The card selection strategy of China Merchants Bank is as follows:

1. Natural graduation method. Naturally use China Merchants Bank credit card, even if you graduate with a quota of 5,, you can try to apply.

2. phased solution. Download the palm life of China Merchants Bank and see the maximum amount of cash installment. If the installment amount is greater than your available amount, you can withdraw the amount by cash installment.

The cash installment method is 6, yuan for graduation. Withdrawal amount after cash installment = used amount+cash installment amount (up to 6,). Generally, the quota will be used to 2, and it is most appropriate to divide it into three phases. When the used quota+cash installment quota slightly exceeds 6,, congratulations and graduate immediately.

3. sunflower solution. China Merchants Bank's assets exceed 5,, wages are issued on behalf of others, and some special channels can be used as sunflower seeds. Sunflower users' assets of China Merchants Bank reach 5, yuan for 3 months, and it is very likely that they will get a classic platinum card. If the assets are not up to standard, they will be charged to 15 yuan for management every month (free for the first three months). The salary is issued on behalf of the company, and the sunflower is set as a salary card, and the management fee is exempted.

4. securities law. (Since this law is too violent, please do it yourself)

5. Asset law. A set of 15 square meters of real estate or more than 3, cars under the name of an individual is a classic platinum card with high probability.

6. Then add other high-end cards: With Classic White, you can "discover-all-high-end exclusive" in the Pocket Life APP and add three other cards (which may require 1, credits).

product disadvantages

credit cards can easily lead to excessive consumption. This is a common problem for people who are caught in card debt, and swiping the card does not hurt the banknotes, so the consumption of swiping the card is even more unrestrained.

The annual interest rate of credit card is as high as 18%, which is a usury, which can make the borrower lose blood quickly.

credit card debt brings mental stress. Some card slaves report that they are often afraid to open mailboxes or emails.

with bad credit, the cost of borrowing money is higher, and it is even impossible to borrow money.

Credit card provides an option to support debt with debt and quench thirst by drinking poison, which leads to debt out of control.

in addition, many "benefits" are actually hidden traps.

the short-term preferential interest rate is not worth the loss in the end. A certain percentage of people will turn emergency financing into long-term debts. Therefore, don't be tempted by short-term low interest rates and make unnecessary loans.

Too many personal credit lines are not evidence of good credit (repayment records are), but a risk in the eyes of financiers, which may push up the lending rate.

The giveaways of the feedback plan often accumulate dust in the garage. Instead of spending money to get the giveaways, it is better to save money directly.