Credit card hunting guide: whichever credit card is more affordable
Nowadays, credit cards are becoming more and more popular, and various banks have a lot of card application promotions and card payment promotions. From time to time, Give some small gifts, and many people even apply for the card for the free gifts. It used to be "gathering the wool of socialism", now it's "gathering the wool of banks".
It is relatively simple to use credit cards to "gather wool", because credit cards carry out many activities. As long as you pay a little attention and choose the appropriate credit card when swiping the card, you can smoothly "gather" the "money". ". For example, netizen CXY1 actually received nearly 10 boxes of milk by swiping his Minsheng credit card; netizen "I Have a Happy Tree" used his Shanghai Pudong Development Bank credit card to successfully "pick up" a set of Supor pots; netizen "byby" used his Ping An credit card to "pick up" To 10 yuan movie tickets. Li Si, a young white-collar worker born in the 1980s, is also a member of the "wool tribe". Recently, she "snapped" a good product - a free leisure folding chair when she spent 199 yuan or more on opening the card. "I am an online shopping fanatic and often shop on Taobao. A few days ago, my colleagues recommended me to apply for a Bank of China Taobao card. I did not hesitate to apply for one. Unexpectedly, they are doing promotions and even give away chairs! If you are a new applicant, With Taobao Card, you can easily get a folding leisure chair worth 100 yuan as long as you make 3 transactions of 199 yuan or more at physical merchants or Taobao malls, or apply for an 'easy installment purchase' business. It's so cool to 'scrape' a chair from the Bank of China."
While everyone is showing off their credit card "wool", there are also netizens sharing their tips on how to "scrounge" the credit card. If you want to use your credit card to make money, you might as well learn it. Saving money starts with collecting credit card money.
To understand the true meaning of "gathering" credit card "wool", you must first choose a reliable and easy-to-use credit card to open up the situation! From the moment you apply for a card, you can tell at a glance whether a credit card is reliable and affordable! Don't just focus on the small gifts placed on the salesperson's desk. The bank understands you if it is willing to give you real money and silver benefits when you apply for a card!
Fashionable and convenient online card application is the first choice for more and more new people. Bank of Communications Credit Card has specially launched a campaign to apply for a credit card online. If you successfully apply for a credit card, you will receive a 100 yuan credit card bonus. The 100 yuan card credit is not comparable to those piggy banks, chopsticks, lunch boxes and the like! And you can stay at home and the card will be mailed to you quickly.
Although all kinds of dazzling activities are tempting, in the final analysis, it is most cost-effective to spend less real money! You can help everyone save more money by taking advantage of the cooperative merchants of Bank of Communications credit cards all over the world, as well as promotions such as timely refund of credit card fees when the card is used up. In a simple word, it’s the same gain with less effort!
As soon as you search on the official website, you will find that the cooperative merchants of Bank of Communications Credit Card are all over the country, as well as in various fields such as catering, entertainment, and leisure. If you are interested, you can check it out to see if there are any stores that you often visit. . If so, then you can’t let go of this opportunity! Because when you swipe your card at most cooperative merchants, you can enjoy exclusive discounts from Bank of Communications credit cards.
Iconic promotions of Bank of Communications credit cards. Every Friday, go to supermarkets, gas stations and other cooperative stores to swipe your card. If you reach a certain amount, you can get 5% of the card fee back. This activity is valid for a long time, and we can provide everyone with such a "grab" every week to earn card money. Chance.
Showing your "wool": The author often goes to a Sichuan restaurant with his colleagues at noon, where he can enjoy a 20% discount, and the one-time consumption is about more than 200 yuan. Calculated at a 20% discount, you can save almost 20 yuan at a time. It is common to visit more than ten times a month, and now I got a discount of more than 200 yuan. There is also the most popular Friday. If you spend 200 yuan in the supermarket every Friday, you can get 10 yuan in credit card credit.
Although points are only a derivative of daily credit card consumption, the reuse value behind them is still worth "collecting" again. Especially now, in the eyes of merchants, user loyalty is becoming more and more important. When the method of using the value of points to lock in customers is becoming more and more reliable, everyone has to take points seriously - can " There are many unexpected surprises!
You know this! It is always more convenient to use a credit card when going abroad. Now you can get 10 times the points, which is a rare opportunity.
Show off your "wool": In the past two years, the poster used Bank of Communications credit card points to exchange for a lot of stuff, such as Lock and Lock, induction cooker, etc.
No matter which trick you use, if you want to "snatch" the bank's "wool", you must pay more attention to bank activities. Which bank's activities are affordable, use the credit card of that bank.
Big hack on the wool harvesting method: you can earn 1,400 yuan per month with a credit card!
It takes means to harvest the wool. I will give a simple example here, mainly from the perspective of realization, to analyze how much profit a Pudong Development Bank AE Platinum Card can bring if you make good use of it.
Prerequisites:
Have a Shanghai Pudong Development Bank AE card (minimum limit 60,000)
Have a China Southern Airlines office card (reply to China Southern Airlines office card in the background to learn what China Southern Airlines is Card)
Join a stable red envelope group, get 15 shared red envelopes, and reply to Pudong Development Red Envelopes in the background to see how to play
Participate in all three traffic activities of Pudong Development every month
Open two categories of five times points (from October onwards, there are only two categories at most. If you have opened more, the income will be greater)
The capital income is based on 30,000 yuan for 30 days. The exchange’s financial management income calculation does not take into account high-risk returns.
Credit Card
High energy ahead, it’s time for mathematical calculation skills: Friends who don’t have time to finish reading can save it!
Income calculation:
Red envelope income:
The average of the 15 red envelopes shared is 30 points each, 15 for 30 days = 13,500 points.
A fast payment red envelope every day, 3830 = 1140 points
My own 5 red envelopes, considering that 20 red envelopes are exchanged for 1g of traffic every month, 4 big red envelopes are opened every day, and each The average red envelope points are 50 points, 50430=6000 points
The card payment or traffic received are also calculated as 50 points
In this way, the total red envelope points per month: 13501146000= 20640 points
Free application for entry-level credit cards
Quick card application channel: Bank of Communications Y-POWER black card
Quick card application channel: China Merchants YOUNG Card (black )
Traffic income
Since the traffic from red envelopes is calculated according to points, only three activities are considered here, 3 1g per month, totaling 3g traffic. The current market price is 80 yuan per G, so the monthly traffic income is 380 = 240 yuan
Five times points channels (after October, choose WeChat and Alipay)
Swipe each channel If you spend over 14,300 yuan, you can get the upper limit of 50,000 reward points, so each channel can get 21,450 (1.5 times consumption points) + 50,000 (5 times reward points) = 71,450
The total of the two channels ：714502=142900
Other offline channels
Earn 45,000 points by spending 30,000 points every month.
Fund interest income
Lufax’s 28-day zero-life treasure yield rate is 4.2%, 34.2%/12=105 yuan
Calculated in this way, In fact, the monthly points income is already quite considerable! Total monthly points income:
Points: 20641429045000=208540. Taking into account the annual fee of 200,000 points, it is equivalent to spending 200,000/12=16,700 points every month.
Rule: 208540-16700=190,000 points
If you redeem China Southern Airlines miles according to 12:1, then 19/12=15,000 miles. According to the current market price, China Southern Airlines will issue cards per 10,000 kilometers. 900 to calculate,
The income is: 1.6900=1438 yuan! !
Add traffic and capital income
Total monthly income:
1438+24105=1783
Monthly Consumption amount:
Online 143,002 + offline 30,000 = 58,600
Of course there is a cost for swiping the card, but this amount is less than 300 per month, and there is still a profit of at least 1,400 of.
Due to the 5 times reduction in points, the income of new customers has dropped significantly compared to that of old customers before October. At the same time, the Yongle coupons have also expired, and the income of new customers has dropped by 300 per month.
However, the income of more than 1,400 per month from one card should not be sustainable for a long time, so you must start early. There is no eternal magic card, only the eternal spirit of harvesting. Cosmos Bank and CITIC i Platinum have become history, and Pudong Development Bank AE Bai will eventually step down. What you have to insist on is not your loyalty to the card, but your enthusiasm for the wool.
How to make money with Ping An Credit Card
You can make money by paying attention to events and holiday discounts with Ping An Credit Card.
There are many preferential activities for Ping An Credit Card. At the same time, there will be discount coupons for purchases on the e-commerce platform. You can get wool by using the coupons. At the same time, corresponding activities will be launched during holidays every year, usually only You need to pay attention to the event announcements within a week before the festival, collect ++ consumption coupons in advance, and consume before the coupons expire to enjoy preferential prices.
The purpose of credit card activities is to increase the utilization rate of users, so many corresponding consumption discounts will be provided to promote user consumption. While users enjoy the discounts, the consumption amount will also increase.
This is the end of the introduction about how to use credit cards and how many credit cards you have. Have you found the information you need?