What are the benefits of applying for an American Express card?
Personally, I think that benefits are a prominent advantage of American Express and the biggest benefit of applying for its credit card. Take my Ping An Bank American Express Safari Card as an example. It allows me to get a full range of high-quality privileges. Take my personal favorite shopping as an example. Its card members can enjoy free parking and VIP access to high-end shopping malls such as K11 shopping mall, Shanghai ifc international trade iapm shopping mall, Shanghai Shangjia Center, and Beijing Wangfu Central without accumulating consumption. room, birthday multiple points, merchant discounts starting from 15% off, new product appreciation and a series of distinguished privileges. You can enjoy free parking, hands-free shopping and free afternoon tea for two in the Bicester Shopping Village provided by Bicester Shopping Village, and you can enjoy the Florence shopping town. The exclusive benefits of VIP lounges and brand discounts included in the membership benefits will be answered by Baidu’s answerer. At the same time, you can enjoy up to 10% off when purchasing designated Apple products and services in the American Express Apple online privileges area, which can be used on iPhone, iPad, AirPods, etc. In addition, during this Double Eleven, you can also use American Express cards to pay the deposit and final payment. During the final payment period from October 31st to November 3rd and November 10th to November 11th, you can use Alipay to pay in the Taobao app and select Fast payment with American Express RMB credit card. You can get an instant discount of 137 yuan for a single payment of 2,500 yuan. You can also enjoy an additional 37 yuan instant discount of up to 37 yuan with Alipay's "American Express Red Packet Rain", which can save a lot of money.
What are the advantages and disadvantages of CITIC Bank American Express Credit Card?
The advantages and disadvantages are personal and cannot be generalized; \1. Features of CITIC Bank American Express Credit Card: \Top-level benefits of up to 3 times the points for daily purchases! Regardless of whether you are spending domestically or overseas, for every RMB 1 you spend with your card, you can earn up to 3 times the points with the gold card, and up to 1.5 times with the regular card\ 2. Application conditions: \ Age of the principal card applicant: 18-60 years old ;Application age for supplementary card: 16-65 years old\3. Card introduction, flexible travel around the world with one card and two currencies\RMB/USD card, one card and two currencies. Overseas consumption can be repaid in domestic RMB and US dollars. Choose from multiple currencies for repayment, whatever you want. . Zero risk in safely reporting lost cards. If your credit card is lost or stolen, you only need to call the 24-hour global 800 toll-free CITIC customer service hotline to complete the loss reporting procedures, which will take effect immediately, giving you peace of mind. , Convenient global access to cash advance \ If you need to withdraw cash temporarily, you can use your card to advance cash at our bank branches and ATM machines, as well as ATM machines with UnionPay or AE stickers; you can also withdraw local currency overseas and withdraw cash at any time, which satisfies Your emergencies. , Easily consume first and repay later\The interest-free repayment period of up to 50 days allows you to consume with peace of mind, enjoy first and repay later, without any worries. , Simple no guarantor and no deposit required\Double-free service makes the application procedure simpler and faster, allowing you to take out the card freely. , Exciting reward points for swiping your card\Swiping your card points can be exchanged for a variety of rewards, premium products and flight discounts, adding to the fun of life. , Comprehensive and flexible payment, easy and labor-saving\Flexible repayment, easy and labor-saving: cash repayment, personal settlement account transfer repayment, check transfer repayment, letter transfer/telegraphic transfer repayment, CITIC ATM transfer repayment, telephone banking repayment, CITIC Automatic Deposit Machine (CDM) repayment, ATM inter-bank transfer repayment, and 800 hotline for foreign exchange purchase repayment.
What kind of card is American Express?
The Express Card refers to a credit card launched by American Express. In 1958, American Express launched the first American Express card. The identification mark of the American Express card is "Americanexpress". The people served by the American Express card are mainly high-end users. American Express has its own payment system and issues credit cards directly to consumers. . American Express has reached cooperation with multiple institutions and jointly launched various credit cards, such as Peony Express Card, China Merchants Bank Express Card and CITIC American Express Card.
What is a credit card?
Credit card (English: creditcard) is also called a credit card. It is a non-cash transaction payment method and a simple credit service.
A credit card is generally a special carrier plastic card with consumer credit that is 85.60 mm long, 53.98 mm wide, and 1 mm thick.
It is issued by the bank to individuals and organizations, and can be used to shop, consume, and deposit and withdraw cash from the bank. It is in the form of a card with the name of the issuing bank, validity period, number, cardholder name, etc. printed on the front and a magnetic card on the back. strip, signature strip.
Credit cards are issued to cardholders by banks or credit card companies based on the user's creditworthiness and financial resources. Cardholders do not need to pay cash when making purchases with the credit card, and repayment will be made on the billing date (English: billing date).
On April 15, 2016, the central bank issued the "Notice of the People's Bank of China on Matters Related to the Credit Card Business", which canceled late payment fees for credit cards, introduced liquidated damages, and prohibited the collection of over-limit fees. The new regulations were implemented in January 2017 It will be officially implemented on the 1st.
The debit card is an ordinary savings card. The account attribute is a current deposit account, which can be used for consumption, ATM deposits and withdrawals, etc.; the credit card can be used for consumption, ATM deposits and withdrawals, etc. The biggest advantage is that it can Overdraft (with a certain credit limit)
Generally, bank cards are divided into two types: credit cards and debit cards.
Credit cards are divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the card-issuing bank grants the cardholder a certain credit limit, and the cardholder can consume within the credit limit first and repay later. A quasi-credit card refers to a credit card in which the cardholder first deposits a certain amount of reserve fund as required by the bank. When the reserve fund is insufficient to pay, the cardholder can overdraw within the credit limit specified by the card-issuing bank.
Debit cards are divided into transfer cards, special cards and stored-value cards according to different functions. Debit cards cannot be overdrawn. Debit cards have the functions of transferring money, depositing and withdrawing cash, and spending money. A special card is a debit card used in a specific area and for special purposes (referring to purposes other than department stores, restaurants, and entertainment industries). It has the functions of transferring funds, depositing and withdrawing cash. A stored-value card is a prepaid wallet-style debit card in which the bank transfers funds to the card for storage at the request of the cardholder and directly deducts funds from the card during transactions.
What is an American Express card?
American Express card is referred to as American Express card in China. Everyone’s broad understanding of it may be the legendary American Express Centurion Black Gold Card. But in fact, in addition to high-end black gold cards, American Express brand credit cards issued by major domestic card issuers also have a series of cards for the new middle class and the public, such as the classic series of upstart cards, gold cards, green cards and blue box series. This year, American Express also launched the Yaohong Card in cooperation with a number of banks. This card is a RMB settlement credit card. Cardholders can accept American Express card merchants around the world, shopping and spending at home and abroad without barriers. The surface of the card is "Chinese red", coupled with American Express's classic "centurion head", which is both Chinese and fashionable. Each bank's Yaohong Card has different benefits. Among them, Ping An Bank’s American Express Yaohong Card platform has the most exclusive rights. For example, when cardholders book Hilton designated brand hotels in Greater China, they can get a room type upgrade (depending on the room status on the day) and a 100 yuan dining voucher. They can enjoy a 10% discount on Atlantis Sanya, Mediterranean Hotel You can enjoy 95% discount in the club, 70% discount in selected domestic restaurants (covering more than 50 restaurants in 10 cities), Spartan Warrior racial etiquette, 55 Haitao cashback etiquette, and the exclusive "Supreme Club" in Florence Town. Membership benefits, etc., and no annual fees for life, making people worry-free at home.
History of Express Card Development
1. In 1958, American Express launched its first credit card. With the reputation of a century-old store and a world-renowned brand, Elvis Presley became one of the first cardholders at that time, and many businessmen who traveled frequently became active applicants for the emerging product of American Express cards. When the American Express card was launched, more than 17,000 merchants registered to access the network, especially 150,000 card-holding families and 4,500 member hotels of the American Hotel Alliance, marking that the bank card was finally accepted by the mainstream American business community. In 1966, Express issued its first gold card to meet the higher demands of increasingly sophisticated consumers.
2. In 1984, American Express took the lead in issuing the world’s first platinum card. The card is for invited and selected members only and does not accept outside applications. In addition to the points program and worry-free consumerism, cardholders can also enjoy comprehensive travel service discounts and leisure life discounts, as well as specially designated 24-hour platinum card services to properly arrange various life matters for members.
3. In 1999, American Express selected top customers from among Platinum Card holders and issued Centurion cards to them.
With American Express's most advanced credit card products, you can freely enter top clubs in major cities around the world and enjoy the world's unique top personal services and excellent privileges, including a full range of personal assistants, exclusive special travel benefits, leisure life benefits, banking and investment services as well as comprehensive 24-hour support from banking service experts. Platinum Card and Centurion Card have become the representatives of distinguished cards.
4. With more than 100 years of service quality and innovative business philosophy, American Express maintains its "rich card" image. In the past, American Express has always taken the path of independent card issuance. It wasn't until 1996 that it began opening its network to other financial and card issuers. In 1997, it established the Global Network Services Department (GNs) to allow partners to issue American Express cards, use the American Express network to promote partners' business growth, enhance competitive advantages, increase marginal profits, and improve business integration and management capabilities. To date, GNS has established strategic partnerships with 80 partners in more than 90 countries around the world. There are 28 partners in 17 countries in the Asia-Pacific region, including Industrial and Commercial Bank of China, China CITIC Bank, China Merchants Bank, Bank of Taiwan, Dah Sing Bank of Hong Kong, Development Bank of Singapore, Bank of New Zealand and National Australia Bank.
This concludes the introduction to American Express Credit Card and American Express Credit Card application conditions. Did you find the information you need?