How to use China Everbright Bank Credit Card to save money?
Friends who apply for an Everbright credit card for the first time must pay attention to some things. Credit cards are no better than debit cards. If they are not used well, they will be like a scourge. Here are some tips on Everbright Bank credit cards.
Method 1: Don’t leave any change when repaying the bank credit card
It is recommended that cardholders must read the bank credit card statement clearly and it is best not to leave any change when repaying the credit card. Although most banks have a tolerance and time repayment system, if you have too many unpaid changes on your bank credit card, you will still incur penalty interest.
Method 2: Apply for bank credit card installment repayment
If you are unable to repay the credit card and do not want to incur interest, cardholders can choose to apply for installment repayment from the bank. Installment interest is generally zero interest, but there is a handling fee. If you owe a large amount, this is undoubtedly a good method. The handling fee for a fixed amount is always much cheaper than compound interest.
Method 3: Automatic repayment by bank credit card
Bind your debit card to your bank credit card, and the bank will automatically help you repay the loan to avoid interest. However, one thing to note is that cardholders must ensure that there is sufficient balance in the debit card.
Method 4: Bank credit card harvesting
Every month, Everbright Bank will have many points promotions. The same is done by swiping credit cards. Try to use credit cards for shopping and consumption to quickly accumulate points. Follow Everbright WeChat Official website, check promotions from time to time.
Related activities:
China Everbright Bank gives away free phone bills, starting from 100 yuan!
A favorite among car enthusiasts, car wash for 10 yuan!
An article explaining how to use Everbright Credit Card?
The first thing to emphasize is that this is an entry-level introduction about Everbright Credit Card.
After reading this article, you will have a general impression of Everbright Bank’s credit cards, and it can provide you with some entry-level knowledge for those who do not know this bank.
The first card must be platinum
For cardholders who have already purchased Everbright Credit Card, the preferential treatment given by Everbright Credit Card to platinum, diamond and above customers is simply outrageous.
For example, if you hold a gold card, you can only watch JD.com’s full discounts.
The difference between Everbright Bank’s Platinum Card and Gold Card is very big. Many policy activities and benefits are obviously given to cardholders above the Platinum Card level. people.
So, if you apply for a platinum card at Everbright, don’t hesitate, otherwise, you won’t be able to benefit at all from these activities.
Another point is that Everbright currently has online application channels for its Gold Cards and some Platinum-level cards. Although the credit limit may not be very high, there is money to be made for the Platinum-level cards.
Furthermore, according to feedback from many cardholders, in fact, when you apply for a gold card or a platinum card, the information required of you is actually the same.
If you have a normal job and pay social security, you may get a platinum card for the first time you apply. Therefore, don’t hesitate to get a platinum card for your first card. If you don’t get it, don’t get a gold card.
Because Everbright has a disgusting policy, rejecting the second card will give you a headache.
As long as your first card is a gold card and the approved credit limit is less than 30,000 yuan, applying for a second card will be "incompatible with our bank's card application policy for existing cardholders."
The connotation behind this sentence: I have issued you a gold card with a limit of 15,000 yuan. You have to use it slowly and gradually increase the limit. Only when it exceeds 30,000 yuan will you be given the opportunity to apply for platinum.
Everyone, the quota is increased by 15% once every 6 months. Think about it, how many years will it take you to reach the quota of 30,000 yuan?
Which cards to apply for
Although I haven’t done much research on Everbright Credit Card, I know the only platinum card on the market that is co-branded with Longteng.
This is the one that comes to your door, so if you want to have a Dragon Privilege Card, then this is your first choice. Moreover, it is an Everbright Credit Card platinum card, which can take care of most activities.
Some novices may not know the Dragon Card. It is a Dragon travel privilege card equipped with many large platinum products. It enjoys the privileges of high-speed rail VIP rooms, free snacks and meals in the VIP room, and VIP rest at the airport. room etc.
Of course, now Longteng cards are generally electronic, and you can go to the Longteng APP to activate the electronic card, and physical cards are rarely issued.
There are also Everbright’s more classic business travel platinum cards and sunshine platinum cards. The cards have good looks and offer some business travel benefits.
Last year, Caesars Travel, a joint outbound travel expert, also released a set of platinum cards, which is the one below.
It is also a platinum card with some travel rights. It is a co-branded card. Of course, co-branded companies have more resource rights. People who like to travel can consider this card.
Annual fee: In addition, the annual fee is the only difference between a platinum card and a fake platinum card. The annual fee of Everbright Bank’s entry-level platinum card is 1,188 yuan, and some will give away a 688 yuan annual fee coupon. The actual annual fee is 500 yuan.
The following year, points can be used as deductions.
Card application guide
(1) For the first card, try to provide as much self-certification as possible to apply for platinum card level, proof of social security payment, proof of income, cards with a limit of more than 50,000 from other banks, and real estate certificates , driving license, etc. that effectively prove the strength of the assets.
(2) The chances of the card being issued and approved are much higher if the branch salesperson provides the credit certificate than when applying online, and the success rate is high.
(3) Use financial deposits to apply for a card. This is the most useful way to apply for a bank card. If you earn 100,000 yuan from financial management, ask your business manager to recommend which card you want to apply for.
(4) If you don’t want to apply for platinum card with annual fee like platinum card, but just want gold card, in fact, the easiest way is to go through the Alipay card application channel, which will be decided based on your Zhima points. I won't give you a card.
This method is also the most effective way to apply for a card for people who cannot provide much credit certificate.
The interview with Everbright is actually the time to provide proof of credit. Whether you pass the interview will directly affect whether you will be approved for the card. In other words, the interview with Everbright is the key factor that determines whether you will apply for the card. .
Limit
China Everbright Credit Card is one of the banks that netizens generally feedback has the most regular limit increases.
The fixed quota will be increased in 6 months at a rate of 15% each time. You can try to increase the temporary quota by phone in 3 months.
If you don’t mind the time, it can be raised to the upper limit of certain levels.
For example, the gold card has a maximum limit of 50,000. Even if you only approve the card for 10,000, as long as After enough time, the number will be mentioned to you, unlike Bank of Communications, which will not care about you at all.
Platinum card level, after several years of use and fixed time limit increases, can basically exceed 100,000, which is very impressive, but it takes time to witness the miracle.
As long as you have patience.
Today I will share so much.
Guide before using Everbright Bank Credit Card
How to activate Everbright Bank Credit Card?
How to check the application progress of China Everbright Bank Credit Card?
How to set and modify the Everbright Bank credit card password?
How to activate Everbright Bank credit card?
1. Customer service phone number to activate credit card
1. After receiving the credit card, use the mobile phone number or home phone number you filled in the application form to call China Everbright Bank’s 7X24-hour global service hotline: 4007-888-888;
2. Press "2" and select "Self-service Voice Service";
3. Enter the ID number;
4. Press "1" and select "Credit Card Activation";
5. Spend with signature - set query password - complete;
Or consume with password - set transaction password - Set query password - Done.
2. Activating your credit card online
In addition to activating your credit card over the phone, you can also log in to the Everbright Bank Credit Card Center (); select the "Online Activation" function to activate your credit card online.
Warm reminder:
1. After clicking to obtain the dynamic password, we will send the dynamic password to the mobile phone number you reserved in China Everbright Bank, please check it carefully;
< p>2. Please use the dynamic password to log in within 15 minutes, otherwise the dynamic password will become invalid;3. In order to ensure the security of your personal information, please do not log in to me in public places such as Internet cafes. credit card;
4. In order to ensure that you can use my credit card normally, I recommend using the IE6.0 browser;
5. Please click the "Exit System" button after use. Make sure to safely unlink my credit card.
How to check the progress of Everbright Bank credit card application?
1. How to check the progress of China Everbright Bank’s credit card application—online banking query
Log in to the Everbright Bank Credit Card Center, click “Application Progress Query”, enter the credit card application progress query page, and enter the certificate Number, you can check the credit card application progress results.
Operation process:
1. Log in to the Everbright Bank Credit Card Center page () and click the "Application Progress Query" function on the left;
2. Enter " After entering the "Credit Card Application Progress Query" page and entering your name, ID number and other information, you can check the progress of your Everbright Bank credit card application.
2. How to check the progress of China Everbright Bank’s credit card application—Customer service phone inquiry
Call China Everbright Bank’s customer service phone: 95595 or 400-819-5595, and enter the relevant ID number according to the voice prompts , you can check the progress of Everbright Bank credit card application.
3. How to check the progress of Everbright Bank credit card application - business branch inquiry
In addition to checking online or via customer service phone number, users who apply for Everbright Bank credit card can also bring Show your ID card to a nearby Everbright Bank branch to check the progress of your credit card application.
How to set and modify the Everbright Bank credit card password?
1. Introduction to Everbright Bank Credit Card Password Settings
You can decide whether to use a password for consumption, and you can modify the consumption verification method through China Everbright Bank’s 7X24-hour global service hotline 4007-888-888 .
For example, you can change "Consumption with password and signature" to "Consumption with signature". After the modification, when you use the card to make a purchase, press the confirm button after swiping the card or enter any six digits and press the confirm button. Yes, after the transaction is completed, the POS will print out the purchase order for you to sign and confirm.
2. How to set and modify Everbright Bank’s credit card password
Channels for setting consumption passwords: Call China Everbright Bank’s 7X24-hour global service hotline 4007-888-888 and select “Manual Service” , the customer representative will set the consumption password or cancel the consumption password according to your application, and it will take effect immediately after the setting is successful.
You can modify the transaction password through China Everbright Bank’s 7X24-hour global service hotline 4007-888-888, China Everbright Bank counters, and China Everbright Bank self-service equipment.
Applying for a credit card
This ends the introduction on how to use Everbright Credit Card and which Everbright Credit Card is available. Have you found the information you need?