Teacher Cang received the following message on the platform:

Teacher Cang, my parents are both 68 years old, and many banks refuse to apply for credit cards. Can any bank accept people over 65 to apply for credit cards?

first of all, give your filial piety a compliment!

why should I get a credit card for my parents?

Teacher Cang's reasons are as follows:

Expressing filial piety to parents

Letting parents spend their own money is filial piety. Especially a wanderer like Mr. Cang, who works hard in other places all year round and can only serve at his parents' knees during the New Year.

For security reasons

consumption abroad's credit card is definitely more secure than carrying cash. Although there is a risk of swiping, it can be avoided with the insurance of swiping (Mr. Cang will introduce the insurance of swiping separately later);

In addition, telephone fraud is rampant now, mainly targeting middle-aged and elderly people. Replacing their debit cards with credit cards is also a kind of security protection for their "pension money".

Convenient accounting management

Credit card consumption is reminded by SMS or WeChat, and there is also a bill every month to record the merchant and amount of the transaction in detail, which is convenient for accounting management;

For the sake of saving money

Credit cards often have various discounts, such as discounts on shopping in supermarkets and cash back in consumption abroad.

my parents use credit cards to spend money, and I pay the bills, which also saves the monthly transfer or mailing fee for my parents' living expenses. In addition, the accumulated points can be combined, and the points increase faster.

It is convenient to apply for a visa

When applying for some visas, the credit card gold card can be used as proof of financial resources (such as Korean visa and Schengen visa);

For the convenience of traveling

After retirement, my parents also want to go out and see the world. Generally, parents who travel abroad are with the group, and most of the domestic tours are free. Having a credit card can avoid carrying a lot of cash, and it is more convenient to use a credit card for pre-authorization of the hotel and ticket purchase on 1236.

However, after consultation, many banks have strict restrictions on the handling age of credit cards:

Finally, it is found that Bank of Communications has no restrictions on the handling age of supplementary cardholders. So with the mentality of giving it a try, I applied for the residence card and deputy card of Bank of Communications, and approved the Jinfeng card in one week with a quota of 22,.

(The value of this card is not low)

There are four other advantages of the supplementary card:

Benefit 1: 25 yuan will give you a credit card bonus for handling the supplementary card online

Before June 3, 217, new customers who successfully applied for the supplementary card at the same time when applying for the main card will spend any amount using the supplementary card within 45 days (inclusive) from the card verification date of the supplementary card.

Benefit 2: There is a discount for shopping in the supermarket

The most popular period is Friday: you can enjoy 5% credit card refund (1% platinum card) when you spend a single sum in 98 yuan in the designated supermarket every Friday.

Super Red Fridays: twice a year in the first half and twice a year, and you can enjoy a 5% credit card refund after spending more than 168 yuan in the designated supermarket. (The specific time of 217 has not been announced yet)

However, to participate in these activities, there are requirements: the transaction must be over 3, RMB in the previous month.

The designated supermarkets are: Wal-Mart, Renren, Lotus, Tesco, China Resources, Su Guo, Hui You, Hongqi, RT Mart, Wumart, etc. You can check the specific supermarket names and addresses in Bank of Communications official website.

Benefit 3: Chinese and English bills are convenient for visa application

The bill of Bank of Communications dual-currency card is in Chinese and English. For visa application, it can be directly submitted to a consulate as proof of financial resources without translation, which saves a lot of trouble.

(This picture comes from the Internet, but Mr. Cang is too lazy to take it)

Mr. Cang said:

In 14 years, when parents went to Japan with a group, if they had an internationally recognized credit card and gold card, they could avoid paying an exit deposit of 5, yuan/person. At that time, Mr. Cang's mother was 69 years old and his father was 71 years old. Many banks can't handle it.

1, yuan for the travel agency is really unwilling!

* With this card, my parents successfully applied for a Japanese visa without paying the travel agency deposit. Later, when they applied for visas to South Korea, Singapore, Thailand and the United States, they also used copies of these two cards and bills as proof of financial resources. Among them, Singapore granted multiple round-trip visas for two years and the United States granted multiple round-trip visas for ten years.

Benefit 4: Refueling also has a discount

Refueling at the designated gas station every Friday can get a cash back of 5% of the refueling amount (equivalent to a 95% discount).

BTW: fast withdrawal

after one year's use, the amount of Mr. Cang's main card has been increased to 5,, which is shared with the supplementary card. Now I'm waiting for the invitation of Bank of Communications to handle the White Kirin (Platinum Card).

Mr. Cang said that

the premise of handling supplementary cards must be that there is a main card.

the supplementary card type must be the same as the main card, for example, the main card is a dual-currency card of visa+UnionPay, and the supplementary card must also be a dual-currency card of Visa+ UnionPay.

the supplementary card and the main card are entitled to * * *.

Mr. Cang suggested a dual-currency card, which can be used both at home and abroad.

have you applied for supplementary cards for your parents?

If you happen to take your parents on a trip or show filial piety to your parents, you are welcome to accept Mr. Cang's recommendation and apply for a Bank of Communications credit card!

Now there is a small discount: new users who apply for a mobile phone will get a credit card bonus from 1 yuan if they use the designated Bank of Communications credit card to spend a single sum in 1 yuan in the "Red Star Five" merchants within 45 days (inclusive) from the card verification date.