If you use a credit card, then you should know the credit card common sense. If you don't use it, then you may use it in the future (the credit card is so good to use it for you? The credit card is very sad). So you still have to understand these common senses, don't talk much about going straight to the topic, today Xiaobian and everyone talk about the common sense of credit cards.
As for what credit cards are believed to be alive, everyone should be familiar with it. We regard credit cards as a non-collateralized, short-term, conditional interest-free and short-term recurring loan.
In addition to the "number" attribute that everyone is familiar with, there are several other attributes that everyone must know. The next POS business school says:
Credit card activities: Each credit card center launches a variety of credit card promotions every year to encourage everyone to spend their cards. The most common is credit card cash back and prizes.
For example, CITIC Bank's Yueyue Brush, 9-point equity activities, UnionPay's credit card full cashback activities, Black Bank of China Bank and CCB, China Merchants Bank's 10 yuan storm, Minsheng Bank's in-card 1 points against Starbucks and other activities.
Then let Star Jia to tell you where the proper wool is? For example, after the BOC credit card registration activity, you can return up to 10% of the overseas. The domestic Shanghai Pudong Development Bank will have a discount of 13 yuan on Wednesday, CITIC Bank 9 yuan to buy movie tickets, and Minsheng Bank 1 points to exchange Starbucks and other small surprises.
Credit card rights: Most high-end Platinum cards and some special co-branded cards come with high-end rights for cardholders to conduct business activities as well as travel and life.
1 Free VIP lounges at home and abroad, airport shuttle (PP card for Pudong AE White is unlimited, CITIC AE White gives away the number of trips to Longteng, ICBC jcb Platinum VIP lounge, etc.)
2 Delay insurance (the aircraft is delayed, don’t be stupid, etc., most of the platinum credit cards also have compensation. For example, you can get the credit card with the risk of delay insurance without using a credit card to buy tickets: Bank of China and Guangfa Bank. You need to use a credit card to purchase your ticket in order to enjoy your own risk of delay insurance. The rankings are sorted according to the length of the delay, CITIC Bank, Fei Changzhun, Ping An Bank, Bank of Communications, Industrial Bank and Shanghai Pudong Development Bank, China Merchants Bank, Citibank, Construction and ICBC.)
3 physical examination and hospital full-time accompanying (free dental cleaning and physical examination services every year, some high-end platinum cards and special hospitals are registered to accompany the doctors, such as CITIC AE cardholders with an annual fee of 2,000 yuan, POS business school can Yinchuan enjoys the interest in the diagnosis report of the registered and accompanying experts in Ningxia Affiliated Hospital and District Hospital)
There are still many POS business schools that will gradually write in combination with practice, such as fitness, FHR Express service, golf driving range and so on.
Credit card credit is one of the basic attributes of a credit card, but only points that can be redeemed for high-value goods are points that are worthwhile to swipe.
1 change hotel: CITIC IHG|浦å‘IHG|AE白
2 exchange of air mileage: aviation joint name card | Pufa AE white, China Merchants Bank AE white, China Merchants Bank Diamond Card, etc.
In addition, domestically issued credit cards have the following common attributes:
(1) Interest-free period
(2) Cash advance
(3) Credit card score
(4) Credit Card Mall
(5) Instalment escalation service
(6) Airline hotel reservation service
(7) Exclusive promotions and so on...
Finally, I will attach some details of the Platinum Card that currently does not require cash to pay the rigid annual fee:
*Pufa AE White: Apply for the first year before 2017.3.31, 200,000 points deduction in the following year (basically no brain brush)
* CITIC AE White: 2016.12.31 before the application card free of annual fee, the following year points deduction (one year equity card)
* ICBC jcb single standard white: 2016.9.1-2017.2.28 apply for a card and consume a 5-year annual fee
* BOC Platinum Card: Application before 2016.12.31, lifetime fee free
* CCB Global Hot Credit Card: Apply for annual fee exemption
* Xingye Elite Platinum Card Consumption 2000 is exempt from the first year, and the annual effective point consumption is 30000 for the next year.
* Minsheng Bank Standard Platinum Card: The transaction amount of accumulated points for every 12 months from the date of the verification card is 18 or over 50,000 RMB (or equivalent foreign currency), and the annual fee is exempted.
* Bank of Communications Bai Qilin Credit Card: Free Annual Fee Policy: 250,000 points deducted, new users brushed 6
*Guangfa's 臻尚白: The card is issued within 3 days of the card is full of 3 pens (inclusive) and each pen is over 88 yuan (including) free of the first year annual fee, the card is over 12 times (including) above the rolling annual fee
* Everbright Business Travel Platinum Card: 380 yuan + 100,000 points or 680 yuan in the first year, and 200,000 points in the following year to deduct the annual fee.
* China Merchants Bank Classic White: 10,000 points can be redeemed for the main card annual fee
* ABC is leisurely white: the annual fee is automatically free in the first year, and the annual fee is 12 times in the year.
* HSBC Platinum Life Card is exempted for the first year, 6 times for the following year 
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