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China Merchants QQ member joint credit card

China Merchants QQ member joint credit card

Xiaobian Review

Points can be exchanged for the value of the new beauty fashion backpack
  • QQ members enjoy double points rewardsQQ members enjoy double points rewards
  • New home card to send American traveler backpackNew home card to send American traveler backpack
  • Card face can print your own QQ numberCard face can print your own QQ number
apply immediately

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  1. Puka
  2. UnionPay
  3. Renminbi
  4. annual fee:100 yuan
    Free of the first year, swipe 6...

Annual fee policy: Free of the first year, swipe 6 times for the next year

Points rules: According to the actual amount of the account, every 20 yuan / 2 dollars, 1 point

The validity period of the points: Points are permanently valid

Cash withdrawal: The maximum cash withdrawal ratio is 50%, the cash withdrawal fee is 1% of the cash withdrawal amount, and the minimum domestic fee is 10 yuan.

Minimum repayment ratio: 10%

Interest-free period: Minimum 20 days, up to 50 days

SMS notification: A single POS credit card consumption of less than 300 yuan (including fast payment) will no longer send reminder SMS, any amount of consumption will be reminded by the official WeChat

Lost card protection: China Merchants Bank Credit Card can enjoy 48 hours of loss before card loss protection service

Application conditions: If the applicant is a resident of the country, the age of the resident is between 18 and 60 years old. If the age of the foreigner is between 25 and 60 years old, the applicant of the supplementary card needs the parent, spouse or child of the primary card (age 18 years old or older)

Application materials: In order to obtain a more accurate assessment and quota, it is recommended to provide other financial proof (such as: bank payroll record, income certificate issued by the unit, income tax withholding certificate, self-owned real estate certificate, bank deposit receipt, etc.) Proof of work, such as: a copy of the work permit, the original work certificate issued by the work unit, a copy of the professional title, a copy of the professional qualification certificate, or a passport of a foreigner or a Hong Kong and Macao resident to and from the Mainland, a Hong Kong and Macao compatriots return home permit or a Taiwan resident to travel to the mainland. A copy of the photocopy of the residence permit or temporary residence permit in the territory of the main card, and a copy of the ID card of the resident ID card. (Receiving domestic persons aged between 18 and 60. Foreigners aged 25 to 60 apply for the main card)

Exclusive privilege

Card privilege

  • QQ members enjoy double points rewardsQQ members enjoy double points rewards

    QQ card holders can enjoy double points when using this card.

  • New home card to send American traveler backpackNew home card to send American traveler backpack

    The new cardholder who issued the card will meet one of the following conditions within the two natural months of the card issue, and then you can go to Pocket Life to receive a US traveler backpack. Use this card to have an arbitrary amount of transactions through Alipay Express and WeChat Express, and brush the card for 3 strokes and spend 188 yuan each (including Alipay, WeChat Express payment), and any single transaction of 500 yuan.

  • Card face can print your own QQ numberCard face can print your own QQ number

    Each person can only apply for one card face, and the card for the affiliate card can be different from the main card. Offline application customers can print your QQ number on the card surface by filling in the QQ number in the member number field to achieve personalized customization.

Related costs

Cash withdrawal: The maximum cash withdrawal ratio is 50%, the cash withdrawal fee is 1% of the cash withdrawal amount, and the minimum domestic fee is 10 yuan.

Repayment: The minimum repayment amount is 10% of the monthly bill, and the daily interest rate is 0.05%.

Liquidated damages: Repayments below the minimum repayment amount are subject to a 5% liquidated damages, with a minimum charge of $10/$1

Overdue fee: More than 5% of the credit limit

Overdue payment: The deposit amount exceeds the amount owed, and 0.5% is charged when taken out

Loss of charge: 60 dollars

Reissue card fee: 15 yuan

Instalment rate:
  • Phase 3Phase 612 issues18 issues24 issues
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Card friend reviews
  • 83668
  • For China Merchants Bank, I think it is the most cost-effective one for all banks. Because China Merchants Bank credit card, as long as you say that you will use it well, his rate of withdrawal is very fast, and the amount of each amount is also very large, just like Xiaobian, now the credit card quota can already get 6w Fixed 12w temporary, and I used to have a new card for 3k. It took only 9 months to get such a result. Not much nonsense, directly above: So how did I get this result? Then how can China Merchants Bank credit card be processed to have a high quota and pass rate? How can China Merchants Bank Credit Card want to get the funds quickly? Welcome everyone to listen to the recording below (ps: the code word is too tired, and the cultural level is not high, please forgive me) Dear friends, the above is my knowledge sharing for everyone, I don't know if it will help you. If you feel that there is something to gain, you are welcome to forward this article. If you feel that it is not helpful, please leave a message below this article, I will try my best to answer your questions, we will learn together and make progress together. Finally, let's share it with you. After raising the quota two days ago, China Merchants Bank asked me to upgrade the Platinum Card as shown below:
  • 34917
  • When applying for a credit card, it is rarely heard that it is because of the household registration, but there are card friends who reflect that this kind of thing does exist. The company organized a China Merchants Bank credit card, and was rejected by itself and two other colleagues. Afterwards, it was known that it was all white. The reason why the white man applied for a credit card was rejected is because the white card is a high-risk area for telecom fraud. In order to prevent risks, the bank will have this measure. The company handled the China Merchants Bank credit card in a unified manner, and three people were rejected. They were discovered afterwards because they were from Maoming, Guangdong. Recently, Guangzhou white-collar Wang Chao (pseudonym) complained to the New Express about his own experience and questioned China Merchants Bank’s alleged geographical discrimination. Case 1 The company collectively applied for the credit card of China Merchants Bank. All three employees of the white card were rejected. Wang Chao is a white man named Maoming. After joining a trading company in Guangzhou Tianhe last March, he handled a China Merchants Bank savings card as a salary card. The monthly salary is also six or seven thousand yuan. “Our company has cooperated with China Merchants Bank. In October last year, the bank people came to us and asked each of us to apply for their credit card.” Wang Chao said that other colleagues’ credit cards were quickly issued, but including him. The three colleagues in the company have not received the credit card. Wang Chao said that he thought it was a problem with his own credit information, but the results of his subsequent credit search showed good results and successfully completed the credit cards of the other two banks. "I later learned that there are still two girls in the company who have not signed a China Merchants Bank credit card, and we are all white people." Wang Chao suspected that he could not handle credit cards and his place of origin. In the blink of an eye, in December of this year, Wang Chao planned to apply for a VISA dual-currency card because of his work needs, and added a WeChat credit card salesman's WeChat under the recommendation of a friend. "My friend is a Meizhou native. He successfully made a credit card in his (salesman). As a result, I asked him if he could do it. He returned a sentence and couldn't do it. He deleted it!" Wang Chao Very angry, "I think this is geographical discrimination. Some white people have indeed left a bad impression on the society, but China Merchants Bank should not sink a boatman." Case 2 I was admitted to Shenzhen when I was admitted to the civil service. I was rejected only because my hometown was three times. Coincidentally, Mr. Huang, who works in the personnel department of a public hospital in Shenzhen, has similar experiences. Mr. Huang came from Magang Town, Dianbai District. It was one of the areas where telecom fraud was carried out. Although he successfully passed the civil service examination in Shenzhen after graduating from university, his household registration has also moved to Shenzhen, but he is still deeply affected by his hometown. “In the middle of last year (2015), I started applying for the credit card of China Merchants Bank and applied for 3 times in a row.” Mr. Huang said that his last application was on March 22 this year, but the results of three applications were “unapproved”. . "I went to the bank counter to ask, only told me that the comprehensive assessment did not pass, but I did not want to tell me how to pass the law." Mr. Huang said that in desperation, he had to give up applying for a credit card, in daily life. Use only your own salary card. “Is this not geographical discrimination? It really caused a lot of inconvenience to our work and life.” Mr. Huang said. Visit "Electric white is more troublesome, and it will not pass for your application." Is the report reflected by the reporters true? Is China Merchants Bank really “seeing the other side” of Maoming’s white people? On the morning of December 20th, the reporter visited the China Merchants Bank in Tianhe District, Guangzhou as an ordinary consumer. After asking about the intention, the bank staff enthusiastically introduced the relevant requirements and steps for handling the credit card. However, when the reporter claimed to be a white person, the staff smiled helplessly. "Electric white is more troublesome, because there are restrictions on the (credit) card department, even if we apply for it, we will not pass it." The staff said that from about two years ago, China Merchants Bank was targeting the white-white customers. In the case of telecom fraud and credit card theft, the customers in the region have been restricted. What is the case for China Merchants Bank to do this? "We have had a huge amount of funds to steal credit card cases in China Merchants Bank, causing a lot of economic losses to the bank. At that time, there were hundreds of millions of losses, and the criminal gang was from the white." The staff said that she also felt that other white whites who were not criminals were innocent, but because of bank regulations, they were powerless. Since the credit card for the white-white customers is limited, why do they ask them to apply for a savings card? "The savings card does not involve credit problems, and the customers can handle the savings card normally. The bank can not be used for the time being to avoid economic risks. The white-hukou client handles the credit card.” The staff member said that only the waiting for the credit card department of the China Merchants Bank to relax this restriction, it is also recommended that Maoming Dianbai customers temporarily choose other banks to apply for credit cards. Respond China Merchants Bank Credit Card Center I have not heard of similar regulations yet. At 6:30 pm on December 20, the reporters reported the matter to the China Merchants Bank Credit Card Center. The relevant staff of the center said that they have not heard of the restrictive policy of the credit card center to not issue a card in a household registration area. Reply after internal verification. “Every customer who refuses a card is in a different situation, we will make a comprehensive assessment for them to decide whether to issue a credit card.” The staff member said that the reason for the card refusal may “look similar but is actually not similar”, so Further internal communication and investigation are needed. Lawyer's opinion Can take certain measures for customers in a certain area, but can't be "one size fits all" because they are too lazy to check out. In response to this matter, Zhao Shaohua, a partner of Guangdong Yuding Law Firm, said that China Merchants Bank, as a commercial bank, is an enterprise that provides undifferentiated public services. As long as consumers meet the conditions for processing, they cannot restrict their credit cards for geographical reasons. "The practice of the bank violates the legitimate choice of this consumer group. It is a kind of geographical discrimination and does not reflect the spirit of China's consumer protection law." Then, what measures should banks take to prevent and control related risks? “In order to avoid their own risks, it is ok for commercial banks to adopt certain measures for consumers in a certain area. For example, it is possible to strengthen the review measures for the people. Consumers who handle the conditions will not be processed." Zhao believes that banks should start from their own, strengthen internal prevention and control and customer review, but can not be "one size fits all" because they are too lazy to identify. User opinion Commercial banks have the right to choose the transaction object In "Knowing", the New Express reporter found a discussion on similar incidents of China Merchants Bank. Many netizens believe that China Merchants Bank is not a monopoly enterprise. Therefore, its behavior does not constitute discrimination, but is a commercial behavior based on its own interests. "Only a monopolistic subject has discrimination. Only if there is a single choice, there is a situation in which it has to do something against the free will. If China Merchants Bank does not handle (credit card), there are four major banks, so this is not discrimination." A netizen said. An employee who claims to be a former employee of the China Merchants Bank interprets the interests of the bank. "The essence of the bank is the operational risk. The bank's restrictions on the handling of credit cards for a certain group of people cannot be considered discriminatory, mainly as an initiative in risk management. It can be understood that banks as profit-making organizations must pay attention to avoiding risks in their operations." Say. link Telecommunications network fraud crime Dianbai was once rectified by the Ministry of Public Security In May 2014, Maoming Dianbai was listed as the key social security area in 2014 by the Guangdong Provincial Comprehensive Management Committee in May 2014. In November 2015, it was listed as a new type of national crime against telecommunication network by the Ministry of Public Security. One of the seven key remediation areas for the special action. After the police rectified, the white criminal case has a downward trend. At present, the number of telecom fraud reports in the Dianbai District has dropped from the average of 13 per month in 2014 to 2.   Credit card application please stamp:
  • 1919
  • China Merchants Bank's 300+ Select Hotel Benefits I have always been deeply loved by the friends of all of my friends. I have also used the N-years of the basics. It is no exaggeration to say that the 300+ selected hotel is the best interest in the annual fee-free card. Especially for many overseas hotels, it is really worthwhile. It is a pity that the price of some hotels in these years has gone up to such a discount. It is really unable to withstand the repeated washing of the wool party. This year, customers from China Merchants Bank high-end cards have used their rights in which hotels? Welcome everyone to leave a message at the bottom! What is the China Merchants Bank 300 Select Hotel This is a card equity launched by China Merchants Bank for high-end cards (Gundman Centurion Black Gold Card, Infinite Card, Diamond Card, Express Centurion Platinum Card, Classic Platinum Card). A minimum of 300 yuan + 100 points can be used to book a specific hotel (300 yuan is a variable, 100 points is a quantitative). Each household has 4 times of domestic + 2 overseas hotel VIP price per stay. Analyze / focus! ! ! An activity cycle is from April 1st to May 31st of the current year, regardless of the number of cards in hand, the equity is calculated by household, and there are 4 domestic + 2 overseas occupancy rights in the activity cycle (solution: if you need to obtain Many times, you can do your own card, your wife can do the card, the family will do the card...) The rights are limited to my use. It is easy to book in the Pocket Life App/Travel. The stay needs to be deducted 1 time at least 7 days in advance, and some hotels deduct 2 times. Equity is booked for 2 nights at a time, and a minimum of 1 room per night is required for the purchase of a diamond card to be redeemed. Apart from Shangri-La, most 300+ selected hotels do not have a SNP page price including service charge and tax, no additional fees. The Xiaobian Tune 300+ Select Hotel basically covers the popular hotels in the market, Shangri-La, Banyan Tree, IHG, etc. From the business travel-leisure vacation-family-friendly hotels, you can find well-known and affordable hotels. . Compared to the price set by a third-party platform, the price of 300 select hotels is indeed a cost-effective reference. That being said, but not all hotels are cost-effective, for the usual only live at home, Hanting ... especially if there is no need, most of them are not worthwhile. Therefore, the rights are more set for those who want to change the status quo, improve comfort and a little financial ability. If you want to make a reservation, it is best to make a reservation after comparing the multiple platforms. Even the festivals and membership days that encounter third-party platforms... The price of the bank is not necessarily the best price/performance ratio, such as Flying Pig F2, F3 members, Alipay Diamonds The price may be more favorable than the price of the China Merchants Bank, and the Pudong AE has 2 nights free room night, and the Pudong AE can also be compared after the decision. Due to the different treatment options for each hotel, if the same hotel has the same check-in time, the price of the different platforms will be different, and the price of the lower one may be different in the room type and treatment. In general: 300+ hotel rights are the best choice for those who want to live in a star hotel and can't reach the high-end membership threshold or seek cost-effectiveness. The card friends who have senior members of the hotel group consider the treatment and points to return blood. The price of China Merchants Bank does not necessarily have an advantage. 300+ selected hotel table 1 Beijing Although there are many hotels in Beijing, there are very few hotel hotels. Some people like the commune at the foot of the Great Wall. Some people like the treatment of the Marriott Department. Others like the Tianxinmen Square in the Forbidden City. 2 Shanghai Shanghai's recommendations must be more, holiday travel, business office, depending on how you choose, of course, the higher the price, the hotel is relatively better. The Bund is very popular. 3 Guangdong There are also many hotels in Guangdong. The concentrated scenic spots such as Chimelong Paradise, the resort type of Kaisa Marriott, Dameisha Sheraton and Huizhou Aimei are all good choices, especially in the peak season, this price is already very favorable. 4 Zhejiang Due to the large number of scenic spots in Zhejiang, most of them are resort hotels or hotels within the scenic spots. If you travel to Zhejiang, Xizi Lake Four Seasons, Fuchun Mountain Residence, Fayun Anzhen, and Four Seasons Flagship Stores are good choices, earning an annual fee for two nights. 5 Hainan As a tourist area for the people of the whole country, Hainan is not lacking in accommodation. In the peak season tourist area, this price is also ok. Wenhua's reputation in Dadonghai is good, and Grand Hyatt in Haitang Bay is very suitable for children. 6 Jiangsu Jiangsu hotel prices are generally relatively low. If you are traveling to Jiangsu, you can consider this. 7 Fujian The price of Fujian hotels is relatively low. Xiaobian has not traveled to Fujian, and will not comment here. 8 Yunnan Yunnan hotel is really recommended, as a mature tourist area, all kinds of accommodation in Yunnan, and the price is not cheap, relative to this, the predetermined price here is still very cost-effective. 9 Chuan 350 Hilton, 550 Shangri-La, must-have for business trips. It is said that Banyan Tree Beibei is a good place for a holiday. Chengdu Qunguang Grand Hyatt and Hilton are good choices. 10 other Other hotels are even more, 300 Hilton Resorts, 400 Intercontinental and Crowne Plaza, 600 Caspian, 700 Ritz Carlton... 11 overseas The hotels in Hong Kong are still very favorable and are basically recommended. Hong Kong wants to choose Wenhua Oriental comfortably, and pursues cost-effective reference to Pullman Yidong, and wants a cheap reference to the beach Hyatt. Taipei Grand Hyatt is also a very good location, and the fireworks will go all the way. End of the text interaction : Finally finished, because the experience is limited, welcome friends who have been to leave a message to tell us about the experience.
  • 7878
  •  Merchants have been playing cards for so long, and they can always hear that someone has entered the dark room. The black house is just some kind of risk control that the bank adopts for the cardholders. You don't have to worry too much. You can only say that your card habits are abnormal. Let me talk about my dark house experience today.     What is a small black house? Can not increase the fixed amount, can not increase the temporary limit. What is a big black house? That is, the card suddenly cannot raise the fixed amount, the temporary amount cannot be increased, the cash can not be settled, and the bill cannot be staged.    Xiao Bian has also been in the dark house. He has also been unable to work in Platinum. He has been tossing for nearly half a year. Today, I will share with you the process and experience. You can also try to solve the problem. Understand:   The initial credit card of the university is 8k, and the lust of the lush years is always more than reality. Alipay has filled the credit card, and the frequent bills are staging, and the days when the card slaves are not like the slaves. The card is not used well, and the quota has been rising very fast. 8,000 to 20,000, 20,000 to 30,000.   Growth: Later, I entered the circle and learned Leica. Barbarism and madness coexisted. I spent 100,000 yuan in 3 days. The points and mileage were flying together. The fixed amount reached 50,000, and the temporary quota reached 120,000. I didn't have a Platinum card. During the period, I experienced two classic white nets to apply for water. I have never graduated from cash in stages, and I have no chance to pay platinum.   mature   Platinum cards, no Platinum card investment is broken. Since listening to certain rumors and actively reducing the amount can trigger the cash staging to reach the standard, the result is that the quota is reduced and then directly enters the small black house and then does not come out. The first time the asset is up to standard application, the second day of tragedy is filed. After stopping the card, I used the card to deliberately raise the card and applied for UnionPay white for 3 months. Immediately continue to apply for classic white, file the tragedy of the next day. After continuing to raise the card for 3 months, the temporary amount will be restored to the small black house, and I feel that I will return to the high-quality customer camp. The horse will apply for the classic platinum card and successfully get the card. The amount is not high, considering that you use the card in general, the threshold is 100,000. The phone adds diamonds and expresses white.   Indifferent: After 3 days of Platinum, it is 600,000 ah, and the crazy years are running wildly. The temporary quota was given 160,000. After September 6, 16th, it slowly entered the small black house until the big black house after the policy reform.     At the end of last year and recently, there were card friends who reported that the people in the black house were released on a large scale. Then, what common pits were accidentally locked into the black house?   Reasons for entering the house 1. Cash staging: In the past, many people used the method of cash staging in order to quickly increase their quota. Although they graduated smoothly, they entered the dark house as soon as they graduated. 2, E loan: Multi-card friends used E to lend, and the result was paid off and was locked into the small black house. 3, the card is abnormal: some card friends are too eager or the rhythm is not good, the method is wrong, when the card is used to enter the dark room, when the wool is set into the dark room. Customers who do not have a Platinum card should be careful with the card, and entering the dark house will greatly affect the Platinum card. 4. Information anomaly: It may be caused by the expiration of simple ID information. 5, overdue: overdue, minimum repayment may also enter the dark house. 6, the total credit is too high: his credit card amount is too high may also appear into the dark room. This is a new situation that began to appear in the second half of last year. This is not easy to break.   The cracking method is still normal card swiping, consumption, don't blow up, 7 or 8 percent, full repayment, more real consumption, more merchants and more small consumption, can spend more on the palm of life, occasionally do a few staging, overseas consumption has an advantage But not so god, don't be superstitious. Move bricks directly, this is king! All of this is to increase the contribution and get rid of the dark house as soon as possible.        The biggest impact of the small black house is that it can't stabilize the amount, and it reflects the lack of comprehensive score. You can look at your own APP, whether it exists in the small black house and don't know it. Keep a good card and keep it low. Liabilities contribute to the increase in card credits. You are welcome to leave a message and share your own black house experience and the way to get out of the dark house. I wish you all, missed the black house!
  • 8181
  • All kinds of overseas big hair, under the big credit card news, welcome to pay attention to WeChat public number [木木说卡] Big hair is outside the country The best season in March, friends who travel in Hong Kong can see how to use the China Merchants Credit Card to superimpose 4 major overseas activities to win big gifts, receive a large number of points and 2 nights free hotel, friends who have a recent travel plan can arrange their plans! All four activities are superimposed and involved, suitable for high-stakeholder cardholders. See your own arrangements and itinerary plan. Envy the deep cardholders. Activity intersection: Pocket Life - Featured - See 5 times points in the drop-down point - Click on the point [very Hong Kong] entrance, activities are inside Activity 1: Every Friday, 6 days offline, the highest score is 5000 points. Each brush is 3 pens, and each pen is over 300 yuan and 3 pens lead 500 points, each household has a maximum of 2000 points; the consumption is over 20,000 yuan and then 3000 points. The activity time is June 30th, 18th, the points are valid until June 30th, 19th, and the points need to be collected. The route in the above picture is [very Hong Kong] entrance total consumption of 12 yuan 300 yuan + and a total of 20,000 yuan, finished 5000 points. Activity 2: Overseas credit card pen enjoy points red envelope Each household receives a maximum of 40 red envelopes. The larger the amount of overseas credit card, the greater the bonus red envelope. According to the first activity, the consumption of a single 300 yuan can reward 58 points, and the 1,000 yuan or more can receive 258 points. The maximum number of points will be 10, and the points will be valid until June 30, 19th. Online consumption is not counted. According to the 10 red envelopes per file (a total of 40 strokes, according to your own consumption), you can receive points 10* (18 + 58 + 158 + 258) = 4920 points after consumption, the points can be found in the "discovery - palm number - Check on the account manager", the event will be held until March 31, 18 Activity 3: Overseas consumption of 50,000 to send 2 select hotels worth two or three thousand Spend over 30,000 yuan and send 1 room; spend 50,000 yuan and send 2 rooms. The price of the hotel is 1,500 yuan, the two can be worth 3,000 yuan, the recommended hotel has the following 3, the price of the query on the flying pig is as follows: Hangzhou Panhai Diaoyutai Hotel Deluxe: worth 1,500 yuan Hong Kong Excelsior Hotel Premium: Value 1600 yuan Beijing Huabin Fairmont Hotel Luxury: Ctrip price 1000 yuan The above hotels do not include breakfast. The event needs to be consumed with 62 UnionPay cards. The city card with 62 starts with the best consumption. The number is limited. Half a month is almost over. The number of places is only less than 100. The participation in this event is still very rare. The quota is sufficient. After all, there is not so much overseas consumption. Ps: Activities do not require registration, activities include overseas online consumption, do not include overseas cash advances, through third-party payment transactions such as Alipay WeChat Activity 4: Hong Kong Suning's highest return of 1,800 yuan Miss Sisters who need Hong Kong's long-term electronics shopping ~ Hong Kong's overseas activities are superimposed. The rebate in Hong Kong's Suning consumption is the highest. In Hong Kong, Suning's consumption can be up to 1,800 yuan. Resources can be moved! Single pen 3500 yuan, cash back 100 yuan; single pen 6000 yuan, cash back 150X yuan. If you want to combine activities 1, 2, 3, a total of 50,000 yuan, with a single 3500 of 15 best, you can win most of the above activities. The strongest activity strategy, according to the event hotel 2, a total of 15 3500 yuan (52,500 yuan), the rewards are as follows: Activity 1 of 5000 points Activity 2 2580 points (up to 10 points red envelope per score file) Activity 2 of 2 nights hotel, worth 3,000 yuan Activity 4 of 1800 yuan cash back Use 1.5 times loyalty card basic points = 52500/20*1.5=3928 points ———————— Hong Kong Suning consumes 52,500 yuan, and gets 11500 points (worth 1000 yuan) and two nights hotel (worth 3,000 yuan). The average person does not have such a large consumption demand, only can receive small consumption points, and give Hong Kong Suning consumers (big yellow cattle);

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