"Hello, beauty, I want to apply for China Merchants Bank Golden Sunflower Card ......"

Bang!

As He Zilong opened his bag at China Merchants Bank, he revealed the neat bundles of fifty and 100,000 yuan bills inside. The young lady of the staff at the counter of China Merchants Bank glanced at He Zilong on the spot, quickly stood up, and said that she would call the manager over immediately.

Then, several bank security guards on the side, as if they were facing a great enemy, surrounded He Zilong and served as his bodyguards.

Golden Sunflower Card is the first platinum top-level service debit card issued by China Merchants Bank in the Asia-Pacific region. With a number of special functions, it is the first wealth management platinum card in the Asia-Pacific region, with platinum quality of distinguished service, VIP boarding at airports across the country, and free 800 hotline service.

As well as, global consumption cash withdrawal, overseas emergency rescue services, independent selection of personalized card numbers, one-to-one "financial advisory and other services".

The conditions for application are that the assets in all personal accounts of the same branch of China Merchants Bank (referring to the sum of the market value of local and foreign currency fixed-term, current, "bank-securities pass", "bank-based pass", agent insurance, personal gold and certificate treasury bond accounts, stocks, etc.), equivalent to a total of RMB 500,000, can apply for the "Golden Sunflower Card".

The Golden Sunflower Card is a high-end customer card, and the condition is that the average daily assets in the card are more than 500,000. As long as the average daily assets of one month within three months reach the standard, the account management fee of 120 yuan per month will be charged if the standard is not met.

At the same time, it automatically opens the stock trading function and many other functions, and you convert the money into stocks, which is also calculated as the daily average of assets in the bank. Because, China Merchants Bank also has stock securities companies, and they will pull you in as a customer.

Many people may not understand the benefits of personal assets in the bank on a daily basis. That's one of the main criteria to assess whether you are a high-level VIP customer or a high-quality customer.

As long as the operation is good, in fact, in many cases, even if you are not a wealthy person, you can become a senior VIP customer of the bank.

Especially at the beginning of the nineties, when the banking industry began to develop wildly, to develop a large number of customers.

Unlike the four major state-owned banks, China Merchants Bank is a joint-stock commercial bank, and it attaches special importance to customers like He Zilong. Soon the manager trotted down from the fourth floor, brought a few staff members, and invited He Zilong into the VIP customer room.

I opened the wealth management card almost as quickly as possible, and then after asking some information, I also opened other ancillary functions.

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"I bought all the 500,000 financial products, yes, it's this kind of one-year term. Then, with this wealth management product as a guarantee, I borrowed 90% of the funds. Then, I also put on a house in Chalin County, which is the real estate certificate, and my name is on it. Take out a loan of some more funds, and finally apply for an additional diamond credit card, no problem......" He Zilong pointed to a piece of information in the VIP room of the bank and said to the manager.

"Well, if we want to evaluate the property, it's generally fine. He has strong assets at the age of sixteen, which is really amazing. I'll apply to the president and ask him to make a recommendation to the head office, and if it's a platinum credit card, you can reply on the same day. If you have a diamond card, there should be a reply the next day, don't worry......" The manager just thought about it for a moment and answered He Zilong's question.

If you are a layman, you may feel a little incomprehensible about He Zilong's series of routine operations.

Deposit your money in the bank, use it to manage your finances, and then take out a loan of about the same amount, and mortgage the house and lend another sum of money. But you have to pay a sum of interest to the bank, isn't it for nothing?

In fact, He Zilong's purpose is to satisfy himself, and the money can be taken out and used, but his average daily assets in the bank are still more than 500,000. In addition, you can borrow an extra amount of money and apply for a diamond credit card that you can't apply for in small cities.

Credit cards can be divided into ordinary cards, gold cards, platinum cards, premium platinum cards, and diamond cards from low to high.

Generally, only people who have a stable job, a house and a car, or those who have five insurances and one housing fund, as long as they meet one of the conditions, can apply for one. Of course, if you meet all the conditions, the amount in the card will make you smile with satisfaction.

Of course, one of the most important conditions is that you have deposited money in the bank and managed your money. You're a big customer!

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He Zilong's branch in China Merchants Bank CS City, the buttocks in the VIP customer room had not been hot for long, and the tea had just been drunk. After making a phone call, the manager of the president came over, saying that the diamond card must meet the customer's validity period of more than half a year, and it is best to have assets of more than one million, but the upper limit of the platinum credit card can be approved on the spot.

Wealth management to loans, this can also be done immediately, the interest is 6%, and the kind that is paid in a lump sum when due!

"That's okay, that's it, give me the next AE platinum card, the kind of ...... with a limit of 150,000" He Zilong nodded, pretending to be quiet. In fact, before he was reborn, he had only heard of this card, but he had never heard of it. His highest is only a gold card, with a limit of 50,000.

The financial manager on the opposite side nodded, opened the laptop for a meal, and then went back and forth a few times, asked He Zilong to sign some documents, and took pictures. Before the time of lunch, a credit card printed with China UnionPay, pure silver and white, but in the middle was a centurion head, arrived in his hand.

At the same time, there is also an additional debit card, which is a financial loan transferred out. The real estate loan still needs to be reviewed, and it is impossible to get it done on the same day.

China Merchants Bank AE platinum card, the annual fee is indispensable, rigid 3600 oceans, and the next month is charged under the card. One yuan per message counts as one point, 1500 points = 2000 miles (equal to the more points, you can redeem free air tickets, and the bank will issue a certificate, and there is no need to give other ticket certificates to the airport.) Of course, this is useless when you don't need to prove it when you just take a plane in the future)!

At lunchtime, He Zilong, who came out of China Merchants Bank, had an empty schoolbag, but there were a few more bank cards and credit cards.

500,000 yuan, 19% discount to lend out your own 450,000, if the real estate loan is done, it is no problem to borrow about 100,000 yuan. Then, there was another 150,000 direct upper limit platinum card, which even saved the time to raise the card. Thanks to the lack of high-end customers in the 90s, this is the bank releasing water!

450,000 plus 100,000, plus 150,000, yes, if you don't see that you have to pay interest, and part of the money is borrowed, so if you change hands in half a day, 500,000 becomes 700,000!

You think that's the end of it, no, hehe.

The sharp operation has just begun in the heart of He Zilong, who is coquettish and moving. After lunch, He Zilong walked into the "CITIC Industrial Bank" on another street again!

Another wave of pretending to be (forced), the journey of the white wolf with empty gloves, has begun!

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