With 2600 For example, the standard platinum card of RMB annual fee , Infinite times PP card , And I infinite times CIP service （ Take people 8 Time ）,8 Second domestic pick-up and 4 The second international transfer , And the benefits of air mileage exchange , Especially for those who love traveling , This credit card is so popular .
For the convenience of their own travel ,2600 I paid the annual fee of $1 6 year , I was in London before 、 In Paris, 、 Tokyo and other cities , They have also used the shuttle service provided by the bank card , It's really great .
Anyway , Who's card is not ？ Of course, choose one with good rights and interests .
But what I didn't expect was ,2020 Since the outbreak of the new epidemic , Many of my friends' overseas travel plans are in trouble . The friends who hold the bank card series are worried about , In this way, the annual fee is paid normally without any deduction , But one year 2/4 Are all the overseas shuttle flights wasted ？
At the beginning of the epidemic, some netizens called industrial bank to inquire , The response from the bank is , Some users can reduce the annual fee .
Not long ago, I called Industrial Bank , Ask about the overseas transfer , After many phone calls , And what you get is ,4 It's an international extension flight 2021 Year of 6 month .
If you don't accept this adjustment , You can choose to pin the card , But if you use any of the rights in the new annual fee cycle , Then the annual fee for the corresponding time will be deducted proportionally .
How to put it? , This adjustment is not unacceptable , After all, we'll give you half a year's delay , It's equivalent to next year 8 The second overseas shuttle can be used , It's also a compromise choice .
But some netizens said , Whether the rights and interests of overseas transfer can be converted into domestic ones , Regarding this , Industrial Bank has a tough customer service attitude , Said on the phone that the business did not offer such a solution , If there is , You can provide them with customer information , They go to check with the business department .
Um. , Users can only choose one of the two options of card cancellation or extension of the shuttle . Even in the current context , Not very supportive of Chinese citizens' outbound travel .
This is not incomprehensible , Under normal circumstances , For Societe Generale , It can save a lot of supplier's expenditure cost to convert the endless international pick-up machines to domestic ones , But at the moment of the current epidemic , The demand for domestic pick-up and take-off machines has increased greatly , If you don't do the conversion , You can save the money .
Have to say , Better buy than sell . Of course, such an equity scheme , It also highlights the Industrial Bank in reducing the cost of credit card equity .
Actually Industrial Bank began to warm the upgrade measures , from 2020 year 7 The month begins . In this year 7 month , Industrial Bank has issued an announcement ：
8 month 27 The date of , Adjust credit card points rules except Airline Co branded cards , Customer points for Airlines （ Air China 、 China Eastern Airlines 、 maritime aviation 、 Xiamen Airlines ） Frequent flyer miles （ integral ） The proportion is adjusted to each 50 Credit card points equal to 1 Air miles （ integral ）.
The discount exchange ratio and limit of some cards are subject to the announcement of each card product , The exchange rate of the part exceeding the preferential exchange limit shall be adjusted to every 50 Credit card points exchange 1 Air miles .
Besides , Cardholders can redeem frequent flyer miles in a single calendar month （ integral ） The total amount of credit card points must not exceed the fixed amount of credit card master card in the name of the customer , If the customer holds more than one card , Then take the fixed amount of the customer's corresponding highest credit card master card .
For example, if your quota is 10 RMB 10,000 yuan , Then you can only exchange it every month 10 10000 points , according to 50：1 The proportion is equal to that of 2000 The mileage .
If the first adjustment is only for the standard proportion of exchange , The second adjustment , It's about high-end cards .
According to the credit card center of Industrial Bank in 11 month 2 The announcement of , from 2021 year 1 month 1 The date of , Two types of platinum cards related to the bank card product line , There will be two major adjustments ：
- Bank card platinum credit card （ The standard version ）（ Including discover new world platinum credit card （ The standard version ）） Annual discount exchange limit for air mileage , Adjust it to 20 Million credit card points .
- Bank card platinum credit card （ You series ）（ Including discover new world platinum credit card （ You series ）） The annual discount exchange limit of point discount for air mileage is adjusted to 10 Million credit card points .
The result of this adjustment is , That is, before the line standard white year can use integral exchange 5 Ten thousand miles , Starting next year, you can only exchange 2.5 ten thousand , You Bai can be exchanged every year 2 Ten thousand miles , I can only exchange it later 1 ten thousand .
Take Air China as an example , The exchange standard in the regular season , One economy class in Beijing , yes 2 Ten thousand miles , If it's the peak season , One way to 4 ten thousand .
Considering that the aviation industry will recover slowly in the past two years , All kinds of Xinxin air tickets may continue to be sold next year , For the two credit cards of industrial bank with rigid annual fee , The right to air mileage , It's basically devalued 50%.
from 2020 Look at the situation in , Almost all banks are combining the power of financial technology in terms of credit cards , Reduce cost and increase efficiency in different degrees , A lot of marketing expenses of business travel are put into daily consumption , For users , It's also a good thing that can be done .