Public card is the lowest level among credit card levels. Depending on the qualifications of the applicant, the credit limit ranges from 0 to 10,000 yuan, usually not higher than 10,000 yuan. Regular cards usually can only enjoy preferential activities jointly launched by banks and various merchants, such as meal discounts, etc., and have no other special rights.

The limit of a gold card will be slightly higher than that of a regular card. Generally, the bank will only grant a gold card at the discretion of the applicant if the applicant already holds a regular card and has a good card usage record. At present, the credit limit of my country's gold card is generally between 10,000 and 50,000 yuan. The services of the gold card are slightly better than those of the regular card. Usually, the discounts are greater than those of the regular card, and the points accumulation policy is also more powerful than the regular card.

Platinum card, also known as diamond card, is currently the highest-level card among the credit cards issued by banks in my country. The approved credit limit is usually between 100,000 and 1 million. Platinum card holders can usually enjoy high-end services provided by banks such as golf, SPA, physical therapy, airport transfers, VIP lounges, etc. After all, the annual fee of the Platinum card is there.

To put it simply, unlimited card services are as long as you want them, as long as they are legal. The unlimited card is a special product designed by the bank to target high-end users, who can enjoy the supreme services and rights provided by the bank. The amount is consistent with its name, usually above one million or even unlimited. The annual fee for unlimited cards is so high that most people cannot afford it. Take Citibank's unlimited card, the Ultimate Black Card, for example. The annual fee is as high as 20,000 per year, and it is not waived.

General cards and gold cards usually enjoy the annual fee-free policy. For example, if you swipe the card 6 times or more, you will be exempted from the annual fee for the next year. If you swipe the card for more than 2,000 yuan, you will be exempted from the annual fee for the next year. Even if you need to pay, it is usually between 100-300, which is not too high.

The annual fee for a platinum card is usually around 600-1,000 yuan, and because the benefits and services it provides are better than those for regular and gold cards, the annual fee is usually not waived.

Service differences: As the saying goes, you get what you pay for. The higher the corresponding credit card level, the better the service will naturally be.

1. Ordinary Bank of Communications cards (including salary cards, Pacific debit cards, etc.) Ordinary queues

2. Bank of Communications wealth management cards (silver cards, Bank of Communications assets starting from 50,000, not counting turnover ) The financial management queue is higher than the ordinary level, and the account manager will send financial management text messages (generally very reliable)

3. Bank of Communications VIP (Ward Card, Bank of Communications assets start at 500,000, not counting turnover) ) VIP queuing has the highest priority, and Bank of Communications Platinum Credit Card (above 50,000 limit, annual fee 1,000) customers enjoy the same queuing level. There are gifts during holidays, birthday cake cards (not counting platinum credit cards)