Chapter 377 No Way, Come Again?

[Chen Xi, 24 years old, appearance 95, body 96, special 94]

Taken individually, everything is not top-notch.

But her dignified temperament coupled with her domineering figure can easily make men have a desire to conquer.

Let’s be clearer…

I want to see what her expression looks like in an extreme state.

Stop here, let’s just leave it at that whether you understand it or not.

…

"Leader, the tea is ready."

Chen Xi's Mandarin pronunciation is a bit euphemistic as Wu Nong's soft language, but his words are surprisingly few.

"Okay, come on, Mr. Wang, try my treasured Tongmu Guan Jin Junmei!"

Chu Hong walked towards the tea table as if he was offering a treasure. When Wang Yan sat down, he waved his hand: "Xiao Chen, pour some tea!"

The tea table was very short. Chen Xi was half squatting and half kneeling on the side, washing the cup and pouring tea for Wang Yan.

In the summer, this would be a very tempting position.

Now she was wearing a winter uniform, long trousers, a thick vest, and a white shirt. She couldn't see any scenery.

Young Master Wang glanced at her briefly and stopped paying attention to her.

Someone else's secretary, what are you staring at?

It’s like I’ve never seen a woman before…

Until this moment, Wang Yan still didn't realize the reason why Chen Xi appeared in front of him.

Chu Hongxiao is the fourth-level leader of Minsheng Bank. It is so normal to have a beautiful secretary that it is not worth making a fuss about.

Young Master Wang is smart, but after all, he is a bit green and has too little experience.

Therefore, he did not expect that when he was thinking about Chu Hong's routine, Chu Hong had the same idea, and he started with a big move.

…

Taking a sip of tea, Wang Yan was polite but not very interested.

How can a cold-blooded young man be moved by the other party's mere attempts to please him despite his full acting skills?

Neither hot nor cold is the core style of play today.

Chu Hong was pragmatic and tactful. Realizing that Wang Yan was not very interested, Chu Hong did not talk more about how precious and rare those few taels of tea were and went directly to the topic.

"Young Master Wang, you are busy with things. I don't want to delay too much. Come on, please sign your name, and then we will check the design of the card. We will look at whether it is easy to use or not later. In short, the style and unique sense of nobility, Lao Chu I promise to do my best for you!”

Young Master Wang doesn't know much about credit cards, so he doesn't know how hard Chu Hong works.

There was no way that Chu Hong was wasting his efforts in vain. As if chatting, he began to educate Wang Yan about credit card related knowledge.

Young Master Wang thought he had gained some knowledge and listened with great interest.

To put it simply, UnionPay Diamond Card is currently a high-end mainstream card type of major commercial banks, basically corresponding to the top one thousandth of the population.

Minsheng Bank’s Diamond Card is one of the most valuable cards in UnionPay.

Further up, there is the top slot of normal credit cards - unlimited cards.

The biggest difference between top-level and non-top-level cards is that you can actively apply for diamond cards, while unlimited cards can only be applied for by invitation.

Therefore, there are no specific conditions for applying for an unlimited card, and the thresholds are all invisible.

Of course, in fact, today’s unlimited cards are becoming less and less mysterious. You can apply if you have enough assets. If you don’t apply, the customer service staff of the private banking department you are familiar with will encourage you to apply.

However, the unlimited card is still a "normal credit card", and its limit is not only limited, but also not very high.

The truly unlimited card is the American Express Centurion Black Gold, which is a charge card with unlimited credit but cannot be installmentd, and full repayment is required within 30 days.

Domestic unlimited cards are still credit cards with fixed limits and are governed by domestic financial laws.

Then, among domestic unlimited cards with limited limits, there are differences that are not clearly written out.

Every infinite card is essentially a piece of cake.

The quotas of Wang Siming and Jack Ma are definitely different - well, Wang Siming's quota is higher.

Because Dad Ma doesn’t use a credit card and can spend money wherever he goes, he will also develop a face-to-face payment function in the future so that he can go downstairs to buy cigarettes... It’s funny to do it manually.

Back to topic.

Ordinary card-applying customers should not think about comparing card limits with Wang Siming. They only have two cards. The foreign American Express has unlimited black gold, and the domestic ICBC Centurion black gold has the maximum limit.

What is the limit of a normal unlimited card?

Between 1 million and 5 million.

In fact, the four major banks in China do not issue large credit cards. ICBC and American Express have cooperated for more than ten years and only issued less than 18,000 ICBC Centurion Black Gold cards. However, they used their names to issue N times as many ICBC Centurion Platinum cards. .

One is white and the other is black, with a limit difference of at least 20 times. They are completely two types of cards.

Although in name they are all authorized cards of the American Express Card Organization, in terms of rights and benefits, ICBC takes advantage.

Even if it is a real black gold card, the limit and benefits are very different.

Wang Siming's ICBC black gold limit is the maximum amount of 10 million.

The "People's Livelihood Centurion Titanium Card" issued by Chu Hong to Wang Yan has an estimated limit of 20 million.

It's because the universe is so awesome that it doesn't give anyone an unusually high amount, not because Wang Yan is better than Wang Gongzi.

And the most outrageous thing is that the card Chu Hong is about to issue is actually the same as the "ICBC Centurion Platinum", selling dog meat with a sheep's head.

Since China prohibits foreign card organizations from issuing cards in the country, American Express Centurion's issuance form in the country is authorization.

A total of three banks are authorized: ICBC, China Merchants Bank, and Minsheng Banking Corporation.

The full name of Minsheng’s American Express Card is “Minsheng American Express Centurion Black Gold Card”, and its design is the classic American Express Black Gold.

A fair evaluation, Chu Hong’s own statement is: Due to performance pressure, he has issued a bit too much recently, and the rights and interests are not very matching...

So tactful.

When he heard that there was a limit of more than 800,000 yuan, and the annual fee was 40% off, Mr. Wang immediately understood: LowB card.

The credit limit is not high, the benefits are not good, and no one may recognize the pretentiousness. The most annoying thing is that there are very few scenarios where the card can be swiped, and no one wants it without a discount on the annual fee. What is it if it is not a LowB card?

And the titanium black made by Minsheng Hanging Sheep Head is a strange privately customized card.

The credit limit is single batch, the rights and interests are negotiable, the card surface design is optional, and the signature is embossed on the back...

The annual fee is just too expensive.

In a sense, it is more like an upgraded version of private banking services.

While chatting, Chu Hong took the opportunity to criticize CMB’s AE Black.

"China Merchants Bank is even more shameless when it comes to issuing cards. The annual fee is twice as cheap as ours, 18,000 a year. Then the private banking department caught someone trying to trick someone. In order to complete the card issuance task, the sales department below actually paid the annual fee for customers in private, which cost Don’t you have the face? Heika’s reputation was ruined by those mentally retarded people…”

Wang Yan thought to himself: You people don’t have much shame in people’s livelihood...

However, China Merchants Bank is indeed a bit shameful. Plastic cards are not as high-quality as Minsheng’s titanium material, and they are still being handed out everywhere...

I definitely won’t do it anyway.

Chu Hong's hard work was not in vain. He took advantage of the situation and gave a cruel blow to his friend, which immediately made Mr. Wang feel a little bad about China Merchants Bank.

The small talk just now seemed of no use, but it was actually very helpful for Wang Yan's vision.

In the future, if you look at who has taken out what credit card, you can probably tell the level of that person with a quick glance.

The black gold of ICBC, Niubi, should basically be senior executives of state-owned enterprises, executives of large private companies, and top second-generation rich people.

China Merchants Bank’s black card is just so-so, the black card that is easiest for people with a good reputation to get.

Bank of China has unlimited funds and can exchange deposits for quotas. All those who can get it are those who have spare money.

People's livelihood is black money, they have small assets, and they are habitual offenders.

People's Livelihood Air China is unlimited, a business travel expert, conquering the south and the north.

People's livelihood titanium gold, inexplicably, will be ruined sooner or later.

Really, Wang Yan suddenly felt that this broken card was deceptive garbage.

The rights and interests are basically bullshit, and then I use someone else’s personal secretary as American Express, and receive an annual fee of 200,000+, so don’t be shy!

What is the concept of annual fee of 200,000?

If the equity value can be earned back, the card limit is an interest-free loan.

If the benefits are not enough and cannot be used, the card limit will be charged with interest, and it is not low.

It goes against the young master’s original intention of applying for the card.

While weighing whether it was worth it, Chu Hong laughed and talked about the last benefit of the card.

"Chen Xi is an excellent employee of the private banking department. He will be your personal concierge from now on. If you need anything from now on, Mr. Wang, please feel free to ask Chen Xi to handle it..."

Mr. Wang lowered his head calmly: "Where should I sign?"

Well, after careful calculation, the equity is worth 100,000, which is not a loss.

Of course it has nothing to do with Chen Xi.

The main thing is, you’ve come here, if you don’t take something with you, how can you balance the time cost?

You have to think carefully...

Chu Hong was overjoyed and winked at Chen Xi, gesturing for her to answer.

Chen Xi explained with a smile: "You can just sign on the note. You can sign two more and choose the one you like the most, or we can help you design the font..."

Before he finished speaking, Wang Yan had already stopped writing.

The font is Xingkai, the word "Wang" is written wildly and wantonly, and the words are straight and dignified.

Flowing clouds and flowing water, unrestrained and freehand, showing the style of everyone.

Chen Xi's beautiful eyes lit up and she sincerely praised: "Young Master Wang, your handwriting is so beautiful."

If you can speak, speak more. Don't always cherish words like gold!

Chu Hong will never cherish words like gold, and he will just slap on the flattery.

"You can tell from this word how good your tutor is, Mr. Wang. Oh, you calligraphers! Your cards will be very beautiful when they are made. When you take them out, they will definitely be the center of attention. Their style is extraordinary..."

Young Master Wang smiled slightly, hiding his merit and fame.

"No one knows me, so there's no point in making it too fancy. Next, you have to choose the card face, right?"

It's easy to hide when it's overt, but hard to guard against when it's dark, it's Commander Wang's.

Chen Xi had never spoken much before, but now he has begun to step into the role of personal secretary and take over communication responsibilities.

"You can take a look at the pattern and make suggestions for modifications."

There are dozens of card surface designs, but of course, the tone is always black.

Wang Yan didn't pay much attention to this. It was just a gimmick, so there was no need to care too much.

If you are a powerful person, you will not use a credit card to show off. Driving a magic car is better than anything else.

"It's up to you, I don't care."

Such an indifferent attitude made Mr. Wang's character even higher.

Next, Wang Yan didn't care too much about the optional benefits.

For people who can easily spend tens of millions, the so-called rights and interests of a mere ten or two hundred thousand are really not worth mentioning.

People at that level have no shortage of benefits such as airport VIPs, hotel VIPs, fitness and medical care, and what they have will only be better than what banks provide.

So Wang Yan casually selected the membership benefits of Shangri-La Group and Ritz-Carlton, and ignored the others.

"You decide on the rest, I won't need it anyway."

Chu Hong has seen all kinds of customers. Wang Yan is not the first one to be so calm and casual, but he is the youngest among them.

Chen Xi was different. Not long after he started working, he felt his eyes were opened.

He suppressed his excitement and asked for advice: "Then I will communicate with the relevant departments again and report the specific situation to you later?"

Young Master Wang really didn't want to look at it and shook his head.

"You decide, just treat it as your first test."

Chen Xi was a little confused.

No, why are you testing me? !

In fact, Wang Yan was just joking, but Chu Hong put on an official air: "Do it well and don't live up to Mr. Wang's expectations! Your job is to serve Mr. Wang well!"

The young master suddenly felt that the fat man's appearance was inexplicably familiar.

Like who?

I thought about it carefully, and suddenly I thought of having wealth, and my heart skipped a beat.

hiss……

No way? !

Come again? !

Recently, I have to take medicine while sleeping. If I talk about it too much, it seems like I’m selling out. I won’t talk about it anymore. There are not many updates but they are not interrupted. Once the adjustments are made, they will explode.