What are the benefits of applying for a credit card? Why do so many people apply for credit cards?

Security. It would be more unsafe if you carry a lot of cash with you when going out. Currently, in many areas, you can use credit cards to make purchases, and you only need to carry a small amount of cash and a credit card to go out. Many people will say that it is also possible to carry a debit card, but debit cards are mainly used to store assets. If they are lost, they will cause a relatively large amount of damage, while even if a credit card is lost, there will not be much damage. discount. At present, many banks' credit cards will cooperate with stores to promote users to use credit cards for consumption. Generally, they provide direct discounts or full discounts, and the discount range is relatively large. Reduce economic work pressure. When you encounter financial difficulties, you can relieve your own financial work pressure by swiping your credit card. Relieving stress naturally does not mean endless consumption. Especially for many young people, they are more willing to consume in terms of spiritual entertainment. Many people become moonlighters just to improve the so-called material comfort. Many people even choose advanced consumption to meet their current needs. Bank Cards have become one of the best choices for many people, which has led to the rapid expansion of my country's credit card market. The number of credit card issuance is a business assessment for employees, and credit cards also help banks grasp the consumption consciousness of young people. , and more and more young people enjoy early consumption and also enjoy the benefits brought by the convenient use of credit cards. Therefore, bank customer resources and income have also been improved, ensuring that they can capture a certain market share.

Banks have certain regulations on the issuance of credit cards, and they will be punished if they fail to meet the goals. This is why many banks are very concerned about the implementation of credit cards. Many credit cards have various consumption policies. They have various preferential policies depending on the applicable scenarios. Whether it is points redemption for gifts, overseas consumption rebates, free business class, etc., many people will receive many free benefits. .

How many credit cards do you have? Why so many?

I personally have four credit cards. But I have applied for 15 credit cards. In the end, 11 were canceled and only these 4 were left!

Credit cards, if you use them properly, will bring certain help and convenience to your life! Because credit cards have limits. And the credit card limit can be borrowed as cash.

For example, you need a certain amount in the short term. If you are embarrassed to ask others to borrow money, then a credit card is the best way. Therefore, having a credit card can relieve you of financial pressure in the short term.

Why aren’t there too many credit cards? Because the credit card itself is this. What needs to be repaid is! Moreover, the repayment date for each credit card and each credit card is different. If there are too many credit cards, it may lead to confusion in the management of credit cards, and eventually the repayment date will be forgotten. Eventually, the credit card expires and a bad credit record is created. In this case, you just have to try.

So I suggest that the total number of credit cards you hold should not exceed five. Because there are five bills, the billing date of each bill is calculated separately! Divide 30 days by 5 and get one billing day every six days, which is easier to manage.

Thanks for reading, please add my following.

I have credit cards from 5 banks. Many of them were invited by the banks, and I can actually use many of the benefits, including a Centurion Platinum Card from China Merchants Bank. , although the rigid annual fee of 3,600 yuan is not a penny, you must pay it, but there are many benefits. First of all, there are more than 900 airport VIP lounges in more than 120 countries and 400 cities around the world, with unlimited use throughout the year. We all know that they are often late. Many of them are first-class lounges of airlines. It is very pleasant to eat and drink in a comfortable environment. Generally speaking, the environment of foreign lounges is better. I have used them in Tianjin, Xiamen, Beijing, Hong Kong and Paris. Rooms are also useful for those who like to travel and vacation. There are luxury hotels all over the world, including more than 50 brand hotels such as Peninsula, Four Seasons, Westin, and Ritz-Carlton. There are usually activities. Everyone knows the points of China Merchants Bank. 20 yuan accumulates 1 point, so it is quite difficult to accumulate. But Centurion Platinum is much easier, and the points earned from the investment are relatively valuable. For any purchase within 3 months of opening the card, you will receive 25,000 points as a bonus, and you will receive 10 times the points in your birthday month.

You can apply for 2 supplementary cards for free, and both have 10 times the benefits of your birthday, which is 20,000 points.

In the first year of opening the card, you can get 55,000 points just by relying on these three items! These 55,000 points can be exchanged for airline miles or hotel points, which are worth about 5,500 yuan, so it is very cost-effective to get this card.

There are many other benefits that I won’t mention one by one. To put it bluntly, the Centurion Card is about spending money to buy services. I personally think it is quite worthwhile. Use a card to open up another lifestyle.

I have applied for 6 cards from 6 banks: Guangfa, China Merchants, Ping An, CITIC, ICBC, and Agricultural Bank of China. Currently, except for the cancellation of ICBC, the other 5 cards are in use.

The cancellation of ICBC happened at the beginning of this year, purely because there were too many accounts reflected in the credit report, which was not conducive to applying for a mortgage loan.

5 cards is not too much. Why it takes me a long time to deal with it, I will keep it short.

1. Guangfa: It was a door-to-door salesman. The first card was made out of fun and novelty. It has been 12 years since then. The frequency of use in the past 12 years has not been high. It mainly solved the monthly payment problem after buying my first house. Now I only use it 6 times a year to waive the annual fee and almost let it sleep;

2. Investment promotion: One day when I opened the QQ membership page, a pop-up appeared, saying it was a co-branded card. There were many discount merchants in the area, covering food, drink, and entertainment, so I applied for it. I did save a lot of money by using the China Merchants Bank card.

3. Ping An: The salary card comes with it. You can use it for gas every month and enjoy a 12% discount.

4. CITIC: I am interested in the benefits of i Platinum, but unfortunately the benefits are greatly reduced now. It is currently the most frequently used card. Because of the high limit, I used it to pay a small part of the down payment for buying a house this year.

5. Agricultural Bank of China: It is a co-branded card of China Eastern Airlines, which is used to collect miles. Not used much at the moment.

In general, the normal (see clearly) usage rate is not high, but abnormal usage is very high! Every month, the limit of these 5 cards is only 10, and all the money is spent on wool. I don't need the word "investment"! In addition to convenience, saving money, relieving financial pressure, and improving personal credit, the biggest benefit of credit cards is that they can make money make money!

If you apply for a credit card because you are short of money, remember not to become a card slave!

Personal opinion, thank you for reading, welcome to follow and communicate!

I commonly use four credit cards, including two from China Postal Savings Bank, one from China Merchants Bank, and one from Huishang Bank. Let’s talk about why I use these credit cards.

You can stagger the billing dates of multiple credit cards to maximize the interest-free period

I have four credit cards. In order to enjoy the longest interest-free period, I try to choose the period when the credit card has just been issued. I didn't use the card for a few days after the billing date, so I set the billing dates of the four credit cards to the 7th, 15th, 22nd and 30th respectively, so that I could use different cards at different times to strive for the interest-free period for repayment. If I swipe the card on the 10th, I will use the card with the billing date of the 7th. If I swipe the card on the 20th, I will use the card with the billing date of the 15th.

Different credit cards have different advantages

Because Huishang Bank is a small local bank, there are many discounts, such as 50 off Pizza Hut for orders over 150 on weekends, one yuan for car wash, ten yuan Movie watching and other activities, and there are many cooperative merchants for the activities, this is the main reason why I use Huishang Bank credit card. The Postal Savings Card gives me the highest credit limit, and there are often promotions. Currently, the promotion of 20 off for spending 200 or more on gas on Sundays is pretty good. The purpose of applying for a China Merchants Bank credit card was to get gifts. The credit limit was okay and the points were quite useful, so I kept using it.

Hello everyone, I am a young man from the banking industry.

Because I am in a bank, I was very curious about credit cards from various banks, and then I applied for them one by one. When I started working for three years, I had seven credit cards, namely China Construction Bank and ICBC. , China Merchants Bank, CITIC, Communications, Ping An, and Rural Commerce. I was working at Rural Commercial Bank at the time. I was afraid of the trouble of my bank constantly reviewing employee behavior, so I later took the initiative to lower the limit. I didn’t want to cancel the card, and it was of no use at ordinary times. But it is worth mentioning that Rural Commercial Bank's credit cards generally have higher credit limits. At least my client at China Construction Bank has a credit limit of seven to eight thousand, and I gave him a one-time payment of fifty thousand when he applied for it. The most commonly used credit card is China Merchants Bank, because China Merchants Bank has many special promotions, can increase credit limit quickly, and has rich benefits such as points mall. After all, I am still young and like to play, so a China Merchants Bank credit card is indispensable. I still have the CCB card because they have a quick loan that can be borrowed and repaid on a daily basis, which I will save for next year’s renovations and occasional credit card purchases to support my future self. I have canceled all other credit cards. It was the most difficult time to sell the product to Ping An. I had to call customer service several times before finally selling the product. Ping An's business spirit almost made me collapse.

This is probably the story of me and my credit cards, and I would like to share it with you. .

Everyone is welcome to criticize and correct us. If you have any bank-related questions, please feel free to discuss them in the comment area or private message.

Hello, I only started to get into contact with credit cards last year. At that time, I was looking after a newly opened store for the company. Then I was there by myself, and a salesperson came to sell me one day. To be honest, I never I have never thought about applying for a credit card. I have been using Ant Huabei before. The main reason we talked was that he lived in the same place as me, bought cars of the same brand, and the card he applied for was a car owner card, so I wanted to help him complete the task. Well, it was not easy, so I applied for my first credit card, Guangfa Car Owner Card.

This is pretty good. You can get cash back by swiping your card when you refuel. 1. I have been using it now, and the current limit has increased from 15,000 to 20,000.

Then I found that the credit card was pretty good and I applied for Zhang Pufa’s from Meituan. However, the credit limit was 2,000, but now it’s 5,500. Is this worthy of a platinum card?

Later, I applied for Zhang Zhongxin’s, and I always gave him face, and the quota was 20,000.

I feel that credit cards are very useful once used. I only have three at the moment, and I will definitely apply for one in the future. I plan to apply for a global one in the future so that I can use it when I get married and travel abroad. What do you think? ?

Hello, I am a bank employee and I have four CCB credit cards.

Why do you apply for so many credit cards? Because credit cards enjoy different rights and interests according to different types, they can make more effective use of bank resources.

Give me an example that is easy to understand.

The first one is the China Construction Bank Transportation Dragon Card, which is a credit card launched by China Construction Bank for car owners. After opening, the bank can install OBU for free, which means that when driving on the highway, the vehicle does not need to stop and can go directly through the ETC channel, and the fee will be automatically deducted from the credit card, saving time and effort. The new car card has an annual fee of 200 yuan. As long as you meet the requirements, you can swipe the card twice a month or swipe 2,000 yuan every quarter, and you can also enjoy a free car wash once a week. What a bargain.

The second one is the CCB Barbie Credit Card. The pattern is very exquisite. Please forgive me for processing the card because it looks good. Haha, please forgive the girlish dream in every woman’s heart. There are also many special rights and interests.

The third one is the Tuniu card. People who love traveling must get one.

At the same time, I would like to suggest that you can deepen your understanding of the rights and interests of each credit card type through WeChat public platform network and other channels. In this way, you can choose the applicable card type according to your needs.

The fourth one is the employee card. Not much to say, after all, you are an employee, and you must apply for one if you are proud of it.

Important reminder. If you make good use of the interest-free period of bank credit cards, you can take advantage of bank funds. You can apply for several credit cards from different banks, and then set different billing dates. Each time you swipe the card to make a purchase, choose the credit card with the billing date that has just ended. Use this to get the longest interest-free period. Moreover, various banks will launch various activities from time to time, such as discounts on movies, discounts on meals, etc. The more credit cards you have, the more choices you will have.

One final reminder. 1. Be sure to remember the interest-free period of your credit card, remember the repayment date, ensure repayment on time, and accumulate a good credit record.

Currently, I have 4 credit cards, including engineering, construction, transportation, and Guangfa. I remember the first time I used a credit card, I almost didn’t use it every month. Later, I became in debt and one card was not enough, so I directly applied for the third credit card. Two, and then the third and fourth, which led to more debt. In the end, it was the left hand instead of the right hand. It cost a lot of handling fees every month. Fortunately, I have better self-control and am more frugal every month. , I worked hard to make money and pay it back, even if it was less than 500, it would be 500. In the end, I slowly paid it off, and in the end it cost a lot of handling fees. It is recommended that those who have poor self-control should not play with credit cards. Not everyone can play well?

Credit cards, I counted the ones I have on hand, there are 7 in total, and the total limit is not High, less than 200,000, are investment, transportation, Guangfa, Ping An, Xingye, Zheshang, and Pudong Development.

My first credit card was from a merchant. I had just graduated from college and a salesperson applied for it when I was working in a hotel. I applied for it based on my academic qualifications. As my first card, the limit was not high. The total amount is 3,000. Although it is not high, I am still very happy. After all, it is the first credit card which is very memorable. I still use it now. Of course, the limit has been increased to more than 20,000.

The second batch of cards were for transportation and Guangfa. The salesperson also came to the door at that time. I didn’t plan to apply for them at first. Later, the leader insisted on letting me apply for them and asked for a recommendation gift. Usually the leader treats me well. , I did it on his recommendation, and the quota is not too high, 10,000 for transportation and 11,000 for Guangfa. It is still used now, and the quota has also been increased.

The third batch of cards were from Ping An, Xingye, and Zheshang. I was working as a card clerk in transportation at the time. To put it bluntly, I just helped each other, so I got it. Except for Zheshang’s 10,000, everyone else Above 20,000, in order to help them complete the assessment, these three cards were used, and they are still used now. The limit has also been increased, and Xingye has been increased to 50,000.

The fourth batch of cards was Pudong Development Bank. I filled out the Pudong Development Card online at that time, but I didn’t expect to apply for the card. The limit was 45,000, which was pretty good, so I opened the card and used it. , now the quota has been raised to 60,000, which feels pretty good.

This is all my credit cards and it really helps me a lot. Of course, credit cards are double-edged swords, and you must control them well when using them. It is best not to tear down one wall to make up for the other. Otherwise, if you don't handle it well, the holes will get bigger and bigger, until you completely become a "card slave."

There are risks in using the card, please use it with caution.

In fact, you have to understand why banks issue credit cards! It's for consumption. When you have a credit card, you will spend money without realizing it. With the first card, you will fall into an endless loop because you have consumed it in advance. You will definitely have to pay it back when it is due. What should you do if you still can't pay it back? Make another one and use this one to pay for another one. Once you practice this, you will get deeper and deeper! I have three cards, which I use back and forth, and I can’t bear to apply for another card

Why do banks recruit people to apply for credit cards?

The first reason: issue more credit cards. The bank can make money.

Many people think credit cards are free. It’s true that they are completely free to process, but did you know what? The free ones are the most expensive, and credit cards are a typical example.

If you don’t want the money, the bank will send you the credit card.

In fact, the pit to make your money has long been buried. The first pitfall is management fees. A credit card requires an administrative fee. Although the amount is not large, it adds up over time. As for banks, there are so many credit cards issued, and each card charges a management fee, which is a large expense every year. So the bank takes the initiative to let people apply for credit cards.

There are two pitfalls: interest and handling fees. Once you use a credit card, these two charges are difficult to avoid. If you choose to repay in installments, the more you spend, the higher the interest you will need to pay back. In fact, banks often make money from interest. Moreover, the handling fee will also increase, so the bank does not worry about you applying for a credit card at all. What you worry about is that you won’t do it.

This is the end of the introduction on why we apply for so many credit cards and why we apply for so many credit cards. I wonder if you found the information you need?