Earlier, Admiralty Online, Youth Times and other media reported that Liang Yu, the "China Card King" who became famous overnight because of his addiction to swiping cards, now has more than 500 credit cards and his personal credit exceeds 6 million. Correspondingly, in this era, many people only hold a few cards, but they are inexplicably brushed as "card slaves".
People with the most credit cards in China.
Nanjing Wangka owns 196 credit cards.
The total credit is 2.6 million, and credit card points have been exchanged for cars.
South China News 2008- 1 1-25
Liang Yu, who is in his early thirties, is recognized as the "card king" of domestic credit cards by friends in the industry: he has 196 credit cards, and all of them are activated. In order to "feed" these credit cards, Liang Yu keeps swiping them every day, and he feels sad if he doesn't swipe them every day. Because of the credit card, his life has become very happy.
The total credit is 2.6 million yuan.
Three years ago, under the introduction of a friend, Liang Yu opened his first credit card-China Bank Great Wall Credit Card, with a credit line of 3,000 yuan. Because he usually spends a lot of money, Mr. Liang can brush a credit line of 3000 yuan every month. So after his credit card was swiped for half a year, because of his excellent credit record, his credit limit increased rapidly, from 6,000 yuan to15,000 yuan to 30,000 yuan to 50,000 yuan. The reporter learned that the quota of 50,000 yuan is equivalent to the maximum amount of gold card of China Bank at present.
From Liang's point of view, owning a credit card, especially a platinum credit card, is a status symbol. For example, an ICBC platinum card owned by Mr. Liang. This card was handled by Mr. Liang through Yangzhou ICBC last year.
It is understood that the target customers of ICBC Platinum Card are middle and senior managers of Fortune 500 companies, and this card can only be processed by invitation.
"At that time, ICBC issued 5,000 platinum cards nationwide, while Yangzhou only issued 6 cards at that time. Four of them are bosses of big companies, and my card is the sixth. " Liang Yu said.
Liang Yu told reporters that among all credit cards, the highest amount is a silver-black Industrial Bank platinum credit card, which is 200,000 yuan. There are also two relatively large ones: the Platinum Card of ICBC and the Platinum Card of China Construction Bank, both of which are RMB 6,543,800+0.5 million. Credit cards of other banks range from 654.38+10,000 yuan to 654.38+10,000 yuan.
At present, the total credit of nearly 200 credit cards in Liang Yu exceeds 2.6 million yuan.
Never forget to pay back the money.
Liang Yu told reporters that he swiped his card every day, and he would feel sad if he didn't swipe it. "Even if you go to the supermarket to buy a bottle of water, you should brush it." He said that in order to swipe his card, he would ask in advance whether he was eating or having fun. If he can't swipe his card, 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 notebook with him, and each page records the card name, consumption date and repayment date of each card.
Because he swipes his card every day, Liang Yu can receive the bank statement every day. On the statement, there are as few as a dozen and as many as dozens. In order to prevent mistakes, Liang Yu not only repays through online banking, but also binds each credit card with a corresponding bank debit card.
Often rub colleagues' "free meals"
Liang Yu told reporters that because some credit cards can be discounted, generally speaking, colleagues will ask him where to eat in the evening, and colleagues are interested in the credit cards that he can discount.
"I have an idle card of Ningbo Bank with an overdraft limit of 50,000. I can get a 50% discount when I eat in many places. " Liang Yu said that because he has a credit card, he often "rubs" his colleagues' meals.
In order to raise a card and swipe it, Liang Yu often goes shopping with his colleagues, which is a waste. "Even if we don't go shopping together, I will wait until my colleagues are about to pay the bill." Liang Yu told reporters, first, because he wants to keep a card, and second, because he has many co-branded credit cards that can be discounted in the mall. Therefore, colleagues also enjoy it.
A convertible with high credit card points
The reporter saw that among the 196 credit cards owned by Liang, there are dozens of gold credit cards and more than a dozen platinum credit cards. It is understood that at present, the annual gold card fee of each bank is around 200 yuan. However, because Liang Yu is "diligent", the annual fees for dozens of gold cards are generally free. The annual fee of platinum credit card is inevitable. The annual fee of platinum credit cards ranges from 2,000 yuan to 3,000 yuan, and Mr. Liang's more than ten platinum credit cards add up to 30,000 yuan to 40,000 yuan.
But an investment of 30,000 to 40,000 yuan will definitely bring 30,000 to 40,000 yuan or more in output.
"Take the Platinum Card of Industrial Bank with the highest credit limit as an example. I pay an annual fee of more than 2,000 yuan for the Platinum Card, but I can enjoy free medical examinations for individuals and their families including a certain number of golf courses, and make an appointment with experts from any hospital in Nanjing and myself for 36,000 yuan. And the VIP channel at the airport." Liang Yu said.
The reporter learned that due to constant credit card swiping, the accumulated points of some credit cards in Liang Yu's hand have reached several million. If you change, you can already change cars. However, because he already owned two cars, he didn't exchange them.
In addition, Liang Yu's family has many small gifts with credit cards.
However, Liang Yu is not very concerned about these. He told reporters that swiping a card is fun and doesn't care what the bank gives back.
Jinling Evening News feed
Liang Yu in his early thirties has 196 credit cards.
What is the smart credit card of China Merchants Bank?
SMART is a special credit card created by China Merchants Bank for young people. The annual fee of smart credit card of China Merchants Bank is about 200 yuan, and the first annual fee is exempted. Then as long as you swipe your card five times, the annual fee will be waived next time. The longest interest-free period is 60 days, and the credit line is generally 50,000. You can withdraw 30% of the credit line for free.
Moreover, the biggest advantage of China Merchants Bank's smart credit card is that whether it is local or off-site, or other banks, there is no handling fee for cash withdrawal, which is much more convenient than other types of credit cards.
Why is China Merchants Bank Credit Card called "Card King"?
The Excellence of China Merchants Credit Card is mainly divided into two aspects, the first is the right to use, and the second is the amount and financing.
As the first bank founded by an enterprise in China, China Merchants Bank deeply felt the pressure brought by state-owned banks at the beginning of its birth, so it was determined to become the largest private bank in the world from the beginning. Based on this, in the risk control system, China Merchants Bank has completely different systems and credit standards from other banks. One of the most remarkable features is the uninterrupted withdrawal of China Merchants Credit Card.
China Merchants Bank is the only bank in China that can continuously increase its quota. The intermediary has been touting various methods such as "graduation in 45 days" and "cash installment", which can make your China Merchants Credit Card graduate from the initial credit limit of 15W to comprehensive financing of 50W, which is one of the important reasons why China Merchants Credit Card is called the card king.
Then, let's take a look at the credit card withdrawal and financing of China Merchants Bank. There are many factors that affect the credit card limit and the later credit limit in the process of credit card withdrawal. Including the grade of credit card, the type of credit card, the initial amount of the card, and even the personal debt ratio.
Among them, the lower the credit card level, the more difficult it is to increase the credit card quota and comprehensive financing in the later stage. We all know that credit cards include ordinary cards, gold cards and platinum cards, which are more common. Of course, there are more advanced diamond cards and black cards Then for credit cards, it is the most difficult to increase the credit limit of ordinary credit cards.
In order to break through this hurdle, we usually choose to cancel the reaffirmation or curve two cards to reach the gold card and above, so as to better enjoy the convenience brought by the high credit card limit. However, China Merchants Bank's credit card is not restricted by this rule, and any grade of credit card can reach the limit of 15W or above.
There are also various types of credit cards. The more low-end cards, such as game co-branded cards and business super-branded cards, the more difficult it is for these cards to raise credit lines and raise funds comprehensively. The higher the business card, the more powerful it is. All banks follow this rule, but investment promotion is still excluded.
Any card that attracts investment can graduate perfectly. The initial amount of the card, the potential of a credit card in the later stage and the difficulty in the later stage are all closely related to the initial amount of the card. The lower the amount of the card, the more difficult it is to increase the amount of the card in addition to attracting investment in the later period.
In other words, as long as you have China Merchants Credit Card, no matter what kind of card, initial quota and grade, you can graduate quickly and in full, which is one of the reasons why China Merchants Credit Card is called the card king.
Why is China Merchants Bank called the "King of the Mainland Card"?
I believe that the word "continental card king" refers to more than just credit cards.
I remember it seems to be in 1998? China Merchants Bank launched a "one-card" for savings business and gave it more functions, which was a meaningful innovation at that time. Because at that time, domestic bank cards were basically stored under the passbook. In my opinion, the positioning of "bank card" at that time was based on the premise of "relieving the working pressure of counter staff", and basically only played the function of "withdrawing money" by bank card. This can also be seen from the fact that each bank outlet has at most 1-2 ATMs.
However, from the very beginning, China Merchants Bank regarded the "one-card" debit card as a fully functional account and did not need to handle the passbook separately. China Merchants Bank branches all over the country use a unified system to realize the instant receipt of remittances or transfers from different places in the same city, which is undoubtedly a highlight; At the same time, China Merchants Bank will also take card convenience as an important part of customer service; I believe that since 2000, all localities have had to admit the setting of ATM withdrawals and CDM multifunctional machines at China Merchants Bank outlets. Even if banks change their ideas and study hard, the self-service equipment of China Merchants Bank outlets is the most comprehensive.
More importantly, the all-in-one card has gradually developed from supporting telephone banking (functions such as inquiry and payment can be realized through customer service phone, which was the first one at that time) to issuing practical online banking systems before other banks to realize online payment and transfer. It is no exaggeration to say that the prosperity of major online shopping websites in China today has a lot to do with the rapid development and continuous innovation of China Merchants Bank's online banking.
Therefore, in my opinion, the start and development of China Merchants Bank has a lot to do with its "one card" bank card. Without the development of one card, there would be no development of China Merchants Bank. I believe that it is not too much for China Merchants Bank to be regarded as the "mainland card king".
Second, talk about China Merchants Bank credit card.
It is believed that many fashionable words created by China Merchants Bank for credit cards in 2003 have been widely known, such as "Travel around the world with one card and two currencies", "Exempt from the annual fee for the following year by swiping X times" and "Redeem points for consumption". Before China Merchants Bank launched its credit card in 2003, the credit card entry threshold under the complete definition in China was relatively high. I remember that in 2002, a colleague of mine applied for the Great Wall Credit Card (quasi-credit card) of China Bank. Because the guarantor was me, I had to be pulled to the bank. When I handed in the form, I reviewed it face to face. Later, because of my short work experience, I paid a deposit. At that time, ICBC and BOC swiped cards abroad separately, and the entry threshold was high. In 2003, China Merchants Bank introduced many credit card concepts, subverting people's perception that credit cards are high-end goods, and introduced more elements that credit cards did not have before, including "one card with two coins", "free annual fee for swiping X" and "accumulated points for consumption". At the same time, inheriting the characteristics of the previous "one card", China Merchants Bank credit card also has excellent support for online payment (domestic/overseas).
From my personal point of view, without the "dark horse" behavior of China Merchants Bank against credit cards, there would not be such a wonderful and evenly matched performance of the credit card market in China. What is a credit card? It's just a payment tool. What's wrong with letting it "fly into the homes of ordinary people" and letting people enjoy its convenience with it?
Perhaps the credit card of China Merchants Bank has a low entry threshold for some people with strong financial resources, which makes their proud "having a credit card" become nothing to show off wealth and capital. However, China Merchants Bank's credit card is not bad, which will generally promote the establishment of China's personal credit system.
Perhaps one thing can be a good proof-people who are interested in the personal credit card report made by the People's Bank of China can read it and have a look. Many people who apply for CMB credit cards provide the most active and timely updates on their personal information collection and monthly repayment.
In short, it took China Merchants Bank three years to issue 8 million credit cards, and at the same time, it made a profit. In addition to its performance on the "one card", China Merchants Bank is regarded as the king of domestic cards. In my opinion, as a non-financial person, she is well deserved.
How to use the credit card of World Card King?
Used for consumption, financial management, etc. According to relevant public information, around 2005, China's economy continued to develop rapidly, and a man named Liang Yu appeared, male, from Wangka, China. President of China Kayou Association and founder of Yintong Enterprise Group. Specializing in credit cards for more than ten years, he applied for and received more than 500 credit cards from banks, becoming the person with the largest number of credit cards (live cards) in China and even in the world, so he was praised as "China Card King" by the media. He uses so many credit cards mainly for consumption and financial management, and there are special books and lectures on how to manage money with credit cards.
What are the benefits of Kawang Express Centurion Black Gold Card membership?
The American Express Centurion Black Card has always been regarded as the king of cards and the battle card in the black card of credit cards. Many people dream of becoming a member of the American Express Centurion Black Gold Card, which is a symbol of status and money. So besides the well-known rights and interests, what are the unknown benefits of becoming a member of the American Express Centurion Black Gold Card?
1. Give 1.5 million RMB accident insurance;
2. Hong Kong free legal counsel;
3. Star hotels in China, Hongkong, Macau and the Asia-Pacific region, and can enjoy facilities and discounts of more than 50 golf courses in China;
4. In addition to the discounts for high-end restaurants, brand-name clothes, high-end department stores, high-end clubs and nightclubs, members can enjoy discounts when changing car seats, regardless of whether they are old or new;
5. When members introduce relatives and friends to join the club, Asia Pacific Group will give members 5% cash back as a reward;
6. Enjoy shopping and nightclub cash coupons at the same time;
7. Members have reached the VIP level, and if they don't want to continue to join, they can still quit when they join.
8. Give the casino VIP room membership;
A. You can pay half the membership fee in advance for entertainment in the VIP room of the Macao joint venture casino (7 days interest-free);
B. Free air tickets arrive at casinos in the Philippines and Malaysia every week;
C. Macau casino consumption, you can get free tickets or hotel accommodation;
D. commission rebate of casino code;
E. provide private secretarial services for members outside the office;
So much for the introduction of credit card king.