Chapter 219, Credit Cards
Of course, before buying a house and a car, he has to deal with the bank card first, otherwise, although the money in the bank card has been processed by the Monopoly game, there is no suspicion of black money, but if a large transaction is made, it will also attract some attention and bring a little trouble.
The bank card was issued by the National Savings Bank of Huang Muguo, and he had no intention of changing banks, so he went straight to a nearby branch of the National Savings Bank.
To be precise, with such a large amount of deposits, it is more suitable to go to the branch of the National Savings Bank in Feilong City to handle relevant business, but the branch of the National Savings Bank is near the business circle of Feilong Square in the center of the city.
At this time, it was the rush hour after work, it was not very convenient to take a taxi, and the traffic jam in the city center was very serious.
Don't think about the small branches of banks, which can only handle business of less than 500,000 yuan.
"Welcome! If you need to handle deposits and withdrawals of less than 1,000 yuan, please go to the AMT area, and if you need to handle deposits and withdrawals of more than 1,000 yuan and other services, please go to the numbering machine to get the number with your ID card or bank card. ”
As soon as I entered the tempered glass door of the branch office, a mechanical AI voice sounded.
In this world, where the scientific and technological strength is slightly higher than that of Fang Xiaoyue's original world, AI applications have begun to expand to all walks of life.
Industries like banking, which has always pursued high technology, will not be left behind.
As the welcome sounded, a cylindrical robot with wheels underneath drove towards him.
Then, all he has to do is say AMT or take the number, and the robot will take him to the appropriate location.
After all, not everyone knows how to get to the AMT area or get a number when they get to the bank.
However, in Fang Xiaoyue's opinion, the setting of this robot is not very practical, not to mention the AMT machine, at least the number machine should be synthesized on the robot.
As soon as you enter the door, it is convenient for the robot to give you a number directly, and where to use it, a separate number machine is set up to waste space in the hall.
Of course, his idea may not be correct, after all, other banks also have their own considerations, or do robot manufacturers not want to grab the business of the number machine manufacturer?
"I want to get a VIP credit card."
Fang Xiaoyue doesn't know the credit card level of the bank in this plane, well, to be precise, it should be Li Tairui who doesn't understand this.
After all, as an ordinary white-collar man, it is enough to apply for an ordinary credit card, swipe the card without anything, waive the annual fee, and occasionally overdraft something.
You don't even need the benefits of those premium credit cards.
Of course, the most important thing is that with Li Tairui's assets, even if he wants to apply for a high-end credit card, it is impossible for other banks to approve it!
"Okay, please come with me."
Under the guidance of the robot, Fang Xiaoyue came to the corner of the hall and met the lobby manager of the bank.
Okay, Fang Xiaoyue wanted to complain, but felt that if she didn't speed up the time, it was estimated that she would come in vain today.
"Manager Wang, I want to get a credit card that matches my deposit, I don't know if your authority is enough?"
Fang Xiaoyue looked at the other party's badge and took out the bank card given by the Monopoly game with a smile.
That Manager Wang obviously felt that Fang Xiaoyue was pretending to be X.
As a lobby manager, he has seen too many people.
There are tens of thousands of yuan on his body, and it is not for nothing that people come here to pretend to be 100,000 yuan.
The question is, isn't it fragrant for your tens of thousands of yuan, 100,000 yuan to get an ordinary credit card with an annual fee of 100 yuan and no annual fee if you swipe it casually?
Isn't it necessary to apply for the kind of credit card that is not beneficial and has an annual fee of several thousand?
However, as a lobby manager, it is impossible for Manager Wang to refuse such a request.
However, he had to check the balance in the other party's account before he could determine which credit card level the other party met the requirements.
There are three levels of credit cards that can be processed by the lobby manager.
The most common ordinary credit card, with an annual fee of 100 yuan, according to the customer's conditions, can enjoy the initial overdraft limit of 3000-5000, the maximum upgrade to the overdraft limit of 50000, and enjoy some preferential activities of bank cooperative merchants, such as supermarket activities, random deduction of 1-5 yuan for consumption of 100 yuan and other activities.
Silver card, with an annual fee of 1,000 yuan, enjoy an overdraft limit of 12,000-20,000 yuan, upgrade to an overdraft limit of 200,000 yuan, and enjoy some preferential activities of bank cooperative merchants.
Gold card, with an annual fee of 3,000 yuan, enjoys an overdraft limit of 50,000-200,000 yuan, and a maximum upgrade to 500,000 overdraft limit, as well as some advanced preferential activities of bank cooperative merchants.
Theoretically, if you deposit 100,000 yuan in the National Savings Bank, you can get a gold card, so as to enjoy a series of high-level preferential activities such as bullet trains, airplanes, hotels and so on.
In terms of rights, if you can participate in all the premium discount activities, your annual fee of 3,000 yuan will not only be saved, but you will also be able to earn thousands of yuan a year.
Of course, if you participate in all the premium promotions, the money consumed is not what you can afford to pay for the 100,000 yuan.
Everything is wool out of sheep, and no one will do a good thing that just loses money and has no profit.
Manager Wang first asked Fang Xiaoyue to sit down on the chair next to him, and then went to the water dispenser to fill a glass of water.
It's a service in place.
Then he inserted the bank card into the machine, asked Fang Xiaoyue to enter the password, and verified the balance in the bank card.
He looked at the string of zeros on the balance, and wondered if he hadn't slept well in the afternoon before, which led to a lack of energy and hallucinations at work.
But as the lobby manager who was finally promoted from the teller, Manager Wang's will was still not so easy to be defeated.
He rubbed his face slightly, and showed eight teeth towards Fang Xiaoyue, a more respectful standard smile: "Mr. Fang, the amount of your deposit in our bank needs more senior management personnel of our bank to serve you, please wait for a while." ”
After speaking, Manager Wang carefully returned the bank card to Fang Xiaoyue, and then got up and hurried towards the manager's office.
This manager's room is naturally not the lobby manager's manager's office, but the office of Manager Qian, the top person in charge of the branch office.
Soon, Manager Qian pushed the door out, Manager Wang followed behind him, and the two walked quickly to Fang Xiaoyue.
This money manager already has enough permission to view Fang Xiaoyue's deposit, so he doesn't need to verify Fang Xiaoyue's net worth.
However, Manager Qian also expressed his regret to Fang Xiaoyue, because the deposit of up to 4.9 billion yuan is enough to apply for the highest level credit card of the National Savings Bank - the National Savings Black Titanium Card.
And Manager Qian does not have the authority to apply for the National Savings Black Titanium Card here, so he needs Fang Xiaoyue to go to the branch in the city center to handle it.