gold card credit card application conditions

1. Have a certain social status, such as working as a manager in a listed company, a manager in a state-owned enterprise, and a manager in a Fortune 5 company. (Optional)

Second, the income meets certain requirements. For example, the gold card of China Merchants Bank requires the cardholder's average daily total assets to be greater than or equal to 5, yuan (equivalent to RMB) last month, and the gold card of China Construction Bank's Longka Credit Card requires the cardholder's annual income to reach 6, yuan. (Optional)

Third, excellent qualifications. For example, there is no bad credit record in the personal credit information system, college education or above, and higher monthly income. (required)

after meeting the basic conditions for handling credit cards, cardholders can bring their credit cards and ID cards to the relevant banks to handle gold cards. After the cardholder handles the gold card, it will change. The cardholder shall be subject to the regulations of the relevant bank.

what is a gold card?

a gold card is a type of credit card.

compared with ordinary cards, gold card holders can enjoy more credit card discounts and conveniences. For example, overseas, gold card holders provide free emergency replacement cards and other services. For another example, the maximum amount of gold cards is 5, yuan, and the maximum amount of general cards is 1, yuan.

The gold card has a golden face, and the approval is relatively stricter than that of the ordinary card. The preferential treatment you enjoy should be good, and the quota is generally 1w~5w, and the annual fee can be waived.

credit card grade type:

1. general card:

people who apply for a credit card for the first time or have poor financial strength can apply for a general card first, and there is basically no annual fee, or they can be exempted after several swipes, and the amount is generally below 1w.

2. Platinum Card

serves high-end users' credit cards, and the approval is strict. The annual personal income must be at least 2w+, and sometimes it is necessary to deposit assets in the handling bank.

3. The diamond card

is a higher grade than the platinum card, which requires higher status of the card holder, and most of them can be handled by successful people. Therefore, the diamond card has a higher quota, which can show the distinguished status of the cardholder. Cardholders are required to earn more than one million yuan, and the amount is also one million yuan.

main uses of credit cards:

1. direct consumption function. This is the most basic function of a credit card. Cardholders can use cards instead of cash in special merchants marked with the Great Wall Credit Card of China Bank, including shops, hotels, restaurants, airports, hospitals and other places.

2. Savings deposit function. The bank will calculate the deposit and reserve fund of the credit card account at the prescribed interest rate and treat it as a savings deposit.

3. Transfer and settlement function. With the card, the cardholder can transfer payment from his own account in the business structure of China Bank.

4. ATM cash withdrawal function. Cardholders can withdraw cash at China Bank outlets and ATMs in the province.

5. overdraft function. The cardholder can overdraw the cash withdrawal and payment within the limit allowed by the issuing bank, and collect overdraft interest at the same time.

6. Collection and payment function. Cardholders can provide services such as paying wages, collecting telephone charges and accessing the Internet through Jitong for specific units that have signed contracts with banks.

what are the conditions for applying for a credit card gold card

1. Conditions for applying for a MINI credit card gold card of China Merchants Bank

Applicants for the main card who have reached the age of 18, have full capacity for civil conduct, have a legitimate and stable income source and have a good credit standing can apply for a personal credit card master card with their valid identity documents.

the cardholder of the main card can apply for a supplementary card for a natural person with full capacity for civil conduct or with limited capacity for civil conduct who is over 15 years old. If the applicant for the supplementary card is under 18 years old, he must obtain the consent of his legal representative. The cardholder of the main card bears all the debts incurred by the supplementary card.

2. Conditions for applying for credit card gold card of CITIC Bank

China residents who have reached the age of 18, have full civil capacity and good credit standing, foreigners who have permanent residence in China, and compatriots from Hong Kong, Macao and Taiwan can apply for personal credit card master card from the card issuer with their valid identity documents.

the main cardholder of personal card can also apply for supplementary cards for other natural persons with full civil capacity or natural persons with limited civil capacity. Supplementary card application materials must be confirmed by the main card holder by personal signature, customer service telephone recording, electronic signature or the way recognized by both the cardholder and the issuing bank. The main cardholder can apply for cancellation of the supplementary card at any time.

3. Application conditions of BOC Global Connect Credit Card Gold Card

Individuals with full capacity for civil conduct and legitimate income can apply for a personal master card from the card issuing agency with their valid identity documents (including ID card, military officer's card, police officer's card, pass, home visit card, passport, etc.) recognized by the public security department.

the applicant for the personal master card can apply for no more than three supplementary cards for his spouse and his immediate family members with civil capacity; All the funds used in the supplementary card are credited to the account of the main card, and the cardholder of the main card is responsible for repaying all the payables of the supplementary card.

Extended information

Documents required to apply for a card:

1. Identification documents of your supplementary card applicant (such as ID card, military officer's card, pass or passport, etc.)

2. Proof of your residence (such as utility bill, bank/securities/insurance/fund statement of any month in the last two months, Mobile phone bill, household registration book, driver's license, real estate license, rental contract or social security card-it must be in your own name)

Please provide any of the following five income certificates:

1. Payroll for any month in the last three months (if the name of the company is not shown in the payroll, please provide the original payroll).

2. Bank statement/passbook showing your name and income in any one of the last three consecutive months.

3. The monthly statement or detailed account list of Bank of Communications automatic salary transfer in any month of the last three months showing your name.

4. A salary certificate issued in the name of the company and showing your name (the name of the employer's company is displayed at the head or tail of the certificate and stamped with the official seal of the company).

5. The latest individual income tax bill.

reference source Baidu Encyclopedia-BOC Global Credit Card Gold Card

reference source Baidu Encyclopedia-CITIC Bank Credit Card Gold Card

reference source Baidu Encyclopedia-China Merchants Bank MINI Credit Card Gold Card

How to apply for China Merchants Bank Credit Card Gold Card?

1. You can apply at the counter of China Merchants Bank with your ID card. At the same time, it is required that the daily average assets of China Merchants Bank last month should be fully converted to RMB 5, (inclusive) under the same ID number and the same account name.

2. After the application is successful, it usually takes 3-5 working days in the same city, and after 7 working days in a branch in different places, I (who can't act as an agent) must bring a valid identity certificate and an application confirmation receipt to the counter of the designated card-issuing bank at the time of opening an account.

3. Handling fee for card collection in different places: 2% of the account balance, with a minimum of RMB yuan and a maximum of RMB 3 yuan.

Precautions for credit card use:

1. Calculate the interest-free repayment period. You can enjoy it at any time, not the 56-day interest-free repayment period promised by the bank.

2. don't overdraw. according to the measures for the administration of bank card business and the customer agreement, when the cardholder uses the card beyond the credit limit approved by the issuing bank, he will not enjoy the interest-free period, that is, the overdraft interest will be paid from the date of overdraft.

3. you don't enjoy the interest-free period, but you have to pay interest from the date of withdrawal, and you don't enjoy the interest-free repayment period, and the interest is calculated from the date of withdrawal overdraft.

This is the end of the introduction about how to handle the credit card gold card and how to handle the bank gold card. Did you find the information you need?