I almost forgot that I used to be a blogger who studied credit cards. I guess you have forgotten that you used to be good at writing credit cards.
The main thing is that credit cards have really declined.
Think about whether you haven't taken out your credit card for a long time. Anyway, the last time I swiped a physical card was in Macau last September.
Ant-shaped flowers and JD.COM white stripes occupy a lot of space that originally belonged to credit cards. Not because of their good function points, but because they are convenient enough.
But anyway, at the beginning of each year, I will come to check which credit cards are worth recommending.
Let's talk about the current situation of several credit cards.
1) The value of credit cards is becoming less and less important.
At present, Alipay, WeChat Pay, UnionPay China UnionPay Express and Apple Pay are all very convenient, and the credit card is actually behind. But the physical card is really becoming less and less important.
This is actually a big change. I really used to apply for a credit card for the centurion's face, but now you have no chance to take this card out and brush it.
2) The number of credit cards in hand is decreasing.
China Banking Regulatory Commission (CBRC) issued new credit card regulations, and major banks are bound to reduce annual fee-free cards in 2022. Not only banks, but also individuals will greatly reduce the number of credit cards in their hands.
I think 3-5 credit cards are enough for one person.
There are too many cards, which will make it difficult to manage the cards and cause the risk of overdue. At the same time, some credit cards will require N transactions a year to avoid annual fees. If you forget, it will be a tragedy.
Take Xi Youjun himself as an example. I only have three (four) cards in my hand at present.
China Merchants Bank Diamond, Shanghai Pudong Development Bank Super White, Bank of Communications World Polar Card (because it is a MasterCard single standard card, it has made UnionPay unicorn white). So I said, I only have three (four) cards.
It can be seen that these cards are mainly used in hotels and airport VIP rooms, and the money they brush can be well exchanged for air miles.
Not many cards, but the essence.
Don't blindly pursue free annual fee. The configuration of your own card is actually spending money to buy rights. This is usually good.
3) The credit card market will be more and more subdivided.
For example, China Construction Bank's Longka car card will give you/kloc-0 times a week to wash your car and then change your oil card, and you can also enjoy road rescue.
Everbright Filial Piety Platinum provides 8 times of expert appointment registration and accompanying consultation and 2 times of free tooth cleaning throughout the year, mostly for your health.
Shangri-La card, 15% discount on food and beverage, 10% discount on hotel stay, and you can also redeem Shangri-La points to properly stay in Shangri-La artifact.
......
4) Major banks are paying more and more attention to their own apps.
All major banks have their own credit card-specific apps. You can brush these apps more. There are a lot of little wool.
For example, on the handheld life APP of China Merchants Bank, there is a 50% discount on meal tickets every Wednesday; Buying movie tickets for Puda Xiben APP is often cheaper than cat's eye and Taobao movies 1-2 yuan; Bank of communications pays the bill. APP can occasionally get a discount when eating in the mall.
Let's talk about credit cards.
What is the essence of credit card?
Credit card is a kind of credit product, that is, the bank lends a credit fund to the cardholder, which needs to be returned after consumption. However, credit cards have a certain interest-free period, allowing cardholders to use the funds in the credit card for free during the interest-free period.
Then why do we use credit cards?
The core appeal is to save money. After all, credit cards have an interest-free period.
In addition, many credit cards are cashed back when swiped overseas. For example, my super white, overseas cash back 10%, was given a 10% discount when shopping in Macau.
Second, for the sake of rights.
There are still many rights and interests of credit cards, including free CIP(CIP is the exclusive passage of the airport), hotels, delay insurance, road rescue, driving, appointment registration and pick-up and drop-off machine. ......
If you use it well, you can improve your happiness appropriately.
How to find a suitable credit card?
Meet your own needs
For example, if you don't go abroad much, it's not a waste to ask for an overseas cashback card. If you don't have a lot of travel needs, CIP and shuttle bus may not be suitable for you.
If you love life, be careful. 10% gasoline discount and 95% supermarket discount may be more suitable for you than free hotels and air miles.
If you like dinner, you may be lucky to get a 50% discount on the meal ticket of China Merchants Bank every Wednesday.
There is also the essence of ABC, and the hospital registration is really good.
Whether a credit card is good or not depends only on whether it suits you.
Neither ant flowers nor JD.COM white stripes are good substitutes for credit cards.
They are really just convenient and can meet the basic functions of credit cards (credit products), but they are very different from credit cards in high-end rights and interests.
I will use the flower buds myself in certain situations (hoarding pig house coupons, not writing them off and not repaying them). But many times, although it is Alipay and WeChat payment, fast payment is bound to a credit card.
Low-end card, there is really no need to apply.
The more low-end cards, such as game co-branded cards and business super-branded cards, the more difficult it is to increase the quota and comprehensive financing in the later stage. Try to get a high-end card as soon as you apply.
Otherwise, it's really better to use flowers and white stripes.
In fact, high-end cards are not difficult. For example, in Hangzhou, with Ali's badge, it is basically not difficult to apply for a classic white card of China Merchants Bank.
In 2022, tell me which credit cards I would recommend myself.
The focus is still on credit cards suitable for travel. This article is my own recommendation, without any soft implants. You can rest assured.
Free of annual fee (or annual fee points deduction)
Ping an Zhu credit card
The designated fuel consumption is 8.8% off (the upper limit of monthly fuel bonus 100 yuan), and you can also wash your car 48 times a year in 8.8 yuan and drive twice a year for free.
Credit card introduction:
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Bank of Communications Standard Platinum Card (White Kirin)
6 times Longteng VIP lounge, 6 times Ward Airport VIP lounge, 6 times drunk driving, air ticket delay insurance. 18 comparison 1 is the mileage of the four major airlines.
The annual fee is free in the first year (three transactions within 45 days and each transaction exceeds 168 yuan), and 250,000 points are exchanged for the annual fee in the second year.
Credit card introduction:
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Shanghai Pudong Development Bank American Express Super Platinum Credit Card (Super White Card)
Not limited to airport VIP lounge, overseas offline consumption 10% cash back, free hotel for 4 nights a year, 8 transfers, delay insurance, global emergency rescue.
Free hotel fitness, 6 free movie tickets per month.
Deduct 600 thousand points from the annual fee every year.
Super white is much harder than the above picture.
Credit card introduction:
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Spend money on rights and interests
China Merchants Bank Diamond Credit Card (annual fee is 3,600)
Four free air tickets for children every year, unlimited CIP (you can also bring one for free), six 300 hotel benefits, 1 physical examination or two consultations with Chinese medicine, 1 tooth cleaning, 12 golf driving range, and travel delay insurance. ......
Four children's air tickets a year are worth an annual fee of 3600. This card is the king of parents and children.
Credit card introduction:
/ccard/vip/diamond/index.html
Bank of Communications World Card (the annual fee is 4,800 yuan or1.20 thousand points can be deducted, and the annual fee is generally selected1.20 thousand points with a value higher than 4,800 yuan).
Airport VIP room, unlimited times throughout the year, can carry 3 people at a time; Free hotel for 4 nights a year; Drunk driving every year12; Delay insurance; Swimming/fitness, yoga, equestrian and skating are free in 24 star-rated hotels throughout the year.
Credit card introduction:
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Summary:
Be sure to match your needs and choose a credit card that suits you.
Be sure to do subtraction, and credit cards will do, not too much. Try to keep high-end cards and sell some less useful low-end cards. It's actually good to spend money on rights and interests.
Finding a good job will help you apply for all kinds of good credit cards.
Finally, I put a new year's sunshine golden hill, which I took in Kaiyue Town, Lijiang.
In the new year, everyone should be thriving.