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Group 1 - The article highlights various credit card offerings from a bank, emphasizing promotional rewards for new customers [5][10][13][15][17]. - New customers can receive significant rewards such as cash vouchers, travel tickets, and branded gifts upon meeting certain criteria [10][13][15][17]. - The article promotes a referral program where both the referrer and the referred can receive rewards upon successful card application and usage [24]. Group 2 - Existing cardholders are encouraged to apply for additional credit cards, which will share the credit limit with their current cards but will not qualify for new customer rewards [26]. - The article provides a link for users to explore more credit card options and details about ongoing promotions [28]. - The bank's app is highlighted as a comprehensive tool for payments, investments, and loans, enhancing customer convenience [29].

Core Viewpoint - The article promotes various credit card offerings from China Merchants Bank, highlighting attractive benefits for new users, including high credit limits and various rewards for meeting spending requirements. Group 1: Credit Card Offers - The highest credit limit available is 50,000 yuan for selected credit cards [17] - New users can receive rewards such as 1,000 points or cash back for the first year upon meeting spending criteria [19] - Specific cards offer unique rewards, such as mechanical keyboards, brand backpacks, and Starbucks coffee [4][6][13] Group 2: Promotions and Benefits - First-year annual fees are waived for new users, and waiving the next year's fee requires a minimum of six transactions [18] - Referral programs are available, where both the referrer and the referred can receive rewards upon meeting certain conditions [19] - Various themed credit cards are available, including those linked to popular brands and services, enhancing user engagement [10][11][14]

中国人民银行已在2025年11月26日正式发行2026中国丙午（马）年贵金属纪念币一套。该套纪 念币共11枚，其中金质纪念币6枚，银质纪念币4枚，铂质纪念币1枚，均为中华人民共和国法定 货币。为进一步丰富招商银行实物贵金属产品，满足我行客户的贵金属消费与投资收藏需求， 招商银行App已上线2026中国丙午（马）年贵金属纪念币产品。 ｜广告｜ 生肖文化是中国传统文化的重要组成部分，生肖符号是国人一生顺和天地、瞻览万物的写照， 与每一个中国人生活紧密相连，也深受国人的认同与喜爱。从1981年始发至今，生肖币已有45 11幅图稿各具特色，涵盖了古朴庄重、富贵华丽、童趣活泼、温馨和美等多种不同风格。用多 样化的设计风格、创造性的艺术手法表达马年生肖文化，巧妙运用与马适配的吉祥元素，传达 自强不息的进取精神和对马年吉祥如意的美好祝福，让传统生肖形象在当代文化中焕发出新的 生机。 年的发行历史，它传承着广受群众喜爱的生肖文化，成为我国发行时间最早、品种最丰富、集 藏者众多的一个收藏系列；又以其多样的形制、精美的图案和工艺，满足了多样化的需求，是 贵金属纪念币中最重要的项目之一。 马是中国生肖文化中深受群众喜爱的生肖之一， ...

面 银行 冷却行消保 ASSET IN 近年来,非法校园网贷活动屡禁不止,不法分子利用学 生群体消费需求旺盛、金融知识薄弱、社会经验不足等 特点,通过"零门槛贷款""刷单贷""美容贷"等新 型诈骗手段,诱导学生陷入债务陷阱,严重威胁学生身 心健康和学业发展。现通过典型案例解析非法网贷查 路,帮助广大学生识别风险、远离陷阱。 警惕"零门槛" 贷款陷阱 【案例在线】 大一新生小王在校园内看到一则"凭学生证即可 借款5000元"的广告,因想要购买新包便申请贷 款,可实际到账仅3500元,却被要求7天后还款 5000元。因无力偿还,小王受诱导向其他平台借 款,最终欠款滚至3万元。 【套路解析】 不法分子通过校园小广告、社交平台等渠道散布 "零门槛贷款"信息,诱导学生申请贷款。实际 操作中,还通过"砍头息"(预扣高额服务 费）、设置极短还款周期(如7天)等手段变相收 取超高利息。当学生无力偿还时,又诱导其向其 他平台借款"以贷养贷",让债务如滚雪球般增 长,最终通过电话轰炸、威胁曝光隐私等暴力催 收手段逼迫还款。 【 风险提示】 警惕"零门槛""免息"宣传:正规金融机构不会以 "无抵押""无征信"为噱头诱导贷款。 拒绝 ...

Group 1 - The article promotes various credit card offerings with attractive benefits for new users, including fee waivers and rewards [4][8][12]. - New users can receive significant rewards upon meeting spending requirements, such as cash back or points [4][9][12]. - There are special promotions for specific cards, such as discounted dining vouchers and travel-related rewards [4][8][12]. Group 2 - The article highlights referral programs where both the referrer and the referred can receive rewards upon successful card applications [14]. - Existing cardholders are encouraged to apply for additional cards, which share credit limits with existing accounts but do not qualify for new user benefits [16]. - A promotional event is mentioned where users can comment on their favorite co-branded credit cards for a chance to win prizes [17].

Core Insights - The article emphasizes the attractiveness of personal pension plans, highlighting their ability to save, invest, and provide tax benefits for individuals planning for retirement [2][6][10]. Group 1: Personal Pension Benefits - Over 13 million people have chosen to open personal pension accounts at China Merchants Bank, indicating a growing trend in retirement planning [2]. - The average annualized return for pension investment products exceeds 3.4%, making them a viable option for retirement savings [5]. - Personal pension accounts allow for flexible contributions, enabling individuals to decide how much to save [2][6]. Group 2: Investment Options - 98% of pension products have shown positive returns since their inception, showcasing the effectiveness of these investment vehicles [2]. - The article mentions various investment options, including index funds and FOF products, which are designed to provide stable returns through diversified portfolios [2]. - There are over 300 exclusive pension products available, offering a range of investment choices for consumers [17]. Group 3: Tax Benefits - Individuals can save up to 5,400 yuan annually through tax deductions related to personal pension contributions, enhancing the financial appeal of these accounts [20]. - The article suggests that individuals can save nearly 4,000 yuan in taxes each year by utilizing personal pension funds [16]. Group 4: User Demographics - More than 60% of users opening personal pension accounts are from the 80s and 90s generations, indicating a shift towards early retirement planning among younger individuals [10]. - The article highlights that many users initially started saving without much thought but later recognized the benefits of accumulating savings for retirement [12].

Core Points - The article primarily focuses on various credit card offerings from a bank, highlighting the benefits and rewards associated with new cardholder promotions [6][10][15]. Group 1: Credit Card Promotions - New cardholders can choose from multiple welcome gifts, including various branded bags, cash back offers, and membership cards for streaming services [6][10][15]. - Specific promotional items include ELLE bags, Midea cookware, and Germ thermal cups, which are part of the new user rewards [6][10][15]. - The article emphasizes limited-time offers for new users, such as discounts on train tickets and ride-hailing services [10][15]. Group 2: Special Features - Certain credit cards, like the American Express Centurion Card, offer unique benefits such as no foreign exchange fees [9]. - The Starbucks co-branded credit card provides exclusive rewards, including free coffee over a six-month period [15]. - The article mentions that existing cardholders can apply for additional cards, but these will share the credit limit with their current cards and will not qualify for new user rewards [20].