2. Cards of different grades: Generally speaking, the number of platinum gold cards is higher than that of ordinary cards and gold cards. Platinum cards are aimed at high-quality customers, so the requirements are higher. If the customer's financial resources and working conditions are average, it is recommended to apply for a Jinpu card, make good use of it and gradually increase it.
3. Different rules: Platinum cards are generally divided into conditional annual fee exemption and unavoidable annual fee exemption. For example, how many points or amounts a credit card reaches within one year, you can avoid the second annual fee. There is no annual fee reduction for the inevitable annual fee card unless the bank provides special reduction.
Extended data:
Precautions:
Don't take cash by credit card: there will be a certain handling fee for taking cash, which is generally between 1%-3%. Although a part of the credit card processing fee is exempted, the credit card withdrawal does not enjoy the interest-free period, and the bank will charge interest of 0.005 per day from the date of withdrawal to the day (equivalent to the annualized interest rate of nearly 20%).
The minimum repayment amount is generally 65,438+00% of the bill. The minimum repayment, like cash withdrawal, does not enjoy the interest-free period, and the interest of 10000 USD is charged every day from the consumption date in the invoice. This is the legendary rolling interest.
Installment refers to the money paid to the bank by installment. General banks provide installment payment service for 3-24 bills of exchange, with the maximum amount of 90% of the bill amount. First, the bank will charge interest (part of the bank discount) and business expenses. Because the credit card quota is fixed, and then the draft installment payment will reduce the flexible use quota and affect the next consumption.
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