My rebirth is different

Chapter 607 Young People's First Credit Card
Three days after Mei Muzi jumped to Sina Blog, Cai Congxin finally asked about it at the Facebook executive meeting.

"Is there any influence after Mikiko leaves?"

"I can't see that our daily active users are still stable, and the growth of new users is still not slowing down. But... Sina Blog's growth momentum is quite strong. It seems that over ten million new users have been added in the past three days." Operation Director's report.

Cai Congxin's expression remained the same, but he just nodded slightly, and said, "Don't worry about it, Sina blog is very aggressive these days, people have spent so much money and resources on it, and the growth of new users is normal."

"Then why don't we do anything? Seeing them hype and snatch new users?" the director of operations asked a little unwillingly.

"Do our own thing, go according to the original rhythm, don't worry about competitors, after all, they are still far away from us. Competitors are those with equal strength, and what kind of competitors are those with too big gap." Cai Congxin smiled road.

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When there was a change on Facebook, Yu Wenfei was personally presiding over the preparations for the launch of WeChat and WeChat Pay.

Shanghai Pudong Development Bank has also made preparations. The provincial branch outlets are ready, the credit card issuance channels are also in place, and the online banking system has passed repeated tests and can be launched at any time.

Then, the first thing to do next is to settle the domestic e-commerce side.These include the earliest e-commerce companies in China, 8848, EachNet, Dangdang, Joyo, and of course Alibaba and Taobao!

Because online banking is online, you must have a usage scenario, otherwise, what are users doing with online banking?

E-commerce is the best usage scenario.

When there is no online banking, it is not easy for e-commerce companies to do business. When users buy products on the website, payment is a very troublesome thing.

Generally, it is through remittance, or purchasing a point card to recharge an account, etc., to go around a long way to buy what you want to buy. Therefore, online payment also limits the development of domestic e-commerce.

In fact, in 2003, it was not that online banking did not exist. In fact, there were, but the online banking systems of several major state-owned banks were extremely difficult to use, and they were not promoted at all. Basically, not many users were using them, including Those e-commerce websites have not been connected to the online banking system, and payment cannot be made directly on the e-commerce website through online banking.

The launch of Shanghai Pudong Development Bank's online banking system will definitely be greatly welcomed, because Shanghai Pudong Development Bank supports direct payment on e-commerce websites, and users do not need complicated procedures. They only need to bind the bank card number on your e-commerce website account, and Enter the payment password, you can buy goods at will.

During this process, a lot of procedures were omitted, and it was the first time that a bank put down its airs and embraced the e-commerce industry on its own initiative.

The promotion of Shanghai Pudong Development Bank's online banking naturally does not require Yu Wenfei to do it himself. Shanghai Pudong Development Bank has its own team to carry it out, and now it has begun to contact and negotiate with those domestic e-commerce websites.

As for WeChat payment, Yuwenfei is not busy promoting it yet.

The road has to be taken step by step, and the meal has to be eaten bite by bite. As long as the major e-commerce websites accept the online banking payment of Shanghai Pudong Development Bank, it will not be difficult to promote WeChat payment in the future.

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On July 18th, a large banner appeared on the Facebook homepage again, which has not been seen for a long time.

Xiaobai is an office clerk in a high-rise office building in the Pufa New District of the magic city. She is not busy at work, so she often has time to be lazy when she is at work, surfing Facebook and so on.

I just finished the work at hand, stretched my waist, went to make a free cup of coffee, and returned to my desk to sit down.

Click on Facebook, get ready to swipe for a while, and take a break.

To her surprise, as soon as she opened the Facebook homepage, she saw the huge poster that took up the entire computer screen.

On the screen is a half-length photo of Yu Wenfei, holding up a small bank card with one hand with a smile on his face, and the advertising slogan next to it is "the first credit card for young people!"

Cousin has advertised? !

Xiaobai was surprised, but of course he was also very interested.

"Young people's first credit card"?
Of course Xiaobai knows what a credit card is, but she has never handled it.

Because at that time, most people did not accept credit cards. The newspapers said that this is a means of capitalism to deceive working people, let you overdraft consumption, magnify your desires, and eventually lead to chaos in your life.

The industrious Chinese people have always had a good tradition of saving. If they earn 1000 yuan a month, they will only spend 500 yuan at most, and the remaining 500 yuan will be directly deposited in the bank.

Because you have to consider the issue of buying a house in the future, the issue of getting married and having children, the issue of career, the issue of emergency response to illness, and the issue of pension...

Hey, so much to think about!

Saving money is too slow, how can I apply for a credit card and overdraft consumption?

The bank is trying to cheat their own money, it's too unconscionable, and it must not be deceived!

This was what most people understood about credit cards at the time.

Of course, at that time, many banks did not actively promote the credit card business, and were still on the sidelines.

This time Yu Wenfei directly appeared on the scene and personally endorsed the credit card, which really surprised Xiaobai a bit.

She reached out and clicked on the banner advertisement, entered the details page, and looked at it carefully. What kind of credit card is this? Why did Yu Wenfei say that this is the first credit card for young people?
On the advertisement details page, of course, it is the introduction of Shanghai Pudong Development Credit Card.

This card has several highlights, which are not available in other bank credit cards.

One: No annual fee.

This is not just for fun. Credit cards have an annual fee. Although later on, the annual fee for general cards was basically waived, but at the beginning, every bank credit card had a high annual fee.Basically, it starts at six hundred, and even two or three thousand for more!

Because in the eyes of the bank, credit card is a value-added service provided by the bank, which requires a lot of manpower and facilities, and also needs promotion costs, which of course have to be borne by users.

Two: Support online payment.

That is to say, the Shanghai Pudong Development Bank credit card has the function of online banking, which is a precedent in the domestic banking industry!In the past, online banking can only be handled through savings cards, which means that you can only make payments if you have money in your account.Now, you can spend without money, just apply for a credit card!

Three: The application threshold is low.

As long as you have a stable job, it doesn't matter whether you are a civil servant or an employee of an enterprise, even if you are an employee of a private enterprise, you can apply.

This has greatly lowered the threshold for applying for a credit card. If other banks want to apply for a credit card, the procedures are simply too troublesome.The work unit is not good, so I can't apply.The salary income is not high, and it is not allowed to apply.If the bank deposit does not reach a certain amount, it will not work.

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After reading these, Xiaobai actually had some thoughts in his heart. It seems that the Shanghai Pudong Development Credit Card is not bad...

She is a small white-collar worker, and her income is neither high nor low. Sometimes she wants to buy something very much, but she doesn't have enough money for a while.

Go ask someone else to borrow it, but I'm too embarrassed to ask.

If you apply for a credit card yourself, will you be able to solve this situation?

This card is exempt from all fees, as long as you repay the loan on time, you don't need to pay an extra penny.

About the introduction of Pudong Development Credit Card, there is more below, Xiaobai will continue to look down.

"Our bank has reached cooperation with major e-commerce websites. You only need to bind this card on the e-commerce website, and you can directly pay for shopping. The list of cooperative websites is as follows..."

Below is a list of website names, Facebook Game, 8848, eBay, Dangdang, Joyo, Taobao, Ctrip, etc.

Basically, it covers all the websites in China that need to use the paid payment!

This is even more attractive. Xiaobai was pleasantly surprised to find that there is Dangdang.com. She is a girl who loves to read and buys books.

In the past, I always went to Xinhua Bookstore, but after all, Xinhua Bookstore has a limited area, and it is impossible to buy all the books I want.Later she discovered Dangdang.com, where not only is it much cheaper than Xinhua Bookstore, but more importantly, the books are very comprehensive!

Basically, all the books you want to buy can be found here!

But in the past, it was quite troublesome to buy books on Dangdang. The problem was payment.

But now, as long as you have a Shanghai Pudong Development Credit Card, all the problems will be solved.

Must do one!
Xiaobai secretly made up her mind that there is a branch of Shanghai Pudong Development Bank near her office building, and Xiaobai would go there when she was going to have lunch and ask how to apply, if possible, apply immediately.

(End of this chapter)