Credit card slang: What do "moving bricks", "wool" and "leg hair" mean?

Like "Zongzi" and "Ghost Blowing Lights" in the notes of grave robbery, the credit card industry also has its own slang. In this issue, Mr. Aika will share these slang words with you.

Basic common words

Brick

"Brick" refers to 11,111 RMB, and "moving bricks" means to deposit money in a bank to get a chance to get a senior debit card or credit card. For example, China Merchants Bank's sunflower card requires moving 51 bricks, which means 511,111 RMB.

The term "brick" comes from the appearance of 11,111 RMB, which looks like a red brick.

Wool

Credit card/bank card points or activities that can obtain benefits/rights, "bonus hunter", that is, the points or benefits/rights are obtained through activities, such as the three-time pick-up and drop-off of Pudong AE, CITIC 9 points rights and so on, can all be called "Wool".

The wool comes from sheep, and the "bonus hunter" usually costs time or money, sometimes it is free, and sometimes it is "caught", which means that the time/money cost is greater than the wool itself.

At present, the concept of "wool" is not limited to banks, but has been extended to hotels and airlines, and there are "small wool" and "big wool".

Longan

initially refers to beautiful female bank tellers, and later refers to tellers in general.

Protection fee

Installment fee or handling fee paid by the cardholder for getting the card and withdrawing the amount.

Little black room

It originally refers to the VIP room of China Merchants Bank, and later it generally refers to the blacklisting of the bank due to cardholder violation, refund and other reasons, such as the little black room of China Merchants Bank (temporary quota cannot be mentioned, etc.) and the little black room of Shanghai Pudong Development Bank (single-digit red envelope), which are divided into short-term and long-term ones.

Card

As the name implies, you can apply for another bank card through the bank card you already have. If you hold PUFA Super White, you can use it as one of the application materials when applying for AE White/Private Bank of China Merchants Bank. Similar to it is the term "matching" of hotel membership card. Holding SPG gold card can match Wanhao gold. Unlike bank card, this "matching" is carried out in different hotel memberships of the same company.

leg hair card

A card that "runs errands" at an ATM and then repays it in exchange for credit card points, such as the "leg hair card" of China Merchants Bank, is free of handling fees for the first cash withdrawal every month-Young card, GQ co-branded card, Weibo Daren card, etc., and a single card can get 111 points every time it takes 2,111 yuan.

China Merchants Bank's "leg hair card" has become a swan song since May this year.

Bank

Xiao Zhao-China Merchants Bank

"Zhao" is sometimes spoofed as "bad behavior".

Auntie Bank-Industrial and Commercial Bank of China

It is said that most of the tellers in other banks are young women, and ICBC takes the Lufthansa route. Most of the older women are tellers, and they are ridiculed as "Auntie Bank", and some card friends call ICBC "Cosmic Bank". This statement is nicknamed "Cosmic Bank" because ICBC once had the highest market value among many banks, and Mr. Aika prefers it.

Abandoned bank-Guangfa Bank

I have to admire the whimsy of the card friends, and combine "Guang" and "Fa" into one, from which the "abandoned bank" came into being.

Mr. Aika thinks that the statement of "nullifying the bank" reflects more that the credit card of Guangfa Bank is not cost-effective, but recently Guangfa Bank has made great efforts, with a potential wool stock.

Monkey Bank-Shanghai Pudong Development Bank

There is no regularity in issuing cards. For example, AE is white, some card friends apply for seconds to pass, while some card friends carry more bricks than n, while other high-end card blessings are rejected by seconds, so card friends call it "monkey" or "monkey bank";

Some card friends said that Pufa was named after a "Great Sage" event, and Mr. Aika preferred the former expression.

Brick bank-Bank of China

gives credit card limits entirely by deposits, so it is gradually called "Brick bank" by everyone.

card organization

international credit card organization, bank card transfer clearing institution, and bank card clearing business refers to clearing funds between multiple banks or institutions (non-financial payment institutions) licensed to engage in financial business during inter-bank transactions of bank cards, and assisting in fund transfer.

at present, there are six major card organizations:

VISAInternational, abbreviated as V

MasterCardInternational, abbreviated as M

AmericaExpress, abbreviated as AE

China UnionPay Co., Ltd., and there is no English abbreviation. . .

Diners Club

JCB Japan International Credit Card Company (JCB)

Others

such as LLJ, TD, TX, Chicken, Chicken, etc. are not mentioned here, as long as you understand.

well, that's all for this issue of the guide to "black words" for novice credit cards, hoping to let more novice cardholders get started quickly.

financial management | bonus hunter-on the choice of credit card rights

premise: this article is suitable for people with low annual income who don't want to open a rigid annual credit card.

there are many different kinds of wool rights. For example:

fitness (five-star hotel fitness, golf-36+1 sports rights of CITIC's high-end cards, etc.)

medical treatment (tooth cleaning (classic white of China Merchants Bank), expert registration, physical examination)

entertainment (movies, tickets for performances)

food (restaurant discount)

shopping (online and offline, at home)

when we use credit cards, we should also think about the intention of banks. Of course they want to make money, and the way to make money is to hope that you can spend more money. The way for us to spend more money is when it is difficult to "go from extravagance to frugality"-when we realize the benefits of consumption upgrading, we will realize that there are still these items that can be bought in buy buy, and then it will get out of hand.

1. save. You know, for most people, the credit card itself can't help you make money. It can basically only make you more affordable when buying rights (usually non-basic expenses). So when you see an interest, first ask yourself whether you need it or not. If you don't need it, just pass.

2. streamline. Because there are so many kinds of different cards, it is particularly easy to forget to repay, especially to forget to collect enough consumption times and be deducted from the annual fee, so that computer records are needed. Therefore, we must first streamline our rights and interests and give up those dispensable rights and interests. Secondly, the number of cards and banks should be streamlined.

3. be diligent. Wool is usually short-lived, so it is necessary to seize the opportunity quickly.

But first we need to tell ourselves that there is no such thing as a free lunch-wool comes from sheep.

with this belief, we will analyze whether we need this kind of rights and interests.

a. If you need this right, you can enter this pit;

B. If you don't need this right, it depends on whether it is easy to grab it. If it's not easy to get it, don't take into the pit. If it's open-ended or very easy to get it-

B1. If this right is easy to transfer and you can make money, you can consider into the pit.

b2. If this right is not easy to transfer, but it is still relatively affordable, and you are willing to enjoy this consumption upgrade, you can take into the pit as appropriate;

b3. If this right is not easy to transfer and the price/performance ratio is not high, it is not necessary to into the pit.

I think to judge whether an interest is worth it, you can roughly estimate how much you are willing to spend on it.

For those who spend too little monthly, there is no way to get too many points without "chicken farm". For them, rights and interests are far more important than points.

for those who don't change mileage, the points are not very valuable. The points are basically around 511-1111:1 to exchange for other things.

if the points are not enough to redeem the annual points fee, it may be necessary to consider canceling the card. That this card may really not be suitable for you? Unless the rights provided here are just needed.

at present, I have: Pudong Development Bank (UnionPay, Youth Card, jcb, visa) and Bank of China (visa and jcb).

my consumption habit: online payment accounts for more than 51%.

The rights and interests I need at present:

Shopping (Haitao, online shopping), medical care (tooth cleaning, registration), food (dinner), car (refueling, car washing).

the visual values are 111, 511, 111 and 311.

Abandoned benefits:

Fitness (no corresponding outlets),

Entertainment (at least not needed this year),

Airport (too few trips and enough jcb).

In view of these items, a few todolist：

Don't surf the sea this year (but learn this skill), first go to the supermarket to buy masks and use up all the cosmetics stocks.

Give up medical rights and interests, and do not apply for China Merchants Bank for the time being.

Pufa cuisine was not covered, and BOC cuisine was not found in time. You should continue to check out BOC cuisine.

car refueling and car washing: the most important thing at present. Ready to start with Minsheng in card+Minsheng fuel card. 1 card in card+2 trucks white. It is not easy for people who can spend 3w every year.

my grass planting card:

1. Minsheng in card+Minsheng gas card. 1 card in card+2 trucks white. Solve the refueling problem.

2.AE is white, and the annual fee is equivalent to 1111. The current god card. Let me see if I should apply.

3. the essence of ABC is white. Ask the local bank how many bricks are needed.

4. My weed-pulling card: Bank of Communications has been completely abolished. Goodbye.

wool that I personally think is worth it

Huaxia Starbucks. Huaxia Puka is fine. Aunt Lan said that all Huaxia cards only have Alipay points. Check what kind of card network pays points.

my wool todo record

before p>1423, I extracted 51 coupons from ICBC before p>1431

This is the 12nd article of Xiao Qingge in 2117

Category: Hobbies

March 23, 2117

Ping An Credit Card Wool Handling Method

Ping An Credit Card.

There are many preferential activities for Ping An Credit Card. At the same time, there will be full coupons for consumption on the e-commerce platform, and you can get wool when you get coupons. At the same time, corresponding activities will be launched on holidays every year. Usually, you only need to pay attention to the event announcement one week before the holiday, get coupons in advance, and enjoy preferential prices before the card coupons expire.

The purpose of credit card activity is to improve the utilization rate of users, so it will provide many corresponding consumption discounts to promote users' consumption. When users enjoy the discounts on wool, the consumption amount will also increase.

credit card bonus hunter raiders: which credit card should be swiped mainly when it is affordable

Nowadays, credit cards are becoming more and more popular. There are many card promotion and credit card promotion in various banks, and small gifts are given from time to time, and even many people rush to get cards with free gifts. It used to be "socialist wool", but now it is "bank wool".

It is relatively simple to use the credit card "bonus hunter" because there are many activities carried out by credit cards. As long as you pay a little attention at ordinary times and choose the appropriate credit card when spending, you can successfully "win" to "wool". For example, netizen CXY1 actually received nearly 11 boxes of milk by swiping Minsheng Credit Card; Netizen "I have a tree of happiness" used the credit card of Shanghai Pudong Development Bank to successfully "grab" a set of Supor cookware; Netizen "byby" used Ping An credit card to get a movie ticket of RMB 11. As a post-81s white-collar worker, Li Si is also a member of the "wool family". Recently, she got a good product-a leisure folding chair that cost over 199 yuan to open a card. "I am an online shopping madman who often sweeps goods in Taobao. A few days ago, my colleagues recommended me to do a BOC Taobao card. I did not hesitate to do one. I didn't expect that they were doing promotional activities and giving away chairs! If it is a newly applied Taobao card, as long as there are three transactions with a single consumption of over 199 yuan in physical merchants or Taobao Mall, or a' easy purchase by stages' business, you can get a folding leisure chair with a value of 111 yuan. It's so cool to' smash' a chair in China Bank so easily! "

At the same time that everyone is busy drying credit cards from "scratch" to "wool", there are also some netizens drying credit cards from "bonus hunter". If you want to use credit cards to "scratch" to "wool", you might as well learn. Saving money starts with "wool" as a credit card.

to understand the true meaning of "wool" as a credit card, you must first choose a reliable and easy-to-use credit card to open up the situation! From the beginning of applying for a card, a credit card can be seen at a glance by being unreliable and not affordable! Don't just stare at some small gifts placed on the clerk's desk. If the bank is willing to give you real money and silver benefits when handling the card, then you will understand you!

Fashionable and convenient online card application is the first choice for more and more new people. Bank of Communications Credit Card has specially launched an online application for credit card, and if it is successful, it will give you 111 yuan to swipe the card. 111 yuan credit card gold, not those piggy banks, chopsticks, lunch boxes and other things can be compared! Besides, you can stay at home, and the card can be mailed to you quickly.

all kinds of dazzling activities are tempting, but in the final analysis, it is most cost-effective to pay less real money! Using the cooperative merchants of Bank of Communications credit cards all over the country, as well as preferential activities such as timely returning the credit card payment in full, can help you save more money. In a word, it is the same harvest, less pay!

A search in official website shows that the cooperative merchants of Bank of Communications Credit Card are all over the country, as well as in the fields of catering, entertainment and leisure. Interested parties can go and see if there are any stores they often visit. If so, we can't miss this opportunity of "bonus hunter"! Because most cooperative merchants can enjoy the exclusive discount of Bank of Communications credit card when spending by credit card.

the iconic preferential activities of Bank of Communications Credit Card. Go to supermarkets, gas stations and other cooperative stores to spend money by credit card every Friday, and when a certain amount is reached, you can return 5% of the credit card payment. This activity is long-term and effective, and it can provide you with such a "bonus hunter" every week to earn credit card payment.

Sun-drying "wool": The landlord and his colleagues often go to a Sichuan restaurant at noon, where they can enjoy a 21% discount, spending about 211 yuan at a time. At a 21% discount, you can save almost 21 yuan at a time. It is common to visit more than a dozen times a month, and now it has won a discount of more than 211 yuan. There is also the most popular Friday, when you go to the supermarket to brush 211 yuan every Friday, you will get 11 yuan in credit card payment.

although the points are only derivatives of the usual credit card consumption, the reuse value behind them is still worth "winning" again. Especially now, in the eyes of merchants, the loyalty of users is becoming more and more important, and when the trick of using the use value of points to lock customers is becoming more and more reliable, everyone can't help but take points seriously-they can "surprise" a lot!

you know this! It is more convenient to use a credit card to go abroad, and now there are still 11 times points, which is hard to find. Sun-drying "wool": In recent two years, the landlord has exchanged credit card points of Bank of Communications for many things, such as lock lock and induction cooker.

no matter which move, if you want to "smash"