Wang, deputy general manager of Ping An Bank's credit card business department, used the 16 credit card from Taiwan Province Province, China to Shanghai. But unlike what many people think, people who love to use credit cards like to spend in advance. On the contrary, Wang belongs to a rather stable person. He thinks that two credit cards are enough, and we must do what we can; Don't invest more than one-third of your assets in the stock market. Safety first 1993, Wang entered the credit card industry in Taiwan Province. It was also from this time that he got his first credit card. The amount of the first card is about 4000 yuan. He said with a smile, it's not too early for me to use a credit card. Unlike now, many college students have credit cards. Because of his professional relationship, Wang has set up a number of credit cards in order to experience the services of other banks. But in fact, he thinks two cards are enough. There are too many, and it is very cumbersome to use. There are two cards because one card cannot cover all functions after all. For example, in Japan, JCB cards are more common, and in the United States, VISA and MASTER are very convenient. Furthermore, there are various preferential activities that credit cards are different from cash. It depends on whether you like this affordable part, whether the time and scope of use are wide enough, and whether the discount is satisfactory. Taking business people as an example, Wang explained that they would give more consideration to travel and hotel-related services, such as cards that can exchange points for miles, or offer more discount cards in hotels and restaurants. Theoretically speaking, the higher the level of the card, the more perfect the service you enjoy. Moreover, platinum cards often have the function of showing identity. Remember, try to swipe your card and pay back on time. Banks like such customers best and will be happy to accept them as more advanced members. Some people think that the more cards, the higher the credit, and the easier it is to improve the quota and grade. Actually, it is not. Banks may even think that this is malicious expansion, but it will damage the applicant's credit. Health and environmental protection In Wang's view, the greatest charm of credit cards is that they can solve unexpected things, and they are environmentally friendly, energy-saving and hygienic. I had an embarrassing experience. Our home is in Tsim Sha Tsui, and our children want to eat food stalls. I didn't have any cash on me at that time. But I can't refuse to see the children looking at you with big eyes. I immediately used my credit card to temporarily withdraw cash, and the family enjoyed an unforgettable meal. Mention that sweet scene at that time, Wang Mu's eyes are full of smiles. In fact, there is another biggest advantage of credit card, which is hygiene, energy saving and environmental protection. Wang has many original ideas about credit cards. Needless to say, because there is no direct cash transaction, the probability of bacterial transmission is reduced. As we all know, the germs carried by cash are amazing. There is one kind? Contactless cards, as long as they sense air, also reduce the chance of bacterial transmission.