What is China Resources Tong credit card?
China Resources Tong refers to the ICBC China Resources Tong co-branded credit card. This credit card is jointly owned by the Industrial and Commercial Bank of China and China Resources Group’s all-scenario quality life platform—China Resources Tong. What is issued is a credit card with basic financial functions and a multi-functional membership card that can be used in all online and offline scenarios of China Resources Group. Users can apply at the bank counter or official website.
You can enjoy certain rights when applying for ICBC and China Resources Tong co-branded credit cards. For example, ICBC and China Resources Tong co-branded card cards and gold cards automatically become China Resources Access exclusive members; platinum cards automatically become China Resources Access high-end exclusive members. . Membership is valid for one year, and ICBC China Resources Co-branded Platinum Card holders can enjoy the exclusive preferential policy of no annual fee for the first year.
ICBC China Resources Tong co-branded credit card can enjoy multiple points accumulated with one card. The effective consumption amount of China Resources Tong co-branded card this month will be converted into China Resources Tong points at a rate of 1 point for every 2 yuan accumulated in the next month. Holding the China Resources Tong VISA single-logo co-branded card can enjoy double China Resources Tong points for overseas purchases.
Users must repay the bills generated by using ICBC China Resources co-branded credit cards on time, and cannot repay overdue payments, because overdue remittances will incur penalty interest. The longer the time, the greater the penalty interest, and there are also overdue credit card repayments. It will be uploaded to the credit reporting center. If personal credit becomes bad, it will affect the processing of various loans, such as housing loans, car loans, etc.
Complete guide to China Resources Co-branded credit cards, you can earn up to 11.5 times points
Thanks to China Resources Group, you have a co-branded card with the strongest points waiting to be included. Currently, China Resources Group and three banks, namely Industrial and Commercial Bank of China, CITIC Bank and China Minsheng Bank, have launched China Resources Tong co-branded credit card. Not only are the bonus points and benefits very attractive, but there are also more than 10,000 cooperative merchants! Now let me take a look at the general benefits of China Resources Co-branded cards with card friends.
Triple points: The effective consumption amount of the co-branded card this month will be converted into CR Points at the rate of 1 point for every 2 yuan accumulated in the next month, and will be shared with the above consumption points (those who do not accumulate points as stipulated by the bank) Except for certain transactions).
Swipe a China Resources Tong co-branded card to pay at the merchant's cashier, provide your mobile phone number, and directly receive 10 times the points (i.e. 5,000 China Resources Tong points);
The entire amount swiped by the card this month, times Every 2 yuan earned is converted into points at a rate of 1 point per month (i.e. 250 CR Touch points). So you get 11.5 times the points in total, which is 5750 points!
Multiple point partners include: shopping malls under the China Resources Group (Mixc, Mixc, Colorful City, etc.), supermarkets (China Resources Vanguard, Ole', blt, Suguo, etc.), Pacific Coffee , China Resources Tang, Sanjiu Medicine, Zhongyi, China Resources Gas, Kapok Hotel and other business formats, as well as RIMOWA, Chow Tai Fook, Cotton Times, Shenzhou Travel, Manji Desserts, etc.
At the end of last month, China Resources Communications and "Jixiang Alliance" reached a strategic cooperation. From now on, you can enjoy points exchange when using China Resources Co-branded cards at retail merchants under the Jixiang Alliance, such as FamilyMart, Dicos, Master Kong Private Beef Noodles, and Zhenhuixuan Mall. Coupled with China Telecom and Air China, which have already reached points exchange cooperation before, the quality of this wool is very good!
9 points can be redeemed for a RMB 5 commodity coupon from China Resources Vanguard, 399 points can be redeemed for a RMB 10 general coupon from China Resources Vanguard, and 999 points can be redeemed for a RMB 30 general coupon from Ole’ Supermarket, as well as points gifts and many other great value offers.
There is also a multi-points plan: show your membership before paying and you can get 5 times points for Hangzhou Park Hyatt, Chow Tai Fook, Bestore, etc., and 10 times points for Shenzhou Special Car.
In addition to the above benefits, co-branded card users can also directly upgrade to high-end CR Express members. Next, I will talk to card friends about the respective advantages of the three banks’ China Resources Co-branded cards.
Looking at the points return, you can get 1 CR Touch point for every 2 yuan spent. ICBC points are originally worth 500 points and 1 yuan, but ICBC China Resources Express is worth 320 points and 1 yuan. It is a must-do.
For new customers who apply for a card within 60 days from now until June 30, 2018, if the cumulative points transactions reach 399 yuan, they can get 20,000 CR Touch points (can be exchanged for cash coupons), 1,000 points per month .
Spend 2 yuan to accumulate 1 China Resources Communication Point, and you can enjoy up to 11.5 times China Resources Communication Points. If the monthly average managed assets of the debit account reach the standard, an additional 1,800 China Resources Communication Points will be awarded per month. However, points are not included in online transactions with this card.
Public card and gold card customers can receive up to RMB 1,000 in compensation if their flight is delayed for four hours. Platinum card customers can receive compensation of up to RMB 1,000 if their flight is delayed for 2 hours, and RMB 2,000 if their flight is delayed for 4 hours.
New customers receive 10 overseas cash rebates, with a monthly cash rebate limit of 100 US dollars. (This event is not shared with the "Swipe your Visa card to get 8 cash back" event)
Two people traveling together at a five-star hotel buffet can enjoy a 50% discount (hotel brands include St. Regis, W Hotel, InterContinental, Marriott, Le Méridien, Hilton, Sofitel, Sheraton, Renaissance, Radisson Blu, Crowne Plaza, etc.)
Standard Platinum Card: 600 yuan/year for the main card, 300 yuan/year for the supplementary card; 2017 Before December 31st, the annual fee for the first year will be waived. If you complete 18 point-accrued transactions or RMB 50,000 in that year, the annual fee for the next year will be waived.
If you activate the co-branded card within 30 days and make a single payment of RMB 199 with the card, you can get a general voucher for China Resources Vanguard, Blt Supermarket and Ole Supermarket.
For every US$1 spent on Visa brand points, you can accumulate 8 CR Touch points. (The monthly redemption limit of China Resources Tong points is 2 times the credit limit of the co-branded card, and points will not be accumulated for the excess amount)
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How to use China Resources Co-branded card and UnionPay virtual card
How to use China Resources Co-branded card and UnionPay virtual card:
1. Activate ICBC China Resources Co-branded credit card online (UnionPay version - regular card) Log in to ICBC Personal Online Banking, select "Credit Card Service", and under the "Application for Credit Card" column, select the "Enable Card" function.
2. Check the application progress of ICBC China Resources Co-branded Credit Card (UnionPay version - regular card) on WeChat. Follow the official WeChat of ICBC Credit Card Center, click "Micro Finance", select "Card Application Progress", and then select the certificate type.
What is the general credit limit for the ICBC China Resources Tong Gold Card? Tips for applying for high-limit credit cards
“With one card in hand, you can enjoy life!” It’s about the ICBC China Resources Tong Co-branded Card. This card can not only enjoy basic financial services, but also enjoy the membership rights of China Resources Group in all online and offline scenarios. This credit card has three levels: regular card, gold card, and platinum card. However, most cardholders are more concerned about the general limit of the ICBC China Resources Tong Gold Card. Let’s help you answer the question below.
Generally, the credit limit of ICBC China Resources Gold Card is between 10,000 yuan and 50,000 yuan. The specific credit limit is determined by the bank based on the applicant's qualifications.
1. Job stability and income
The better the work unit, the more stable it is, such as working in high-level positions in large state-owned enterprises, institutions, well-known private enterprises, etc., and the income level is High, which is conducive to banks issuing high credit;
2. Stability of family life
If you own your own house in the place of application, have lived there for a long time, or are married Educational status is also conducive to applying for ICBC China Resources Gold Card;
3. Proof of sufficient financial resources
If you have a house, a car, and deposits, it will be easier for you to obtain a bank card trust;
4. ICBC’s star rating
In short, the limit of ICBC China Resources Gold Card generally depends on your application credit conditions. The above four aspects are the influencing factors The important factors for the initial credit extension issued by ICBC must not be ignored.
How to calculate China Resources Credit Card points?
China Resources Tong is a comprehensive e-commerce platform and a full-scenario quality life platform based on the Internet created by China Resources Group, and China Resources Tong points open up the points pool of all brands under China Resources
For example, four banks currently issue China Resources Co-branded cards, and the points redemption ratio is the same: 2 yuan for one point, namely Industrial and Commercial Bank of China, China Minsheng Bank, China CITIC Bank and Shanghai Pudong Development Bank! Use the card to complete any qualifying purchase within 60 days after the card is approved, and you will receive 10,000 CR Touch points in the next month.
When spending in various business formats and merchant alliances under the China Resources Group, you can enjoy triple points for a single purchase, with a maximum of 11.5 times the points.
One level of points: Holding a China Resources Tong co-branded card to spend at China Resources Alliance merchants can enjoy up to 10 times the number of China Resources Tong points.
Double points: You can accumulate China Resources Tong points by spending money in China Resources Group scenes with a China Resources Tong co-branded card.
Triple points: The effective consumption amount of the co-branded card this month will be converted into CR Express points at the rate of 1 point for every 2 yuan accumulated in the next month, and will be shared with the above consumption points (those who do not accumulate points as stipulated by the bank) Except for certain transactions).
Take Vientiane City as an example, spending 100 yuan.
The first step: Use the China Resources Express co-branded card to pay the bill, provide a mobile phone number to accumulate China Resources Express points, and directly get 1 times the points (sometimes there are multiple points activities)
Step 2: Go to the Vientiane City service desk on the same day and present your consumption receipt to get another 0.2 times points (1 point for every 5 yuan spent on food and beverages)
Step 3: Earn 1 China Resources Point for every 2 yuan spent on the co-branded card Points (i.e. 50 CR Points).
Every yuan you spend on clothing in Vientiane City earns you 1 China Resources Point, and there are 10x points promotions from time to time.
If I were to recommend a card, in terms of cost performance, of course it would be CITIC. CITIC gives you 20,000 CR Express points plus 1,000 points!
However, Pudong Development Bank has also been very impressive recently. Not only will they give away 11,000 CR Express points, but they will also give away 50 credit cards for any purchase on CR Express!
That’s it for the introduction of ICBC China Resources Co-branded Credit Card.