How to tell whether a credit card is a gold card
The card face is golden
The difference between China Merchants Bank ordinary card and gold card:
First, the amount of ordinary card is 3, yuan to 1, yuan; Gold card 1 yuan to 5 yuan;
second, ordinary cards enjoy discount treatment in special merchants; The gold card has no discount;
3. The consumption pattern of gold card customers' credit cards is set to consumption by signature. In the 48 hours before the customers report the loss of their credit cards, China Merchants Bank will compensate for the loss of stolen credit cards, totaling 15, yuan annually; Ordinary cards accumulate 1, yuan.
In addition, the difference between China Merchants Bank's general credit card and gold card is also reminded in the charging standard of annual credit card fee.
general credit card of China merchants bank: the main card of the general card is RMB 1 yuan, and the supplementary card of the general card is RMB 5 yuan;
China merchants bank credit card gold card: the main card of the gold card is RMB 3 yuan, and the supplementary card of the gold card is RMB 15 yuan;
China merchants bank credit card platinum card: the main card of the platinum card is RMB 3,6, and the supplementary card of the platinum card is RMB 2,;
China merchants bank unlimited card: RMB 1, per card for the main wireless card and RMB 5, per card for the supplementary wireless card;
elite business card of China merchants bank: RMB for each card, RMB for 3 yuan business card, RMB for 1 yuan purchasing card and RMB for 5 yuan.
China Merchants Bank Platinum Card has no annual fee exemption policy. If it is successfully applied, it must pay an annual fee. China Merchants Bank Puka and Gold Card are exempt from the annual fee in the first year and the annual fee in the following year after swiping the card for six times. Alipay recharge is included in the number of consumption.
how to distinguish the credit card grades of CCB?
The credit cards of China Construction Bank are divided into four grades, from low to high: ordinary card, gold card, platinum card and diamond card. \ Details are as follows: \ Ordinary card: The lowest credit card rating of CCB is ordinary card, and the credit line of this kind of credit card is the lowest. The credit limit of CCB's ordinary card is generally only about 5, yuan. If the cardholder applies for a credit card for the first time, CCB will generally start issuing it from the ordinary card. Gold card of CCB's credit card level: Generally, CCB does not directly handle gold cards for individuals who have no credit history of ordinary cards, and the examination and approval of gold cards is stricter than that of ordinary cards, and applicants will be required to provide proof of income and good credit history. Platinum Card: It is a relatively high-level credit card. The cardholders of this kind of credit card can not only get value-added services such as airport VIP treatment, exclusive customer service telephone line service, high traffic insurance and so on, but also enjoy the VIP counter channel of the bank. However, this kind of CCB credit card has a high level and generally charges a high annual fee. Diamond Card: This is the highest-level credit card launched by CCB in order to lock in the consumer market at the top of the pyramid due to the increasingly fierce competition in the financial environment, and usually enjoys more respected services and rights than platinum cards.
how do I know if China merchants bank's credit card is a gold card?
hello, you can try to make a comprehensive judgment by card color, credit limit, etc.
Gold cards are generally golden yellow, but it is not excluded that only one card is issued, or one set is issued according to the standard of ordinary cards. Details can be seen from the family photo here:
Generally, the quota is more than 1, yuan. If neither of the above two methods can be judged, it can only be judged by our customer service staff.
If you have any other questions, I suggest you consult "Customer Service Online"; logincmu=。 Thank you for your attention and support!
How do you know what kind of card your credit card is
How to know what kind of card your credit card is: 1. Call the customer service hotline directly on the back of the credit card for inquiry; 2. Bring your ID card and credit card to the bank counter for inquiry, and there will be no charge during inquiry; 3. Inquire through the bank official website, provided that the user has opened online banking. Credit cards are generally divided into Puka, Gold Card, Platinum Card and Diamond Card.
different types of credit cards will have certain differences in the credit line. Generally, the credit line of ordinary cards is below 1, yuan, the credit line of gold cards is between 1, yuan and 5, yuan, and the credit line of platinum cards is above 5, yuan. However, the specific credit line needs to be given according to the financial proof submitted by users.
users must repay their credit cards on time after daily consumption, and there should be no overdue repayment. In case of repayment difficulties, users can use installment repayment or minimum repayment amount, which can effectively reduce the monthly repayment amount, avoid overdue repayment and generate no penalty interest.
overdue repayment of credit cards will affect personal credit information. If personal credit information becomes bad, subsequent handling of various loans will be affected. In fact, when an individual can't repay the arrears on time, the user can borrow money from friends around him, so as to avoid overdue, but the follow-up should be returned to friends in time.
excuse me, how can I check my credit card rating?
you can check by calling the bank credit card or according to the color. The gold card is gold, and the ordinary card is blue, green and pink. Most banks are like this. But black and silvery white, it may be a diamond card.
1. Card issuers generally issue different grades of credit cards according to the social status, economic strength, purchasing power and credit rating of credit card applicants. It can be roughly divided into Puka, Gold Card, Platinum Card and Unlimited Card. With the improvement of credit card grade, the corresponding credit limit is also higher and higher. Generally speaking, the maximum limit of ordinary credit cards is 1, yuan, the maximum limit of gold cards is about 5, yuan, the maximum limit of platinum gold cards is tens of thousands to hundreds of thousands, and the unlimited minimum limit cards are not just hundreds of thousands. The continuous rise of credit cards also means the continuous improvement of rights and interests. Only high-level credit cards can enjoy many high-end services.
2. The credit limit of ordinary cards is the lowest. The credit limit of ordinary cards in China is generally only 5 RMB. Goldcard (Goldcard) Generally, banks do not directly apply for gold cards for individuals who have no credit history of ordinary cards, and the approval of gold cards is stricter than that of ordinary cards, and applicants will be required to provide proof of income and good credit history. China's gold card credit amount is generally between 1, and 5, RMB. Platinumcard or diamond card is a credit card issued by card issuers to distinguish it from gold card customers. Generally speaking, it adopts membership system, with customer service telephone hotline service and value-added services that are highly respected. Platinum card (diamond card) is the highest level of credit cards issued by Chinese banks at present. The approval of platinum card (diamond card) by banks is very strict, and the application conditions are also very harsh. Only a small number of high-income or leaders can apply. Its credit limit is generally 1 to 1 million RMB.
3. customers can check the star rating through online banking or telephone banking, mobile banking and business outlets, or consult the customer service manager. Seven-star customers: the star point value is above 8 (inclusive); Six-star customers: the star point value is 1 (inclusive) ~ 8; Five-star customers: star point value 2 (inclusive) ~ 1; Four-star customers: the star point value is 5 (inclusive) ~ 2; Three-star customers: star point value 5 (inclusive) ~ 5; Quasi-star customers: star point value (excluding) ~ 5.
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Although they are all credit cards, the types and grades of credit cards are different, and the credit lines granted by banks are also different. Some people often complain online that their credit card limit is too low, and envy others that they can have more than 1, or even hundreds of thousands of credit cards. Complaining that the bank doesn't withdraw money from your credit card is not because the bank doesn't withdraw money from your credit card, but because your credit card level is not enough and the credit card amount is not much higher.
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How to see whether a credit card is a general card or a gold card
Simply put, the appearance. Different colors, the gold card is gold, and the ordinary card is blue, green and pink. Most banks are like this.
You can inquire in the following ways:
1. Call the customer service hotline to inquire whether it is a gold card.
2. It is determined by the types of cards. For example, a youth card is a gold card.
3. Inquire through online customer service of QQ or WeChat.
for the overpaid funds or funds deposited in the credit card account when the credit card customer repays, it is necessary to pay a certain amount of fees to take out the overpaid funds. This sum can increase the available credit card limit, or be directly used for consumer repayment.
if there is overpayment in the credit card, the overpayment will be deducted first, and then the credit line will be deducted. If the overpayment is greater than the consumption amount, there will be no overdraft. Overpayment is interest-free.
a CreditCard is a credit certificate issued by a commercial bank or a credit card company to a qualified consumer.
a credit card is a card with the name of the issuing bank, expiration date, number and cardholder's name printed on the front. Consumers with credit cards can go to special commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the specified limit.
The function of credit card:
1. It is convenient for people's life and saves the trouble of carrying cash. Moreover, there is no geographical restriction in using credit card. No matter where you swipe your card in China, you can swipe it as long as you have the UnionPay logo, and there is no handling fee;
2. Be able to participate in various discount activities in cooperation between merchants and banks;
3. The points earned by credit card spending can be exchanged for gifts;
4. Repayment in time after swiping the card will enhance the credibility of personal banks.
Use of credit card:
1. Shopping.
2. Microfinance.
3. save money.
4. Save money by shopping.
5. Value-added services of credit cards to obtain cheap insurance and travel.
6. Credit certificate.
Cash withdrawal methods for credit cards are as follows:
1. Counter cash withdrawal:
Cardholders can take their credit cards to any bank counter, apply to the staff for cash withdrawal, and then enter the withdrawal password with their help to withdraw cash.
2. Cash withdrawal by binding cards:
Cardholders can bind their credit cards with a peer savings card in credit card online banking, and then transfer the credit line to the savings card, and then use the savings card for consumption. This behavior is also called cash withdrawal.
3. ATM cash withdrawal:
Insert the credit card into the ATM, enter the payment password of the credit card, select cash withdrawal, then enter the cash withdrawal amount, and finally confirm.
the ways to repay money by credit card are:
1. repayment by ATM. Cardholders can go to the ATM of the bank to make a card deposit, and depositing money into the credit card means paying back the money.
2. repayment by mobile banking. All major banks have mobile banking software, which can repay credit cards after being installed on mobile phones.
3. Alipay repays. There is a credit card repayment function on Alipay. Click "Credit Card Repayment" on the homepage, and you can repay after binding the credit card.
4. wechat repayment. There is a credit card repayment function on WeChat. Click "I"-"Pay" to see the "Credit Card Repayment" function.
5. repayment at the bank counter. Cardholders can go to bank outlets with credit cards, ID cards and cash, and handle credit card repayment business at the counter.
how do you know if a credit card is a gold card? Let's stop here.