The differences between China Resources Bank Platinum Card and Gold Card are as follows:

1. Different application conditions

The application condition for China Resources Bank Gold Card is that the applicant is over 18 years old , those with stable jobs and income, good personal credit, and an annual income of more than 400,000 yuan are more likely to be approved for a gold card, while those who do not meet the requirements will generally be restricted from applying.

And China Resources Bank Platinum Card cannot be applied for directly. Generally, the bank actively invites qualified customers to apply for Platinum Cards. Platinum Card customers can enjoy Platinum customer service hotline services and distinguished value-added services, and are provided with Platinum Cards. Higher-end services and rights.

2. The approved limits are different

The limit of China Resources Bank Gold Card is generally 10,000 yuan to 50,000 yuan; the limit of Platinum Card is 100,000 or even 500,000 or higher, depending on the customer’s Depends on qualification level.

3. Different annual fees

The annual fee of China Resources Bank Platinum Card is higher than that of Gold Card, while the annual fee of Gold Card is higher than that of regular card.

Credit cards, also called credit cards, are credit certificates issued by commercial banks or credit card companies to consumers with qualified credit. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date.

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the prescribed credit limit. The so-called credit card generally refers to a credit card only.

As of January 1, 2021, the credit card overdraft interest rate will be determined independently by the card issuer and the cardholder through independent negotiations, and the upper and lower limit management of credit card overdraft interest rates will be cancelled. is 0.7 times the daily interest rate of 5/10,000).