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.
Credit card slang: What do "moving bricks", "wool" and "leg hair" mean?
Just like "Zongzi" and "Ghost Blowing Lamp" in Tomb Raider Notes, the credit card industry also has its own argots. In this issue, Mr. Aika will share these argots with you.
Basic common words
Brick
"Brick" specifically refers to 10,000 yuan, and "brick" means depositing money in a bank to obtain a high-end debit card or Credit card placement opportunities. For example, the CMB Golden Sunflower card application requirement is 50 bricks, which means 500,000 yuan.
The term "brick" comes from the appearance of ten thousand yuan, which looks like a red brick.
Wool
Credit/bank card points or activities that can obtain benefits/rights, "wool", that is, through activities to obtain points or use benefits/rights, such as Pudong Development AE The free three-time airport pick-up and drop-off, 9 CITIC points benefits, etc. can all be called "wool".
Wool comes from the sheep, and "gathering the wool" usually requires time or money. Occasionally it is free, and sometimes it is "reversely harvested", which means that the time/money cost is greater than the wool itself.
At present, the concept of "wool" is no longer limited to banks, but has been extended to hotels and airlines, and is divided into "small wool" and "big wool".
Guiyuan
At first it referred to beautiful female bank tellers, and later it generally referred to tellers.
Protection fee
The installment fee or handling fee paid by cardholders in order to apply for a card or increase the limit.
Black Room
Early referred to the VIP room of China Merchants Bank. Later, it generally referred to the blacklist of cardholders who entered the bank due to violations, refunds, etc., such as the Black Room of China Merchants Bank. Houses (temporary quotas cannot be raised, etc.) and Pudong Development’s small black houses (single digit red envelopes), divided into short-term and long-term.
Apply for a card using a card
As the name suggests, you can apply for a card from another bank through the bank card you already hold. If you hold Pudong Development Super White, you can use it as one of the application materials when applying for China Merchants Bank AE White/Private Banking. Similar to this is the term "matching" for hotel membership cards. Holding an SPG Gold Card can match Marriott Gold. Unlike bank cards, such "matching" is done for different hotel memberships of the same company.
Leg Hair Card
A card that uses ATM machines to withdraw cash and then repay the money in exchange for credit card points, such as the "Leg Hair Card" of China Merchants Bank, which waives the formalities for the first cash withdrawal every month Fees - YOUNG card, GQ co-branded card, Weibo master card, etc. You can get 100 points every time you withdraw 2,000 yuan from a single card.
China Merchants Bank's "leg hair stuck" problem has become a last resort since May this year.
Bank
Xiao Zhao-China Merchants Bank
The homophonic pronunciation of "Zhao" is sometimes spoofed as "bad bank".
Aunt Bank-Industrial and Commercial Bank of China
It is said that most of the tellers in other banks are young women. ICBC takes the "Lufthansa" route, and most of the tellers are older women. It is jokingly called "Aunt Bank", and some cardholders also call ICBC "Universal Bank". This is because ICBC once had the highest market value among many banks, so it was jokingly called "Universal Bank". Mr. Aika prefers "Aunt Bank" , seems friendly.
Abolition of Bank - China Guangfa Bank
I have to admire the wonderful idea of ??cardholders, who combined "Guang" and "Fa" into one, and the "Abolition" of Bank was thus Come.
Mr. Aika feels that the term "bank abolition" reflects the low cost performance of China Guangfa Bank's credit cards. However, China Guangfa Bank has made great efforts recently and is a promising stock.
Monkey Bank - Shanghai Pudong Development Bank
Card issuance is arbitrary and irregular. For example, AE is white. Some cardholders can apply online in seconds, while some cardholders have a lot of credit cards, and other banks are high-end. The card blessing was rejected instantly, so card friends nicknamed it "Monkey" or "Monkey Walk";
Some card friends said that Pudong Development Bank once held a "Great Sage" event and got its name. Mr. Aika even said I like the former expression.
Brick Bank - Bank of China
The credit card limit is provided entirely based on deposits, so it gradually became known as "Brick Bank".
Card Organization
International credit card organization, bank card transfer clearing agency, bank card clearing business refers to the responsibility for multiple banks or franchises engaged in financial business when bank cards are traded across banks. Liquidate funds between institutions (non-financial payment institutions) and assist in completing fund transfers.
There are currently six major card organizations:
VISA International, abbreviated as V
MasterCard International, abbreviated as M
American Express International Co., Ltd. (AmericaExpress), abbreviated as AE
China UnionPay Co., Ltd. (China UnionPay Co., Ltd.) has no English abbreviation. . .
Diners Club
JCB Japan International Credit Card Company (JCB)
Others
There are also some such as LLJ , TD, TX, big chicken, small chicken, etc. will not be mentioned here, everyone can understand them.
Okay, that’s it for this issue’s guide on how to “hack” credit cards for newbies, hoping to help more novice cardholders get started quickly.
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.
Credit cards can basically get your money back
No. Credit card wool is just a credit card promotion, it does not have the capital return function, so there is no capital return. A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit.
Please recommend a credit card, one with more wool! ! !
I often use Guangfa Credit Card to earn money, and I recommend it to you. You can accumulate points for daily consumption, and the accumulated points can be exchanged for regular Guangfa Credit Card gifts or designated gifts from China Unicom. There are many preferential merchants located in more than 50 provinces, municipalities and municipalities across the country, including health care, catering, entertainment and leisure, automobile services, department stores and supermarkets, home appliances, jewelry, clothing, beauty salons, and hotels. Twelve categories, including tourism and other categories, reach more than 2,000 GF credit card discount merchants. There are cooperative merchants in the catering and clothing categories, and there are discounts and points for consumption, as well as airline mileage redemption. Food, drink and fun are indispensable. GF’s Discover Wonderful App allows you to buy 50% discount coupons for big-name food on Fridays. I go to the app on time every Friday to buy them. It’s a good deal!
This is the end of the introduction about wool credit cards and credit card wool. Have you found the information you need?