TianYao Information - To achieve a wonderful life ahead

Founded in 2002, TianYao Information works as one of the best integrated service providers for credit cards in mainland, China. It provides professional operationservices for more than 17 banks. The services includes bank credit card installments business, credit score business, credit card promotion business, bank credit card VIP customers and other added services platform. Besides, it also provides all kinds of product for hundreds of millions credit card holders to shop. TianYao Information has become a B2B2C model leader successfully.

And thanks to the accumulated big data in the passed 13 years from either banks or customers, TianYao Information expanded its business to consumption internet finance successfully at the end of 2014. 

First, it leaded to built the Online to Offline (O2O) model in internet consumption. This model covers local famous enterprises, localization preferential service business and bank terminal outlets. During this process, business runners don’t need to pay transaction fees to banks any more. While customers can enjoy installment payments or nice discounts at cooperated stores. For example, when you buy a wedding dress at an offline store, it will provide installment payments service. Or sometimes you can enjoy a nicer price in specified stores.

Its finance service also includes integrated internet consumption finance platform. There not only you can buy online products and local service, but also can buy great financial products. 

Besides, it provides lending for both personal and small business. 

Here is the corporate culture of TianYao Information:

Corporate positioning：Credit ▪Consumption▪Finance 

Corporate vision: We make your credit more valuable  

Corporate mission:To achieve a wonderful life ahead  

Business philosophy: Professionalism、Dedication；Interconnection、mutual-benefit 

Core Valus:Integrity、Responsibility、Innovation、sharing   

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How to buy an iPhone 6S by installment payments

Apple’s new iPhone 6S smartphones will launch on Wednesday,September 9 in San Francisco. For the iPhone super fans, you can consider to buy iPhone 6S by installment payments if you are on a budget. 

What’s installment on earth? It refers to a sum of money paid in small parts in a fixed period of time. A series of payments that a buyer makes instead of a lump sum to compensate the seller. Installment payments often, but do not always, include interest to pay the seller for accepting the credit risk that the buyer will not make payments in a timely manner. Installment payments can have tax advantages for the seller. Most importantly, they make expensive goods and services available to buyers who would not otherwise be able to afford them. 

On the Apple official websites, you can apply at checkout for a monthly payment plan with PayPal Credit or apply for special financing with a Barclaycard credit card. 

While in China, TianYao Information is a well-designed website for installment. As a professional for Credit card consumer integrated service provider for more than 17 powerful banks and hundreds of millions of credit card users, it can assume consumers’ credit and give the perfect plan for every customer. 

Thanks to installment payments, it make expensive products more affordable than ever.

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5 Must-have credit cards for traveling

Do you love traveling? If your answer is yes, you should apply for one of these five credit cards for traveling. These cards offer bonus traveling miles. You can earn more points when you consume in restaurants or hotels. Better, there is no foreign transaction fees overseas. Now we will show you the best 5 credit cards you should own for traveling.

1. Chase Sapphire Preferred Card

You will receive 40,000 points when spending $4,000 in the first 3 months, worth up to $500 in travel bookings through Ultimate Rewards. Earn 5,000 bonus points after adding an authorized user to your account and making a purchase within the first 3 months of card membership. Earn 2 points for every $1 spent on travel and dining at restaurants, and 1 point per $1 for every other purchase. No foreign transaction fees. $95 annual fee waived the first year. 

2. BankAmericard Travel Rewards Credit Card

This card rewards you with points that can be redeemed towards travel purchases. You can qualify for 20,000 online bonus points when you use your new credit card to make at least $1,000 in purchases within 90 days of the account opening date. Those 20,000 online bonus points can be a $200 statement credit towards travel purchases. You earn 1.5 points per $1 spent on all purchases you make with this card. The total amount of points you can earn is unlimited and points do not expire. Redeem points for statement credit towards your travel purchases. Bank of America customers with an active Bank of America checking or savings account benefit from an additional 10% points bonus on every purchase. Preferred Rewards clients can increase that bonus to 25%-75%. Enjoy 0% introductory APR on purchases for the first 12 billing cycles, then 14.99% - 22.99% variable APR on purchases. Benefits include no foreign transaction fees and chip technology. This card has no annual fee.

3. Capital One Venture Rewards Credit Card

This Capital One card rewards you with a one time bonus of 40,000 miles once you spend $3,000 on purchases within the first 3 months. These bonus miles are worth $400 in travel. Earn 2 miles for every $1 spent on all purchases. Earn unlimited miles that don't expire. Fly anytime, on any airline, without any blackout dates. No foreign transaction fees. Enjoy extended warranty, purchase protection, auto rental insurance, travel accident insurance, advanced ticket sales to entertainment events, 24/7 concierge service, and much more. No annual fee for the first year, $59 after that.

4. IHG Rewards Club Select Credit Card 

This is a hotel credit card for people with excellent credit. You will earn 60,000 bonus points after spending $1,000 in the first 3 months of account opening. After your card renewal anniversary you will get to enjoy a free night at over 4,900 hotels around the globe. Earn 5 points per $1 spent at IHG hotels, 2 points per $1 spent on gas station, restaurant and grocery store purchases, and 1 point for the rest of your eligible purchases. You can redeem your bonus points at Holiday Inn, Crowne Plaza Hotels & Resorts and Intercontinental Hotels & Resorts. Enjoy automatic platinum elite status while you're a cardmember. $0 introductory annual fee the first year, then $49.

5. Premier Rewards Gold Card from American Express

This card rewards you with 25,000 Membership Rewards points after spending $2,000 on purchases on your new Card in the first 3 months of Card Membership. Earn 3X points when you book flights directly with airlines, 2X points at US supermarkets, US gas stations and US restaurants, and 1X points on your other purchases. You can redeem your points for rewards from over 500 leading brands (travel, merchandise, entertainment, gift cards) or transfer them to a selection of frequent traveler programs. $0 introductory annual fee for the first year, then $195.

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Best 5 money-saving credit cards when dining out

What’s a good credit card for dining out? Obviously, it should help to save more money in restaurants. Take cash back percentage or points back into consideration, here we recommend these five credit cards if you always dine out.

Discover It Card  5% Cash Back

In addition to 1 percent cash back on every day spending, the Discover It card comes with quarterly 5 percent cash back bonus categories. From April to June of 2015 restaurant spending will get the 5 percent cash back boost, up to $1,500 in purchases. You must opt in to receive the quarterly cash back bonus boost. Earned cash back can then be redeemed as a statement credit, a deposit in your bank account, shopping on Amazon or even as a gift card to a large number of retailers. Discover also offers the ability to cash in $20 for a $25 gift card, $40 or $45 for $50 or $80 for $100. This card has no annual fee.

Chase Freedom  5% Cash Back

Similar to the Discover It Card, the Chase Freedom card offers 1 percent cash back on every day spending without limit and 5 percent cash back on up $1,500 spent in bonus categories each quarter. From April to June of 2015, restaurants will be included in the 5 percent bonus category, but card members must opt in for the boost. While this card has no annual fee, it does require users to earn at least $25 in cash back before they can redeem.

Santander Bravo MasterCard  3% Cash Back

Earn 3 points (up to 15,000 points per quarter) for every dollar spent on gas, groceries and restaurants and 1 point per dollar on all other spending with the Santander Bravo MasterCard. Points can be redeemed for airline tickets or gift cards. 10,000 points= $100 gift card, which means cash back bonus categories are capped at $5,000 worth of spending per quarter. This card comes with an annual fee of $49.

American Express SimplyCash  3%-5% Cash Back

With the American Express SimplyCash card you can choose to earn 3% cash back at US restaurants on up to $25,000 in spending per 12 billing cycles from when you 1st opened the card.

You also get 5% cash back at chain restaurants, like Red Robin, The Cheesecake Factory, and Applebee’s, when you buy those gift cards at US office supply stores.

Chase Sapphire Preferred  2%-3% Cash Back

You will also earn 2X Chase Ultimate Rewards points at restaurants with the Chase Sapphire Preferred card.  You can use this for 2% back as a statement credit.  When you use your card on the First Friday of the month you’ll earn 3% cash back at restaurants (until the end of 2015).

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Top 5 most exclusive credit cards by invitation only

What credit cards are in the wallets of the richest of the rich? Today we will introduce top 5 most exclusive credit cards in the world. You won’t own such one no matter how rich you are, only when you receive invitation from credit card bank.

1. American Express’ Centurion Card (Black card)

Clearly it’s a card by invite only, American Express has kept their lips sealed about the cardholders. We are positive some of worlds wealthiest families and celebrities have received the black titanium rectangle.

The privileges, as expected, are many. The exclusive card gives you access to luxurious airline services and super premium hotels and restaurants worldwide. For example, if you want reservations in a restaurant with a six-month waiting list, it helps if you own that piece of titanium. Or, if you want a last-minute first class airline ticket, flash your black card. Bank on receiving invites to private cultural events and having access to personal shoppers at major retailers.

Known as the “black card”, the AMEX charge card offers a $1,650,000 credit limit but the annual fees are set at $4150 with a $3290 joining fee.But you get one only if you are on the list. Though I must add, you need pay off at least $250,000 worth of purchases every year.

2. JPMorgan Chase Palladium Card

The JPMorgan Chase Palladium Card is definitely one of the most exclusive cards around. Granted it’s justified considering it’s made of 23-karat gold.

Concierge and airport lounge access is a given but you are also entitled to special deals on private jet services and upgrades at luxury hotels.

Would you pay a staggering $7,500 for a credit card? $5,000 is the initiation fee while the renewal fee is at $2,500. Even you are willing to dish out this hefty amount each year, getting the card isn’t that easy. “If you happen to have an extra $25 million that you are willing to let JPMorgan Chase manage for you, you can get the card.” says Bloomberg.

3. Dubai First Royal Mastercard

If you live in the UAE and want an exclusivity, then this will be right up your alley. The actual card is made with gold and has an embedded diamond (albeit a very small one) and like the AmEx Centurion, there is no pre-set spending limit.

How to qualify? Initially it was only offered to Dubai First bank’s 200 wealthiest customers. That was back in 2008 and it’s unknown how many cardmembers there are now, but it is undoubtedly still one of the most exclusive. In 2011 Dubai First Bank started listing the card on its website. Previously, they were very hush-hush about it. It seems there’s no annual fee, since the typical cardholder is an oil tycoon with a net worth in the 9 figures, sometimes even 10 figures (in other words, the bank makes enough money off these clients, so they don’t charge them for the card).

4. Citibank Ultima Card

There are only about 1,000 people in HongKong given the privilege to flash this by-invitation-only credit card. It charges an annual fee of HKD 23,800 with mysterious annual salary requirement. Stopped sending out invitation since this year start, its highlighted features include a dedicated Lifestyle Relationship Manager handling your lifestyle needs, great rates for yacht charter services and airport transfer limousine services. The privileged cardholder also gets 120,000 complimentary Asia Miles every year. 

5. Coutts World Card

Coutts is one of the world’s oldest banks (founded 1692), and also a private bank. To let you know how exclusive Coutts is, they are the bank of the Queen.

Coutts World card is so exclusive that only 100 people or so have been invited to have one. Basically you need to have millions in assets in order to even begin to qualify for the card.

In order to qualify, besides having millions in assets, you need to have £800,000 in disposable cash, again meaning you’re loaded. If you use the card to charge £80,000 or more each year, the bank will waive the annual fee of £560.

This credit card literally opens doors because it offers a private concierge service that allows you to go shopping at just about any store or shop after hours. I doubt you’d want to use it at the local Tesco or Asda.

This service appears to “assist” you in just about every aspect of your life, from travel plans, shopping, dining out, and even finding someone to do home repairs.

TianYao Info - Annual E-commerce Business Demonstration Enterprise

Recently, People's Republic of China Commerce Department issued the list of 2015 - 2016 annual ecommerce business model. To improve the health construction of national ecommerce business, Commerce Department commended 155 enterprises which have done well.

Among these enterprises, TianYao Info was awarded the “Annual Ecommerce Business Demonstration Enterprise ” 

As an enterprise for internet consumption and financial services,  TianYao Info regards integrity, responsibility, innovation, sharing as its core value. In the passed 13 years, it provides professional service for about 20 banks and hundreds of millions credit card holders.

TianYao Info is very professional on Credit Management, Big Data Analysis, Risk Control Management and Multidimensional Personal Credit Evaluation System. By these, it helps to improve the operation management for cooperative banks, as well as to improve the service for consumers. TianYao Info is devoting itself to great and convenient consumption experience for more and more consumers.

By the study on credit history, identity traits, transaction information and social media actions, TianYao Info keeps on digging into the value of the credit. It spreads the concept to people that personal credit value will be turn into fortune in the near future.

TianYao-Info reading: Big data affecting the Internet consumer financial

By 2015, China's Internet financial is developing rapidly.  Various internet financial form P2P loans, small loans Ali, all to raise financing, financial channels, payment methods, currency and other networks have gained rapid development in China, and even change the basic structure of consumer finance, affecting consumer lending, investment, finance and many other aspects of payments. Tmall, Baidu, Jingdong Mall and other Internet giants have set foot in the consumer finance market. According to the market report from iResearch statistics, as the Internet giants join in to the Internet financial flied, the China Internet consumer finance trading volume of above 16 billion yuan in 2014, the growth rate of over 170%. Expected in 2017, the overall market size would be over hundreds of billions RMB, in the next three-year compound growth rate will reach 94%.

As leading integrated service operator of bank credit card, BeijingTianyao Information Technology Inc. has many years of operating experience in consumer finance area. TianYao-Info presented innovative fusion O2O mode Internet consumer financial model is relying on the company's many years of accumulation in terms of products, sales channels, team and platform. In the face of the heat wave of Internet Financial, TianYao-Info homeopathy blew into Internet consumer financial sector. Consumption is one of the driving forces of economic growth; the China national policy for the development of consumer finance provides a good environment. Till now, there are almost 30 percent of households have never used a credit facility, the market space in this part can be very great.

In the Internet consumer finance filed, TianYao-Info launched a magic product, for staging your personal credit assessment platform which called SNC XinFenBao. It’s an APP launched in the mobile. The application scenario is mainly to the off-line in the initially period, such as brand stores, wedding photography shop, etc. These physical stores can deeply cooperate with TianYao-Info through the use of SNC XinFenBao APP. Not only bringing more business volume, but also to meet consumer demand for high quality of life.

Internet companies wanted access into the Internet consumer finance still faces many difficulties. Dr. Guo Haiming is Tianyao information director of Big Data department who has over ten years of experience in credit assessment of project development at homeland and abroad, he believes that the biggest problem is still the establishment of credit risk management and control model system. Loans issued by consumer finance are basically unsecured and the collection difficulty coefficient of bad debt is large. Only on the basis of credit risk analysis with large data model, accurate describe the characteristics of breach customers, cut down the credit risk to minimize, then the consumption financial profit model would be gradually clear.

TianYao-Info have been accumulated a wealth of data resources in the analysis of the characteristics of customers and risk points control based on operation in the past 10 years. And TianYao-Info has created a unique model system to control credit risk. The system involves not only traditional aspects of credit evaluation but also introduced the assessment mechanism in interactive social field, creating a multi-dimensional, comprehensive credit risk evaluation system.

Dr. Guo Haiming also noted that the development of Big Data technologies provide technical support for consumer finance provide technical support. By Big Data mining technology can not only deeper understanding of use’s consumer behavior, but also to promote continuous improvement of consumer Internet financial credit evaluation system. TianYao-Info adheres to technology-driven financial innovation, and in-depth analysis in terms of personal credit observation, ratings, etc., which provide the possibility for consumers to obtain credit via the network.

Nowadays Internet consumer finance core competence is reflected in the large data mining and analysis technology. TianYao-Info is aim to reduce information asymmetry, reduce transaction costs and improve resource allocation efficiency. In the future, promote economic growth will be the direction of efforts continue by Tianyao Information Technology Inc.

From ChinaDaily

About TianYao Information company

Tianyao Information Technology Inc.(short for “TianYao-Info”) was founded in 2002. Since TianYao-Info founded, we are focus on credit card consumption services. It is a company work for the banks credit card business. TianYao-Info is a professional consumer credit card services provider in China. TianYao-Info has been corporate with more than 17 powerful banks and offer attentive service for hundreds of millions of credit card users. With the developing of 13 years, TianYao-Info has become the leader of banking credit card operations integrated services in mainland China.

Since inception, TianYao-Info was based on the Credit card consumer integrated services, has for nearly 20 more than the national state-owned banks and joint-stock banks (such as the China Construction Bank, China Merchants Bank, Ping An Bank, CITIC Bank, Guangdong Development Bank, etc.) and hundreds of millions of credit card holders to provide a quality products, services.

 TianYao-Info is always pursue the core values of "integrity, responsibility, innovation, sharing", adhere the business philosophy of "professionalism, dedication, interconnected, mutually beneficial".  As China's first batch of integrated services in the bank's credit card business, with more than ten years of extensive credit card services operating experience and strong product advantages in resources, by the end of 2014, TianYao-Info successfully enter the field of Internet consumer finance services.  TianYao-Info vigorously promote the consumer Internet financial model, has become to the first practitioner in the Internet financial O2O model.