Original article title: Will be rare! How to choose a Citibank overdraft card?

On April 15, 2021, Citibank issued an announcement,

announced that 13 global markets, including the Chinese market, will fully withdraw from its business

. This also includes the overdraft card business process.

Four months later, what’s going on with Citibank’s credit card business? I can only say that

It seems to be doing stronger than before

In the final analysis, first, in the previous announcement

Citibank stated that there will be a buffer period

, the connection will be carried out stably and reasonably. It does not happen overnight that such a large dish needs to be completely withdrawn, so at present, it seems that the credit card business will not be affected in the short term

Part 2 Second, the debit card business requires another bank to "take over".

The quality of various data will directly affect future bargaining

. Therefore, at this stage, Citigroup Credit cards are releasing various activities like crazy,

The purpose is to improve various data of the credit card business

Of course, this is a good thing for users.

It can be clearly felt that the recent activity is really strong

Many friends are not familiar with Citibank’s overdraft card, but this does not prevent it from being used on the card. According to user reviews, it has always been a treasure trove.

Citibank has very few overdraft cards, and so far it has only released four overdraft cards:

Qingxiang. Card, gift card, gift card, premium card

The premium card is an installment card. The premium card is a top-notch card with high application requirements and high annual credit card fees. These two cards don’t attract much attention.

The gift card and the gift card are the most powerful actors.

Let’s talk about the gift card first:

Privilege Card

Credit Card Annual Fee:

The annual credit card fee is waived in the first year, and the annual credit card fee in the second year is waived for 6 purchases.

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Benefits:

●

Enjoy 2 times points for restaurant purchases

, with a maximum of 500,000 points available throughout the year;

●_points will never expire;

●10,000_points can be exchanged for 20 yuan of credit card funds.

At this stage, apply for a new Citibank overdraft card account. Apply, spend 2,888 yuan or more within 45 days of verification, and you will get "iQiyi Video Gold Membership Half Year Card,"

One hundred yuan three-network phone bill balance

, "Suning One hundred yuan electronic coupon.

The gift card is a small platinum credit card of Citibank, so

the application requirements are very low:

The legal age is 18 years old, and the monthly income is more than 35 You can apply for a stable job worth 100 yuan.

. Friends who love to play should know what it means to spend 5,000 yuan and get 10,000 points to exchange for 20 yuan of credit card funds with the support of 2 times_ points. Of course you understand. Understand, rarely said here.

Of course,

Citigroup is not about profits, but activities

, which we will explain in detail below.

Let’s look at gift cards again:

Gift cards

Gift cards are Citibank’s platinum credit cards, so they have more benefits than gift cards. The card is much better.

Annual credit card fee:

2,000 yuan.

New customers who successfully apply for a Citibank gift card for the first time can receive a gift of 10,000 Citibank gift cards or a 70-yuan credit card credit

Benefits:

●12: 1 accumulated Citibank mileage, 1 Citibank mileage = 1 airline mileage;

●Six-point complete article Qimi'an;

●2 pick-ups and drop-offs Machine service;

●If you are delayed for 3 hours, you will be compensated for a fixed compensation of NT$1,000.

In terms of mileage redemption, the gift card is more similar to China Guangfa Bank’s Travel Card. It does not mean that the consumer will accumulate mileage immediately, but will first accumulate “Citibank mileage, and then according to Citibank Miles can be exchanged for airline miles.

The exchange ratio of Citibank miles and airline miles is 1:1

There are two ways to exchange gift card miles for airline miles. A big highlight

: 1. There are exchange restrictions; 2. There are many airlines that support exchange

Among them, there are three regional airlines: Air China, China Southern Airlines, and China Eastern Airlines There are seven overseas hotels, including the well-known Yawan, which can even exchange for IHG hotel points.

Although the ratio of 12:1 is not particularly good, it is better because there is no exchange limit. It is the favorite of some bosses, but most users will cooperate with Citibank's card swiping activities to get a greater degree of gratitude.

Gift cards

The level of security is complete

, that is, you can use the "dinner experience room" of Qi Security. The benefits of the airport pick-up service are vague, as you need to pay 89 yuan each time.

Delay insurance is another highlight of the gift card.

If you are delayed for 3 hours, you will be compensated NT$1,000. Please note that the compensation is a fixed amount

, instead of the price on the ticket. Even if it is a very low discount economy warehouse ticket of 200 yuan, you can still be compensated for 1,000 yuan if you are delayed for 3 hours. This is much more conscientious than partial credit card delay insurance that only compensates face value.

This is the benefit. At a glance, it doesn’t seem to be particularly good, at least not worthy of the 2,000 yuan annual credit card fee.

In fact, friends who use gift cards will never actually pay the annual credit card fee of 2,000 yuan, because there are often promotions for credit card annual fees, such as instant bone fracture at 80 yuan. There is also a free credit card payment of 450 yuan, and the final annual credit card fee is only 350 yuan.

It is certainly worth it to get such a big platinum credit card for 350 yuan.

As mentioned above, Citibank is not about profits, but activities. Friends who have entered the car before should be deeply aware of this, because

Citibank's credit card activities are indeed too much, and the extent is very large

For example, at this stage The "Summer Shopping Citibank Theme Activity" that has been carried out:

If you spend 12,000 yuan or more, you can get a "50 yuan credit card credit or a 100 yuan Ctrip.com Free Travel electronic coupon"

Another example:

Haidilao hot pot will get 50 off when you spend 300 or more, and Starbucks coffee will get 15 off when you spend 70 or more:

Activities that have just been completed in early to mid-August include:

Spend _12,000 yuan and get 50 yuan credit card credit or 100 yuan Naixue e-gift card:

In the case of 618, there is 1.5 rebate for online consumption, maximum 300 Yuan:

For some long-term daily activities, there are more:

● Ele.me takes away 10% off for orders over 30;

●Aogda’s maximum instant hotel booking 7 off;

●Booking hotel reservations enjoy 6% credit card refund

It can be said that since the official announcement in April, the activity has been completely_ There is a stagnation, but more and more, the scale is getting bigger and bigger

The purpose is mentioned at the beginning of the article

The scale of gratitude feedback for such an activity will be increased. The use value is _ points, no wonder it is the boss’s favorite.

Dickens mentioned in "A Tale of Two Cities": "

This was the worst time of our generation

. For Citi credit card customers Speaking of which, they seem to be able to reverse the situation.

This is the worst time: Citibank withdraws from its Chinese business. How will credit card customers choose in the future?

But it is also a bad time. Our generation: engage in activities to throw money, drive data, and customers will receive full goods. Risk control tends to end, and you can enjoy the last carnival.

And, as mentioned above,

After Citibank withdraws from the overdraft card business, there will be a financial institution "takeover". From the current information at all levels, it is most likely to be a certain financial institution

This is great news for friends who have been rejected by a certain overdraft card.

Getting a Citibank credit card is equivalent to getting a knock-on card from a certain bank

brick.

As a result, various factors such as the credit card itself, daily activities, and future development trends are integrated, resulting in the following situation:

Even if Citibank wants to withdraw, but now it is applying There are more and more customers applying for Citibank overdraft cards

. At the same time, the issuance of Citi credit cards is increasing day by day as everyone rushes to get in the car due to the uncertainty of the time to disconnect the application process.

I don’t know how you feel when the Citibank Credit Card Center sees this situation.

Okay, so if you don’t have a Citibank overdraft card, do you need to enter the car?

Shuaimeng’s answer is very simple:

Yes! However, there are enough gift cards

Since Citi Credit Card is participating in activities, almost all gift cards can participate. At the same time, the annual fee requirement for gift cards is very low.

As a "fire source card", it is used to participate in activities. It is quite good to redeem 2 times the points at restaurants for daily purchases with credit cards

Although the benefits of the gift card are very good, the annual fee of the credit card is high and the price/performance ratio is very high. The high is slightly lower.

Of course, this also includes luck. If the withdrawal process is slow, you can definitely get back the annual fee by applying for a gift card. They are customers who insist on paying the annual credit card fee. There is a certain probability whether financial institutions will provide special policies to this group of customers in the future.

Therefore,

For ordinary friends, Shuaimeng recommends getting a Citibank gift card to enjoy this last carnival

; for consumers_more Friends, gift cards can also be considered.

I got on the last bus, you can do whatever you want~

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