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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].

Group 1 - The article discusses various credit card offerings from China Merchants Bank, including promotional benefits for new users [5][6]. - New users can receive a JD PLUS membership upon meeting certain criteria, highlighting a partnership with JD.com [5]. - There are additional rewards for cardholders, such as discounts on dining and the ability to redeem points for gifts [9]. Group 2 - Cardholders can refer friends to apply for the card and receive rewards upon successful referrals, such as discounted kitchen appliances or cash rewards [11][12]. - Existing cardholders have the option to apply for additional credit cards, with shared credit limits and no new user benefits [13][14]. - The article encourages users to explore other credit card options available through the bank [16].

Core Viewpoint - The article emphasizes the importance of genuine service experience over standardized processes, highlighting that efficiency blind spots can lead to a complete breakdown of trust between service providers and customers [2][11]. Group 1: Service Experience - The company previously had a long-term relationship with a bank, relying on its credit card for various payments, but faced issues when a new card was issued without prior consent, leading to frustration and a loss of trust [3][4][9]. - The customer service experience was described as overly standardized and lacking in genuine problem-solving, which ultimately resulted in the decision to discontinue using the bank's services [10][11]. Group 2: Efficiency Blind Spots - Efficiency blind spots are defined as situations where service processes are efficient but fail to provide customers with a sense of resolution or closure [12][11]. - The article argues that many service companies mistake visible actions for actual customer satisfaction, leading to a disconnect between service delivery and customer expectations [16][18]. Group 3: Service Improvement Strategies - To address service failures, companies should focus on reconstructing service motivations rather than merely optimizing processes [22]. - A shift from a "patchwork logic" to a "delivery logic" is necessary, where service is seen as a collaborative effort to build trust rather than just a reactive measure to customer complaints [27][28]. Group 4: Final Thoughts - The decision to abandon the bank was not solely based on a single negative experience but rather on the realization that the standardized service process did not equate to a genuine service experience [30].

Core Viewpoint - The article promotes various credit card offerings with attractive benefits for new users, including fee waivers and gift incentives. Group 1: Credit Card Benefits - First-year annual fee waiver for new users, and waiving the next year's fee after making six transactions [2] - New users can receive 1,000 points or a gift package upon meeting certain criteria [3] - Special promotions such as 50% off dining vouchers available every Wednesday [3] Group 2: Specific Card Promotions - Zodiac Guardian Card offers a brand luggage for new users who meet the criteria [6] - Hello Kitty Pink Graffiti Card provides a custom exquisite bag for new users [8] - Pokémon Fan Card rewards new users with a creative Pokémon ice cream cup [10] - Starbucks co-branded card offers six cups of Starbucks coffee or a custom cup [12] Group 3: Referral and Additional Offers - Users can earn rewards by successfully referring friends to apply for a card [15] - Successful referrals allow users to purchase an air fryer for 10 yuan or receive an 88 yuan repayment bonus [16] - Existing cardholders can apply for additional credit cards with shared limits but without new user gifts [20]

Group 1 - The article promotes various themed credit cards, offering rewards for new users who meet certain criteria [4][5][6] - New users can choose from a selection of gifts upon meeting the requirements, such as bags and creative items [4][5][6] - Existing cardholders can recommend friends to apply for cards and receive rewards for successful referrals [10][11] Group 2 - The article mentions that existing cardholders can apply for additional credit cards, but the new card's limit will share with the existing one and will not qualify for new user gifts [12][13] - Specific details about the promotional activities, including rules and available gifts, are subject to system display [15]