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"专业债务优化，摆脱还款压力。""量身定制协商方案，停息挂账。"——类似这样诱人的广告，正 在社交媒体甚至电话短信中频频出现。他们号称能帮消费者"摆脱债务困境"，实则在收取高额服务费后 跑路；声称"全程法律支持"，手段却是伪造公章、开具虚假证明……近年来，这类打着"代理维权""债 务优化"旗号的金融"黑灰产"，已逐渐发展成上下游分工明确的产业链，给消费者的个人信息与资金财 产安全带来了巨大风险。 为保护消费者权益，各家金融机构都在监管部门指导下积极开展宣传教育工作，以一系列寓教于乐 的宣传活动帮助消费者识破"黑灰产"骗局，提升风险防范能力。其中，招商银行信用卡的活动颇为亮 眼：不仅走进校园、深入农村、扎根社区，更让金融知识乘上了"百年历史"的公交车、融入时下年轻人 喜爱的"Citywalk"路线，将识别"黑灰产"、防范诈骗的知识送入千家万户。 在国家金融监督管理总局组织的"2025年金融教育宣传周"活动中，招商银行信用卡正在通过寓教于 乐的形式，帮助消费者提升金融素养，增强风险防范意识。"打击黑灰产不是单点突围，而是一项长期 性、系统化工程。"招行信用卡相关负责人表示，在以金融教育工作持续提升消费者"防护力" ...

Group 1 - The article highlights various promotional offers for new credit card users, including rewards such as points, cash back, and gifts upon meeting certain criteria [4][5][6][7][8][9]. - Specific rewards include 1000 points for standard gold card holders, 200 yuan train tickets, and brand luggage for different card types [4][5][6][7][8][9]. - The article emphasizes the limited-time nature of these offers, encouraging potential customers to apply quickly to take advantage of the benefits [14][15]. Group 2 - Existing cardholders are informed about the option to apply for additional credit cards, which will share the credit limit with their current cards and do not qualify for new user rewards [17]. - The article provides a call to action for users to explore more credit card options and promotional details through links provided [10][19].

Group 1 - The article highlights various promotional offers for new credit card users, including gifts such as brand bags, train tickets, and Starbucks coffee [5][8][11]. - It emphasizes the benefits of co-branded credit cards, such as the JD.com co-branded card offering up to 2 years of JD PLUS membership for new users [10]. - The article mentions the referral program, where both the referrer and the referred can receive rewards upon meeting certain criteria [20]. Group 2 - The article outlines the exciting privileges for cardholders, including discounts on dining and the ability to redeem points for various gifts [19]. - It provides information on how existing cardholders can apply for additional credit cards, noting that the credit limit will be shared with existing cards [22]. - The article encourages users to explore other credit card options available through the bank's platform [24].

Group 1 - The article promotes various credit card offerings with attractive rewards for new customers, including brand luggage and membership benefits [4][5][6] - New customers can receive up to 50,000 yuan in spending limits and enjoy first-year fee waivers along with discounts on dining [9] - There are referral rewards for existing cardholders who recommend new users, with both parties eligible for gifts upon meeting certain criteria [12][14] Group 2 - The article emphasizes the convenience of managing multiple financial services through the bank's app, including payments, investments, and loans [18] - It encourages users to engage with the content by liking and sharing, indicating a focus on community interaction [20]

Group 1 - The article highlights various credit card offerings from China Merchants Bank, emphasizing attractive benefits for new users, such as fee waivers and rewards for meeting spending thresholds [3][4][6]. - New users can enjoy a first-year fee waiver and can avoid the next year's fee by making six transactions [3][4]. - There are multiple promotional gifts available for new users, including points, cash back, and branded merchandise, depending on the card selected [3][7][8]. Group 2 - The article mentions specific promotional cards, such as the Hello Kitty card and Pokémon fan card, which offer unique gifts upon meeting spending requirements [8][9]. - There are also co-branded cards with partners like JD.com and Starbucks, providing additional incentives like membership benefits and free beverages [11][13]. - Existing cardholders can apply for additional credit cards, but the new cards will share the credit limit with existing ones and will not qualify for new user rewards [15][16].

Group 1 - The article promotes various credit card offerings from a bank, highlighting special benefits for new customers [2][4][5][7] - New customers can receive exclusive gifts upon meeting certain criteria, such as brand bags, Starbucks coffee, and limited edition items [2][4][5][7] - There are promotional activities encouraging existing cardholders to refer new customers, with rewards for both parties [12] Group 2 - The article emphasizes the value of credit card perks, including discounts on dining and the ability to redeem points for various rewards [11] - It mentions that existing cardholders can apply for additional credit cards, sharing the credit limit with their current cards [14] - There is a call to action for readers to explore more credit card options and promotional details [16][15]

Core Points - The article highlights various promotional credit card offers for new customers, including rewards and benefits for meeting certain spending thresholds [1][2][3][4][5]. Group 1: Credit Card Offers - Standard Gold Card offers new customers 1,000 points or first-year cashback options [1] - Zodiac Guardian Card provides a brand suitcase or other gifts for new customers [2] - JD.com Co-branded Card grants up to 2 years of JD PLUS membership for new customers [3] - VISA All-Currency International Card offers a brand bag or other gifts for new customers [4] - Pokémon Fan Card rewards new customers with a creative ice cream cup or other gifts [5] Group 2: Additional Benefits - First-year annual fee waiver available for certain cards, with a maximum spending limit of 50,000 yuan [8] - Exclusive rewards for cardholders who refer new customers, with both the referrer and the referred receiving gifts upon meeting spending criteria [11] - Existing cardholders can apply for additional credit cards, sharing the credit limit with existing cards but not eligible for new customer rewards [13]

Core Viewpoint - The article primarily focuses on various credit card offerings from different banks, highlighting promotional benefits for new customers and existing cardholders. Group 1: Credit Card Promotions - The article mentions that new customers can receive various gifts such as brand luggage or Starbucks coffee upon meeting certain spending criteria [5][8]. - It emphasizes that some credit cards offer no annual fee for the first year, with specific conditions for maintaining this benefit in subsequent years [12]. - There are referral rewards for existing cardholders who recommend friends to apply for credit cards, with both the referrer and the new applicant receiving benefits upon meeting the requirements [13]. Group 2: Specific Card Features - The article details that certain credit cards allow for a maximum spending limit of up to 50,000 yuan [11]. - It notes that existing cardholders can apply for additional credit cards, but the credit limit will be shared with their current cards and will not include new customer benefits [15]. - The article encourages readers to explore more credit card options by clicking on provided links for further information [17].

Group 1 - The article highlights various promotional credit cards offered by a bank, including benefits for new users such as free gifts and discounts on services [3][4][5]. - Specific promotions include a "Super Foodie Card" with a year-long membership and a 60 yuan takeaway voucher for new users [3]. - Other cards mentioned include a Starbucks co-branded card offering free coffee and a customized cup, and a Pokémon fan card with creative gifts [3][5]. Group 2 - The article outlines benefits for cardholders, such as a 50% discount on meals every Wednesday and the ability to redeem points for various rewards [8]. - There is a referral program where existing cardholders can recommend friends to apply for the card and receive rewards, such as a discounted air fryer or cashback [10][11]. - Additional information is provided for existing cardholders on how to apply for additional credit cards, noting that the credit limit will be shared with existing cards [12][13].