American Union Credit Card

Newcomers apply for SPGAmex credit card for help

Credit card processing conditions:

1. The minimum application age stipulated by the bank is 18 years old, and the maximum application age is 60 years old;

2. Need my second-generation ID card;

3. There is a work certificate and income certificate stamped with the financial chapter of the unit;

4. No bad credit record;

5. Other financial certificates, such as real estate, automobiles, stocks and bonds.

Materials required to apply for a credit card:

1. Applicant's ID card;

2. Credit card application form of the application bank;

3. Work certificate and income certificate stamped with the financial seal of the unit;

4. Individual businesses need individual business licenses and tax bills for nearly three months;

5. Other financial proof: income tax withholding certificate; Copy of self-owned real estate license; Copy of self-owned car driving license.

Credit card application process:

1. Fill in the application form;

2. The information of the bank itself and a copy of the information;

3. The bank sends it to the credit card center;

4. The credit card center conducts audit, business card printing and card issuance;

After getting the card, I opened the card and waited for the password letter.

Which credit cards can be redeemed for SPG points?

First, choose a good card to increase points. With the continuous development of Internet finance, the proportion of online consumption is increasing. In the past, most netizens paid more attention to the integral activities of credit card offline transactions. In fact, choosing the right credit card can also have unexpected gains online. For example, Taobao Xinka, launched by a bank, can quickly pay for shopping through Alipay online, and can also get credit card points rewards. Spend RMB 1 yuan 1 credit card points, and online and offline consumption points can be combined into one.

Second, online use is more cost-effective. Credit card points can be directly used as money online. For example, you can use a Taobao Xin card mentioned above to pay through Alipay's fast payment function, and you can make online consumption without opening online banking, and you can pay for water, electricity and gas. And the points can be converted into Taobao "Jifenbao" points, and Taobao shopping can directly deduct cash. 500 credit card points = 100 Alipay Jifenbao = 1 RMB, and the maximum amount of a single payment can be exchanged for 50 yuan. Overall, it is quite cost-effective.

It is very convenient to use points online, and you can also go to the special merchants of credit cards to exchange gifts and so on.

What credit card should I get to stay in a hotel?

Question 1: What card is more cost-effective for people who often stay in hotels? In fact, none of the membership cards are cost-effective, and some are charged. However, if they hold activities in hotels, they can get one. Generally, the card is valid for one year, and it will be invalid if it is not used.

Question 2: How to check into a hotel cheaply with a credit card?

As the saying goes, "the poor family is rich", you can be frugal in your daily life at home. You must bring more money when you go out, and don't treat yourself badly. Especially when you have children, take them out to play. Don't neglect the quality of travel and affect your mood because of money. In addition, incidents like "He Yi Hotel" emerge one after another, which makes us worry about the safety of express hotels and small private hotels. Therefore, whether for ourselves or for our families, we need to spend more energy to provide them with a more comfortable and safe travel experience. Today's article may help you.

1. Hotel Equity Card

1, Classic Platinum Card of China Merchants Bank

Enjoy the right to stay in "300 Selected Hotels" for four times at the VIP price, select 120 hotels with fine design, and enjoy the holiday time.

2. China Merchants Bank Diamond Credit Card

In addition to the above selected hotels, China Merchants Bank Diamond Credit Card can also be redeemed for three parent-child theme park hotels (Disneyland Hotel, Guangzhou Changlong Hotel and Zhuhai Changlong Circus Hotel), ClubMed Resort (located in Guilin, Dong 'ao Island, Sanya, Bali, Phuket and Tanbin Island) and well-known luxury resort hotels (Banyan Tree in Hangzhou Xixi, Banyan Tree in Lijiang, Banyan Tree in Chongqing Beibei and Shangri-La Renren Hotel).

In addition, the cardholder should also note that the overnight interest will be deducted twice when redeeming 1 room at Banyan Tree Lijiang, Banyan Tree Ren 'an Shangri-La, Banyan Tree Xixi Hangzhou, Commune at the foot of the Great Wall, disneyland hotel, Guangzhou Changlong Hotel and ClubMed Resort.

3. China Merchants Bank Express Platinum Card

Enjoy the right to stay in the "300 Selected Hotels" for four times, get the membership of Hilton Gold Card and Carlson Club Gold Card for free, and enjoy the VIP treatment of more than 65,438+0,000 hotels around the world. In addition, thanks to the blessing of American Express, this card can easily enjoy the best hotel rights and interests portfolio in China, and the essential one is FHR plan-staying in more than 600 top hotels and resorts around the world, enjoying upgraded rooms, breakfast delivery, meal coupons of $65,438+000 and first-class accommodation, and the hotels in FHR are basically luxurious and luxurious, and the basic quality can be trusted and decided at will.

4. Pudong Express Platinum Credit Card

Twice a year, 50,000 points are redeemed for occupancy rights. The hotel covers 40 popular holiday cities at home and abroad and Southeast Asia, and more than 70 star-rated hotels and boutique hotels. After calculation, after deducting the annual fee with 200,000 points, it is more appropriate to exchange the remaining points for hotel occupancy rights. In addition, if you stay in Accor Hotel, you will get 1, get 2 for staying in 2 and get N for staying in N. In addition, this courtesy requires "continuous" stay.

Second, the hotel co-branded card

1, CITIC IHG Club Gold Card

After opening the card, you can get the IHG Gold Card member, and you can enjoy 30% discount on the weekend room rate, free breakfast for two+1 children, free extra bed, late check-out until 4 pm, etc. The first year of opening the card is free of annual fee, and the second year is free of charge for swiping the card five times. Holders of platinum I or above can apply for final exemption.

2. Pufa IHG Club Co-branded Card

The points of the IHG co-branded card are calculated in the graded points, so in theory, you can upgrade your IHG to Platinum and Zhiyue members only with this card. With Priority Club points, you can redeem free accommodation at any of the more than 4,600 hotels of IHG worldwide. If you only need 65,438+00,000 points, you can redeem free accommodation at Holiday Inn Express China. In addition, this card can be scored not only through consumption, but also through Pufa red envelopes.

In addition, MasterCard World Card can be upgraded overnight through SPG, and VISA Platinum Card and UnionPay Platinum Card often have hotel promotions. Pay attention before traveling, which will bring unexpected gains to the journey.

I hope the above introduction will help you in your future journey.

Question 3: What kind of credit card should I apply for? Mainly staying in a hotel to buy things and withdraw cash. Bank of Communications and Huaxia Bank have high quotas and are easy to pass.

Question 4: What kind of credit card is suitable for hotel accommodation? Many banks have hotel joint credit cards. See which hotel you often stay in, and then find the corresponding card type.

Question 5: What is pre-authorization of credit card hotels? People who travel frequently may have experienced the pre-authorization business of bank cards: swipe your credit card at the front desk when you check in, then sign it, and swipe it again when you check in and check out to complete the payment. The so-called pre-authorization refers to the transaction in which the card issuer or its agent confirms the permitted frozen amount before the cardholder pays. In other words, pre-authorization means that customers who travel frequently for consumption may have experienced the pre-authorization business of bank cards: swipe their credit cards at the front desk when they check in, then sign, and swipe them again when they check in and check out to complete the payment. The so-called pre-authorization refers to the transaction in which the card issuer or its agent confirms the permitted frozen amount before the cardholder pays. In other words, pre-authorization refers to the transaction that the card issuing department needs to make a future payment commitment to the merchant when the customer consumes, because the consumption amount is uncertain. The pre-authorized transaction amount will be frozen, and it is not allowed to participate in other transactions before the pre-authorized settlement of the corresponding transaction takes place. When the customer settles the pre-authorization, the pre-authorization will be cancelled. Within 30 days after the pre-authorization, if the customer fails to settle the account, the pre-authorization will also be cancelled. In general, pre-authorization can only be done by credit card, but some banks, such as China Merchants Bank, can also use debit cards for pre-authorization. For example, hotels and restaurants often require a certain amount of cash as collateral for consumption and accommodation. If pre-authorized, the cardholder will confirm the signature after swiping the card at the front desk, and part of the funds in the card will be frozen, which is about 1 15% of the estimated consumption. When the cardholder leaves, if the credit card is used to settle the consumption with the merchant, the merchant will cancel the pre-authorization and unfreeze it. If the cardholder finally settles in cash, then remember to ask the merchant to cancel the pre-authorization on the POS terminal. If it is not cancelled, this part of the freeze will be automatically lifted after 30 days. In addition to booking hotels, bank card pre-authorization can also be used to book air tickets online. In fact, pre-authorization is to freeze part of the funds, which is equivalent to paying part of the deposit. As it is mainly used for deposit consumption, the current pre-authorization business mainly focuses on hotel and air ticket booking.

Question 6: What should I pay attention to when using a credit card to stay in a hotel? 1. When you check in, the hotel will ask you to show your credit card first and brush a blank bill. This blank bill means that you have the ability to check out, so you don't need to pay in advance and you don't need mortgage documents. Don't sign the bill after swiping the card. It's very important to remember to get the credit card back.

If you call the hotel to make a reservation yourself and say that you want to pay by credit card, the hotel staff will ask you for a credit card. The significance of this action is to ensure that you stay in the hotel on the day of booking, and the hotel will help you book a room. So, if you book a room, but you can't arrive at the hotel on time due to some special circumstances; Without notifying the hotel to cancel the reservation, the hotel will help you keep the room for one day by ensuring the reservation procedure. So although you didn't go to stay, the hotel has prepared a room for you, so you still have to pay for staying in the hotel for one day.

Therefore, if you encounter similar cancellation in the future, please remember to inform the hotel, and then ask the hotel to give you a cancellation number and copy it down. If the hotel still charges, you can use your name, hotel name and cancellation number to check with the bank.

3. When checking out, the hotel will fill in all the expenses of staying in the hotel on the purchase sign, and you can only sign the purchase sign after checking the expenses correctly, thus completing the transaction.

Question 7: What kind of credit card do you prefer to stay in a five-star hotel so that you can apply according to your own situation?

1. Bank of Communications credit card, the threshold for approval is very low, you only need to provide your ID card and your work certificate (that is, work permit, badge, or income certificate stamped with the official seal of the unit, or even the original business card and passport copy of the unit or institution).

The overdraft limit is average, not very high. Of course, the information you provide is more comprehensive, and the amount of proof that you own real estate and automobile products will be much higher.

The interest-free period of Bank of Communications is 56 days.

The integral is one yuan, which is easy to accumulate, and there is no integral for cash withdrawal.

Withdrawal fee 1%, the minimum for each withdrawal is 10 yuan, which means that you have to pay for withdrawal 100/0 yuan, and you have to pay for withdrawal 100/0 yuan.

Except for the perpetual power card, you can apply for installment repayment for a single consumption of 1500 or more.

There is no free SMS reminder function for transactions, and the monthly SMS reminder service for transactions in 3 yuan.

2. Minsheng Bank's credit card has higher approval requirements than Bank of Communications, and your non-local personnel are not allowed to approve the card at present, and some discriminate against rural household registration personnel.

The overdraft limit is slightly higher than other banks.

The longest interest-free period for consumption is 50 days.

There is no handling fee for withdrawing cash at the ATM of local Minsheng Bank.

Minsheng Bank's billing date and repayment date can be set by itself, and the points exchange is at the upper-middle level.

3. China Merchants Bank Credit Card has a low threshold for handling cards, which is the first brand of credit cards in China, and its card circulation is second only to ICBC.

The overdraft limit is relatively higher than Bank of Communications and lower than Minsheng Bank and China Everbright Bank. Of course, this mainly depends on your property and income.

The longest interest-free period for consumption is 50 days.

Cash withdrawal fee 1%, with a minimum of 10 yuan per transaction, which is the same as the cash withdrawal fee of Bank of Communications credit card.

The online shopping mall is better, and the installment repayment is convenient. According to the current credit card ownership, I have always been particularly satisfied with the customer service of China Merchants Bank's credit card, and the credit card reputation is also good.

4. Everbright Bank credit card, the threshold for card approval is very low, and my Everbright credit card did not even ask me for work and property certificates.

The overdraft limit is very high, which is basically higher than any other bank.

The longest interest-free period for consumption is 50 days.

Cash withdrawal fee 1%, with the lowest 3 yuan per transaction, which is the lowest among all other banks.

Automatic staging function. After the automatic installment function is turned on, every time you swipe your card, no matter how much you swipe it, it will be automatically divided into 12 installments.

Question 8: Can I use my credit card to stay in the hotel? Yes

As long as the credit line is sufficient, the pre-authorization amount is frozen at the time of registration and unfrozen at the time of checkout, and deducted according to the actual amount.

Question 9: Which bank credit card, hotel discount or business card?

China Eastern Gold, IHG, SPG Gold, what is the most appropriate posture to apply for a credit card?

Look at personal needs.

Conditions for applying for a credit card:

1. At least 18 years old and no more than 65 years old;

2. Have a good credit record;

3. Applicants may apply for no more than two supplementary cards for their spouses or relatives with full capacity for civil conduct.

Credit card application materials:

1. Identity information: copy of resident ID card or military officer's card;

2. Proof of work and income;

3. Other financial certificates: such as a copy of the real estate license, a copy of the automobile driving license, a copy of the deposit certificate, etc.

Credit card application process:

1. Fill in the application form;

2. The information of the bank itself and a copy of the information;

3. The bank sends it to the credit card center;

4. The credit card center conducts audit, business card printing and card issuance;

After getting the card, I opened the card and waited for the password letter.

Which bank's credit card can be redeemed for mileage?

China Merchants Bank's aviation co-branded card exchanges points for mileage.

Aviation co-branded card consumption mileage

1、

The airline co-branded credit card accumulated 65,438+0 spending mileage every 65,438+08 RMB /2 USD, and the ANA co-branded credit card accumulated 65,438+0 spending mileage every 20 RMB /2 USD. Consumption and expenses without points cannot be calculated.

2、

The consumption mileage of the supplementary card is accumulated to the membership number of the main cardholder, and the supplementary card is not accumulated separately.

3. The validity period of consumption mileage shall be subject to the announcement by the partner. If you need to query the quantity and redemption of consumption mileage, you need to operate it on the partner's website and other channels.

Extended data:

If you spend 18 RMB or $2, you can accumulate 1 points for the "Oriental Miles" with the joint credit card of China Eastern Airlines, and you don't need to apply separately. The accumulated points can be exchanged for China Eastern Airlines award tickets, upgrades and exquisite gifts.

Credit card spending will accumulate "Oriental Miles" points one by one, regardless of integer and decimal places, and will be credited to the membership card account of Oriental Miles on a monthly basis.

According to our points rules, the related expenses paid by withholding, real estate, education, health, welfare and other government services, residential services and commercial services, wholesale merchants, supermarkets, gas stations, automobiles and other merchants, as well as the consumption of non-cumulative transaction reward points published on the website of China Merchants Bank, will not be included in the "Oriental Miles" points.

China Merchants Bank-Aviation Co-branded Card Consumption Mileage

China Merchants Bank-China Eastern Airlines Joint Credit Card

The newcomer asked spg, can the Marriott account-bound credit card be deleted?

Information needed to apply for a credit card

1. Identity information: copy of resident ID card or military officer's card; If compatriots from Hong Kong, Macao and Taiwan or foreigners apply in the Mainland, they also need to provide work certificates.

2. Proof of work income: proof of salary and a copy of social security (paid for more than half a year).

3. Auxiliary materials for credit card application of Agricultural Bank: education background, professional title, professional qualification certificate, self-owned real estate license, self-owned car driving license, original documents of telephone, water, electricity and gas charges in the last three months of the current residence, and copies of time deposit certificates with the amount of more than 65,438+00,000 yuan opened in Agricultural Bank, etc.

The launch of spg co-branded credit cards and American co-branded credit cards ends here. I wonder if you found the information you need from it?