Subvert credit card

Credit card is higher than interest? Subvert your cognition.

I believe that most of my friends are using credit cards now.

But do you know

Your credit card may have higher interest than online loan.

1: If your credit card can be repaid in full every month according to the bill amount, it is definitely more appropriate, without any interest.

But once your credit card is in the lowest repayment state for a long time, it will become very high interest.

I've experienced it myself.

/kloc-in August of 0/4, I applied for a credit card with a line of 10000 yuan, and the minimum repayment lasted for half a year. Later, the minimum repayment amount was as high as 1700 yuan.

A card equivalent to 10000 yuan will generate 700 interest in the current month, which is equivalent to seven points of monthly interest.

I hope everyone will recognize the reality and use credit cards reasonably.

CITIC Baidu Financial Co-branded Card: A Black Card for Young People

Want a black card with high-end atmosphere and low threshold? It is definitely right to choose this CITIC Baidu Financial Co-branded Card. This credit card is a black card for young people jointly created by CITIC Bank and Baidu Finance, and all kinds of rights and interests are quite good.

If you don't know much about this credit card, you want to know some basic information about it, such as application conditions, annual fee, quota, rights and interests, etc. , you can get to know it together.

1. What kind of credit card is CITIC Baidu Financial Co-branded Card?

According to reports, "CITIC Baidu Financial Co-branded Card" is an important step in the cooperation between Baidu Finance and CITIC Bank. Through strong cooperation, the two sides have opened up online and offline rights channels, subverted the traditional credit card points model, and created a "black card for young people" in the Internet community.

From the outside, this co-branded card is the first time that a hollow black design has been adopted in domestic credit cards, and there are two options: UnionPay and VisaSignature. Not only attractive appearance, but also high cash back has become the "killer" of this credit card.

After the UnionPay version of the co-branded card is bound to Baidu wallet, consumers can enjoy the cash back of 3% of the payment amount, while new users who apply for VISASignature for the first time can enjoy the cash back of up to 10% of the transaction amount by using the co-branded card for overseas payment.

2. What are the requirements for applying for CITIC Baidu Financial Co-branded Card?

Because it is a joint-name card of Bank of China and Baidu Finance, both parties provide an application entrance in the application channel.

If you are interested in this card, you can open Baidu wallet and click "Apply for Credit Card". If you feel safe to go to online banking, you can also open official website, a credit card of China CITIC Bank, find this co-branded card and click Apply.

It should be noted that you don't need to provide any information to apply for a credit card online, so the bank can only decide whether to apply for a card for you based on the application form and the comprehensive evaluation of your credit information. Therefore, in order to improve the success rate of card processing, we have to master some skills in filling out forms.

For example, the income column can be filled higher; The higher the educational level, the higher the score; Fill in the fixed telephone number truthfully, if not, you can fill in the fixed telephone number of relatives and friends; Fill in the mobile phone number correctly and so on.

3. How much can I get for applying for CITIC Baidu Financial Co-branded Card?

When granting credit card overdraft limit, CITIC Bank will determine the upper limit according to the applicant's credit status. Specific reference items include age, gender, unit, income, position, housing, education, marriage, real estate, professional title, credit record, personal financial assets, etc. A score segment corresponds to an achievement, from no card batch to card batch, from low to high.

In addition, CITIC Bank has different credit card quotas at different levels. Take Baidu Financial Co-branded Card as an example. This credit card is positioned as a gold card, and the range of the credit card is naturally similar to that of CITIC's gold card, generally ranging from 6.5438+00,000 yuan to 50,000 yuan. Everyone's situation is different, and the amount obtained is different.

4. What is the annual fee for CITIC Baidu Financial Co-branded Card?

Baidu Financial Co-branded Card is a gold card, and you can enjoy the gold card rights of CITIC Bank. Of course, while enjoying the rights, it should also pay the annual fee to the bank like all gold cards. The annual fee collection standard varies according to the difference between dual-currency cards and single-currency cards:

1 dual-currency card: the main card is 300 yuan RMB/year, and the auxiliary card is 150 yuan RMB/year;

2. Single-currency card: the main card is 200 yuan RMB/year, and the auxiliary card 100 RMB/year;

However, this co-branded card is free of annual fee for the first year, but only if you use this card once or withdraw cash from this credit card once within 30 days of card inspection can you enjoy this preferential annual fee policy. In addition, you can also reduce the annual fee for the following year by swiping your card or withdrawing cash five times in one year.

Verb (abbreviation of verb) matters related to the cashback of CITIC Baidu Financial Co-branded Card

In addition to its attractive appearance, CITIC Baidu Financial Co-branded Card has the biggest advantage that it can be cashed back by swiping the card, and different versions have different cashback amounts.

There are two main types of cash back for Baidu financial co-branded cards, one is UnionPay card 3%, and the other is VISA card overseas payment 10%, as follows:

1. After applying for the UnionPay version of the co-branded card, you can bind the credit card to Baidu wallet and spend it in Baidu glutinous rice, Baidu takeaway, Uber, Youbao, Mi Yuan and other scenes, and enjoy the cash back of 3% of the payment amount, with the highest monthly 200 yuan.

2. New customers of the 2.Visa version of the co-branded card can use the co-branded card to pay overseas, and can enjoy a maximum cash back of 65,438+00% of the transaction amount, with a maximum cash back of 65,438+000 USD per month.

However, if you want to participate in cashback, you must register first to enjoy cashback qualification. If you have registered cashback, you can enjoy cashback for transactions in the month of registration and after, and cashback will naturally return to the cardholder's credit card account before the end of the following month.

The above is the analysis and introduction of all aspects of this CITIC Baidu Financial Co-branded Card. If you think it's good, please praise it. If you feel that it is not comprehensive enough, please feedback the questions you want to know and make up for them. I sincerely hope this strategy can help you.

What are the advantages and rights of the latest high-end credit card "Dream Card" series launched by Pudong Development Bank?

Do you know that Shanghai Pudong Development Bank bought two high-end credit cards? Once, it attracted the attention and love of the majority of card friends. What attracted them so much? What are the advantages and rights of the "Dream Card" series of high-end credit cards of Pudong Development Bank?

Characteristics and rights of "Dream Card" series of high-end credit cards of Shanghai Pudong Development Bank

1. Exquisite and distinguished card face: PUFA "Dream" card has two metal cards, namely "Cosmic Star" card and "Dream Wing" card. The "Cosmic Starry Sky" card takes "Stars and Dreams" as its creativity, engraves the meteor trajectory with 24K gold-plated machinery, and is inlaid with diamonds, symbolizing the harmony between man and nature and the dream of harmony between man and nature. The overall design is dazzling and high-end. At the same time, the "Dream Wing" brand symbolizes the voyage of the dream wing, and the dark shading is supplemented by special ink, which makes the flapping dream wing bright and gives people a full and powerful visual impact. The overall design is simple, steady and low-key. The combination of luxurious metal materials and fine craftsmanship endows the metal card with inherent brilliance.

2. Pay equal attention to texture and beauty: As the "starting lineup" of PUFA "Dream" series credit cards, metal cards are a brand-new card choice for high-end customers, which combines texture, beauty and uniqueness. Dream card metal card dream wing stainless steel alloy texture, weight is more than 5 times that of ordinary plastic card, specific mechanical carving, smooth and powerful lines, creating a strong three-dimensional visual impact. Mengka metal card universal starry sky: not only stainless steel alloy texture, weight is more than 5 times that of ordinary plastic card, but also mechanical carving and laser carving are used to perfectly present the three-dimensional effect of the picture. The 24k gold-plated process is inlaid with diamonds to create a bright starry sky.

3. Personalized customization: not only the card surface is highly collectible, but also has a highly customized function, and all rights are independently combined. Pufa Dream series credit cards will be mass-customized, and cardholders can freely choose card organization, card surface material, personalized card surface and exclusive privileges to create their own unique personality cards and truly realize "one credit card, one rights platform". The insiders believe that Pufa will subvert the existing traditional credit card ecology and bring the future credit card into a new era of "personal customization".

4. High-end supreme service: Holding such an exquisite and distinguished credit card is a symbol of the strength and identity of the cardholder. PUFA's move aims to provide the most discerning high-end cardholders with a distinguished and unique card experience, so that customers can better experience the supreme service of PUFA "Dream" series credit cards.

Alibaba started to do things, and the new function of flower bud was launched. Is Alipay going to subvert the bank credit card?

As a deep user of Alipay, I wonder if you have found it? Alipay quietly introduced new features, and Alipay's flower buds can set repayment dates. Is it true that Alipay intends to turn flower buds into credit cards? Is it necessary to subvert the traditional credit card industry? Although the current payment date can be set for Alipay's flower buds, it is only open to a small number of people for internal testing.

You can look at your Alipay and see if you will become a minority that Alipay thinks. Can I make a change? Xiao Ha teaches you how to change Bai Hua's billing date and repayment date: First, open Alipay on the "My" page. Then set it in the following repayment date option settings. After clicking on the appointment, you can see the introduction of the function of flower bud.

Don't be too happy. Do you think you can set it freely according to your own preferences, such as setting the billing date to any date between 1 and 30? Actually, it is not. There are only two options. You can choose to set the billing date on the 5th and repay the loan before15th. Or 10 billing, repayment on the 20th, there is no other choice. For example, Xiao Ha chose to pay the bill on the 20th just to experience it. However, when your reservation is successful, the following interface will pop up to tell you that the reservation is successful, but the real effective date is 20 19 10. It won't take effect until next month, which means this function is still being tested. But after your mobile phone shows that the appointment is successful, it doesn't mean that the appointment is really successful.

You can see that there is an important small prompt in the reservation interface: "In September, you will receive a SMS notification of whether the setting is successful or not. Appointment does not mean that the setting is successful, which is subject to SMS. " Accident is not an accident, accident is not an accident? If you regret it, you can also click the Cancel button below. After that, Alipay will change to the default monthly 1 and repay on the 20th.

Subversion of credit cards and swiping cards is over. I wonder if you found the information you need from it?