China Merchants Bank credit card has points in for-profit training institutions.
1. How to calculate credit card points: China Merchants Bank's credit card consumption accumulated points, a single consumption of 20 RMB /2 USD 1 points. Car cards and city theme series gold cards accumulate 1 points for every 20 yuan or USD 2, and an extra 50% points are given (the points are rounded off), but the validity period is 3 years. YOUNG card youth master card and Sina Weibo credit card holders will get 1 times bonus for spending in the birthday month, with a maximum of 2,000 points.
2. China Merchants Bank credit cards do not have points for all purchases, but generally have points for swiping cards in shopping malls, department stores, restaurants, hotel accommodation, tourism, etc. Consumption that does not count as points includes: online shopping, buying a house, buying a car, wholesale, charity, non-profit, government payment transactions, public schools, public hospitals, finance and other credit card websites that explicitly do not accumulate points.
3. In order to travel, play and shop, credit cards can be used to earn points, such as banquets and trips abroad.
Banks often cooperate with some designated merchants, where they can get multiple points by swiping their cards. The list of merchants designated by the bank can be found in the bank credit card official website.
5. In official website Bank, there are points discount activities all year round. For example, send points to change cards and send points in installments. You can always pay attention to the preferential activities in official website and double your points.
I have Guangfa Credit Card at hand, and I want to apply for Caizhi Fund to pay the course fee of the training course. Can this use be approved?
The purpose of the application is optional, such as "further education", and you will be given a quota with a high probability of being approved. Combine your credit history.
Credit card knowledge training experience?
Through the training of credit card knowledge, I learned that when dealing with credit cards, everyone is most concerned about the amount. After the quota is increased, it often means that consumption will increase and the repayment amount will also increase. The following is what I collected for you. Welcome to reading.
Article 1
When it comes to credit cards, most people's first reaction is that they can spend in advance and look at the wool in the bank. If you have the same idea, Xiaojin advises you to calm down and read the eight secrets hidden behind the credit card first.
First, installment payment.
At present, credit card installment payment has no interest, but there is a handling fee. Don't underestimate this handling fee. There are many doorways in it. Let me give you an example. For example, Xiaojin bought a computer with a credit card of 12000 yuan, and now he wants to repay it in 12 installments at the rate of 0.5% per installment. On the surface, it seems that the rate is very low, 1 year is 0.5% × 12 = 6%, but this is not right. The correct annual interest rate calculation formula is as follows:
Annual rate = 12× commission rate per period× number of periods /[ 1 number of periods /2]=24× number of periods× commission rate per period/1 number of periods.
Let's input the data into this formula to calculate:
Annual interest rate = 24×12× 0.5%/12 =11.077%.
1 1.077% is almost twice as much as 6%, so installment payment just seems low. Collecting wool from the bank by stages is a dream!
At present, there are many types of credit card installment, the most common ones are: consumption installment, bill installment, cash installment, decoration installment, car purchase installment and so on. No matter which issue you choose, you should think twice before you act!
Second, the installment of bills and the prepayment of credit card bills refer to that the credit card holder requires the credit card center to return the consumption amount to the bank in installments after using the credit card. The fees charged by banks for bill installment vary greatly. But they all have one thing in common: even if they repay in advance, the handling fee for each period is indispensable!
For example, Xiaojin bought a computer with a credit card 12000, and now he wants to repay it in installments with 12. The rate of each installment is 0.5%, so the handling fee of each installment is 0.5%× 12000 = 60 yuan, which means that Xiaojin has to pay back 1060 yuan each installment. Six months later, Xiaojin was rich and wanted to pay back all the money for the remaining six months. Xiaojin wants to give the bank 6360 yuan instead of 6000 yuan, because 60 yuan's handling fee will not be exempted because of early repayment. And some banks will charge prepayment fees.
Third, the number of credit cards.
Some people think that the more credit cards, the better. In fact, this is also a misunderstanding. First of all, 1 credit card has the same amount in the same bank as 10 card. In other words, Xiaojin's credit card limit in the bank is 65,438+10,000. If Xiaojin has 1 credit card, the credit card limit is 65438+ 10,000. If Xiaojin has 10 credit cards in the same bank, this 10 credit card will enjoy the limit of 654.38 million.
In addition, too many credit cards can easily lead credit card holders to confuse the consumption status of each credit card, thus leading to repayment default. It will also lead to the dispersion of credit card points, and the discount cannot be concentrated, which is ultimately not cost-effective.
Fourth, credit cards can't be used as savings cards.
For convenience, many people only use one card and put all the extra funds into the credit card. In addition, they can get points by swiping credit cards. The more points, the more discounts. In fact, this is not desirable. There are two reasons: 1 deposit money in a credit card without interest; There may be a handling fee for withdrawing cash from a credit card. Some banks accept 10 yuan, some accept 20 yuan, some accept 25 yuan and even 30 yuan, and some do not accept cash handling fees.
Fifth, cash withdrawal by credit card is inevitable.
Many people think that withdrawing cash by credit card has no interest as spending by credit card. But this is not the case. At present, most credit card withdrawals charge interest at the rate of 0.5 ‰ per day, and the converted annual interest can reach about 18%. So friends who want to withdraw cash by credit card must think twice!
Sixth, credit card security.
Credit card security is also the most concerned issue for everyone. In China, people are more accustomed to using passwords instead of signatures when swiping their cards. At present, internationally, credit cards use signatures as proof of consumption, and merchants are responsible for checking the signatures. However, in the practice of China, not many merchants will take the time to check the signatures of credit cards. Therefore, the insurance method is to use the form of "password signature" when swiping the card.
Seventh, raising the quota is not necessarily a good thing.
When handling credit cards, everyone is most concerned about the amount. After the quota is increased, it often means that consumption will increase and the repayment amount will also increase. With the increase of credit card quota, many people's repayment habits may not change immediately. For example, Xiaojin's previous quota was 20,000, and now he wants to buy a car, so Xiaojin called the bank and asked to raise the quota to 50,000, because Xiaojin was used to the repayment rhythm when the quota was 20,000, and after the card quota was raised to 50,000, Xiaojin's repayment habit did not keep up. The increase of credit card limit can bring us convenience, but after the increase, we must consult the bank to find out how to repay.
Eighth, full interest.
In order to avoid leaving a bad credit record when spending a lot, many people choose the minimum repayment amount to pay off their credit card debts. But many people don't know that interest is calculated from the day of consumption. In addition, before all the arrears are paid off, the paid part is still in the interest base. At present, some banks have cancelled this provision and only charge interest on the unpaid part. Therefore, when using such services, you must also consult the bank clearly.
After reading these, Xiaojin just wants to say: Debit cards can be presumptuous, and credit cards must be restrained. Because if you brush too much, it may become the last line. If you spend one yuan more, you may pay a few yuan more interest.
Jin interactive
Now almost everyone has 1 or two credit cards in his pocket. If used well, credit cards can help you save money, facilitate consumption and help you manage your finances. If you don't use it well, the credit card will make you fall into a vicious circle of overdraft, become a "card slave" and even ruin your credit history. The more credit cards, the better? The higher the quota, the better? What experience do you have? Let's share it.
the second
Credit card has become a necessity in our daily life, but whenever we want to cancel it, we will always encounter some problems. When we thought we had closed our account, a few years later, the bank called to remind us of the repayment. What's going on here?
First, how to cancel the account
1, calling card cancelled
The most direct and convenient way of credit card is to cancel the account by phone. You can call the customer service number on the back of the credit card and transfer to manual account cancellation according to the voice prompt.
2. Emotional attack
If you call the customer service, the customer service will definitely use various preferential policies to persuade you not to close the account. At this time, you only need to tell the other party clearly that you must close the account.
3. The customer service will check whether your credit card has arrears, annual fees and interest.
If everything is all right, the customer service will prompt you to cancel successfully and destroy it yourself.
Second, why is the account cancellation unsuccessful and the bank urges repayment?
1, many people think that this card is no longer needed. After a long time, the card will become a self-promoter, which is all wet. Credit cards don't automatically close accounts, but they will generate annual fees, because you have been useless. At first, they won't urge you to repay. The longer the time, the more you will be urged to repay when you reach a certain amount.
When making a phone call, the customer service advised you not to cancel the account for various reasons or preferential policies. If you don't express your meaning clearly and hesitate, the customer service staff will think that you don't want to close the account, so you won't close it. Therefore, we must categorically refuse!
3. The customer service staff is inquiring whether your credit card is in arrears. If it is in arrears, you need to pay off the annual fee or interest! Call again to cancel the account. If there is extra money in the card, you can choose not to let the customer service continue to cancel the account, or you can transfer the money in the card and call the customer service to cancel the account.
Special attention: whether the money owed is paid off or the extra money is transferred out, you should call the customer service to cancel the account after it is done!
4. The customer service tells you that after the cancellation is successful and the third-party payment bound on your card has not been untied, if there is any access within 45 days, the card will be automatically re-enabled, and the previous call will be invalid.
Article
In China, the post-80s generation is a very special generation, which plays a connecting role. The same is true when facing some new things, such as using credit cards. The post-80s generation is neither as conservative as the post-70s generation nor as casual as the post-90s generation. They have their own characteristics. Let's see with me how to play credit cards after 80.
1, the credit card limit is not as high as possible.
Most people hope that the higher the credit card limit, the better, but this is not the case. Some people have a high credit card limit, but they can't repay it after squandering it. If they are not careful, they will become slaves. Therefore, the higher the credit card, the better, just match your spending power.
2. The number of credit cards is 2-3.
The number of credit cards is not as large as possible. Sometimes you have to charge an annual fee because you swipe your card less often. Sometimes forgetting the repayment date is easy to cause overdue. Sometimes the credit card is maxed out, and you have to pay the overrun fee. Therefore, it is recommended to apply for 2-3 credit cards, which is enough to meet the needs of daily life.
3. Pay more within the credit card limit.
Every credit card has a limit, so swipe as many cards as possible within this maximum limit. Not only can you enjoy a long interest-free period, but you can also accumulate credit to prepare for future cash withdrawal by credit card.
4. Clever use of credit card interest-free period
The longest interest-free period of a credit card can reach 56 days. Usually, if you use a credit card, you can save the money to pay the credit card bill to earn interest/buy short-term bank financing, which will bring you many benefits in the long run!
5, credit card withdrawal is not easy to use.
A number of banks have introduced the first few free handling fees for credit card overdraft withdrawal, and used this to promote "free procedures", but free handling fees for credit card overdraft withdrawal cannot be exempted from interest. If the cardholder doesn't know about it, once the credit card is withdrawn, the daily interest will be 0.05%.
In fact, the main function of credit card is to facilitate the usual credit card consumption. Therefore, when using a credit card, we must first abide by the relevant rules of the bank, and then rationally consume according to our own actual situation and repay on time, so as not to cause huge repayment pressure or even overdue.
Experience of credit card knowledge training
Through the training of credit card knowledge, I learned that when dealing with credit cards, everyone is most concerned about the amount. After the quota is increased, it often means that consumption will increase and the repayment amount will also increase. The following is the credit card knowledge training experience I collected for you. Welcome to reading.
Credit card knowledge training tips 1
When it comes to credit cards, most people's first reaction is that they can spend in advance and look at the wool in the bank. If you have the same idea, Xiaojin advises you to calm down and read the eight secrets hidden behind the credit card first.
First, installment payment.
At present, credit card installment payment has no interest, but there is a handling fee. Don't underestimate this handling fee. There are many doorways in it. Let me give you an example. For example, Xiaojin bought a computer with a credit card of 12000 yuan, and now he wants to repay it in 12 installments at the rate of 0.5% per installment. On the surface, it seems that the rate is very low, 1 year is 0.5% × 12 = 6%, but this is not right. The correct annual interest rate calculation formula is as follows:
Annual rate = 12× commission rate per period× number of periods /[( 1 number of periods) /2]=24× number of periods× commission rate per period /( 1 number of periods)
Let's input the data into this formula to calculate:
Annual interest rate = 24×12× 0.5%/(112) =11.077%.
1 1.077% is almost twice as much as 6%, so installment payment just seems low. Collecting wool from the bank by stages is a dream!
At present, there are many types of credit card installment, the most common ones are: consumption installment, bill installment, cash installment, decoration installment, car purchase installment and so on. No matter which issue you choose, you should think twice before you act!
Second, the installment of bills and the prepayment of credit card bills refer to that the credit card holder requires the credit card center to return the consumption amount to the bank in installments after using the credit card. The fees charged by banks for bill installment vary greatly. But they all have one thing in common: even if they repay in advance, the handling fee for each period is indispensable!
For example, Xiaojin bought a computer with a credit card 12000, and now he wants to repay it in installments with 12. The rate of each installment is 0.5%, so the handling fee of each installment is 0.5%× 12000 = 60 yuan, which means that Xiaojin has to pay back 1060 yuan each installment. Six months later, Xiaojin was rich and wanted to pay back all the money for the remaining six months. Xiaojin wants to give the bank 6360 yuan instead of 6000 yuan, because 60 yuan's handling fee will not be exempted because of early repayment. And some banks will charge prepayment fees.
Third, the number of credit cards.
Some people think that the more credit cards, the better. In fact, this is also a misunderstanding. First of all, 1 credit card has the same amount in the same bank as 10 card. In other words, Xiaojin's credit card limit in the bank is 65,438+10,000. If Xiaojin has 1 credit card, the credit card limit is 65438+ 10,000. If Xiaojin has 10 credit cards in the same bank, this 10 credit card will enjoy the limit of 654.38 million.
In addition, too many credit cards can easily lead credit card holders to confuse the consumption status of each credit card, thus leading to repayment default. It will also lead to the dispersion of credit card points, and the discount cannot be concentrated, which is ultimately not cost-effective.
Fourth, credit cards can't be used as savings cards.
For convenience, many people only use one card and put all the extra funds into the credit card. In addition, they can get points by swiping credit cards. The more points, the more discounts. In fact, this is not desirable. There are two reasons: 1) there is no interest on saving money in a credit card; 2) There may be a handling fee for withdrawing cash by credit card. Some banks accept 10 yuan, some accept 20 yuan, some accept 25 yuan and even 30 yuan, and some do not accept cash handling fees.
Fifth, cash withdrawal by credit card is inevitable.
Many people think that withdrawing cash by credit card has no interest as spending by credit card. But this is not the case. At present, most credit card withdrawals charge interest at the rate of 0.5 ‰ per day, and the converted annual interest can reach about 18%. So friends who want to withdraw cash by credit card must think twice!
Sixth, credit card security.
Credit card security is also the most concerned issue for everyone. In China, people are more accustomed to using passwords instead of signatures when swiping their cards. At present, internationally, credit cards use signatures as proof of consumption, and merchants are responsible for checking the signatures. However, in the practice of China, not many merchants will take the time to check the signatures of credit cards. Therefore, the insurance method is to use the form of "password signature" when swiping the card.
Seventh, raising the quota is not necessarily a good thing.
When handling credit cards, everyone is most concerned about the amount. After the quota is increased, it often means that consumption will increase and the repayment amount will also increase. With the increase of credit card quota, many people's repayment habits may not change immediately. For example, Xiaojin's previous quota was 20,000, and now he wants to buy a car, so Xiaojin called the bank and asked to raise the quota to 50,000, because Xiaojin was used to the repayment rhythm when the quota was 20,000, and after the card quota was raised to 50,000, Xiaojin's repayment habit did not keep up. The increase of credit card limit can bring us convenience, but after the increase, we must consult the bank to find out how to repay.
Eighth, full interest.
In order to avoid leaving a bad credit record when spending a lot, many people choose the minimum repayment amount to pay off their credit card debts. But many people don't know that interest is calculated from the day of consumption. In addition, before all the arrears are paid off, the paid part is still in the interest base. At present, some banks have cancelled this provision and only charge interest on the unpaid part. Therefore, when using such services, you must also consult the bank clearly.
After reading these, Xiaojin just wants to say: Debit cards can be presumptuous, and credit cards must be restrained. Because if you brush too much, it may become the last one (the quota is gone), and if you spend one yuan more, you may pay a few yuan more (interest comes).
Jin interactive
Now almost everyone has 1 or two credit cards in his pocket. If used well, credit cards can help you save money, facilitate consumption and help you manage your finances. If you don't use it well, the credit card will make you fall into a vicious circle of overdraft, become a "card slave" and even ruin your credit history. The more credit cards, the better? The higher the quota, the better? What experience do you have? Let's share it.
Credit card knowledge training skills II
Credit card has become a necessity in our daily life, but whenever we want to cancel it, we will always encounter some problems. When we thought we had closed our account, a few years later, the bank called to remind us of the repayment. What's going on here?
First, how to cancel the account
1, calling card cancelled
The most direct and convenient way of credit card is to cancel the account by phone. You can call the customer service number on the back of the credit card and transfer to manual account cancellation according to the voice prompt.
2. Emotional attack
If you call the customer service, the customer service will definitely use various preferential policies to persuade you not to close the account. At this time, you only need to tell the other party clearly that you must close the account.
3. The customer service will check whether your credit card has arrears, annual fees and interest.
If everything is all right, the customer service will prompt you to cancel successfully and destroy it yourself.
Second, why is the account cancellation unsuccessful and the bank urges repayment?
1, many people think that this card is no longer needed. After a long time, the card will become a self-promoter, which is all wet. Credit cards don't automatically close accounts, but they will generate annual fees, because you have been useless. At first, they won't urge you to repay. The longer the time, the more you will be urged to repay when you reach a certain amount.
When making a phone call, the customer service advised you not to cancel the account for various reasons or preferential policies. If you don't express your meaning clearly and hesitate, the customer service staff will think that you don't want to close the account, so you won't close it. Therefore, we must categorically refuse!
The customer service staff is inquiring whether your credit card is in arrears, annual fee or interest (if it is in arrears, it needs to be paid off! Call again to cancel the account. If there is extra money in the card, you can choose not to let the customer service continue to cancel the account, or you can transfer the money in the card and call the customer service to cancel the account. )
Special attention: whether the money owed is paid off or the extra money is transferred out, you should call the customer service to cancel the account after it is done!
4. The customer service tells you that after the cancellation is successful, the third-party payment bound on your card has not been untied. If there is access within 45 days, the card will be automatically reactivated, and the previous call will be invalid.
Credit card knowledge training skills 3
In China, the post-80s generation is a very special generation, which plays a connecting role. The same is true when facing some new things, such as using credit cards. The post-80s generation is neither as conservative as the post-70s generation nor as casual as the post-90s generation. They have their own characteristics. Let's see with me how to play credit cards after 80.
1, the credit card limit is not as high as possible.
Most people hope that the higher the credit card limit, the better, but this is not the case. Some people have a high credit card limit, but they can't repay it after squandering it. If they are not careful, they will become slaves. Therefore, the higher the credit card, the better, just match your spending power.
2. The number of credit cards is 2-3.
The number of credit cards is not as large as possible. Sometimes you have to charge an annual fee because you swipe your card less often. Sometimes forgetting the repayment date is easy to cause overdue. Sometimes the credit card is maxed out, and you have to pay the overrun fee. Therefore, it is recommended to apply for 2-3 credit cards, which is enough to meet the needs of daily life.
3. Pay more within the credit card limit.
Every credit card has a limit, so swipe as many cards as possible within this maximum limit. Not only can you enjoy a long interest-free period, but you can also accumulate credit to prepare for future cash withdrawal by credit card.
4. Clever use of credit card interest-free period
The longest interest-free period of a credit card can reach 56 days. Usually, if you use a credit card, you can save the money to pay the credit card bill to earn interest/buy short-term bank financing, which will bring you many benefits in the long run!
5, credit card withdrawal is not easy to use.
A number of banks have introduced the first few free handling fees for credit card overdraft withdrawal, and used this to promote "free procedures", but free handling fees for credit card overdraft withdrawal cannot be exempted from interest. If the cardholder doesn't know about it, once the credit card is withdrawn, the daily interest will be 0.05%.
Why did CITIC Bank take so long to train credit cards?
Lay a good foundation for getting started.
1, induction training is also called "pre-job training" and orientation training camp for freshmen. The length of pre-job training for banks such as CITIC Bank is stable at around 20 days, all of which are aimed at laying a solid foundation for entry.
2. Long-term credit card training helps to better master the pre-job skills and lay a good foundation for the post.
This is the end of the introduction of the credit card training class, and the credit card training class begins to give a speech. I wonder if you found the information you need from it?