The first credit card I used was from Shenzhen Development Bank, and now it is from Ping An Bank. At that time, credit card points were extremely high, and there was no such thing as wholesale. There are points for every dollar, and there are lots of points every year. We also exchanged various gifts such as pots, cups, photo frames, etc., all of good quality. Later, I stopped using it because it was inconvenient to repay the money, because it had to be deposited into an agent bank, which was not as convenient as the current mobile banking.

Now I have been using the Agricultural Bank of China’s credit card, and I will get new guest gifts as soon as I get it. I remember I got a Samsonite backpack. Now, in addition to the free gifts for new customers, there is also an event where you can buy 20 yuan of phone credit for 1 cent when you purchase the card. Nowadays, the activities of old customers at Agricultural Bank of China are called loving companionship. If your single purchase exceeds 18 yuan, you will get a refund. The lowest is 0.3 yuan, and the highest is more than 2 yuan. It can be said to be quite a benefit. I usually buy food and fruit in supermarkets, which accept credit cards. So far this year, I have refunded more than 40 yuan. Other discounts, such as 20 off 200 for gas, 1 yuan for car washes, movies, and half-price meals, I can basically use them all. You are welcome to save your points and redeem them for wool gifts!

Repayment is also very convenient. Just use mobile banking to repay, there is no handling fee. If you spend a lot of money, you can also choose to repay in installments, usually at the end of the quarter or through bank promotion. There are also preferential rates for installment plans, which is more cost-effective. If you are in a hurry to withdraw cash, there are cash installment plans. The rates and installments are similar, so you don’t need to consider too many emergency expenses!

In short, it goes without saying that the discoloration of credit cards has changed. Cards are just a payment medium that gives you one more choice. Either way, you're taking advantage of them. You can use them however you like within your capabilities. The bank gave us so many discounts, everyone just laugh! Related Q&A: What is the credit limit of Shenzhen Development Bank

The credit limit of Shenzhen Development Bank is reviewed based on the materials submitted by the individual. The available limit refers to the amount that the cardholder can currently use. As the cardholder It changes in real time as people consume, withdraw cash, and make repayments. If you hold multiple credit cards issued by Shenzhen Development Bank, the highest limit of a single credit card held under the cardholder's name will be used as the credit limit.

Generally, a single overdraft cannot be applied to a personal credit card issued by Shenzhen Development Bank. Exceeding 20,000 yuan (or equivalent in foreign currency); a single overdraft of a commercial card cannot exceed 50,000 yuan (or equivalent in foreign currency). If you have any questions about your credit card limit, you can call the customer service hotline to learn about your credit card limit at any time.

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A limit of one million is too far away, but you can use it to increase your credit limit by 50

The credit card limit of Shenzhen Development Bank is generally a personal card. A single overdraft cannot exceed 20,000 yuan (or the equivalent in foreign currency); a single overdraft with a commercial card cannot exceed 50,000 yuan (or the equivalent in foreign currency).