What are the classifications of credit cards?

Credit cards have different levels, such as regular card, gold card, platinum card or diamond card, etc. Card issuers will issue different levels of credit cards based on the credit card applicant's social status, economic strength, purchasing power, credit rating and other standards. Generally, ordinary cards are the lowest level, and high-level credit cards have higher credit limits than low-level credit cards. .

Ordinary cards are the lowest credit cards issued by card issuers, and their credit limits are the lowest. The credit limit of ordinary cards in my country is generally only 5,000 RMB.

Gold cards are credit cards with a higher credit limit than ordinary cards. Generally, banks do not directly apply for gold cards for individuals who do not have ordinary card credit records. The approval of gold cards is also stricter than ordinary cards, and applicants will be required to Provide proof of income and good credit history.

Platinum card, also known as diamond card, is a credit card launched by the card issuer to distinguish it from gold card customers. It provides more high-end services and rights than gold card, and generally adopts a membership system. It usually has service functions such as global airport VIP room privileges, high-value traffic insurance, global emergency support service (gcas), and 24-hour global dedicated telephone service.

Platinum Card (Diamond Card) is the highest-level card type among the credit cards currently issued by banks in my country. Banks are very strict in approving Platinum Cards (Diamond Card), and the application conditions are also very demanding. Only a small number of them Only those with high income or leadership can apply. Its credit limit is generally between RMB 100,000 and RMB 1 million.

Types of credit card products

According to different card issuers, they can be divided into bank cards and non-bank cards

Bank cards. This is a credit card issued by a bank. Cardholders can shop at the card-issuing bank's special merchants, and can also withdraw cash at any time at any branch of the card-issuing bank or at places with ATMs.

Non-bank card. Such cards can be specifically divided into retail credit cards and travel and entertainment cards. Retail credit cards are credit cards issued by commercial institutions, such as department stores, petroleum companies, etc., which are specially used for shopping in designated stores or refueling at gasoline stations, etc., and are settled regularly. Travel and entertainment cards are credit cards issued by the service industry, such as airlines, travel companies, etc., and are used for purchasing tickets, meals, accommodation, entertainment, etc.

According to the different objects of issuance, it can be divided into corporate cards and personal cards

Corporate cards. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, military units, groups and other legal entities.

Personal card. Personal cards are issued to urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable sources of income. A personal card is applied for in the name of an individual and he/she bears all responsibilities for using the card.

According to the credit status, status and other credit conditions of the cardholder, it can be divided into ordinary cards and gold cards

Ordinary cards. Ordinary cards are issued to cardholders with average financial strength, credibility and status, and their various requirements are not high.

Gold Card. A gold card is a high-end credit card that pays high membership fees and enjoys special benefits. Cards are issued to those with higher credit standing, stronger repayment ability and credit, or those with a certain social status. The authorization limit of the gold card starts from a higher level, and the additional service items and scope are much wider, so the requirements for relevant service fees and security deposits are also relatively high.

According to different repayment methods, credit cards can be divided into credit cards and quasi-credit cards

Credit cards. When the card-issuing bank provides bank credit, it is first used as an overdraft, and then repaid or paid in installments. Most of these cards are used internationally. That is to say, the way that cardholders are allowed to pay off their credit card accounts without deposits is "spend first, deposit later". Most of these cards are used internationally.

Quasi credit card. It is a credit card issued by a bank that allows you to deposit money first and spend later. When applying for a credit card, cardholders need to deposit a certain amount of money in the card-issuing bank for backup. Cardholders need to use the deposit balance as a basis when using the card. Overdrafts are generally not allowed.

According to the different circulation scope of credit cards, they can be divided into international cards and regional cards

International cards. An international card is a credit card that can be used outside the country of issue and is accepted worldwide.

The five major overseas groups (MasterCard, Visa International, American Express, JCB and Diners Club) issued MasterCard, VISACard, American ExpressCard and JCB respectively. (JCBCard) and DinersClubCard are mostly international cards.

Regional card. A regional card is a credit card that can only be used within the issuing country or within a certain region. Most of the various credit cards issued by commercial banks in my country are regional cards.

Various types of credit cards

Category: Business/Financial Banking

Problem description:

Including the name, purpose and issuer of the credit card

Analysis:

International credit cards are divided by brand, mainly visa, master, AMERICAN EXPRESS, in addition to Japan's jcb and Diners Club.

The most commonly used ones are visa and master.

There are many according to the issuing bank. The four major banks and other commercial banks basically issue their own international cards. It depends on what you like.

To apply for a credit card, you need to submit an application form and some personal information (proof of identity and financial resources, etc.). It may be helpful to have a copy of your real estate certificate or driver's license and a copy of your bank deposit slip/passbook. Your credit limit.

Among them, the required materials include: copy of ID card, income certificate/work certificate. Some banks may also require you to provide professional title certificates, real estate certificates and other materials. If the company can apply for the card as a group, the conditions may be relaxed. Generally, in addition to a copy of the ID card, only a copy of the work permit/plate is required.

You can obtain the application form at each bank's business branch, download it from the bank's credit card website, or call their customer service hotline to obtain it.

Just fill out the application form and send it to the credit card center together with proof of identity, employment certificate and other materials. Generally, you can check the application progress on the website or by phone after 7 to 10 working days.

The following are the credit card websites and customer service telephone numbers of several banks. I hope it will be helpful to you:

China Merchants Bank Credit Card Website:

China Merchants Bank Credit Card Customer Service Telephone Number: 800-820-5555

Bank of China credit card website: card.bank-of-china

Bank of China credit card customer service hotline: 40066-95566

Bank of Communications website: bankm/jhindex.jsp

Bank of Communications credit card customer service hotline: 800-988-8888

Industrial and Commercial Bank of China website: icbc

ICBC customer service hotline: 95588

China Construction Bank: ccb/portalhome/index

CCB Credit Card Customer Service Hotline: 800-820-0588

Agricultural Bank of China: abchina/abcon/pages/index

Agricultural Bank of China customer service phone number: 95599

CITIC Industrial Bank:

ecitic/bank/

CITIC Credit Card customer service phone number:

China Everbright Bank:

cebbank/cebindex

Everbright customer service hotline: 95595

Guangdong Development Bank Credit Card:

ebank.gdb/ minfo/creditcard/product_show/index

Guangfa customer service hotline: 95508

China Minsheng Bank:

cmbc/cmbc/column/index/index

Minsheng Credit Card customer service hotline: 800-810-8008

Shenzhen Development Bank:

sdb/

Shenzhen Development Bank customer service hotline: 95501

Credit card application of China Construction Bank:

Go to the counter and ask for an application form, just fill it out

The following certificates must be provided:

◇ If you are an applicant with local household registration, you need to provide:

①Copy of ID card; ②Proof of income; ③Proof of residence; such as: telephone bill, water, electricity, coal (gas) of the fixed residence in the last month Fees, property management fees, cable TV fees, Internet broadband fees payment receipt (the account name on the payment receipt should be the applicant's own, if it is not specified or it is not the person's name, the household registration book must be provided);

◇You If you are an applicant with a non-local household registration, you need to provide:

① ID card; ② Proof of income; ③ Proof of real estate (household registration within the jurisdiction of the card issuing bank);

◇ If you are an overseas person ( Including compatriots from Hong Kong, Macao, Taiwan and overseas people), you need to provide:

① Passport; ② Residence permit issued by the Chinese public security department and valid for more than one year; ③ Proof of income; ④ Provide a guarantor (card issuer Household registration within the bank's jurisdiction) or security deposit (minimum deposit amount of 5,000 yuan);

◇If you are a private owner, you need to provide:

①ID card; ②Real estate certificate; ③Business legal person business A copy of the license and proof of tax payment by the company in the past three months (if you do not have a business license, in addition to submitting an application form and a copy of your ID card, you must also provide a guarantee).

What are the types of credit cards?

Credit cards are divided into two types: credit cards and quasi-credit cards:

1. A credit card means that the cardholder has a certain credit limit and can use it within the credit limit. A credit card that is repaid after consumption;

2. Quasi-credit card means that the cardholder deposits a certain amount of reserve fund as required. When the balance of the reserve account is insufficient for payment, the credit card can be used within the specified credit limit. Quasi-credit card with internal overdraft.

1. According to different card issuers, they can be divided into bank cards and non-bank cards

1. Bank card

This is a credit card issued by a bank. Cardholders can shop and consume at the card-issuing bank's special merchants, and can also withdraw cash at any time at any branch of the card-issuing bank or at places with ATMs.

2. Non-bank cards

This type of card can be specifically divided into retail credit cards and travel and entertainment cards. Retail credit cards are credit cards issued by commercial institutions, such as department stores, petroleum companies, etc., which are specially used for shopping in designated stores or refueling at gasoline stations, etc., and are settled regularly.

Travel and entertainment cards are credit cards issued by the service industry, such as airlines, travel companies, etc., and are used for purchasing tickets, meals, accommodation, entertainment, etc.

2. According to the different objects of issuance, it can be divided into corporate cards and personal cards

1. Corporate cards.

Company cards are issued to various industrial and commercial enterprises, scientific research and education and other institutions, national party and government agencies, military units, groups and other legal organizations.

2. Personal card. Personal cards are issued to urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable sources of income. A personal card is applied for in the name of an individual and he/she bears all responsibilities for using the card.

3. According to the credit status, status and other credit conditions of the cardholder, it can be divided into ordinary cards and gold cards

1. Ordinary cards.

Ordinary cards are issued to cardholders with average financial strength, credibility and status, and their various requirements are not high.

Gold Card. A gold card is a card that pays high membership fees and enjoys special benefits. 2. Credit card.

Cards are issued to those with high credit, strong repayment ability and credit, or those with a certain social status. The authorization limit of the gold card starts from a higher level, and the additional service items and scope are much wider, so the requirements for relevant service fees and security deposits are also relatively high.

Definition of credit limit:

Credit limit, also known as "credit limit", refers to a certain amount of credit limit granted by a bank to its basic customers, that is, within a specified period of time, the enterprise This much amount can be recycled. For example, if a company applies for a one-year export bill quota of US$2 million, and the company uses it five times, the usable amount is US$10 million (the procedure only needs to be completed once, and the other procedures are very simple). If it is used ten times, it can be used The amount is 20 million yuan, which on the one hand solves the short-term difficulties of the company, increases the speed of the company's capital circulation, and also improves the efficiency of the company's capital use.

Credit card types and introduction

1. According to different card issuers, they can be divided into bank cards and non-bank cards

1. Bank cards. This is a credit card issued by a bank. Cardholders can shop at the card-issuing bank's special merchants, and can also withdraw cash at any time at any branch of the card-issuing bank or at places with ATMs.

2. Non-bank card. Such cards can be specifically divided into retail credit cards and travel and entertainment cards. Retail credit cards are credit cards issued by commercial institutions, such as department stores, petroleum companies, etc., which are specially used for shopping in designated stores or refueling at gasoline stations, etc., and are settled regularly. Travel and entertainment cards are credit cards issued by the service industry, such as airlines, travel companies, etc., and are used for purchasing tickets, meals, accommodation, entertainment, etc.

2. According to the different objects of card issuance, it can be divided into corporate cards and personal cards

1. Corporate cards. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, national party and government agencies, military units, groups and other legal organizations.

2. Personal card. Personal cards are issued to urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable sources of income. A personal card is applied for in the name of an individual and he/she bears all responsibilities for using the card.

3. According to the credit status, status and other credit conditions of the cardholder, it can be divided into ordinary cards and gold cards

1. Ordinary cards. Ordinary cards are issued to cardholders with average financial strength, credibility and status, and their various requirements are not high.

2. Gold card. A gold card is a high-end credit card that pays high membership fees and enjoys special benefits. Cards are issued to those with higher credit standing, stronger repayment ability and credit, or those with a certain social status. The authorization limit of the gold card starts from a higher level, and the additional service items and scope are much wider, so the requirements for relevant service fees and security deposits are also relatively high.

4. According to different repayment methods, credit cards can be divided into credit cards and quasi-credit cards

1. Credit cards. When the card-issuing bank provides bank credit, it is first used as an overdraft, and then repaid or paid in installments. Most of these cards are used internationally. That is to say, the way that cardholders are allowed to pay off their credit card accounts without deposits is "spend first, deposit later". Most of these cards are used internationally.

2. Quasi-credit card. It is a credit card issued by a bank that allows you to deposit money first and spend later.

When applying for a credit card, cardholders need to deposit a certain amount of money in the card-issuing bank for backup. Cardholders need to use the deposit balance as a basis when using the card. Overdrafts are generally not allowed. At present, the credit cards issued by banks in our country are basically quasi-credit cards, but cardholders are allowed to make good-faith, short-term, and small overdrafts for consumption purposes. Different limits are stipulated according to different card types, and within the specified period Repay the loan and pay interest at the same time. So, essentially a debit card with some overdraft functionality.

5. According to the different circulation scope of credit cards, they can be divided into international cards and regional cards

1. International cards. An international card is a credit card that can be used outside the country of issue and is accepted worldwide. The five major overseas groups (MasterCard, Visa International, American Express, JCB and Diners Club) issue MasterCard, VISACard, American ExpressCard and JCB respectively. (JCBCard) and DinersClubCard are mostly international cards.

2. Regional card. A regional card is a credit card that can only be used within the issuing country or within a certain region. Most of the various credit cards issued by commercial banks in my country are regional cards.

This is the end of the introduction about various types of credit cards and the differences between various types of credit cards. Have you found the information you need?