The campaign of “RMB 10 Film Ticket” with credit cards of Industrial Bank (IB) is being launched in cities around China, and this is one of the most favored preferential activities among holders of IB credit cards.
In fact, in the opinion of many credit card consumption experts, to learn how to make use of credit card based concessions is only the first step to become a credit card expert. To become a real expert, you need to know how to play more games.
Holding an Individualized Credit Card with DIY
Zhou Yan is the public relations manager of a trade company based in Guangzhou. Upon her first wedding anniversary, she applied an IB “DIY credit card” in spirits and printed a wedding photo of her and her husband on the card face. It gives a unique feeling to Zhou Yan upon consumption by swiping the card. “My wedding photo is printed on the card. Besides serving as a souvenir of special meaning, it can never be identical to other credit cards so that I can find it in my wallet with a glimpse. Therefore, I use it at a high frequency.” She said happily to the reporter.
In actuality, as desired by the cardholders, they can use various photos including family photo, individual photo, pet photo, and scenic photo, and even the calligraphy or painting work can be printed on IB credit card as the card face pattern, thus becoming an eternal “treasure”.
Moreover, the “lucky credit line” of IB credit card has also become a prevailing trend recently. The “lucky credit line” is based on the favor of Chinese people to those “lucky numbers”, e.g. “ 6” implies “everything goes well”; “7” signifies a “propitious omen”; and “ 8” means “fortune comes from all directions”. It is reported that cardholders may apply to IB for “lucky numbers” that they favor or take those numbers which are of great significance to them as the basis for approving the credit lines of their credit cards. For instance, if the number “ 6” is applied, the final credit line approved may possibly be “ 6666” , “ 66666” , etc.
Care-free Use of Card Based on Repayment Knacks
With more than one credit card, the repayment dates of which are different, cardholders may miss the repayment deadline as a result of negligence sometimes, and statement inquiry is also a problems harassing them. Nonetheless, these matters are simple to handle if you know the knacks.
Many people are accustomed to log in the internet banking system or mobile banking system to check the account information of credit cards. Yet, Li Bing, a tour guide who is nicknamed “bank card expert” by his colleagues, tells the reporter that we can inquire about the account information of our cards by sending a message. For instance, one can check his or her credit card statement and points by sending the short message “30xxxx” (xxxx stands for the last four digits of his or her IB credit card) with the mobile phone number that he or she has set with IB to the bank's service hotline “ 95561” ; one can handle the functions such as activating a newly-applied credit card, activating SMS notification on transaction, closing SMS notification on transaction and credit card loss report by sending the short messages “31xxxx”, “32xxxx”, “33xxxx”, and “34xxxx”, etc. correspondingly.
Upon the mention of credit card repayment, Li Bing recommends the “lazy” secret enthusiastically. “It's very simple. I bundle my IB credit card with my IB wealth management card, activate the automatic repayment function, and set “fully repayment”. In this way, upon each date of repayment, IB will automatically deduct the corresponding amount from my wealth management card for repayment of my credit card. Thus, I do not worry about any overdue statement any more!”
Enjoying the Convenience of Shopping with Online Payment
One can get whatever available in the market at Taobao.com without going out. Nonetheless, it's a bit boring to enter such information as credit card number and term of validity one by one upon each consumption at Taobao.com. Yet, it is not a problem for Miss Lin, a “diamond” buyer of Taobao.com. “It's very simple. In fact, you can finish the consumption within 1 minute with the ‘fast payment' function of IB credit card. The rewarded points can also be used to deduct cash at the rate of 500 points for RMB 1.” She supplemented, “the gifts exchanged with rewarded points may not be those that you want, but it's different to use these points to deduct cash. It's very cost-effective!”
Miss Lin also prefer another function of IB credit card: After bundling the card with the mobile banking client of FFT and setting personal “management bills”, one can inquire and pay the bills of many utilities charges such as water, electricity, coal, and telecommunication, without paying additional handling commissions. “In this way, I do not have to open mail box to check various bills frequently, nor worry about paying such bills upon such hot days. What I need to do is to move some fingers”, Miss Lin waved the IB credit card in her hand proudly.