Todays Article On English Version:

Title: Talking about credit cards

 I have had several credit cards in succession. There are now three credit cards. One is the credit card of China Merchants Bank that was first processed more than a decade ago, the other is China Construction Bank, and the other is Guangfa Bank. 

 I applied for China CITIC Bank at the earliest, but it didn't take long before I graduated, but I didn't apply for it. As a result, I now see the CITIC Bank being a bit overshadowed:). The first credit card of China Merchants Bank was processed more than a decade ago. I remembered when someone was on the job where I was working and promoted a credit card, and quickly approved it. In my experience, when you come to promote credit cards, you only have a stable job and no bad records. Most of them can be handled smoothly. However, the general limit will not be too large. The specific amount depends on the company you are in. The degree of influence is then your personal position in this company. 

 With the first credit, it will be easier to deal with other credit cards. In general, the business person handling the credit card will ask you for the amount of the previous credit card. When the new credit card is usually given to you, the credit limit will exceed the previous limit. The fixed amount of a card. Of course, these salesmen do not have permission. They will only give feedback on your situation to their own company. After that, they will have special departments and personnel to review.
　　

Another credit card, because of the need of work, handled a platinum credit card, which was much higher than the previous card, and some of the benefits were also obvious. For example, when you are on a business trip, you can rest in the VIP room. There are some other occasions to take the VIP channel, but these benefits are not given in the same way. The price you pay is the annual fee for paying thousands of dollars to tens of thousands of dollars each year. It's good to say that the world is not free. What about lunch? But usually, these companies will tell you that the annual fee for the first year can still be waived when you have enough money.
　　

After using it for years, we felt that China Merchants Bank's credit card service was good. The disadvantage was that insurance companies always called me from the insurance company. I very much doubted that it would give my personal information to third-party companies (in fact, protection The topic of personal privacy seems to be a joke at home. In addition, I'm not satisfied with the fact that China Merchants Bank is always looking through my personal credit information at random (personal credit records and reports can be authorized on the Internet). Probably Every three months will be reviewed once. This makes me very unhappy. I once called and complained and pretended to threaten the other side. If I frequently check my credit information again, I would like to cancel the account. Then it seems to be a little effective. Check my credit information every six months for every six months. Oops 

 When it comes to reviewing credit records, this GF seems to be doing better. Usually, the GF will review my credit information about once a year. Then, afterwards, we will not forget that lollipop will be ordered and my credit will be raised each time. This point is more humane than what China Merchants Bank has done :).

The biggest ambitions of the Construction Bank will be to perform activities such as giving you hundreds of thousands of credits and spending freely within one year. With the help of loans, there will be no middlemen to make the difference. Oh, wrong, this is not advertising. The key point is that the interest rate is very low. For example, the last time I gave me was 4.6% annual interest rate. Some students may not be quite aware of this concept. I give a chestnut, Alipay claims to give me a loan interest rate is very low, five ten thousandths of a day, In this way, the annualized rate is 18%. Whichever is lower, it will be understood at a glance.
　　

For credit card quotas, most people will think that the quota is of course the higher the better, but my personal experience is not necessarily the case, so it is the best for their own, and sometimes I like to swipe, Commonly used and large expenses, commonly used cards are generally used for the purchase of daily life products, very frequent but the amount is not too high, too high for me is not much use, and this card I did not set a password, when the card It is also very convenient. In fact, I once telephoned the bank and asked me to lower my quota. 

 Of course, most people like the high amount, if you also want to apply for a higher limit card, in addition to the influence and position of the company where it is difficult to change, if you know the bank's lobby manager, president And so on, through their bid for a credit card, the quotas are generally guaranteed and higher, and they can all be approved. So next time you go to the bank to do business, you may wish to pay more attention to it. Maybe you can get to know a manager. It's also convenient to do things later. 

 Pic resource from pixababy.com 

This Article Written By My Friend: rivalhw 

Thanks for your kind of words my friend.