fewer outlets, and sometimes it is inconvenient to repay. Guangfa: There are fewer types of cards than China Merchants Bank, but Guangfa cards have their own characteristics and unique features. For example, the Guangfa True Love Card has a 48-hour loss report guarantee, and can be used when making installment payments using "Everything is OK, not limited to merchant products" , you can make installment payments as long as you reach a certain amount. These two points are unique to Guangfa. The actual use varies from person to person, but it is best to stay close to home or work. After all, go to the bank once a month. , it is more convenient

Anhui Shunshi, focusing on credit card services!

Being able to cancel the credit card means that the owner will streamline the card, so the streamlined card must meet the following principles:

1. Cancel credit cards that are not commonly used

2. Cancel credit cards with no rights

3. Cancel credit cards with small amounts

4. Cancel credit cards with strict risk control Credit cards

5. Cancel credit cards with high annual fees

Since the poster did not mention the card types of these two banks, we will assume that they are all gold cards with no annual fees.

In terms of activities, there are many investment activities, and there is a lot of money.

In terms of risk control, GF’s risk control is very strict and comprehensive. A large number of customers reduced their credit limit to 8 yuan last year. Looking at this year, many old customers cannot use their Guangfa cards directly. Note: designated merchants cannot make transactions, which makes many old customers only rely on scanning QR codes to repay, which is very uncomfortable.

Moreover, Guangfa has canceled a large number of points merchants this year. It can be said that the one that cannot be applied for this year is GF, and the one that should be canceled is GF.

Moreover, very few merchant credit cards will have their limit reduced, which is nothing more. It’s just that the black room does not raise the quota, but very few will reduce the quota or block the card. So in every aspect, the investment is better than Guangfa!

I hope it can help you!

China Merchants Bank is the leader of commercial banks.

If you have to cancel the card, keep the merchant card, but since you have already done it, why should you cancel the card [pick your nose]

Keep both of them. My suggestion is to spend reasonably and on time. Repayment is conducive to increasing your credit limit in the future

Keep China Merchants Bank. China Merchants Bank is considered an old brand in the credit card field. Its service attitude and service details have always been good, but in recent years, its service level and capabilities have deteriorated. The decrease

I will definitely keep the investment bank, so the investment bank credit card is the best

China Merchants Bank is the leader among commercial banks. The credit card limit is steadily increased by China Merchants Bank once every three months. Impeccable.