不吹不黑，我们来聊聊招商银行信用卡和比特币吧...

之前持续写了十几篇常旅客系列下面关于信用卡方面的文章，因为你没有信用卡这个支付工具的帮助，玩常旅客真的是门外汉级别呀。

More than a dozen articles have been written on credit cards under the regular passenger series, because you don't have credit cards as a payment tool.

而今天，星佳来和大家聊聊招商银行，同时穿插普及一些比特币方面的相关知识...

And today, Hsing Chia comes to talk to you about recruiting banks, and at the same time, we have some knowledge of bitcoin...

1. 第一张卡，为了SPG一夜升金

之前看过星佳文章的朋友应该知道，在当年没有玩转常旅客的时候，申请信用卡只知道看额度，根本不懂权益和附带的活动，而经过多少个日夜的自学和实操之后，应该比大部分普通人对于信用卡的理解深了一个层次，由此也写出来了几篇算比较多阅读量的文章，比如这几篇：

A friend who had read Stargae's article before should have known that, when there were no regular visitors in the year, applying for a credit card only knew how much to read, did not know about rights and side events, and after how many days and nights of self-learning and physical exercise, it was better than most ordinary people's understanding of credit cards, and as a result several more readable articles were written, such as these:

说说这些年我的信用卡使用心得....

Tell me about my credit card use all these years.

AE白隐藏权益，肉测深圳宝安机场贵宾楼CIP服务

"AE hides its interests in white, and the CIP service of the VIP building at Shenzhen Po An Airport

等等，更多的相关文章请关注公众号后点击菜单即可查阅：

For more relevant articles, please click on the menu after the public number:

至于还不知道SPG一夜升金是什么，为何第一张卡星佳会申请万事达World卡的朋友，还是老老实实去看看之前写的文章哈，既然星佳都整理好了你还不去好好看看，真的是天上掉馅饼也砸不到你的嘴里了，比如这篇：

As for the one-night rise in SPG, why would the first Katsinga apply for WorldCard, or take a good look at the article you wrote earlier?

酒店新手入门必看｜SPG一夜升金和万豪白挑最全攻略

The newcomers at the hotel will be looking at the one-night rise in SPG and the one-year-old pick-up.

教你SPG如何一夜升金，配合住三付二和买分，匹配万豪金和飞猪金？

I'll teach you how the SPG will raise the money overnight, together with three twos and a score, match the millionaire and the flying pig?

一般来说，能让资深的招行持卡客户来邀请你办理是最好的，额度和下卡的概率会比较高，麻烦一点的是第一次一般都得持本人有效证件去营业网点面签，不过之后就不会如此麻烦了，接下来我们就来说说『推荐办卡』这个事情...

In general, it's best to have a senior hiring card client to invite you to do it, with a higher probability of a credit card and a lower card. The trouble is that for the first time, you usually have to have a valid ID to sign on the network, but then it won't be so much trouble. And then we'll say, "Recommend card."

2. 吐槽一下招行的推荐办卡

2.

因为信用卡给银行带来了巨大的收入，至于为何以后有时间再说，那我们来看看招行的『推荐办卡』流程有多麻烦，其他银行比如浦发，不仅可以推荐新户，也可以推荐持卡老用户自助申卡（比如身边很多朋友通过星佳的浦发二维码成功下到了浦发AE，家人已经人手一卡了），甚至可以方便的在APP里查询你推荐了多少人，达标了多少人等数据，真的是很方便很实用，我们再来看看招行是怎么做的...

Since credit cards bring a lot of money to the bank, let's see how much trouble it's going to be with the recommended card process. Other banks, such as Pouphu, can recommend not only new customers, but also self-service cards for old-school users.

可爱的小昭的推荐办卡的流程是这样的：

Here's how the lovely little Chi-chung recommended the card:

①星佳只能推荐没有招行卡的朋友，也就是说招行只支持推荐从未持有招行个人信用卡的新用户

1 sung-ja can only recommend a friend without a card, which means he can only recommend a new user who has never held a personal credit card.

②好不容易找了个星佳的朋友从来没有开过招行的卡，于是星佳不得不问新户朋友得到如下这些信息，得星佳亲自填写如下信息才能提交推荐，如下：

After finding a friend who had never opened a card, she had to ask her new friend for the following information, which she had to fill out in person before submitting the recommendation, as follows:

对了，公司名称不能超过15个字，曾经移动的同事呆的公司完全没办法在15个字之内写完公司名称。

By the way, the name of the company cannot exceed 15 words, and the company of formerly moving colleagues is simply unable to complete the name of the company within 15 words.

强烈吐槽，这种非主流体验呀，我们接着说...

It's an unmainstream experience. Let's go on to say...

③注意看截图，有个『不知道推荐谁，快点击这里』的提醒，拥有这么多家信用卡的星佳就诧异了，居然可以直接查看通讯录里的所有好友到底是不是招行客户，因为系统通过电话号码直接可以显示你的通讯录里的好久哪些属于新户可以直接邀请，看下面的截图：

Look at the screenshot, a reminder, 'Don't know who to recommend, click here', and it's amazing that a star who has so many credit cards has a direct view of whether or not all of your friends in the directory are recruiters, because the system can show by phone the long time you've got a new account to invite. See the screenshot below:

如果利用『社会工程学』和一些基础黑客知识，星佳如果稍微昧着良心去黑一个人，信用卡被盗刷了自己都不知道，至于怎么弄就不说了，也得看运气。

If you take advantage of `social engineering' and some basic hacking knowledge, if Shing Chia has a bit of a conscience to hack a person, and the credit card has been stolen and you don't know it, you'll have to stop talking about it and you'll have to count on luck.

④好不容易，写了一堆文章，找了相信信用卡是个好工具的朋友给了你信用来下卡，偏偏招行还没有给星佳提供可以查询推荐记录和数据的后台，唯一的办法只能去骚扰客服，这点小事情电话里也说不清，还好招行的官方微信体验是真心很棒，比如这样勾搭小妹：

It's hard to write a bunch of articles, get credit cards from friends who believe credit cards are a good tool, get backstages where Hsinga can access recommended records and data, the only way to do this is to harass a customer's service.

而看看浦发信用卡是如何做的，完全自助查询：

And look at how Poopa credit cards are made, totally self-help:

⑤渣IT带来的系统数据延迟可以理解，只是希望可以学习其他股份制银行，除了服务优质之外，能在这些细节上再完善下，老实说，这个『推荐办卡』真心有点反人类啊...

The delay in data on the system caused by Slut IT is understandable, but it is only to be able to learn from other equity banks that, in addition to the quality of their services, can be refined in these details. To be honest, this "Recommend card" is really a bit anti-human...

3.对招行信用卡的一点个人想法

3. A little personal thoughts on the use of credit cards

关于招行卡的传说网络上太多了，但是小昭和猴子行浦发在高端白金卡上的下卡过程可就有章可循的多了，要么你老老实实存钱给你下招行白金，要么你老老实实从普通金卡开始多多用卡，额度到了六万之后可以自助申请招行白金，而猴子行的故事太多，请参考之前的文章。

There are too many rumours about the cards, but there are a lot more rules to govern the process of getting platinum cards on the high-end platinum cards, either you keep the money, or you start platinum with regular cards, you can apply for platinum for self-help after 60,000, and monkeys have too many stories to tell.

所以从高端白金卡下卡的标准来看，招行并没有那么的水，也能给持卡人很足的权益和活动，比如周三无卡支付日，生日十倍积分，贵宾厅CIP等，而作为圈内硬通货的『招行积分』也是目前唯一可以直接换SPG酒店积分的信用卡，随着万豪收购SPG之后的合并，17年对于招行高端持卡人来说，如果你是忠实的万豪屋粉丝，那么招行经典白，AE和钻石卡就是必备的了。

So, according to the standard for high-end platinum cards, recruitment is not as watery as it is for cardholders as well as for rights and activities such as Wednesday's unpaid day, 10 points for birthdays, CIPs for VIPs, etc., and the only credit card that can be traded directly for SPGs as hard currency in the ring is now the AE and Diamond Cards, for 17 years for high-end card holders, if you are a loyal millionaire fan.

众所周知，招行的金葵花厅和电话客服也是备受卡友们喜爱的，甚至某些分行的理财经理会把达标的金葵花客户拉一个微信群，定期推荐一些理财产品或者招行的活动什么的，当然除了诱惑你买理财外，这个理财经理的微信个人客服偶尔咨询下招行的问题还是不错的，起码比电话高效，点名表扬下银川宝湖路支行的工作人员哈。

It is well known that the gold sunflower halls and telephones used are also popular with friends, and that even some branch financial managers will draw up a collection of fulfilled customers of gold sunflowers and regularly recommend items of property or recruitment activities. In addition to enticing you to buy money, it is certainly good that the financial manager's microscopic personal service occasionally consults questions of recruitment, at least more efficient than telephone calls, and name the staff members of the Silver Treasure Lake Road branch.

最后星佳为了达标新户推荐的任务，统一回答下各位的几个问题：

Finally, for the purpose of fulfilling the recommended tasks of the target newcomers, Hsinga responded in a single manner to a few questions from each of you:

①问：能下多少额度的？是不是从你这申请肯定能下卡呢？

Question 1: How much can I put down? Is it certain that you can put a card down on your application?

答：任何人给你说保证下卡的肯定是骗子，当然不排除你压根不懂信用卡的权益和活动，只是为了卡里的额度而已，那么不管第三方机构协助还是你自己去办卡，那么能不能下卡其实都是银行的审核系统说了算，没有任何靠谱的人敢给你打包票说肯定能下，额度至少10万（当然，不排除某些支行放水，比如星佳只是有个工行的储蓄卡，但第一张工行信用卡就下了JCB白金的套卡，还给免了首年的年费）。

A: Anyone who gives you a guarantee that the card is a fraud, does not exclude that you do not understand the rights and activities of a credit card, but merely the size of a credit card. Whether a third-party agency helps or you do the card, it is in the bank's audit system that the credit card can be paid, and no one who can give you a ticket must have at least 100,000 (not including, of course, that some branches, such as Shingja, have a savings card, but the first trade card has a JCB platinum card and is free of the first year's annual fee).

②问：招行哪张卡好呀，推荐下呗？

Question 2: Which card do you recommend?

答：肯定是高端白金卡最好了，就那么三张经典白，AE和钻石卡，而且后两张可是下卡就收3600元的刚性年费吓跑了多少卡友，问题是除非你搬砖足够多足够久，刚上来新户下白金是真的痴人说梦。

Answer: The high-end platinum card must be the best, with three classic whites, AEs and diamond cards, and the last two of them, with $3,600 worth of fresh annual fees, scares off friends. The problem is that unless you move bricks long enough, the platinum in the new house is a real dream.

所以老老实实的听星佳的建议，要么下招行万事达World卡搞定SPG一夜升金来入门常旅客的世界，要么下免年费的招行JCB白金起码有个国内金色世纪贵宾厅的待遇，虽然不如龙腾，PP和航司的好，但起码有个沙发，有无限量的零食和饮料陪着你等飞机吧。

So listen honestly to Hsing's suggestion, either recruits the WorldCard to fix the world of SPG overnight upgrades to regular visitors, or offers an annual fee-free JCB Platinum to at least have a domestic golden-century VIP room, which is not as good as Longing, PP and Airflake, but at least a sofa, with an unlimited amount of snacks and drinks to accompany you on the plane.

如果你不知道JCB是什么，请先看看：

If you don't know what JCB is, look first:

普通人都应该懂的信用卡常识

A common knowledge of credit cards that ordinary people should understand.

③问：你为何这么热心普及信用卡知识，还花时间帮招行推信用卡呢？

Question 3: Why are you so eager to spread credit card knowledge and take time to get credit cards?

答：星佳也不是做慈善，肯定是想图名也想图利呀，现在后台部分订阅号之前是因为新媒体或者虚拟现实订阅的，之后通过持续一段时间的学习发现原来信用卡还可以这么玩，岂不是星佳就成为了他们都说的『很厉害的人』！

Answer: Hsingja is not a charity, he must want a name and a profit. Now that the backstage subscriptions have been made because of the new media or virtual reality, and he learns over a period of time that the original credit card can still play like this, Hsinga has become what they all say is "very powerful."

除此之外，星佳缺钱了之后就想通过各种办法赚钱，于是曾经看不上的流量主广告也开通了，就是下面这个看完文章可以顺便一点，之后星佳就能得到几分钱的文章后部的广告，看图：

In addition to this, Hsing Jia tried to make money by a variety of means, and the traffic master's ads, which were never seen, were opened. The following article can be read in passing, and Hsing Jia can get a few cents of the post's poster.

说回推荐办卡，星佳作为推荐人是为了得到招行的积分，而作为被推荐人其实也不亏，除了能更大概率的顺利下卡之外，还有开卡礼哦，可能大多数朋友第一张信用卡激活之后都没有留意过『开卡礼』这个东西，那你真的损失了几个亿，银行会被新户达标之后给予的奖励就是开卡礼，比如曾经招行送星佳价值500多的新秀丽的包，亲... 白送的哦...

You've lost hundreds of millions of dollars since the first credit card was activated.

而作为被推荐人，你还有如下的好处：

And as a referee, you have the following benefits:

岂不是名利双收吗？

Isn't that a double gain?

之后你成功下了卡，而且又学习到了应该如何利用好你手上的这张卡，你吃亏了吗？

And then you made it, and you learned how to use the card in your hand. Did you lose it?

那你说是不是银行吃亏了？

Do you think the bank's lost it?

No，你太天真了，只要你去用信用卡，银行和卡组织就躺着赚钱，最终剥削的还是普通消费者（因为100元的服务，商家只能拿到94元，所以无商不奸的生意人不得不提高服务价格，所以买单的还不是普通消费者咯，所谓的普通消费者就是压根不懂信用卡，只知道额度一个属性的芸芸众生）。

No, you're naive. As long as you use a credit card, banks and card organizations are lying there to make money, and eventually they exploit ordinary consumers (since 100 dollars of services, businesses only get $94, so business people have to raise the price of their services, so it's not just ordinary consumers, the so-called ordinary consumers simply don't know the credit card, and they know only what it is.

所以聊点题外话，作为其实混科技圈的星佳抱着打抱不平的理想，凭什么臃肿的银行和垄断的卡组织就能躺着赚钱呢？于是，基于区块链技术的比特币出现了，只要消费者和提供服务的商家认可『比特币』的价值，那么这种交易再没有卡组织和银行什么事了，手续费，隐匿性要远远的甩银行几条街....

So, to talk about it, what kind of swollen banks and monopolistic card organizations can make money by being a star in a real tech world? So, when bitcoin based on block-chain technology emerges, as long as consumers and service providers accept the value of Bitcoin, there's no more card organizations and banks, no more charges, no more bank, no more money, no more money, no more money, no more money, no more money, no more money, no more money, no more money, no more money, no more money, no more money, no more money, no more money, no more money, no more money, no more money, no more money, no more money, no more money, no more money, no more money, no more money, no more money, no more money, no more money, no more money, no more money, no more money.

用一句时髦的话结束今天的文章：

To end today's article with a stylish phrase:

比特币将打破任何政府的资本管制，在人类历史上第一次用技术手段保证私有财产神圣不可侵犯...

Bitcoin will break any government's capital controls and, for the first time in human history, use technology to secure the sanctity of private property...

如果你想了解区块链，比特币的相关知识，可以关注星佳的公众号和微博@星佳是个小人物，看看之前写的文章哈，同时欢迎留言...

If you want to know about block chains, bitcoin's knowledge, you can focus on Stargauge's public and Weibo @Sungja's a small man, look at the article you wrote earlier, and welcome the message...

投资比特币，区块链，虚拟货币之前最好看看这篇文章...

I invested in bitcoin, block chains, virtual currency better look at this article...

微信:xingjia10086

Micromail: xingjia10086

微博:@星佳是个小人物

Weibo: @Sungja is a small man.

对了，需要下卡记得勾搭星佳哈，^_^....(或者顺便点下广告哦)

By the way, if you need a card, you'll have to hook up with Starga-ha.