Is a credit card higher than the interest rate? Subvert your perception

I believe that most of my friends are using credit cards now,

But did you know

Your credit card may be better than online loans? , higher than the interest rate

1: If your credit card can be repaid in full according to the bill amount every month, then it is definitely more appropriate without any interest

But once your credit card is in the minimum repayment state for a long time, it will become a very high interest rate

My personal experience

I applied for it in August 2014 I bought a credit card with a limit of 10,000 yuan and made the minimum repayment for half a year. Later, the minimum repayment amount was as high as 1,700 yuan.

The equivalent of a 10,000 yuan card will generate an interest of 700 that month. Equivalent to seven cents of monthly interest

I hope everyone can recognize the reality and use credit cards rationally

CITIC Baidu Financial Co-branded Card: An exclusive black card for young people

Do you want a high-end, classy black card with a low threshold? You are right to choose this CITIC Baidu Finance co-branded card. This credit card is a black card for young people jointly created by China CITIC Bank and Baidu Finance. It has various benefits.

If you don’t know much about this credit card and want to know some basic information about it, such as application conditions, annual fees, limits, benefits, etc., you can follow along to learn more.

1. What kind of credit card is the CITIC Baidu Financial Co-branded Card?

According to reports, the "CITIC Baidu Financial Co-branded Card" is an important step in the cooperation between Baidu Finance and CITIC Bank. Through strong alliances, we have opened up online and offline rights and interests channels, subverting the traditional credit card points model and creating a "black card for young people" for the Internet community.

From the outside, this co-branded card adopts a hollow black design for the first time among domestic credit cards, and has two options: UnionPay and VisaSignature. Not only does it look attractive, but its high cash rebates have also become the “killer feature” of this credit card.

After binding the UnionPay version of the co-branded card to Baidu Wallet, you can enjoy a cash rebate of 3% on the payment amount. New users who apply for VISASignature for the first time can enjoy a cashback of up to 10% on the transaction amount when using the co-branded card to pay overseas. .

2. What conditions need to be met to apply for the CITIC Baidu Finance co-branded card?

Because it is the same co-branded card between Bank of China Bank and Baidu Finance, both parties have to apply for it through the application channel. Application portal is provided.

If you are interested in this card, you can open Baidu Wallet and click "Apply for Credit Card". If you think it is safe to go to online banking, you can also open the official website of CITIC Bank Credit Card, find this co-branded card and click to apply. Can.

It should be noted that you do not need to provide any information when applying for a credit card online, so the bank can only decide whether to issue a card for you based on a comprehensive assessment of the application form you filled out and your credit report. Therefore, in order to improve the success rate of card application, we must master some form-filling skills.

For example, in the income column, you can fill in a higher level; the higher the education level, the higher the score; fill in the landline number truthfully, if not, you can fill in the landline number of a relative or friend; fill in the mobile phone number Correct and so on.

3. How much limit can you get when applying for a CITIC Baidu Finance co-branded card?

When CITIC Bank grants a credit card overdraft limit, it will determine the upper limit based on the applicant's credit status. For specific reference The items include age, gender, work unit, income, position, housing, education, marriage, real estate, professional title, credit record, personal financial assets, etc. One score segment corresponds to one result, from not approved to approved, from not approved to approved. Low limit to high limit.

In addition, there are differences in the credit limits of different levels of CITIC Bank. Take Baidu Finance co-branded card as an example. This credit card is positioned at the gold card level, and its limit range is naturally similar to that of CITIC's gold card. It is generally between 10,000 yuan and 50,000 yuan. Everyone's situation is different, and the limit obtained is also different. .

4. What is the annual fee of CITIC Baidu Finance Co-branded Card?

Baidu Finance Co-branded Card is a gold card that can enjoy the gold card rights of CITIC Bank. Of course, before enjoying the rights At the same time, like all gold cards, you have to pay an annual fee to the bank. The annual fee charging standards differ depending on the dual currency card and single currency card:

1 Dual currency card: main card 300 yuan/year, supplementary card 150 yuan/year;

2 single currency cards: main card 200 yuan/year, supplementary card 100 yuan/year;

However , this co-branded card is free of annual fees in the first year of opening the card, but the prerequisite is that you must use this card to make a purchase or withdraw cash once within 30 days before you can enjoy this preferential annual fee policy. In addition, if you swipe or withdraw cash a total of 5 times within a year of holding the card, the annual fee for the next year can also be reduced.

5. Matters related to cash rebates for the CITIC Baidu Finance Co-branded Card

In addition to its attractive appearance, the biggest advantage of the CITIC Baidu Finance Co-branded Card is that it can return cash when swiping the card. According to the version The amount of the refund also varies.

There are two main types of cash rebates for Baidu Finance co-branded cards, one is a UnionPay card that will rebate the payment amount of 3, and the other is a VISA card that will rebate 10 for overseas payments. The details are as follows:

1. After applying for a UnionPay version of the co-branded card, bind the credit card in Baidu Wallet, and make purchases in Baidu Nuomi, Baidu Waimai, Uber, Ubao, Miyuan and other scenarios, you can enjoy 3 cashbacks on the payment amount, up to 200 yuan per month.

2. New customers of the Visa version co-branded card who use the co-branded card to pay overseas can enjoy a cash rebate of up to 10 US dollars for the transaction amount, with a maximum cash rebate of 100 US dollars per month.

However, if you want to participate in cashback, you must first register to enjoy the cashback qualification. If you have already registered for cashback, you can enjoy cashback for transactions in the month of registration and later. The cashback will naturally be returned to the cardholder. The cashback time is before the end of the next month if it is deposited into the person's credit card account.

The above is an analysis and introduction to all aspects of this CITIC Baidu Finance co-branded card. If you think it is good, please give it a like. If you think it is not comprehensive enough, please give us feedback on the questions you want to know. I’ll add it again, I sincerely hope this guide can be helpful to everyone.

What are the advantages and rights of Pudong Development Bank’s latest high-end credit card “Dream Card” series

Do you know that Pudong Development Bank has launched two more high-end credit cards? Since then, it has attracted the attention and love of card lovers. What is it that attracts them so much? What are the advantages and rights of Pudong Development Bank’s high-end credit card “Dream Card” series?

Features and benefits of Pudong Development Bank’s high-end credit card “Dream Card” series

1. Exquisite and noble card surface: *** two types of Pudong Development “Dream” card metal cards are available for pre-sale , respectively the "Glossy Sky" card and the "Dream Wing" card. The "Starry Sky" card is based on the idea of ??"Star·Dream", with mechanically engraved meteor tracks plated with 24K real gold and inlaid with diamonds, which symbolizes the dream of harmony between man and nature and the unity of nature and man. The overall design is sparkling and high-end luxury. At the same time, the "Dream Wings" card means dream wings and long voyages. The dark grid pattern is supplemented by special ink to highlight the fluttering dream wings, giving people a full and powerful visual impact. The overall design is simple, stable and low-key. The combination of luxurious metal material and meticulous craftsmanship gives the metal card an innate dazzle.

2. Both texture and beauty: As the "first lineup" of Shanghai Pudong Development Bank's "Dream" series of credit cards, metal cards are a new card choice for high-end customers that combine texture, beauty and uniqueness. Meng Card Metal Card Meng Wing stainless steel alloy texture, weight is more than 5 times that of ordinary plastic cards, specific mechanical engraving, smooth and powerful lines, creating a strong three-dimensional visual impact. Mengka metal card Starry Sky: Not only has the texture of stainless steel alloy, the weight is more than 5 times that of ordinary plastic cards, but also mechanical engraving and laser engraving, which perfectly presents the three-dimensional sense of the picture. It is 24k gold plating and embedded with diamonds to create a bright starry sky.

3. Personalized private customization: Not only is the card face highly collectible, but it also has highly customized functions and independent combinations of various rights and interests. Pudong Development Bank's "Dream" series of credit cards will test the waters of large-scale personalization , cardholders can freely choose the card organization, freely select the card surface material, customize the card surface, freely combine exclusive privileges, and create their own unique personalized card, truly realizing "one credit card, one rights platform." The industry believes that Pudong Development Bank’s move will subvert the existing traditional credit card ecosystem and bring future credit cards into a new era of “private customization”.

4. High-end and supreme service: Holding such an exquisite and noble credit card is a symbol of the cardholder's strength and status. The purpose of Pudong Development Bank's move is to provide the most discerning high-end cardholders with a distinguished and unique card-using experience, so that customers can better experience the supreme services of Pudong Development Bank's "Dream" series of credit cards.

Alibaba is starting to stir things up, Huabei’s new features are online, is Alipay going to subvert bank credit cards?

As an in-depth user of Alipay, I wonder if you guys have noticed? Alipay has quietly launched a new feature. Alipay’s Huabei can set the repayment date. Could it be that Alipay plans to turn Huabei into a credit card? Is it going to subvert the traditional credit card industry? Although Alipay's Huabei currently allows you to set the repayment date, it is only open to a small number of people for internal testing.

You can take a look at your Alipay and try to see if you will become one of the few people Alipay considers? Can changes be made? Xiaoha teaches you how to change the Huabei bill date and repayment date: first open Alipay and go to the "My" page. Then set it in the repayment date option settings below. After clicking to make a reservation, everyone can see the introduction of this function of Huabei.

Don’t be happy too early. Do you think you can freely set it according to your own preferences, such as setting the payment date to any date between the 1st and the 30th? In fact, it is not the case. There are only two options. You can choose to set the payment on the 5th and repay before the 15th; or the payment on the 10th and the payment on the 20th. There are no other options. For example, Xiaoha chose to pay on the 20th, just to experience it. But when your reservation is successful, the following interface will pop up, telling you that the reservation is successful, but the real effective date is from October 2019. It does not take effect next month, which means that this function is still in internal testing. But when your mobile phone shows that the appointment is successful, it does not mean that the appointment has actually been successful.

You can see that there is an important small print prompt in the appointment interface: "You will receive a text message notification in September to determine whether the setting is successful. Making an appointment does not mean that the setting is successful. The details will be determined by text message." Correct. "Surprise or not? Surprising or not?" If you regret it, you can also click the cancel button below, and then Alipay will change to the default payment on the first of every month and repayment on the 20th.

This is the end of the introduction about subverting credit cards and maxing out credit cards. I wonder if you found the information you need?