The author began to use credit cards to buy goods.

Co-branded cards are subsidiary products of bank cards issued by commercial banks and for-profit institutions. At present, the most common is the joint debit card, that is, the bank card with joint nature developed on the basis of debit card.

Joint credit card was approved in France on June 65438+10/October 65438 +0, 2007. It is a bank card with company or store and association icons, including Visa, MasterCard and American Express. At present, many enterprises have launched this kind of credit card, such as Fiat, Orange, Air France, and so on.

The operation form of joint credit card is that the card-issuing bank and airlines, telecommunications companies, shopping malls and other profit-making institutions jointly issue cards, and cardholders can enjoy a certain percentage of discounts provided by merchants when spending in these institutions. Now many banks have developed joint credit cards with the larger shopping malls in this city.

The card fee for a joint credit card is generally 19 to 45 euros. Card issuers and their cooperative merchants offer incentives and price reductions to credit card holders. This is a "real" credit card, because it can withdraw cash and pay for goods, which is recognized by all banking networks and businesses. However, it should be noted that this is a loan card. Even if you only use it to withdraw 15 euros or pay 45 euros for gasoline, it is equivalent to using the recovered loan and paying its interest. Therefore, we must be cautious when using this joint credit card, and it is necessary to apply only if it is really a loyal customer of the business.

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Compared with other forms of credit cards, joint credit cards have the following characteristics:

1, and the application requirements are low.

Using the ready-made co-branded card partner database, the number of credit cards issued can be increased rapidly in a short time, and the standards required for applicants are relatively low. For example, the teachers and students of the corresponding school can basically apply for a successful Longka prestigious school card.

2. Co-branded cards can enjoy double discount.

In addition to common functions such as ordinary credit card overdraft and interest-free installment, you can also enjoy similar membership card discounts in joint merchants.

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1, China Construction Bank Longka Automobile Card

Longka car card holders can enjoy a discount of 5.5-7 fold when purchasing auto insurance, and get a traffic accident insurance and refueling discount worth 6.5438 million yuan. However, in order to enjoy these services, the cardholder has to pay the annual 200 yuan fee, and the credit card is only for private car owners, and the automobile exhaust volume must reach 1.6 liter.

2. China Construction Bank Unicom Longka.

China Unicom Longka is a credit card specially designed for high-quality members of China Unicom Customer Club, which integrates financial consumption and telecommunications services. Customers with Unicom Dragon Card can give priority to the products and services of CCB and Unicom; Credit card spending can accumulate points for Unicom products and services or deduct the annual fee of Unicom Dragon Card; Cardholders can also enjoy the Unicom business travel service hotline 10 19 1 national hotel air ticket reservation; In a specific promotion period, Unicom Longka cardholders also enjoy phased additional services and price concessions.

3. Guangdong Development Bank College Student Credit Card

This credit card for college students can be used for basic overdraft consumption and small funds to help students, and can be discounted at special merchants around the campus, such as book bars and computer specialty stores. This kind of credit card is mainly aimed at non-graduate students from freshmen to juniors, with items such as "living expenses standard" and "living expenses supply frequency" as the basic information of income status. The credit line is RMB 1000 for undergraduate students, RMB 3,000 for graduate students and RMB 5,000 for graduate students and above. In particular, it has value-added services such as a small student loan of 5,000 yuan per month, the establishment of college students' credit files and the issuance of personal credit reports. From now on, college students can also use credit to spend.

4. Guangfa Bank Car Rental Credit Card

Guangfa Bank, together with Guangzhou Shouqi Longyaodi Car Rental Company, launched the first domestic car rental credit card "Guangfa Car Rental Link", which can provide services such as free deposit and guarantee for car rental in different places and solve some fundamental problems that restrict car rental consumption. This is a good credit card for people who want to rent a car when traveling abroad.

5. China Merchants Bank Bertelsmann Book Club Credit Card

China Merchants Bank, together with Bertelsmann Book Club and mastercard international, launched the first book club credit card in China. This international standard MasterCard brand co-branded card can create a good credit card payment platform for Bertelsmann members, which is most suitable for Bertelsmann book club members.

6. Parkson Shopping Credit Card

The Parkson Shopping Credit Card jointly launched by China Merchants Bank and China Parkson Group (hereinafter referred to as "Parkson") is both a Parkson Credit Card and a China Merchants Bank Credit Card. You can enjoy the VIP treatment of shopping discount for special merchants of Parkson Store from time to time. At the same time, you can also enjoy the points feedback activities of China Merchants Bank, and exchange the gifts carefully selected by China Merchants Bank for you, so that you can "brush" the fashion taste!

7. Air China bosom friend credit card

China Merchants Bank and China International Airlines jointly issue special credit cards for flights, and you can accumulate mileage by using credit cards on Air China flights (real estate, automobile sales, wholesale and other businesses do not participate in mileage accumulation) or borrowing cash in advance in exchange for preferential air tickets. For spending with this card, every 65,438 RMB +08 RMB or 2 USD, totaling 1 km. In addition, if you use this credit card to buy a plane ticket, you can also get a 2 million yuan gold card and a 500 thousand yuan ordinary card for free aviation accident insurance. ,

8. Star Golf Credit Card

Citic Star Golf Zone Credit Card is the first credit card combining golf in China. This card is the first in China, and it can get the functions of global travel traffic accident insurance of up to 2 million yuan, 24-hour free medical insurance for accidental hospitalization, etc., and sign the appointment service for more than 0 core competitive courses in China and 0/24 courses in China. It can be said that it is a good card for people who like golf.

9, supermarket IC co-branded card

Customers who are used to spending by credit card in the supermarket may have this experience. During the Spring Festival or when the traffic is heavy, bank card transactions are particularly slow and often cannot be swiped. Sometimes, because the line is blocked, the bank card simply "strikes". The supermarket financial IC co-branded card issued by China Bank Zhejiang Branch can avoid the above troubles when shopping. This IC co-branded card can not only be used for shopping at Trust-Mart's membership price, but also enjoy the discount of China Bank Great Wall Card consumption points and participate in various activities. More importantly, it only takes 3 seconds to process each transaction, and the success rate of the transaction is close to 100%, which greatly improves the speed of cashier consumption in supermarkets.

10, QQ member co-branded card

QQ member China Merchants Bank co-branded card is a special credit card service jointly launched by Tencent QQ members and China Merchants Bank. QQ member co-branded card users can enjoy double points by logging into the credit card privileged area and binding the QQ number. Every day, 100 QQ users who successfully bind QQ can get 1 month membership reward. It is also a new cardholder who applies for China Merchants Bank credit card for the first time. After checking the card, he can get a fashionable backpack worth 388 yuan by swiping the card three times, and open the privilege of withdrawing cash free of charge. QQ members enjoy the privilege of withdrawing cash for the first time in China free of charge every month.

QQ member CITIC co-branded credit card is a special credit card service jointly launched by QQ members and CITIC Bank. QQ members can enjoy a series of privileges, such as points privilege, (follow-up) spending privilege, (follow-up) 9 yuan privilege and (follow-up) Platinum privilege. After QQ member co-branded card users log in to the credit card privilege area to bind various privileges, online shopping and credit card swiping can enjoy 3 points calculation, and all transaction points can be calculated up to 5 times in the birthday month. You can print your existing QQ number on the front of the credit card, showing the trend personality, exclusive bonus points, online trading points and so on.

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1, integer

This is a function that almost all co-branded cards have. Merchants who jointly spend credit cards will give corresponding points according to the consumption amount to attract consumers, and specially prepare some very special gifts, stipulating that only consumption points can be collected to attract consumers to shop [1].

2. Discount

This is another major feature of the co-branded card. In order to attract frequent customers, merchants give discounts through co-branded cards. For some designated discounted goods, the merchant stipulates that you can only enjoy the discount with a co-branded card, which is something that you can't enjoy in cash or other ways. Some high-profit shopping malls even stipulate that you can enjoy different discounts as long as you use a co-branded card. For those who want to spend money in the mall anyway, it can be said that it is cheap to get a co-branded card and enjoy the discount service.

3. Value-added

This is the most worthwhile place to make a fuss about co-branded cards. For car buyers, a co-branded card means that you can only enjoy the proper maintenance service with a card, such as the Toyota co-branded card in Japan; For people who buy a house, the co-branded card is a master key of the owner. With the card, not only can the house be discounted, but it can also be used as a door opening card, a parking card, a property card, a friendship card and so on. , such as Vanke co-branded card of a real estate tycoon; For the general shopping mall consumers, the co-branded card may have more humanized service functions, such as the co-branded card of Tesco supermarket, which can take the free bus provided by the supermarket.

The benefits of co-branded cards have been recognized by cardholders, merchants and banks, and more and more projects have been launched one after another. I believe that in the near future, co-branded cards will become more popular and bring more benefits to consumers.