Nanjing’s “Card King” owns 196 credit cards

The total credit limit is 2.6 million yuan, and the credit card points can be exchanged for cars

Nanguo Jinbao 2008- 11-25

Liang Yu, who is in his early 30s, is recognized by friends in the industry as the "King of Credit Cards" in China: he owns 196 credit cards, all of which are activated. In order to "support" these credit cards, Liang Yu kept swiping his cards every day. He felt sad if he didn't swipe his cards for a day. Because of his credit cards, his life became extremely happy.

The total credit limit is 2.6 million yuan

Three years ago, under the introduction of a friend, Liang Yu applied for his first credit card - the Bank of China Great Wall Credit Card, with a credit limit is 3,000 yuan. Because he spends a lot of money, Mr. Liang is able to max out his credit limit of 3,000 yuan every month. Therefore, after 6 months of maxing out his credit card, his credit limit quickly increased from 6,000 yuan to 15,000 because of his good credit record. Yuan → 30,000 yuan → 50,000 yuan. The reporter learned that the limit of 50,000 yuan is equivalent to the current maximum limit of Bank of China’s gold card.

In Liang Yu’s view, owning a credit card, especially a platinum credit card, is a status symbol. For example, Mr. Liang owns an ICBC platinum card. This card was applied for by Mr. Liang through ICBC Yangzhou last year.

It is understood that the target customer group of ICBC Platinum Card is the middle and senior managers of Fortune 500 companies, and only those who are invited to apply for this card can apply for this card.

“At that time, the number of ICBC Platinum Cards issued nationwide was 5,000, and only 6 were issued in Yangzhou. Four of them were bosses of large companies, and my card was the sixth.” Liang Yu said.

Liang Yu told reporters that among all credit cards, the highest limit is a silver-black Industrial Bank Platinum Credit Card, which is 200,000 yuan. There are two larger ones: the Platinum Card of Industrial and Commercial Bank of China and the Platinum Card of China Construction Bank, each with a limit of 150,000 yuan. Credit cards from other banks have credit limits ranging from 100,000 yuan to 10,000 yuan.

Currently, the total credit limit of Liang Yu’s nearly 200 credit cards is more than 2.6 million yuan.

Never forgot to repay a loan

Liang Yu told reporters that he had to swipe his card every day and felt sad if he didn't swipe his card. "Even if I go to the supermarket to buy a bottle of water, I have to swipe it." He said that in order to swipe his card, whether it is a place to eat or a happy place, he will ask in advance. If the card cannot be swiped, he will change places immediately.

The reporter learned that despite having 196 credit cards and swiping them every day, Liang Yu has never had a bad credit record.

Liang Yu carries a small book with him, and each page is densely recorded with the card name, consumption date and repayment date of each card.

Because he swiped his card every day, Liang Yu received statements from various banks every day. On the statement, there are at least a dozen records and as many as dozens. In order to prevent mistakes, Liang Yu not only repaid through online banking, but also bound each credit card to the corresponding bank debit card.

Often taking advantage of colleagues' "free food"

Liang Yu told reporters that because some credit cards can provide discounts, generally speaking, colleagues will ask them where they want to eat at night. What his colleagues are interested in is the credit card he can get discounts on.

“I have an idler card from Bank of Ningbo, with an overdraft limit of 50,000 yuan. I can get 50% off on meals at many places.” Liang Yu said that just because he has a credit card, he often “takes advantage of” his colleagues. Eat.

In order to maintain and swipe his card, Liang Yu often went shopping with his colleagues in vain. "Even if we don't go shopping together, I will rush over to pay when my colleagues are about to pay the bill." Liang Yu told reporters, firstly because he wants to maintain a card, and secondly because he has many co-branded credit cards in shopping malls that can offer discounts. Therefore, colleagues also enjoy it.

High credit card points can be redeemed for cars

The reporter saw that among the 196 credit cards owned by Liang Yu, there were dozens of gold credit cards and more than a dozen platinum credit cards. It is understood that at present, the annual fee for each bank's gold card is about 200 yuan. However, because Liang Yu is more "diligent" in swiping cards, the annual fees for dozens of gold cards can generally be waived. It is difficult to waive the annual fee of a platinum credit card. The annual fee of a platinum credit card ranges from 2,000 yuan to 3,000 yuan. Mr. Liang’s more than ten platinum credit cards add up to 30,000 to 40,000 yuan.

However, an investment of 30,000 to 40,000 yuan will definitely bring an output of 30,000 to 40,000 yuan or more.

“Take the Industrial Bank Platinum Card, which has the highest credit limit for me. I pay an annual fee of more than 2,000 yuan for the Platinum Card. However, I can enjoy free use of golf courses including a certain number of times. Free physical examination for individuals and their families, appointments with experts at any hospital in Nanjing, and feedback of 36,000 yuan for themselves and the VIP channel at the airport," Liang Yu said.

The reporter learned that due to constant credit card swiping, the accumulated points on some credit cards in Liang Yu’s hands have reached several million points. If redeemed, they can already be redeemed for cars. However, because he already owned two cars, he did not redeem it.

In addition, Liang Yu’s home has a lot of small gifts swiped by credit cards.

However, Liang Yu didn’t care much about these. He told reporters that swiping a credit card is a joy and he doesn't care about the bank's feedback.

Contributed by "Jinling Evening News"

Liang Yu, who is in his early 30s, owns 196 credit cards