Dry goods! Which credit card is the best for travel in 222?

I haven't written a credit card for a long time.

I almost forgot that I used to be a blogger who studied credit cards. I guess you've forgotten that you used to be quite good at writing credit cards.

The main reason 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 Flower Blossoms and JD.COM White Stripes have taken up a lot of space that originally belonged to credit cards. Not because of how good their function points are, but because they are convenient enough.

but anyway, at the beginning of each year, I still come to check what credit cards are worth recommending.

Let's talk about the current status of several credit cards.

1) The value of credit cards is becoming less and less important.

At present, Alipay, WeChat Pay, UnionPay China Unionpay Quick Pass and Apple Pay are all very convenient, but the credit cards are actually behind them. But the physical card is really becoming less and less important.

this is actually a big change. I used to really apply for a credit card for the centurion's face, but now you have no chance to take out this card and swipe it.

2) The number of credit cards in hand is decreasing

China Banking and Insurance Regulatory Commission has issued new credit card regulations, and major banks are bound to reduce the annual fee-free cards in 222. 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.

too many cards will make it difficult to manage cards, which will lead to overdue risk. At the same time, some credit cards will require N strokes a year to avoid the annual fee, which would be a tragedy if you forget it.

Take Youyoujun himself as an example. I only have three (four) cards at present.

China Merchants Bank Diamond, Shanghai Pudong Development Bank Super White, and Bank of Communications World Pole Card (because it is a MasterCard single label card, a unicorn white of UnionPay was issued). That's why I said, I only have three (four) cards.

It can be seen that the main function of these cards is for the VIP rooms of hotels and airports, and the money spent at the same time can be well exchanged for the mileage of airlines.

there are not many cards, but the essence.

don't blindly pursue free annual fee. The configuration of my own card is actually to spend money to buy rights and interests. This is often good.

3) The credit card market will be more and more subdivided.

For example, CCB's Longka car card will give you a car wash once a week, and then change your credit card, and you can also enjoy road rescue.

Everbright Filial Piety Platinum, which provides 8 expert appointments and accompanied visits throughout the year, and 2 free tooth cleanings, is mostly for your health.

shangri-la card, with 15% discount for dining and 1% discount for staying in the hotel, you can also exchange Shanla points and properly stay in Shanla 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 at ordinary times. There are a lot of small wool.

For example, on the Pocket Life APP of China Merchants Bank, there is a 5% discount on meal tickets every Wednesday; Buying movie tickets for Pu Daxi Ben APP is often 1-2 yuan cheaper than Cat's Eye and Taobao Film; Bank of Communications pays the bill. APP can occasionally get a discount when eating in the mall.

Next, let's talk about the credit card

What is the essence of a credit card

A credit card is a credit product, that is, a bank lends a credit fund to a cardholder, and you have to pay it back after spending it. However, credit cards have a certain interest-free period, which allows cardholders to use the funds in credit cards 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 they are swiped overseas. For example, my super white, overseas cash back 1%, when shopping in Macao, it was a 1% discount.

Secondly, for the sake of rights and interests

There are still many rights and interests of credit cards, such as free CIP(CIP is the exclusive passage of the airport), hotels, delay insurance, road rescue, driving, booking registration, pick-up and drop-off ......

You can use it properly, which can improve your happiness.

how to find the right credit card?

Match your needs

For example, if you don't go abroad much, it's not a waste to get an overseas cash back card. If you don't have a lot of business travel needs, CIP and shuttle may not be suitable for you.

if you love life, be careful. 1% discount on gas and 95% discount on supermarkets may be more suitable for you than free hotels and airline miles.

If you like to have dinner, you may be lucky to get a 5% discount meal ticket from China Merchants Bank every Wednesday.

And the essence of Agricultural Bank. Hospital registration is really good.

there is no good credit card, only whether it suits you.

Ant Flower Blossoms and JD.COM White Stripes are not good substitutes for credit cards.

They are really convenient and can meet the basic functions of credit cards (credit products), but they are quite different from credit cards in terms of high-end rights and interests.

I will use the flower buds myself in certain scenes (I will hoard the coupons for flying pig houses, and I will not write them off or repay them). But most of the time, although the payment is made by Alipay and WeChat, the fast payment is bound by a credit card.

There is really no need to apply for low-end cards.

The more low-end cards, such as game co-branded cards and Shangchao co-branded cards, the more difficult it is to upgrade the quota and comprehensively raise funds in the later period. Try to apply for high-end cards as soon as you apply.

otherwise, you really might as well use flowers and white stripes.

In fact, it's not difficult to get a mid-to-high-end card. For example, in Hangzhou, with Ali's work card, it's basically not difficult to apply for a classic white card of China Merchants Bank.

in 222, let's talk about which credit cards I would recommend myself.

The emphasis is still on credit cards suitable for travel. This article is my own recommendation, and there is no soft implant. You can rest assured to read it.

annual fee free (or annual fee deducted by points)

Ping An Good Owner Credit Card

Designated refueling consumption is 28% off (the upper limit of monthly refueling bonus is 1 yuan), and you can also wash cars in 8.8 yuan 48 times a year. Free driving twice a year

Credit card introduction:

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Bank of Communications standard platinum card (white unicorn)

6 times Longteng VIP lounge, 6 times Ward airport VIP lounge and 6 times drunk driving. 18: 1, change the mileage of the four major airlines

The annual fee is free for swiping the card in the first year (three times in 45 days and each time is over 168 yuan), and 25, points are exchanged for the annual fee in the next year.

credit card introduction:

/creditcard/cards/21871 _ 1531211763.html

Shanghai Pudong Development Bank American Express Super Platinum Credit Card (ultra-white)

Unlimited airport VIP lounge, 1% cash back for overseas offline consumption, free hotel for 4 nights a year, 8 shuttle buses, delay insurance and global emergency rescue.

Free hotel fitness and 6 free movie tickets per month.

6, points per year will be deducted from the annual fee.

Super white is much harder than the above pictures.

Credit card introduction:

/minisite/private banking218/index.shtml

Spend money on the equity category

China Merchants Bank Diamond Credit Card (annual fee is 3,6)

4 free air tickets for children every year, Unlimited CIP (you can also bring one for free), six 3 selected hotel benefits, one physical examination or two TCM consultations, one tooth cleaning, 12 golf driving ranges, travel delay insurance ...

Four children's air tickets per year are worth the annual fee of 3,6. This card is simply the king of parents and children.

credit card introduction:

/ccard/VIP/diamond/index.html

Bank of Communications World Pole Card (the annual fee of 4,8 yuan or 1.2 million points can be deducted, and the annual fee is generally chosen because the value of 1.2 million points is higher than 4,8 yuan)

Airport VIP lounge, unlimited times throughout the year, can carry 3 people at a time; 4 nights free hotel every year; Drinking and driving 12 times a year; Delay insurance; Free swimming/fitness, yoga, equestrian and skating in 24 star hotels throughout the year.

credit card introduction:

m.com/content/dam/pc/mkt/sjzj/index.html

Summary:

Be sure to match your own needs and choose a credit card that suits you.

subtraction must be done. credit cards are refined, not too many. Keep high-end cards as much as possible, and sell some low-end cards that are not so useful. It is actually quite 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 photo of the Golden Mountain of Rizhao in the New Year, which I chose to take at the Hyatt Regency Lijiang.

in the new year, everyone should be thriving.