(1) Does it count as a card application?

I recently discovered that since I have a high-end card, it is so easy to apply for other platinum cards, and every application must be approved. . . The first thing I did after getting the AE card from China Merchants Bank was to cancel some infrequently used credit cards (intensive credit cards), so I first canceled several "regular and gold cards" from a bank that held multiple cards, and then directly called the bank to cancel the cards. Just log out by calling the customer service number. After receiving the cancellation information, you can directly use the scissors to CUT, CUT, CUT. The approval status was seen the next day after submitting the application for this Bank of China card. Therefore, it is suspected that Bank of China made the decision of approving the card based on the applicant's card holding status in other banks.

It is recommended that every bank that has approved a card should keep at least one card in hand, whether it is UnionPay or VISA card, preferably a card starting with UnionPay 62, because if the bank usually engages in activities, you will also have one in your hand. You can have a UnionPay 62 credit card to participate in the event.

In fact, for commercial banks, I prefer the four major banks. This month, we have successfully acquired four major banks, and three of them have acquired platinum credit cards with annual fee exemptions. Xiao Heng really didn't like the Agricultural Bank of China's platinum card because of its good looks, so he was waiting to buy one when a high-looking platinum card came out.

I haven’t been able to put it down since I received this platinum card from Bank of China. The card making process is so great!

(2) Why should you apply for this card?

In fact, I already have a JD.com co-branded card from Bank of China and a VISA-branded Great Wall Gold Card (the VISA card has a gold face and is actually quite beautiful, and it also has a lifetime annual fee exemption).

The second thing that makes me dissatisfied is the redemption of miles. Although the Bank of China’s cards can also redeem non-co-branded card points for annual fees, the ratio is a bit confusing! Air China's ratio is 28:1; China Southern's ratio is 30:1; Hainan Airlines' ratio is 25:1; China Eastern Airlines' ratio is 30:1. This ratio is simply too wasteful for those who already have Pufa AE White 12:1 and can get 5 times the points.

In addition, I am currently working in the Imperial City, and soon I will need to fly out of town for business trips, travel, and return to my hometown in the south... The cost of travel is quite high, so I don’t think it’s too much to have a few more credit cards to save miles, and Air China naturally It has become my first choice. In fact, if the China Southern Airlines co-branded card from Bank of China has a 12:1 ratio, my first choice would still be China Southern Airlines. Unfortunately, the China Southern Airlines Platinum Card has a 14:1 ratio; this Air China card with a 12:1 ratio has naturally become my first choice.

(3) Introduction to the benefits of PhoenixMiles Air China UnionPay Platinum Card

Mileage accumulation

1. Miles will be accumulated automatically every month for daily consumption. The redemption ratio for the Platinum Card is 1 km of Phoenix Miles mileage for every 12 points. The minimum redemption standard is 12 points. Any portion less than 12 points will be automatically accumulated to the next bill.

2. Platinum Card earns 2 times the miles for overseas consumption. When you use your Platinum Card to make purchases in countries and regions outside mainland China, you will be able to earn double credit card points and double mileage accumulation.

3. For every RMB 10,000 spent on domestic air tickets, domestic hotels, and overseas online and offline transactions in a calendar year, you will receive 1,000 Air China miles. (The annual limit is 10,000 miles)

4. PhoenixMiles Air China Bank of China Credit Card cardholders can receive a free gift card issued by Bank of China after their consumption reaches the specified conditions (three purchases of 199 yuan each in a natural month are required) The complimentary bank card comprehensive insurance includes public transportation accident insurance, bank card theft insurance, flight delay insurance, luggage loss insurance, etc., providing you with comprehensive travel and card use protection.

5. Airport VIP room benefits, the Longteng VIP card delivered is said to be not free, because the Pudong Development AE White that Xiaoheng applied for before has a PP card, and the GF Zhenshang Platinum Card high-speed rail VIP room has free times every year , so the rights and interests of Bank of China will be sealed up for the time being.

6. For health benefits, use the points redemption service and call the customer service number to redeem.

7. For physical examination services, points must be redeemed and made an appointment. Forget it, use the China Merchants AE Card to get a free physical examination every year for the sake of face.

(4) About the annual fee

The VISA card is free of annual fees for life. UnionPay cards are free of annual fees for 5 years in some areas. The editor specially called the customer service phone to inquire about the relevant situation and open the card. You can waive the annual fee for the first year. The discounts are different every year. There is a policy of 12 times of exemption, and there is also a policy of redeeming 50,000 points for the annual fee. The default annual fee is 800 yuan per year. For specific discounts in each calendar year, you can call customer service policy.

In addition, it may also be due to Bank of China’s recent platinum card release model. Cardholders who need to apply for a Bank of China platinum card can go to Bank of China’s Colorful Life APP to apply for a try.