Agricultural Bank of China’s credit card membership levels are divided into six levels. From low to high, they are public members, gold members, platinum members, emerald members, diamond members and crown members. The benefits enjoyed by members of different levels It's different.

1. Priority answering service: Crown members can enjoy the first-time answering service, which refers to the answering service of the credit card customer service hotline.

2. Airport pick-up and drop-off service: Crown members can enjoy domestic business car services, and diamond members can enjoy domestic comfortable car services.

3. Birthday privileges: Crown members enjoy 50 yuan Starbucks coffee coupons, diamond members get 50 yuan JD e-card, and emerald members get 30 yuan JD e-card.

4. Value vouchers: Crown members, diamond members and emerald members can choose two of three different voucher offers; platinum members, gold members and public members can only choose one of three.

Among them, Crown members include GODIVA ice cream, Hema, and Watsons for 0 yuan; Diamond members include Heytea for 0 yuan, Hema and Watsons with 40% off; Jade members include KFC, Naixue’s Tea, and Ding’s 40% off; Platinum members include KFC, FamilyMart, and Manji Desserts with 30% off;

Gold members include KFC, Didi, and Heytea with 20% off or below; Public members include Burger King, Hema, and Pagoda 8% off 20% off or less.

5. All members can enjoy the benefits of special purchases in the mall and special redemption of points, including four exclusive products at great value.

Credit cards, also called credit cards, are credit certificates issued by commercial banks or credit card companies to consumers with qualified credit. It takes the form of a card with the issuing bank's name, validity period, number, cardholder's name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

Main features

①Credit card is one of the fastest growing financial services today. It is an electronic currency that can replace traditional cash circulation to a certain extent;

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②Credit cards have both payment and credit functions. Cardholders can use it to purchase goods or enjoy services, and can also obtain certain loans from card issuers by using credit cards;

③Credit cards are high-tech products that integrate financial services and computer technology.

④Credit cards can reduce the use of cash;

⑤Credit cards can provide settlement services, facilitate shopping and consumption, and enhance a sense of security;

⑥Credit cards can simplify collection Reduce payment procedures and save social labor;

⑦Credit cards can promote product sales and stimulate social demand.

Financial Management Strategy

1. Control the number of credit cards and only have enough.

Once there are too many credit cards, it is easy to make mistakes or forget the repayment date of the card. Issues such as the credit limit of that card are difficult to manage and can easily lead to late repayments and leave a bad record. Moreover, if you swipe multiple cards to earn points, the points will be too scattered, which is not conducive to redeeming gifts. Therefore, it is recommended that only 1 to 2 credit cards are enough.

2. Keep the credit card receipts

Most credit card holders do not care about the receipts and will not keep them. Most of them throw them away. This is a very bad habit. In fact, retaining credit card vouchers not only facilitates the monthly summary of consumption records to analyze and optimize consumption habits, but also helps improve the rationality and transparency of credit card consumption, so that the card can be swiped clearly. Moreover, many people do not set passwords on their credit cards, and carelessly discarding the credit card credentials may lead to credit card theft.

For security reasons, it is best to keep the credit card receipt after swiping the card to make yourself aware of it and develop good credit card financial management habits.

3. Reduce cash withdrawals

Credit cards have two functions: overdraft and cash withdrawal, but cash withdrawals require a certain percentage of handling fees, and even if you deposit your own money into it, you will be charged. Therefore, it is not cost-effective to use a credit card to withdraw cash or use it as a passbook.