Help for new users applying for SPGAmex credit card

Credit card application conditions:

1. The minimum application age specified by the bank is 18 years old, and the maximum application age is 60 years old;

2. Your second-generation ID card is required;

3. Proof of employment and income stamped with the company’s financial seal;

4. No bad credit Records;

5. Other proof of financial resources, such as real estate, cars, stocks, bonds, etc.

Materials required to apply for a credit card:

1. Applicant’s ID card;

2. Apply for the bank’s credit card application form;

3. Proof of work and income certificate stamped with the financial seal of the unit;

4. Individual private operators need an individual business license and tax returns for the past three months;

5. Others Proof of financial resources: income tax withholding voucher; copy of own property certificate; copy of own car driving license.

Credit card application process:

1. Fill in the application form;

2. Give the bank’s personal information and a copy of the information;

3. The bank sends it to the credit card center;

4. The credit card center reviews, prints and issues the card;

5. After I get the card, I open it and wait for the password letter .

Which credit cards can be exchanged for SPG points

1. Choose a good card to increase your points. With the continuous development of Internet finance, the proportion of online consumption has become higher and higher. In the past, most netizens paid more attention to the points activities of credit card offline transactions. In fact, if you choose the right credit card, you can also have unexpected gains online. . For example, a Taobao Xin card launched by a certain bank allows you to quickly pay for purchases online through Alipay, and you can also get credit card points rewards. Every RMB 1 spent will earn you 1 credit card point, and points from online and offline purchases can be combined.

2. It is more cost-effective to use online. Credit card points can be directly used as money online. For example, using the Taobao Xin card mentioned above to pay through the Alipay quick payment function, you can make online purchases, pay utility bills, etc. without opening online banking. And the points can be exchanged for Taobao "Jifenbao" points, which can be directly deducted in cash when shopping on Taobao. 500 credit card points = 100 Alipay Jifenbao = 1 yuan, and the maximum single redemption limit is 50 yuan. Overall it's a pretty good deal.

It is relatively convenient to use points online. You can also go to the special merchants of the credit card to redeem gifts.

What kind of credit card is good for staying in hotels?

Question 1: What kind of card is more cost-effective for those who often stay in hotels? In fact, no membership card is very cost-effective, and some of them charge fees. Yes, but you can apply for one if their hotel is holding activities. Generally, the card is valid for one year and will be invalid if not used.

Question 2: How to use a credit card to stay at a hotel cheaply. How to use a credit card to stay at a hotel Skyhorse cheaply.

As the saying goes, "the road to richness comes from a poor family". You can be frugal in your daily life at home, but you can be sure when you go out. Bring more "money" and don't treat yourself badly. Especially when you take your children out to play after having children, you should not neglect the quality of the trip because of money, which will affect your mood. Moreover, incidents like the "Yilitel Hotel" occur one after another, which also makes us quite worried about the security issues of express hotels and small private hotels. Therefore, whether it is for ourselves or our families, we need to spend more energy to provide them with For a more comfortable and safer travel experience, today’s article may be able to help you.

1. Cards with hotel privileges

1. China Merchants Bank Classic Platinum Card

Enjoy 4 VIP room stays at “300 Selected Hotels” Night rights, select more than 120 boutique design hotels to enjoy your vacation time.

2. China Merchants Bank Diamond Credit Card

In addition to the above selected hotels, the China Merchants Bank Diamond Credit Card can also be redeemed at 3 major parent-child theme park hotels (Hong Kong Disneyland Hotel, Guangzhou Chimelong Hotel, Zhuhai Chimelong Circus Hotel), ClubMed resorts (ClubMed’s 6 Asia-Pacific resorts located in Guilin, Dongao Island, Sanya, Bali, Phuket and Bintan Island) and the well-known luxury resort hotel Banyan Tree (Hangzhou Xixiyue Banyan Tree, Banyan Tree Lijiang, Banyan Tree Chongqing Beibei, Banyan Tree Shangri-La Rengan, Banyan Tree Yangshuo, Banyan Tree Tianjin Haihe and Angsana Xi'an Lintong Hot Spring Hotel).

In addition, cardholders should also note that Banyan Tree Lijiang, Banyan Tree Shangri-La Rengan, Banyan Tree Xixi Hangzhou, Commune at the Foot of the Great Wall, Hong Kong Disneyland Hotel, and Chimelong Hotel Guangzhou , ClubMed resorts, etc. need to deduct 2 room-night entitlements when redeeming 1 room-night accommodation.

3. China Merchants Bank Express Platinum Card

Enjoy the privilege of staying in room nights at VIP rates for 4 times at "300 Selected Hotels", and get Hilton Gold Card membership for free. "Club Carlson Gold Membership" allows you to enjoy VIP privileges at more than 1,000 hotels around the world. In addition, because the FHR plan is supported by American Express, this card easily enjoys the best hotel benefit package in the country. What is indispensable is the FHR plan - you can enjoy room upgrades and free gifts when staying in more than 600 top hotels and resorts around the world. Breakfast, 100 USD meal coupons upon check-in, and free first class privileges for three days stay. FHR hotels are basically Luxury Boutique level, so the basic quality can be trusted, and there will be no pitfalls when booking.

4. Shanghai Pudong Express Platinum Credit Card

50,000 points can be redeemed for accommodation rights twice a year. The hotel covers more than 70 star-rated hotels in 40 popular tourist resort cities at home and abroad and in Southeast Asia. and boutique hotels. After calculation, after using 200,000 points to deduct the annual fee, it is most appropriate for the remaining points to be used to redeem hotel accommodation rights. In addition, when staying at AccorHotels, stay 1 and get 1 free, stay 2 and get 2 free, and stay N and get N free. In addition, this benefit requires "consecutive" stays.

2. Hotel co-branded card

1. CITIC IHG Priority Club Gold Card

After opening the card, you can get IHG Gold Card membership and enjoy weekends 30% off room price, free breakfast for two persons and one child's breakfast, free extra bed, late check-out until 4 pm, etc. The annual fee is waived in the first year of opening the card, and the annual fee is waived in the following year by swiping the card 5 times. If you hold i Platinum or above, you can apply for final exemption.

2. Pudong Development IHG Rewards Club Co-branded Card

The points of the IHG Co-branded Card are calculated into the qualifying points, so in theory, it is possible to use this card alone The card allows you to upgrade your IHG to Platinum and Joy membership. With Priority Club points, you can redeem free nights at any of InterContinental Hotels Group's more than 4,600 hotels around the world. For example, you only need 10,000 points to redeem free nights at Holiday Inn Express hotels in China. In addition, this card can not only accumulate points through consumption, but also accumulate points through Pudong Development Red Packets.

In addition, the MasterCard WORLD card can upgrade your SPG overnight. VISA Platinum Card and UnionPay Platinum Card also often have hotel promotions. Pay attention before traveling, which will bring unexpected gains during the trip.

I hope the above introduction will help you on your future journey.

Question 3: What kind of credit card is good for staying in hotels? Bank of Communications, Hua Xia Bank, high limit, easy to pass.

Question 4: What kind of credit card is suitable for hotel accommodation? Banks all have hotel co-branded credit cards. It depends on which hotel you often stay at, and then find the corresponding card type

Question 5: What is a credit card hotel pre-authorization? Frequent business travelers may have experienced bank card pre-authorization: when staying at a hotel, you first swipe your credit card at the front desk, then sign, check in, and swipe again when you check out to complete the payment. The so-called pre-authorization is a transaction in which the card issuer or its agency confirms the authorized frozen limit before the cardholder makes payment.

In other words, pre-authorization means that when customers make purchases, those who often travel for business may have experienced bank card pre-authorization: when staying at a hotel, first swipe the credit card to the front desk, then sign, check in, and swipe again when checking out. , the payment is completed. The so-called pre-authorization is a transaction in which the card issuer or its agency confirms the authorized frozen limit before the cardholder makes payment. In other words, pre-authorization refers to a transaction that requires the card issuing department to make a commitment to the merchant for future payment when the customer makes a purchase because the consumption amount is undetermined. The amount of the pre-authorized transaction will be frozen, and you will not be able to participate in other transactions until the pre-authorized settlement of the corresponding transaction occurs. The pre-authorization will be canceled when the customer settles the pre-authorization. If the customer does not make settlement within 30 days after the pre-authorization occurs, the pre-authorization will also be cancelled. Under normal circumstances, pre-authorization can only be completed by credit card, but some banks such as China Merchants Bank's debit cards can also be used for pre-authorization. For example, hotels and hotels often require a certain amount of cash as a deposit for accommodation. If pre-authorized, the cardholder swipes the card at the front desk and confirms the signature, and part of the funds in the card will be frozen. This part of the funds is approximately estimated. About 115% of consumption. When the cardholder leaves, if the credit card is used to settle purchases with the merchant, the merchant will cancel the pre-authorization and release the freeze. If the cardholder ends up settling in cash, remember to ask the merchant to cancel the pre-authorization at the POS terminal. If not canceled, this part of the freeze will be automatically lifted after 30 days. In addition to hotel reservations, bank card pre-authorization can now also be used to book air tickets online. In fact, pre-authorization means freezing part of the funds, which is equivalent to paying part of the deposit. Since it is mainly used for deposit consumption, the current pre-authorization business is mainly focused on hotel and air ticket bookings.

Question 6: What should you pay attention to when using a credit card to stay in a hotel? 1. When booking a room with a credit card, the hotel will ask you to show your credit card and swipe a blank bill. This blank signature The bill represents your ability to pay, so you don't need upfront fees or mortgage documents. It's important not to sign the blank bill after you swipe it, and to remember to get your credit card back.

2. If you call the hotel to book a room by yourself and indicate that you want to pay with a credit card, the hotel staff will ask you for a credit card. The meaning of this action is to ensure that you will pay on the day of the reservation. Only when you stay at the hotel will the hotel reserve a room for you. Therefore, if you have reserved a room but fail to arrive at the hotel on time due to some special circumstances and do not notify the hotel to cancel the reservation, the hotel will help you reserve the room for one day through the guaranteed room reservation procedure. So even though you didn't check in, the hotel has prepared a room for you, so you still have to pay for a day's stay at the hotel.

Therefore, if similar cancellations happen in the future, please remember to notify the hotel and ask the hotel to give you a cancellation number and copy this number. If the hotel still charges you, you can check with the bank using your name, hotel name, and cancellation number.

3. When checking out, the hotel will fill in the various charges for the stay on the purchase form. Only after you check that all the charges are correct can you sign and confirm on the purchase form, and you are done. trade.

Question 7: Which credit card is more commonly used when staying in five-star hotels? You can apply accordingly according to your own situation.

1. For Bank of Communications credit cards, the threshold for card approval is very low. You only need to provide your ID card and proof of your employment (i.e. work permit, badge, or proof of income stamped with the official seal of the unit). It can even be the original business card and a copy of the pass of the public institution)

The overdraft limit is average, not very high. Of course, the information you provide is relatively comprehensive, and you own real estate, cars, etc. The amount of proof will be much higher

BoCom's interest-free period for consumption is relatively long at 56 days

The points are one yuan per point, which is easy to accumulate. There are no points for withdrawing cash

The handling fee for cash withdrawals is 1%, with a minimum of 10 yuan for each transaction. That is to say, if you withdraw 1,000 yuan in cash, you will be charged 10 yuan, and if you withdraw 100 yuan, you will also be charged 10 yuan.

Except for YONG-POWER cards, a single consumption of 1,500 yuan The above can apply for installment repayment

There is no free text message reminder function for transactions, and there is a transaction reminder text message service of 3 yuan per month

2. Minsheng Bank credit card, the card approval requirements are higher than those of Bank of Communications. Moreover, your card will not be approved if you are not from the city, and there is some discrimination against those with rural household registration

The overdraft limit is slightly higher than that of other banks

The longest interest-free period for consumption is 50 days

There is no handling fee for withdrawing cash from local Minsheng Bank teller machines

You can set the statement date and repayment date of Minsheng Bank by yourself, and the point redemption is at an average level

3. China Merchants Bank Credit Card has a low threshold for card approval. It is the number one credit card brand in China and its card issuance volume is second only to Industrial and Commercial Bank of China

The overdraft limit is relatively higher than that of Bank of Communications and higher than that of Minsheng Bank and China Minsheng Bank. Everbright Bank is low, of course, this mainly depends on your property and income

The longest interest-free period for consumption is 50 days

The cash withdrawal fee is 1%, with a minimum of 10 yuan per transaction , this is the same as the Bank of Communications credit card cash withdrawal fee

The online mall is quite good, and installment repayment is convenient. According to current credit card owners, they have always been very satisfied with the customer service of China Merchants Bank Credit Card, and the credit card has a good reputation

4. Everbright Bank Credit Card, the threshold for card approval is very low. My Everbright Credit Card did not ask me for proof of employment or property.

The overdraft limit is very high, basically higher than any other bank.

The longest interest-free period for consumption is 50 days

The cash withdrawal fee is 1%, with a minimum of 3 yuan per transaction, which is the lowest among all other banks

Automatic installment function. After activating the automatic installment function, every time the card is swiped, regardless of the amount of the card, the payment will be automatically divided into 12 installments

Question 8: Can I stay in a hotel with a credit card?

As long as the credit limit is sufficient, part of the amount will be pre-authorized and frozen by swiping the card during registration, and the pre-authorized amount will be unfrozen and deducted according to the actual amount during checkout.

Question 9: Which bank credit card offers hotel discounts? Business travel card

China Eastern Airlines Gold, IHG, SPG Gold, what is the most appropriate posture to apply for a credit card

See personal needs.

Requirements for applying for a credit card:

1. Aged 18 and below 65 years old;

2. Have a good credit record;

3. Applicants may apply for no more than two supplementary cards for their spouses or relatives who have full capacity for civil conduct.

Materials for applying for a credit card:

1. Identity proof: copy of resident ID card or military officer ID;

2. Work and income proof;

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3. Other financial resources proof: such as a copy of the real estate certificate, a copy of the vehicle driving license, a copy of the deposit receipt, etc.

Credit card application process:

1. Fill in the application form;

2. Give the bank’s personal information and a copy of the information;

3. The bank sends it to the credit card center;

4. The credit card center reviews, prints and issues the card;

5. After I get the card, I open it and wait for the password letter .

Which bank’s credit card can exchange points for miles?

China Merchants Bank’s aviation co-branded card allows points to be exchanged for miles.

Airline co-branded card consumption mileage

1.

Earn 1 mileage for every RMB 18/USD 2 spent in a single transaction with an airline co-branded credit card, ANA co-branded The card will earn 1 mile for every RMB 20/USD 2 spent in a single transaction, and consumption and expenses that do not count points will not be counted and mileage cannot be calculated.

2.

The consumption miles of the supplementary card will be accumulated to the membership number of the principal cardholder, and the supplementary card will not be accumulated separately.

3. The validity period of consumption miles shall be subject to the announcement of the partner. If you need to check the number and redemption of consumption miles, you need to do so through channels such as the partner's website.

Extended information:

When you spend with a China Eastern Airlines co-branded credit card, you can accumulate 1 "Eastern Miles" point for every 18 yuan or 2 US dollars spent with the card. No need to You apply separately. Accumulated points can be used to redeem China Eastern Airlines award tickets, upgrades, and exquisite gifts.

Oriental Miles points will be accumulated on a transaction-by-transaction basis for card consumption, rounded up to whole digits, with decimal places ignored, and calculated into the Eastern Miles membership card account on a monthly basis.

According to the bank’s points rules, relevant fees paid through withholding and remittance, real estate, education, health, welfare and other government services, resident services and commercial services, wholesale merchants, supermarkets, "Oriental Miles" points will not be calculated for consumption at gas and automobile merchants and those announced on the China Merchants Bank website that do not accumulate transaction bonus points.

China Merchants Bank-Airline Co-branded Card Spending Miles

China Merchants Bank-China Eastern Airlines Co-branded Credit Card

A newcomer to SPG, can I still delete the credit card bound to my Marriott account

Information required for credit card application

1. Identity proof information: a copy of resident ID card or military officer's ID card; if you are a compatriot from Hong Kong, Macao and Taiwan or a foreigner applying in the mainland, you also need to provide Proof of work.

2. Work and income certification materials: salary certificate, copy of social security (paid for more than half a year).

3. Supporting information for Agricultural Bank of China credit card application: academic qualifications, professional titles, professional qualification certificates, self-owned real estate certificate, self-owned car driving license, telephone number, water, electricity, and gas of the current place of residence in the past three months. The original document of any fee, a copy of a time deposit certificate issued at the Agricultural Bank of China with an amount exceeding 10,000 yuan, etc.

This ends the introduction to SPG co-branded credit cards and American co-branded credit cards. Have you found the information you need?