In today’s era of diversified consumption, Bank Cards have become an indispensable payment tool in people’s daily lives. It not only provides a convenient payment method, but also brings tangible benefits to cardholders with its rich points system and various preferential activities. However, faced with a wide range of credit card products on the market, how to choose the one that suits them best has made many people feel troubled. This article will provide you with a practical credit card selection guide based on key dimensions such as points rules, preferential rights and interests, and applicable scenarios.
The trade-off between threshold and efficiency
The points earning rules of different Bank Cards vary significantly, which directly affects the speed at which cardholders accumulate points. Some Bank Cards focus on returning points for consumption, and the ratio of consumption amount to points is usually 1:1, that is, 1 point can be obtained for every 1 yuan spent. Whether it is online or offline, domestic or overseas, it can be accumulated steadily, which is suitable for users with frequent daily consumption and diverse scenarios. Some high-end Bank Cards or specific theme cards will give higher multiples of points rewards for specific consumption categories. For example, the points earning ratio of airline co-branded cards can reach 3:1 or even higher in scenarios such as purchasing air tickets, booking hotels, and airport consumption. For “frequent travelers” who often travel and love traveling, they can quickly accumulate a large number of points and exchange them for free tickets, upgraded services and other benefits.
In addition to consumption scenarios, some Bank Cards will also launch limited-time activities such as giving points for full consumption and multiple points for consumption in specific time periods. During e-commerce promotions such as Double Eleven and 618, some Bank Cards will launch 5 times the points activities for online consumption. If you are used to concentrated shopping during the promotion period, choosing this type of credit card will allow you to quickly increase your points reserves while enjoying the fun of shopping. Therefore, when choosing a credit card, you should combine your own consumption habits, analyze the points earning rules of different cards, and choose a card that can quickly accumulate points in your high-frequency consumption scenarios.
When choosing a credit card, be sure to carefully understand the rules for the validity period of points and make your choice based on your consumption frequency and point usage habits. If you consume frequently and can accumulate and use a large number of points in a short period of time, then a card with a shorter validity period may not have much impact; but if you consume relatively little and accumulate points slowly, it is safer to choose a credit card with permanent points or a longer validity period to avoid losses due to expired points.