Has anyone used the Dabai Rebate Card? Is this project worth investing in?

I am also paying attention to the Dabai rebate card project. Judging from some publicity that can be seen on other platforms, I think this project is not impossible, but it has certain limitations.

First of all, their biggest publicity point is the offline rebate based on the Alipay platform. It is undeniable that Alipay has indeed replaced banks and has become the first choice for many young people in financial management. However, judging from the frequency of use of Alipay and WeChat, WeChat is obviously more likely to be used. I don’t know why Dabai Rebate Card completely abandoned the WeChat platform;

Secondly, through their mini program, you can see that their usage process is as follows: First, go to their cooperative store Purchase goods, then open the payment QR code generated in the mini program, and need to inform the merchant to use the rebate card. The Dabai mini program has a dedicated merchant terminal. We do not have Dabai cooperative merchants locally, so we have not tried it in person. Blind guessing may be required The merchant logs in to the merchant terminal and scans the consumer's payment code to collect payment. The form is similar to that of a certain group; but if the customer flow is large, just collecting payment will delay nearly 1 minute. Will it be given to the merchant? Bringing extra work?

After all, the world is now dominated by QR codes. Wouldn’t it be nice to get it done with just one code? What's more, there are still many merchants that have access to facial recognition equipment?

Which bank offers the best credit card rebates?

Guangfa Bank.

Guangfa has a credit card that will give you money directly when you shop for daily necessities on Friday, and the money will be transferred to your credit card account.

The cashback rules are actually very simple: first spend on WeChat, Alipay and 10 designated e-commerce platforms (such as Meituan, JD.com, Ele.me, Guangfa Mall, etc.) to get a proportion of online shopping funds → After obtaining it, if the number of natural transactions per month reaches 10 and the total amount of online shopping credits reaches the standard, you can receive it the next month → After receiving it, you can deduct the received online shopping credits by spending on 10 designated e-commerce platforms.

Consumption→obtain online shopping gold→receive→consumption→deduct bill→consumption, it’s such a cycle.

Disadvantages of Credit Cards

Credit cards can easily lead to over-consumption. This is a common problem among people who are in credit card debt. It is painful to swipe a card without paying money, so they spend even more uncontrollably by swiping the card.

The annual interest rate on credit cards is as high as 18%. It is true that it can make borrowers lose money quickly.

Credit card debt causes mental stress. Some card slaves report that they are often afraid to open their mailbox or mail.

With bad credit, the cost of borrowing money will be higher, and it may even be impossible to borrow money.

Credit cards provide a choice between using debt to finance debt and drinking poison to quench thirst, causing debt to get out of control.

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

Short-term preferential interest rates are ultimately worth the loss. A certain percentage of people let emergency financing turn into long-term debt. Therefore, don’t be tempted by short-term low interest rates and make unnecessary borrowing.

Too much personal credit limit is not only not evidence of good credit (repayment record is), but it is a risk in the eyes of financiers, which may actually push up borrowing interest rates.

Gifts in reward programs often gather dust inside. Instead of spending money to get the gifts, it is more cost-effective to save money directly.

Is the Guangfa Bank Rebate Platinum Card reliable?

Reliable.

The benefits are as follows:

1. The Platinum Card has a higher credit limit, which generally ranges from tens of thousands to hundreds of thousands, and can reach up to more than 1 million. The bank will determine the user's credit limit based on the user's specific situation.

2. The platinum card can enjoy reliable protection from the bank, such as: credit card loss protection and safe card use protection.

3. Platinum has more rights and interests, which are usually reflected in the fact that customers can enjoy multiple points when using credit cards, free aviation accident insurance and aviation delay insurance, free golf, free physical examination, and free upgrades. wait.

This is the end of the introduction about rebate credit cards and high-quality rebate cards. I wonder if you found the information you need?