Catering consumption: China Merchants Bank Credit Card’s “50% off on Wednesdays” eventsupply half-price discounts at cooperating restaurants; Bank of Communications Credit Card’s “Hottest Friday” event supply cashback or discounts at designated catering merchants from Friday to Sunday.
Detriment: Everbright Credit Card cooperates with JD.com platform to launch a gradient discount for digital and home furnishing products (e.g., 150 yuan off for mobile phones over 8,000 yuan), and superimposes the “national subsidy coupon” policy to achieve policy and financial discounts.
Entertainment consumption: China Merchants Bank Credit Card launches the “2 movie tickets 10 yuan off” event on the ticket purchase platform, covering mainstream cinemas.
Airline co-branded card: Suitable for business travelers, consumption points can be exchanged for airline miles to reduce travel costs.
Hotel co-branded card: Cardholders can free upgrades, extra points accumulation and other benefits when hotels, suitable for tourists.
E-commerce platform co-branded card: For example, a credit card launched by a bank in cooperation with a well-known e-commerce company, Detriment on the platform can exclusive discounts, interest-free installments and other benefits.
Time planning and quota management
If the credit card billing date is the 10th of each month and the repayment date is the 30th of each month, users can a maximum interest-free period of 50 days for consumption on the 11th. Users can arrange large-value consumption (such as home appliances and digital products) after the billing date, and use the interest-free period for short-term financial management to maximize financial returns. Users can allocate credit card limits according to consumption scenarios, for example: high-frequency small-value consumption: use Charge Cards with higher point values (such as airline co-branded cards, accumulating 0.5% rebates for every 1 yuan spent); large-value consumption: choose Charge Cards with many interest-free installments and low handling fees; overseas consumption: use Charge Cards with no currency conversion fees or high cash back ratios. Users need to plan their consumption amounts reasonably to avoid high interest rates due to excessive borrowing, and set consumption reminders to prevent overspending.