Abstract:

Brother Wool:? Yesterday, there was a little unpleasantness between me and CITIC. I tore up several rounds and experienced a mental journey from powder to black to half powder. Thank avanti? 1781? Pointing out the maze, let's play happily with CITIC. ? As a senior (Taobao) chop hand

Brother Wool: Yesterday, I had a little unpleasantness with CITIC. I tore up several rounds and experienced a powder >; Turn black > The mental journey of turning half powder. Thank avanti? 1781? Pointing out the maze, let's play happily with CITIC.

As a veteran (Taobao) pickpocket, Brother Wool always struggles with which card to swipe every time he pays online.

should I swipe my unlimited card or the world's best card? (Don't worry, I haven't done anything)

Ok, let's count the popular cards in Taobao today. -? Is CITIC's Taobao V card worth it?

official highlights of the card:

Delineate the scope

Card board is divided into gold card and platinum (elite). There are three levels of platinum (distinguished), and the last two rights and interests are not worth the annual fee, so I won't go into details, just a gold card.

offline can only be doubled, so it is recommended to use it as a drawer card only, and online transactions are only available.

offline POS multiple integral comparison chart

noun explanation

first, explain the following special days of 1 times, 8 times and 6 times integral of Meng B:

Taobao member's birthday: one's birthday (once a year,? It can be found on the ID card)

The anniversary of members' entry into Taobao: the day when they registered Taobao (once a year,/privilege/privilege _ detail.htm? Check)

Taobao new member registration date: the day when a new member is registered (once in a lifetime-? -,most people can't enjoy it)

Taobao Member Day: 12th-14th every month (every month).

income trial calculation

firstly, several settings need to be accepted:

1)? The trial calculation of income is based on the conversion of points into "Air China Miles"

2)? Need to bless the free (one year) platinum "CITIC AE White" to activate? 25 (points): 1 (mileage) conversion ratio

3)? "Air China Mileage" is valued at 7RMB per 1, miles

Please look at the big screen:

Click to have a big picture

Among which, "Monthly multiple points consumption limit",? That is to say, if you spend more than this amount, you will not get more points.

this amount is deduced from the reverse. For example, taobao? In v6, the monthly bill ceiling score is 4w. Spicy

the upper limit of Alipay transaction in V6 is 4w/(5-1)=1w yuan

The upper limit of Taobao transaction in V6 is 4w/(1-1)=4444 yuan

From the data on the big screen, we can see an interesting phenomenon, that is, whether it is weekdays or special days, v3 is higher than the upper limit of monthly return in v4.

Friends in a circle

Your math teacher taught you, right? In that case, why should I pursue a higher level of taobao?

Actually, it is correct. The high value of v3 is due to the large amount of basic consumption.

Brother Wool

explained by a phreak netizen 1162816 who didn't want to reveal his name:

Actually, according to the multiple income ceiling, the income of v3 is the same as that of v4. Why is the monthly rmb ceiling of v3 higher than that of v4? . . That's because it's not within 1 time of the reward. v3 brushed 6 and v4 brushed 42. If v4 brushed 6, the income is actually the same. Moreover, it is meaningless to calculate the upper limit of income, because the upper limit of the reward part is fixed, v6 is 4w, and the others are 3w, which is the real upper limit of income. For the other one, you can get as much as you brush. According to your original calculation method, you can only calculate the income under the condition of full brush. Of course, you will find that the more money you brush, the higher the income.

Here, Brother Wool presented flowers to 1162816 ~ ~

Back to the topic, if he is a veteran v6 chop-hander,? You can get an extra 1.4% or 2.8% by slightly calculating the date of consumption? Is it not bad to return the points?

tell me more about the consumption posture: All bonus points are limited by the capping setting of the same corresponding level.

take V6 as an example,

HARD? Mode: only chop hands on the above six special days every month, spending 4444 yuan, getting 4.4w points

EASY mode:? Just chop your hands on weekdays every month, and spend over 1w yuan and get 5w points

Note: the above 4.4w and 5w can't have both, because they are limited by the same monthly limit.

MIX mode: chop hands on special days and even days. @#$^& ? Brother wool won't forget it. As long as the consumption amount is between 4.4w-1w and 1w.

card handling posture

As mentioned above, it is necessary to bless CITIC's free AE Platinum Credit Card to activate the exchange ratio of 25:1, so the correct card handling order is:

1)? Apply for CITIC American Express Platinum Credit Card (AE White)

The annual fee for this card is 2 yuan/year. but? If you apply for the card before December 31, 216, you will be exempted from the annual fee for the first year. In addition to the 25:1 exchange ratio, Five times of agency appointment registration (thank you for reminding me), six times of trading points, eight points of Longteng and other rights and interests are enough to write a separate push for it.

what? Is there an annual fee for the second year? Use it for a year first, and don't care about these details ~

But personally, whether it's v3 or v6, if you can get taobao for a full year? V card bonus points (4.8～6w),? It's not a loss to spend 45w cents to exchange the annual fee of AE white (big platinum).

2)? Applying for Taobao V Card (Gold Card)

There is no difference between gold card and platinum card in online transaction of multiple points. AE can activate the card space app in CITIC after downloading the card. Or call customer service to apply for this card.

notes

1)? Remember to associate the Taobao account after opening the card:? /m/tbvk/jfgz.html

2) CITIC points are accumulated in the unit of billing month, which is divided into two parts: basic points and reward points: one of them is basic points (including gold and platinum cards? Pay 1 time for Alipay Express, 1 time for gold card offline transactions, and 1 time for platinum card offline), which will be paid with the monthly bill; The bonus points that exceed 1 time of the basic points will be paid to the account within 7 working days after billing every month.

in other words, offline doubling will also occupy the reward amount of multiple points.

In addition, there is no detail about the receipt of multiple points, and only the total number of points can be seen. I hope CITIC can improve it.

＝THE? END=

a few months ago? Which credit card should I use when I don't (want to) bring my brain? Brother Zhongmao made a mistake in the decimal point and calculated a credit card return rate as high as 22%, which made everyone laugh.

Today's egg is a real person (voice) show to explain why Brother Wool is so bad at math. If there are any new mistakes today, please bear with me and point out that Brother Wool will definitely change (jiao) and (bian).