The 5 most worthy credit cards in 2022

1. ICBC World Struggle Card

Needless to say, ICBC has always been one of the best among banks. Yes, according to many netizens, the application threshold review conditions are relatively loose, it is easier to handle, and if you maintain your card well, it is easier to increase the limit. As for this ICBC World Struggle Card, it has quite a lot of benefits and is very easy to apply for. It is considered one of the ICBC cards that is relatively easy to apply for. It has three levels: regular card, gold card, and platinum card. It is recommended that you apply for the gold card. The gold card is easier to get. It is relatively easy to raise the limit of this credit card, which is also true for your star rating in ICBC. Helpful.

2. China Merchants Bank Young Card

Many people regard this China Merchants Bank Young Card as their first credit card in life. Its application conditions are very simple and it is more suitable for newly graduated college students. The limit increase speed is faster than other banks' credit cards. As long as your credit status is good, you can get the limit increase quickly. Therefore, keeping this card in good condition will be very helpful in applying for credit cards from other banks in the future.

3. Agricultural Bank of China’s Beautiful Mom Credit Card

Agricultural Bank of China’s credit card has always had a very good reputation among the public, and many cardholders said that Agricultural Bank of China’s credit card limit increase is the best among all banks. The fastest, it is said that there is no upper limit on the amount you can raise. Don’t think that only women can apply for the Agricultural Bank of China’s Pretty Mom Credit Card, men can apply too. The reason why it is called this card is because this card mainly provides benefits in maternal and infant products, female products, etc. This card is worth applying for as a family. Not only will there be various discounts on shopping purchases, but also It is beneficial to maintaining the card and is very worth buying.

4. Pudong Development Youth Campus Card

The risk control of Shanghai Pudong Development Bank is relatively loose, and the limit increase is also very good, and Shanghai Pudong Development Bank also has universal funds, which is very Heartwarming. The Pudong Development Youth Campus Card is mainly aimed at young people. It is easy to apply for this credit card. The card’s rights and points are very good. It also has an exclusive “Dream Gold”. This credit card is also very easy to use. You can also pick wool.

5. Guangfa DIY Credit Card

Although Guangfa Bank is not as famous as the banks mentioned above, the credit card of Guangfa Bank is also very worth applying for. The limit increase speed is very fast. Many netizens said that they can increase the limit by swiping the card casually. One of the great advantages of Guangfa DIY Card is that the points are very generous. You can enjoy various points discounts when applying for this credit card. It is quite enjoyable to use it to earn money. As long as your personal credit is good, there is no problem applying for this card.

How to make money with Ping An Credit Card

You can make money by paying attention to events and holiday discounts with Ping An Credit Card.

There are many preferential activities for Ping An Credit Card. At the same time, there will be discount coupons for purchases on the e-commerce platform. You can get wool by using the coupons. At the same time, corresponding activities will be launched during holidays every year, usually only You need to pay attention to the event announcements within a week before the festival, get the coupons in advance, and consume before the coupons expire to enjoy preferential prices.

The purpose of credit card activities is to increase the utilization rate of users, so many corresponding consumption discounts will be provided to promote user consumption. While users enjoy the discounts, the consumption amount will also increase.

Credit card hunting guide: whichever credit card is more affordable

Now that credit cards are becoming more and more popular, various banks have a lot of card application and credit card promotions, and from time to time Give some small gifts, and many people even apply for the card for the free gifts. It used to be "gathering the wool of socialism", now it's "gathering the wool of banks".

It is relatively simple to use credit cards to "gather wool", because credit cards carry out many activities. As long as you pay a little attention and choose the appropriate credit card when swiping the card, you can smoothly "gather" the "money". ". For example, netizen CXY1 actually received nearly 10 boxes of milk by swiping his Minsheng credit card; netizen "I Have a Happy Tree" used his Shanghai Pudong Development Bank credit card to successfully "pick up" a set of Supor pots; netizen "byby" used his Ping An credit card to "pick up" To 10 yuan movie tickets. Li Si, a young white-collar worker born in the 1980s, is also a member of the "wool tribe". Recently, she "snapped" a good product - a free leisure folding chair when she spent 199 yuan or more on opening the card.

"I am an online shopping fanatic and often shop on Taobao. A few days ago, my colleagues recommended me to apply for a Bank of China Taobao card. I did not hesitate to apply for one. Unexpectedly, they are doing promotions and even give away chairs! If you are a new applicant, With Taobao Card, you can easily get a folding leisure chair worth 100 yuan as long as you make 3 transactions of 199 yuan or more at physical merchants or Taobao malls, or apply for an 'easy installment purchase' business. It's so cool to 'scrape' a chair from the Bank of China."

While everyone is showing off their credit card "wool", there are also netizens sharing their tips on how to "scrounge" the credit card. If you want to use your credit card to make money, you might as well learn it. Saving money starts with collecting credit card money.

To understand the true meaning of "gathering" credit card "wool", you must first choose a reliable and easy-to-use credit card to open up the situation! From the moment you apply for a card, you can tell at a glance whether a credit card is reliable and affordable! Don't just focus on the small gifts placed on the salesperson's desk. The bank understands you if it is willing to give you real money and silver benefits when you apply for a card!

Fashionable and convenient online card application is the first choice for more and more new people. Bank of Communications Credit Card has launched a special event to apply for a credit card online. If you successfully apply for a credit card, you will receive a 100 yuan credit card bonus. The 100 yuan card credit is not comparable to those piggy banks, chopsticks, lunch boxes and the like! And you can stay at home and the card will be mailed to you quickly.

Although all kinds of dazzling activities are tempting, in the final analysis, it is most cost-effective to spend less real money! You can help everyone save more money by taking advantage of the cooperative merchants of Bank of Communications credit cards all over the world, as well as promotions such as timely refund of credit card fees when the card is full. In a simple word, it’s the same gain with less effort!

As soon as you search on the official website, you will find that the cooperative merchants of Bank of Communications Credit Card are all over the country, as well as in various major fields of catering, entertainment, and leisure. If you are interested, you can check to see if there are any stores that you often visit. . If so, then you can’t let go of this opportunity! Because when you swipe your card at most cooperative merchants, you can enjoy exclusive discounts from Bank of Communications credit cards.

Iconic promotions of Bank of Communications credit cards. Every Friday, go to supermarkets, gas stations and other cooperative stores to swipe your card. If you reach a certain amount, you can get 5% of the card fee back. This activity is valid for a long time, and we can provide everyone with such a "grab" every week to earn card money. Chance.

Showing your "wool": The author often goes to a Sichuan restaurant with his colleagues at noon, where he can enjoy a 20% discount, and the one-time consumption is about more than 200 yuan. Calculated at a 20% discount, you can save almost 20 yuan at a time. It is common to visit more than ten times a month, and now I got a discount of more than 200 yuan. There is also the most popular Friday. If you spend 200 yuan in the supermarket every Friday, you can get 10 yuan in credit card credit.

Although points are only a derivative of daily credit card consumption, the reuse value behind them is still worth "collecting" again. Especially now, in the eyes of merchants, user loyalty is becoming more and more important, and when the method of using the value of points to lock in customers is becoming more and more reliable, everyone has to take points seriously - can " There are many unexpected surprises!

You know this! It is always more convenient to use a credit card when going abroad. Now you can get 10 times the points, which is a rare opportunity. Show off your "wool": In the past two years, the poster used Bank of Communications credit card points to exchange for a lot of stuff, such as Lock and Lock, induction cooker, etc.

No matter which trick you use, if you want to "snatch" the bank's "wool", you must pay more attention to bank activities. Which bank's activities are affordable, use the credit card of that bank.

The 5 most worthy credit cards

1. ICBC World Struggle Card

Needless to say, ICBC has always been one of the best among banks. According to many netizens, ICBC cards are also quite easy to get, and ICBC’s installment rates are not high, which is very beneficial for everyone to maintain their cards.

This ICBC World Struggle Card has quite a lot of benefits and is very easy to apply for. It is considered to be a relatively easy card to apply for in ICBC. It has three levels: regular card, gold card, and platinum card. The editor recommends that you apply for the gold card. The gold card will be easier to get. It is relatively easy to maintain this credit card and increase the limit. It will be beneficial to you in ICBC. Star ratings are also helpful.

2. Agricultural Bank of China’s Beautiful Mom Credit Card

Agricultural Bank of China’s credit card has always had a very good reputation among the public, and many cardholders said that Agricultural Bank of China’s credit card limit increase is the best among all banks. The fastest, it is said that there is no upper limit on the amount you can raise.

Don’t think that only women can apply for the Agricultural Bank of China’s Pretty Mom Credit Card, men can also apply. The reason why it is called this card is because this card mainly provides benefits in maternal and infant products, female products, etc. This card is worth applying for as a family. Not only will there be various discounts on shopping purchases, but also It is beneficial to maintaining the card and is very worth buying.

3. China Merchants Bank Young Card

China Merchants Bank and Industrial and Commercial Bank of China are comparable. The speed of credit card limit increase of China Merchants Bank is also at the forefront among all bank credit cards, and the limit increase is quite stable.

This China Merchants Bank Young Card has a low application threshold and a very high card withdrawal rate. If you are a newly graduated office worker, I suggest you apply for this card and keep it well because of its cash withdrawal discounts. It's pretty good.

4. Guangfa DIY Credit Card

Although Guangfa Bank is not as famous as the three banks mentioned by the editor, the credit card of Guangfa Bank is also very worth applying for, and the limit increase speed is very fast. , many netizens said that they can increase their credit limit by just swiping their cards.

One of the great benefits of Guangfa DIY Card is that the points are very generous. You can enjoy various points discounts when applying for this credit card. It is quite enjoyable to use it to earn money. And as long as your personal credit is good, you can apply for this card. There is nothing wrong with the card.

5. Pudong Development Youth Campus Card

The risk control of Shanghai Pudong Development Bank is relatively loose, and the limit increase is also very good, and Shanghai Pudong Development Bank also has universal funds, which is very Heartwarming.

The Pudong Development Youth Campus Card is mainly aimed at young people. It is easy to apply for this credit card. The card’s rights and points are very good. It also has exclusive “Dream Gold”. This credit card It is also very easy to raise and can be used to shear wool.

The above are the five credit cards that the editor has summarized that are worth keeping. In fact, there are many credit cards that are worth keeping. Credit cards from major banks are all worth keeping, and based on the feedback from cardholders, , the credit cards of the four banks, Industrial and Commercial Bank of China, China Merchants Bank, Agricultural Bank of China and Guangfa Bank, are all very good.

Credit card slang: What do "moving bricks", "wool" and "leg hair" mean?

Just like "Zongzi" and "Ghost Blowing Lamp" in Tomb Raider Notes, the credit card industry also has its own argots. In this issue, Mr. Aika will share these argots with you.

Basic common words

Brick

"Brick" specifically refers to 10,000 yuan, and "brick" means depositing money in a bank to obtain a high-end debit card or Credit card placement opportunities. For example, the CMB Golden Sunflower card application requirement is 50 bricks, which means 500,000 yuan.

The term "brick" comes from the appearance of ten thousand yuan, which looks like a red brick.

Wool

Credit/bank card points or activities that can obtain benefits/rights, "wool", that is, through activities to obtain points or use benefits/rights, such as Pudong Development AE The free three-time airport pick-up and drop-off, 9 CITIC points benefits, etc. can all be called "wool".

Wool comes from the sheep, and "gathering the wool" usually requires time or money. Occasionally it is free, and sometimes it is "reversely harvested", which means that the time/money cost is greater than the wool itself.

At present, the concept of "wool" is no longer limited to banks, but has been extended to hotels and airlines, and is divided into "small wool" and "big wool".

Guiyuan

At first it referred to beautiful female bank tellers, and later it generally referred to tellers.

Protection fee

The installment fee or handling fee paid by cardholders in order to apply for a card or increase the limit.

Black Room

Early referred to the VIP room of China Merchants Bank. Later, it generally referred to the blacklist of cardholders who entered the bank due to violations, refunds, etc., such as the Black Room of China Merchants Bank. Houses (temporary quotas cannot be raised, etc.) and Pudong Development’s small black houses (single digit red envelopes), divided into short-term and long-term.

Apply for a card using a card

As the name suggests, you can apply for a card from another bank through the bank card you already hold. If you hold Pudong Development Super White, you can use it as one of the application materials when applying for China Merchants Bank AE White/Private Banking.

Similar to this is the term "matching" for hotel membership cards. Holding an SPG Gold Card can match Marriott Gold. Unlike bank cards, such "matching" is done for different hotel memberships of the same company.

Leg Hair Card

A card that uses ATM machines to withdraw cash and then repay the money in exchange for credit card points, such as the "Leg Hair Card" of China Merchants Bank, which waives the formalities for the first cash withdrawal every month Fees - YOUNG card, GQ co-branded card, Weibo master card, etc. You can get 100 points every time you withdraw 2,000 yuan from a single card.

China Merchants Bank's "leg hair stuck" problem has become a last resort since May this year.

Bank

Xiao Zhao-China Merchants Bank

The homophonic pronunciation of "Zhao" is sometimes spoofed as "bad bank".

Aunt Bank-Industrial and Commercial Bank of China

It is said that most of the tellers in other banks are young women. ICBC takes the "Lufthansa" route, and most of the tellers are older women. It is jokingly called "Aunt Bank", and some cardholders also call ICBC "Universal Bank". This is because ICBC once had the highest market value among many banks, so it was jokingly called "Universal Bank". Mr. Aika prefers "Aunt Bank" , seems friendly.

Abolition of Bank - China Guangfa Bank

I have to admire the wonderful idea of ??cardholders, who combined "Guang" and "Fa" into one, and the "Abolition" of Bank was thus Come.

Mr. Aika feels that the term "bank abolition" reflects the low cost performance of China Guangfa Bank's credit cards. However, China Guangfa Bank has made great efforts recently and is a promising stock.

Monkey Bank - Shanghai Pudong Development Bank

Card issuance is arbitrary and irregular. For example, AE is white. Some cardholders can apply online in seconds, while some cardholders have a lot of credit cards, and other banks are high-end. The card blessing was rejected instantly, so card friends nicknamed it "Monkey" or "Monkey Walk";

Some card friends said that Pudong Development Bank once held a "Great Sage" event and got its name. Mr. Aika even said I like the former expression.

Brick Bank - Bank of China

The credit card limit is provided entirely based on deposits, so it gradually became known as "Brick Bank".

Card Organization

International credit card organization, bank card transfer clearing agency, bank card clearing business refers to the responsibility for multiple banks or franchises engaged in financial business when bank cards are traded across banks. Liquidate funds between institutions (non-financial payment institutions) and assist in completing fund transfers.

There are currently six major card organizations:

VISA International, abbreviated as V

MasterCard International, abbreviated as M

American Express International Co., Ltd. (AmericaExpress), abbreviated as AE

China UnionPay Co., Ltd. (China UnionPay Co., Ltd.) has no English abbreviation. . .

Diners Club

JCB Japan International Credit Card Company (JCB)

Others

There are also some such as LLJ , TD, TX, big chicken, small chicken, etc. will not be mentioned here, everyone can understand them.

Okay, that’s it for this issue’s guide on how to “hack” credit cards for newbies, hoping to help more novice cardholders get started quickly.

Financial Management | Harvesting - A brief discussion on the trade-off of credit card rights

Premise: This article is suitable for people with low annual income levels and who do not want to open a credit card with a rigid annual fee.

There are many different types of wool rights. For example:

Fitness (five-star hotel fitness, golf - 361 sports rights of CITIC high-end cards, etc.)

Medical care (dental cleaning (China Merchants Bank Classic White), expert registration, physical examination )

Entertainment (movies, show tickets)

Food (discounts at restaurants)

Shopping (online and offline, domestic and overseas)

Airport (VIP, cip)

Car (refueling, rescue, car wash)

When we are doing reading comprehension, we will be asked about "the author's intention".

When we use credit cards, we should also think about the bank’s intentions. Of course they want to make money, and the way to make money is to hope that you can spend more.

The way we spend more money is to "change from luxury to frugality" - when we realize the benefits of upgrading consumption, we will realize that there are still these items that we can buy, and then we will get out of hand.

1. Save. You know, for most people, a credit card itself cannot help you make money. It basically can only make you more affordable when purchasing benefits (usually non-basic expenses). So when you see a benefit, first ask yourself whether you need it or not. If not, just pass it.

2. Streamline. Since there are so many different types of cards, it is very easy to forget to repay, especially forget to make enough purchases and the annual fee will be deducted, so that a computer is required to record it. Therefore, we must first streamline the rights and interests and give up those dispensable rights and interests. Secondly, the number of cards and banks must also be streamlined.

3. Diligence. Wool is usually short-lived, so opportunities need to be seized quickly.

But we first need to tell ourselves that there is no free lunch in the world - the wool comes from the sheep.

With this belief, let us analyze whether we need this kind of rights.

a. If you need this kind of rights and interests, you can enter this pit;

b. If you don’t need this kind of rights and interests, it depends on whether it is easy to grab. If it is difficult to grab, don't join the trap. If there is no limit on quota or it is very easy to grab -

b1. If the rights are easy to transfer and can make money, you can consider joining the trap;

b2. If this right is not easy to transfer, but it is still relatively affordable, and you are willing to enjoy this kind of consumption upgrade, you can enter the trap as appropriate;

b3. If this right is not easy to transfer and the price/performance ratio is not good If it is high, you can avoid falling into the pit.

I think to judge whether an equity is worth it, you can roughly estimate how much you are willing to spend to buy it.

For people whose monthly consumption is too small, there is no way to get too many points without using the "chicken farm" method. For them, rights are far more important than points.

For those who do not exchange points for miles, points are not very valuable. The points are basically around 500-1000:1 to redeem for other things.

If the points are not enough to redeem the annual fee, you may want to consider canceling the card. Does this mean that this card may not really be suitable for you? Unless the benefits provided here are strictly needed.

I currently have: Shanghai Pudong Development Bank (UnionPay, Youth Card, jcb, visa) and Bank of China (visa and jcb).

My consumption habits: Online payment accounts for more than 50%.

The rights I need now:

Shopping (overseas shopping, online shopping), medical care (dental cleaning, registration), food (for dinner parties), car (refueling, car washing).

Visual value 100, 500, 100, 300.

Privileges given up:

Fitness (no corresponding outlets),

Entertainment (at least not needed this year),

Airport (outing The number of times is too few and jcb is enough).

For these items, I have made a few todolists:

Instead of shopping overseas this year (but you must learn this skill), first go to the supermarket to buy facial masks and use up all the cosmetics stocks.

Give up your medical rights and do not apply for China Merchants Bank for the time being.

Pufa Food was not covered, and BOC Food was not checked in time. You should continue to check out BOC Food.

Car refueling and car washing: the most important at the moment. Prepare to buy Minsheng in card and Minsheng gas card. 1 card in card 2 truck car white. It is not easy for people who can consume 30,000 yuan a year.

My grass-growing card:

1. Minsheng in card and Minsheng gas card. 1 card in card 2 truck car white. Solve the refueling problem.

2.AE White, the annual fee is equivalent to 1,000. The current god card. I wonder if I should apply.

3. Agricultural Bank of China essence white. Ask the local row how many bricks are needed.

4. My weed card: Bank of Communications is completely abolished, goodbye.

Personally I think the wool is more worthwhile

China Starbucks. Just use the Hua Xia card. Aunt Lan said that all Hua Xia cards only have Alipay points. Check what kind of cards have points for online payment.

My wool todo record

Withdraw traffic from Pudong Development Bank before 0423

ICBC 50 coupons before 0430

This is the 2017 account of Xiao Qing Sing Article 12

Category: Interests and Hobbies

2017.3.23

This is the end of the introduction to Haoyangyang Credit Card and the ranking of Haoyangyang Credit Card. Do you know where you found the information you need?