Is it easy to apply for the Titanium Platinum Credit Card of China Construction Bank

Compared with the standard platinum card, the application conditions for the Titanium Platinum Card are slightly lower.

At present, there are two ways to apply, one is online application, and the other is online application for outlets. The procedure is relatively simple, and no additional financial proof is required. The bank will focus on the nature of the landlord, social security and financial resources. If you don't pay much or not, this method is not very recommended for

outlets. This is a traditional method for handling credit cards. When applying, you should bring proof of work income (work permit, employment certificate, salary card flow (preferably more than 3 months), tax bill, social security bill, provident fund bill for the last 3 months, etc., not all of which are required, but you can). If you can attach some financial proof, (If the proof of work income can't be provided perfectly, it's best to have proof of financial resources)

And the whole approval time of his credit card takes about 2-25 working days, which is like a month. The landlord can know the approval progress of your card through the "application progress query" on his credit card homepage.

what level of credit card is titanium card? Introduction of titanium card level quota!

There are many ways to classify credit cards, and the common one is credit card grade. We generally refer to credit card grades as Puka, Gold Card, Platinum Card and Diamond Card. But there is also a titanium card, which is also one of the credit card grades, but it is not very common. Many friends don't know what level of credit card the titanium card belongs to, and how much the quota will be after application. Let's introduce it to you today!

Grade of Titanium Card

Generally, the credit card grades of banks are from low to high: Puka, Gold Card, Platinum Card and Diamond Card, but the grade of Titanium Card is actually determined by the banks themselves.

Like the titanium card of China Everbright Bank, the level is between the gold card and the platinum card. Some banks will call it Little Platinum, while others will call it Titanium Card. In fact, they are all the same, just different names.

limit of titanium card

titanium card can be a dual-currency card or a UnionPay card, depending on how the bank wants to define it. As for the amount of titanium card, naturally, the bank has the final say.

Take China Everbright Bank as an example. The official customer service replied that the amount of titanium card was about 5, yuan, but many friends applied for 6, yuan or 7, yuan. In fact, the card level has little to do with the amount of the card, and it still depends on personal qualifications. As for the graduation amount, the gold card is 5, yuan, so the titanium card must be at least 5, yuan.

as can be seen from the above, the grade of titanium card is before gold card and platinum card, which is similar to our common small platinum card, but small platinum is also called platinum card directly, and titanium card is one grade lower than platinum card. In addition, the titanium card is generally a joint card, which is relatively easy to apply for, and the annual fee is mostly exempted, which is still good.

what is the difference between Marriott titanium card and platinum card? What are the standards of these two?

First, the difference

The difference is roughly reflected in four aspects

First, the annual fee

Titanium Platinum Card: the main card is 38 yuan, and the supplementary card is 18 yuan, and the annual fee is exempted if you spend money by swiping the card or withdraw cash for 6 times (unlimited amount) every year. The annual fee of standard platinum card is the main card: 58 yuan, and the supplementary card: 3 yuan. There is no annual fee for spending by credit card or withdrawing 1 cash (unlimited amount) every year.

second: card logo

titanium platinum card is a Unionpay single logo credit card, while standard platinum card is a UnionPay-MasterCard and UnionPay -VISA double logo credit card, which can be traded overseas through international organizations (MasterCard and VISA) and is widely used.

third: card material

titanium platinum card is an IC chip credit card, and the chip can encrypt the data in the card, which has an indispensable feature to prevent the card from being stolen. The standard platinum credit card is a single magnetic stripe medium credit card.

fourth: payment method

in addition to the original credit card payment method, the landlord can pay by inserting the card in the merchant indicated by "UPCash" and directly swipe the card in the merchant that supports "QuickPass Flash Payment". These two payment methods do not need to verify the password and signature, which is very convenient to use. Standard platinum card only supports credit card payment.

2.

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the issuing bank gives the cardholder a certain credit line, and the cardholder can spend first and then repay. Quasi-credit card refers to a credit card in which the cardholder first deposits a certain amount of reserve fund according to the requirements of the bank, and when the reserve fund is insufficient to pay, it can be overdrawn within the credit limit stipulated by the issuing bank.

a Creditcard, often called a credit card, refers to a credit card in which the issuing bank gives the cardholder a certain credit line within which the cardholder can spend first and then repay. It has the following characteristics: first consume and then repay, enjoy an interest-free payment period (up to 56 days), and have a minimum repayment amount, and customers can repay by installments when they overdraw. Customers need to pay a certain amount of annual fees to the banks that apply, and each bank is different.

quasi-credit card is a single-currency single-account credit card with interest-bearing deposits and RMB for credit card spending. It has the functions of transfer settlement, cash deposit and withdrawal, credit consumption and online banking transactions. When the balance of credit card consumption [18] and cash withdrawal account is insufficient to pay, the cardholder can overdraw consumption and cash withdrawal within the specified limited credit limit and charge a certain interest. There is no interest-free repayment period. Quasi-credit card is a kind of credit card with China characteristics, and there is no such kind of credit card abroad. In the late 198s, China's banking industry introduced credit card products from abroad. Because the personal credit system in China was not perfect at that time, the banking industry in China made some changes to foreign credit card products, changing the traditional foreign credit card deposit with no interest and overdraft with interest-free period to deposit with interest and overdraft with interest.

which is better for China Bank's full-currency titanium credit card or platinum credit card?

China Bank's titanium credit card and platinum credit card both have financial functions such as revolving credit and installment payment, and the annual fee amount and exemption policy are different. BOC Platinum credit card is mainly issued to high-end customers, enjoying exclusive rights such as double points in consumption abroad. You can contact your local BOC outlet for advice on handling the card.

the above contents are for your reference. please refer to the actual business regulations.

Ask CCB about the difference between the global payment standard platinum and titanium platinum

1. The annual fee policy benefits are different

The annual fee for the standard platinum card is 58 yuan/card/year, and 1 purchases/withdrawals are exempted from the annual fee for the current year.

the annual fee for the titanium white gold master card is 38 yuan/card/year, and the annual fee is exempted for six purchases/withdrawals each year.

II. Different logos

Titanium Platinum Card is a Unionpay single logo credit card.

the standard platinum card is a dual-logo credit card of UnionPay-MasterCard and UnionPay -VISA, which can be traded overseas through the network of international organizations (MasterCard and VISA) and is widely used.

3. Different payment methods

In addition to the original credit card payment method, the titanium platinum card can also be inserted into the merchants indicated by "UPCash" and directly traded in the merchants supporting QuickPass flash payment. These two payment methods do not need to verify passwords and signatures, which is very convenient to use.

Extended information:

Features of CCB's global payment card:

1. Global payment in full currency is recorded in RMB

Longka global payment card is used at home and abroad, and all transactions (including credit card consumption, online consumption, withdrawal, etc.) are automatically purchased, converted into RMB, recorded in the RMB account of Longka global payment card, and the card is held.

2. Free of foreign exchange handling fee

When it is used in all countries or regions in the world, it is free of foreign exchange handling fee, and the expenditure is more favorable.

3. Comprehensive protection for domestic and overseas travel

1. Aviation accident insurance (standard platinum card, titanium platinum card and gold card) Cardholders can enjoy high aviation accident insurance of 5 million yuan for standard platinum card, 2 million yuan for titanium platinum card and 1 million yuan for gold card by swiping their cards to purchase air tickets or pay travel expenses (including air tickets).

2. Flight and baggage delay insurance Cardholders can get up to 3, yuan of flight and baggage delay insurance if they spend more than 4 hours on a flight by swiping their cards to purchase air tickets or pay travel expenses (including air tickets).

3. overseas card loss protection cardholders can enjoy the card loss protection service of up to 2, yuan for standard platinum card, up to 15, yuan for titanium platinum card and up to 1, yuan for gold card.

iv. Consumer credit services for studying abroad

Families studying abroad can apply for the main supplementary card of Longka Global Payment Card, and enjoy many consumer credit services such as consumption, bills, and installment of study abroad expenses.

5. Special services for global business travel (exclusive to customers with titanium platinum card and standard platinum card)

Enjoy special services for global business travel, including: platinum secretary, global preferential merchants, international air tickets, hotel reservations, etc.