如何玩转招行信用卡

on 03/14/2013

首先,招行积分不是硬刷出来的,千万别硬刷招行,招行的积分是在实际上没付出或很少付出金钱的情况下,付出劳动,得到的劳动报酬。

其次对于招行来讲,经典白是将这个报酬转换为里程的最低门槛通道,所以如果要玩转招行,生日能力还是要具备的。

本主题一切论述都是建立在生日消费有能力搞定的情况下(各人生日成本不同,能交物业取暖停车费、保养机动车最好不过,归拢近期消费也不错,买购物卡亦可,这就产生了一定成本。这个成本就当买待遇,贵宾厅+体检+挂号+出行保险+精选酒店+高尔夫+V白基本权益,如果自身搞定生日消费的成本高过了权益,那就不建议玩招行了)。

接下来谈工资部分。

招行和其他银行的路数不太一样,以交行为代表的各类高收益卡种考虑的是收益率,是个百分比,花了多少钱,收回多少钱,就好象买理财,用钱赚钱。招行不是这个思路,招行是在给大家……发!工!资!他时不时给你派个活,你干活,他给你工钱……不用花什么钱,干活就行了,是一种获取劳动所得。

切记,他不给你派活的时候,完全不用理他,自己的有积分消费刷各自该刷的行去。招行活动的特点是大部分都能和别家活动区别开,你干这个活并不影响你刷别的卡薅别的毛。

如何干活?和任何工作一样,干活需要有能力,招行需要你有各种花钱的能力,不需要你有钱可花,当你花钱的能力比别人高时,自然就有活可干了。(为什么认识的人网上购物搞不定就找你?搞不定说明他们花钱能力比你低,找你说明你花钱能力高)

例如相当普通的羊毛,出行易三笔2000。漫长的三个月里,替任何人买三次机票即可。几乎是零成本(三个月既不出差,也没机会帮行政买票,又没机会给任何欠缺网购能力的亲戚朋友买机票的情况可能也不适合玩招行,招行玩着就是累,这才叫劳动收入)。

于是你得到了2000分+机票分。折四航里程近3000.折人民币200元。万一飞机延误,乘机人无论是谁,都将得到200块,他们会大赞你机票买的好,以前坐飞机延误从来没得赔。万一自己延误,捞着了。

反观其他银行,买机票别说羊毛,经常没分…………送的保险也不适合任何代购情况。

还比如经典的亚马逊三期分期五倍分,活动时间每期都非常长,你只需专注代购即可,半年多总能捞上几笔,你自己完全零投入,收入=五倍积分,如果你愿意多劳动一下,你还将得到三期里的利息。典型的干活拿工资的路数。

而其他银行,亚马逊基本没毛,只是算有积分消费,基本上京东啊当当啊都没毛,只是有积分消费。

最典型的发工资莫过于当你持有一张“每月免费一次预借现金”的卡的时候。三个前提:招行多卡一账户,预借现金有积分,还款不隔夜无利息。

于是我们每月来大姨妈般精确的挑好日子,带着这个卡,预借现金一次,并当天还款。劳动,然后拿一点分。3125分/卡/年,还真不算蚊子腿嘞…………

还有从前的天天刷也是典型的高劳动、极低投入、高收益,像发工资一般,招行活动的普遍特点。

又想起今年领过我买网一瓶橄榄油,也是投入时间、精力,不花钱来的。

储蓄卡也是如此,比如至今还在延续的iPAD客户端一切转账免费,总是只要我们感到麻烦了,累了,招行就给工钱了。而不需要你存多少钱。

招行不派活给我们,我们自己眼里也没发现活可干的时候,招行就是一张淘宝卡,只有当走快捷支付的时候你想起它就好了,因为别的优秀卡种没几个支付宝给分的。淘宝走一走招行,省得账面看起来像死了一样,银行不高兴。

所以招行适合爱做任务的同学玩……只要经典白批了,对刷卡量没要求,不影响任何别家卡刷卡。

 

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