In China, only three banks, namely Minsheng Bank, China Merchants Bank and Bank of China, have cooperated with American Express and are qualified to issue Centurion Black Cards.
Among them, the titanium black gold card issued by Minsheng Bank has the best appearance, while the other two are PVC plastic cards, which look very cheap.
But whether a card is good or not has nothing to do with appearance. The one with the best appearance is often the worst. The reason why Xia Yu rejected Minsheng Bank was because its black card was the worst. The credit limit starts at 50 yuan, and the fixed annual fee is 36,000 yuan per year. It's a rip-off.
The black gold cards of China Merchants Bank and Bank of China are made of the same material, have the same annual fees, and are not much different in terms of benefits. The only difference is that the conditions for obtaining a card from Bank of China are more stringent.
Harshness means rarity, and Xia Yu likes the feeling of being different. It just so happens that his name consists of only one character, "Yu", which seems to have a special connection with the universe.
Now that they have invited me, why not just agree?
"Okay, I still don't have a credit card!"
Xia Yu told the truth.
He was not afraid that Li Donghai would become suspicious. After all, rich people have all kinds of strange ways of educating their children. Some raise their children in poverty, some in wealth, and some even hide their billions of assets and pretend to be poor in front of their children.
As long as there is real money in your account, people will help you figure out other things because money doesn't lie.
"It's a good thing he never used it. My little bro has been a spendthrift since he was young. At thirteen, he used my supplementary card to swipe everywhere. I don't know how many times I've been beaten up, but he still hasn't changed."
Li Donghae and Xia Yu complained about their son, but he sounded so envious!
At the age of thirteen, he had a credit card with a secondary card. At that time, he didn't even have a savings card. He just had a note that his class teacher lied to him, saying it was for New Year's money, but it was actually a disguised way to save money.
Damn it, I was asked to save money when I was a kid, and now I’m still asked to save money when I grow up. I can never escape the clutches of the bank.
The only good news is that being a savings student has its benefits now, unlike when you were a child, when all the benefits were taken away by unscrupulous teachers.
"Well, Uncle Li, the card has been approved. What's the maximum limit?"
Xia Yu asked Li Donghai again.
Things that are given at night may not be accurate. Now that there are professionals around, it’s a good opportunity to ask for clarification.
"It's only 10 million. There's nothing I can do about it. This card isn't a foreign debit card. The country has regulations, and the maximum limit is 10 million. But if you want to buy something that exceeds that limit, you can call and apply for a temporary limit."
Li Donghae introduced it in detail.
Because he had witnessed Xia Yu's heroic feat of spending 50 million in one go, he specifically mentioned what to do if the credit limit was not enough.
"So that's how it is. Thank you so much, Uncle Li."
Xia Yu said politely.
"It's not a problem, but since you don't have a Universal Bank credit card, you'll need to sign up for a private bank first."
Rules are used to regulate ordinary people. As a high-quality customer, Xia Yu can be given a green channel even if there are non-compliances.
"Okay, I'm fine."
First, he opened a private bank account, then applied for a Centurion Black Gold Card. Xia Yu had maxed out all the high-end services of the Bank of China, and then he had to allocate assets and apply for a loan.
It looks very troublesome and it is really troublesome to sit on it. Fortunately, Xia Yu does not have to worry about these troubles. All he has to do is sign the authorization and wait for the card to be issued.
As soon as I got the card, I started using it immediately.
After signing a series of authorization documents, Xia Yu asked Li Donghai again how much the temporary limit of the black card could be. He said it depends on how much you have saved.
Banks are not doing charity. Only win-win cooperation can benefit both parties.
After talking for most of the morning, seeing that it was almost noon, Li Donghae suggested that he treat everyone to a meal.
"Uncle Li, I work in the catering business. I'm tired of eating out and want to try your cafeteria meals. What do you think?"
"No problem, it's just a working meal. Let me show you the standards of our bank."
After Li Donghai finished speaking, he led Xia Yu to the cafeteria, but he didn't know that Xia Yu's main purpose was not to go to the cafeteria, but to get to know more people.
For example, the president of Fudong Branch!
Unfortunately, the president was on a business trip, and only the vice president was in the cafeteria.
The deputy president of a second-level branch is also fine. After all, he is a level 7 bank employee and a deputy director-level cadre like the president.
Li Donghai didn't just stand there and watched, he introduced Xia Yu to him so that he could get to know him.
Sitting down to eat, Lao Li ordered several dishes, which looked pretty good, worthy of being the food within the system.
After eating a few bites, dozens of men and women rushed into the cafeteria. They were all employees who had just got off work from upstairs and downstairs.
Xia Yu looked around and found that there were not many pretty ones.
"Uncle Li, aren't the female employees here good-looking? I thought it was only the sales office that wasn't good-looking, but it turns out the ones upstairs aren't good-looking either."
"Hey, after all, we are a state-owned enterprise and can't compare with those joint-stock banks."
Lee Donghae showed the unique smile of an experienced driver.
This is not a phenomenon unique to banks, it also happens in hospitals. The nurses in public hospitals are not as pretty as those in private hospitals.
"It's okay to not be pretty, there won't be so much shit going on. Many people just can't control themselves and make mistakes easily."
Having worked in the bank for more than 30 years, Li Donghai has a very thorough understanding of some issues.
"That's the truth. Work is work, life is life, and you have to keep them separate."
Xia Yu agreed with Li Donghai's opinion. He did not have any casual relationships with men or women at work. Even his assistants were specially hired from men. If one was not enough, he would have to find another one after a while.
By the way, the black card’s private concierge team is great. Once he gets the card, he will definitely experience it.
After dinner, Xia Yu said goodbye to the Fudong branch and drove back home.
I had been planning to spend the remaining 40 million yuan lavishly, but now I see that I can’t spend too much, and I have to leave at least 30 million yuan in the account.
In the past, banks’ deposit collection was a time-bound task, and they would consider the task completed after one or two days. Now, it has become stricter and they have started to assess the average daily deposits, which means that on average, a certain amount of money must be in the account every day.
It is difficult to forge something, so we can only attract big clients like Xia Yu.
Fortunately, the 30 million is not just left in the account. It will earn interest every day, and Li Donghai can also decide to increase the interest to the highest level.
Then when the company needs money to expand, Xia Yu can borrow most of the money again, and then borrow more money in the name of the company.
No wonder rich people want loans, loans make money quickly!
What Xia Yu said was just a drop in the bucket. If he were reborn, he would definitely know that Tesla had borrowed 10 billion yuan in Shanghai a few years later.
When will he be able to legally borrow 10 billion yuan, he can take off the hat of the poorest rich man. Now he'd better just wear it honestly!
After returning home, he called Xue Ping and asked him to prepare the relevant documents needed for the company's loan. Once the loan is approved and New Year's Day arrives next year, they can start their big business.
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