What are the differences between China Merchants Bank's gold card and ordinary card?

China Merchants Bank's credit card is easier to get a card, but the first card is usually an ordinary card, and the amount is relatively low, so it is difficult to get a card from a gold card. However, it is possible to upgrade to a gold card as long as you insist on raising cards. Today, let's introduce the difference between China Merchants Bank's gold card and Puka.

One of the differences: different colors

Each credit card has different patterns and styles, but this difference is more obvious on the general card. In order to highlight the difference, gold is the main color element of most banks' gold cards, and China Merchants Bank is no exception.

The second difference: the annual fee is different

The annual fee charged by the gold card is higher than that of the ordinary card. Take the standard dual-currency card of China Merchants Bank as an example, the annual fee of the gold card is 3 yuan, and the annual fee of the ordinary card is only 15 yuan.

the third difference: the credit line is different

the credit line of China merchants bank's credit card is generally 3,-1, yuan, while the credit line of gold card is generally 1,-5, yuan.

The fourth difference: different card discounts

Gold cards can enjoy more preferential benefits than ordinary cards. For example, after the Ctrip co-branded card is successfully opened, the gold card will give 18 Ctrip points, and the ordinary card will give 8 points. The insurance amount of the aviation accident insurance gold card is 2 million yuan, and the ordinary card will be 5, yuan. Air China Companion Co-branded Card's Aviation Inconvenience Insurance covers 1 yuan and Puka 3 yuan.

the fifth difference: the degree of card loss protection is different

besides, the application conditions of China merchants bank's credit card gold card are much higher than that of ordinary card. If it is the first card, it is recommended to apply for ordinary card.

What is the withdrawal amount of China Merchants Bank's credit card gold card?

The credit card gold card amount of China Merchants Bank is 8-5,. The bank will comprehensively examine and approve the credit line according to the application materials submitted by the applicant, and if it is withdrawn, it will withdraw at most 5% of the credit card amount.

however, the interest-free period is not available for cash withdrawal, and the interest should be calculated from the same day, at five ten thousandths of the interest, and a certain handling fee is required. It is not cost-effective to withdraw cash. It is not as affordable as swiping a card. You can also enjoy an interest-free period and accumulate points without handling fees. If there are no special circumstances, it is recommended to swipe your card.

On December 3, 22, China Merchants Bank officially issued the first international standard dual-currency credit card in China, which opened a new era of credit card consumption for Chinese people. After more than ten years of struggle and growth, China Merchants Bank Credit Card has formed three visions of "being the best payment experience provider in China, the best consumer finance expert in China, and the leading diversified marketing platform in China", and has also won many honors.

adhering to the business philosophy of "it changes with you", China Merchants Bank's credit card constantly refreshes the cardholder's experience by virtue of product innovation and service upgrade, making it a leading brand in the credit card industry.

In recent years, China Merchants Bank has actively sought digital transformation of credit cards, forged ahead, set a precedent in the construction of financial Internet, and created a technological legend in the domestic credit card industry.

application conditions

China residents, foreigners who have permanent residence in China and compatriots from Hong Kong, Macao and Taiwan who have reached the age of 18, have full capacity for civil conduct, and have good credit standing can apply for a personal credit card master card with their valid identity documents. Personal card holders can also apply for supplementary cards for other natural persons with full civil capacity or natural persons with limited civil capacity. The main cardholder can apply for cancellation of the supplementary card at any time.

enterprises, administrative institutions, social organizations and other economic organizations authorized by legal persons who open basic account in financial institutions in China can apply for corporate cards from card issuers with supporting documents such as basic account account opening permit issued by the People's Bank of China (if applying for international corporate cards, they must also have foreign exchange settlement accounts). The qualification of the cardholder of the unit card shall be designated and revoked in writing by the legal representative of the unit or its authorized person. The applicant shall bear all debts incurred by the unit card.

when applying for a credit card for the first time, the applicant should fill in the credit card application form correctly, completely and truthfully and submit the relevant supporting documents required by the card issuer, and agree that the card issuer can inquire about the applicant's credit status from any relevant departments, units and individuals, and keep and use relevant data.

according to the credit status of the applicant, the card issuing institution decides whether to issue the card, whether to require the applicant to provide the guarantee and the way to guarantee it, and determines the way and type of obtaining the card, and the credit limit granted to the applicant. Failed application materials will not be returned.

the ways for the applicant to provide guarantee include: guarantee, mortgage and pledge. A corresponding guarantee contract shall be signed separately for the guarantee. The scope of guarantee covers all the debts incurred by the cardholder under his credit card (including but not limited to the principal and interest, over-limit fees, late fees and recourse fees for overdrafts within and beyond the credit limit).

after receiving the credit card, the cardholder shall immediately sign the same signature as the credit card application form in the signature column on the back of the credit card, and use the same signature when using the credit card for transactions, otherwise, the cardholder shall be responsible for the losses arising therefrom. Card issuers also provide cardholders with inquiry passwords and transaction passwords (i.e. cash advance passwords and credit card consumption passwords) through designated channels.

what are the benefits of the CMB credit card gold card

the gold card is a higher-end credit card. Compared with Puka, the advantages of China Merchants Bank Credit Card Gold Card are as follows:

1. In terms of credit limit, the credit limit of Gold Card is higher than Puka (the maximum credit limit of Gold Card is RMB 5,; The maximum amount of Puka is ￥ 1,).

2. Gold card holders can enjoy more credit card discounts. You can find thousands of merchants with special credit cards from China Merchants Bank in the preferential merchants section of the official website, and many merchants have given gold card holders higher discounts.

3. The Gold Card of China Merchants Bank enjoys more conveniences, such as free overseas emergency replacement cards for gold card holders.

The golden card symbolizes that you are a gold card exclusive customer of China Merchants Bank, and the gold cards are all core cards, which are more secure than the magnetic stripe cards. If you want to buy wealth management products or consult wealth management knowledge, all branches of China Merchants Bank have set up special wealth management service areas, so that gold card customers can enjoy exclusive wealth management space.

the difference between China merchants bank VISA credit card gold card and ordinary card

the application requirements of gold card are higher than ordinary card (including job stability, income and other financial conditions, etc.).

in terms of credit limit, the credit limit of the gold card is usually higher than that of the ordinary card (the maximum credit limit of the gold card is RMB 5,; The maximum amount of Puka is ￥ 1,). Except the annual fee (3 yuan per card for gold card and 1 yuan per card for Puka card), the usage method is the same.

In addition, the gold card symbolizes honor and status. Gold card holders can enjoy more credit card benefits and convenience. For example, overseas, we provide free emergency replacement cards and other services for gold card holders.

China Merchants Bank's dual-currency credit card quota is generally:

1. Puka: The quota is generally 1,-1,, and it can reach 5, where there is no gold card;

2. Gold card: Generally, the quota is 1,-5,, and the city card only has gold cards, with the quota of 5,-5,;

3. Platinum card: Generally, the amount is 5,-2,, usually around 1,.

In fact, the credit line is approved according to the information and credit status provided by the applicant at the time of application, not arbitrarily given by the bank.

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What are the dual-currency credit cards for China Merchants?

what are China merchants dual-currency credit cards? Dual-currency credit card is a kind of credit card. There must be UnionPay logo and the logo of an international credit card organization on the card face, which can be VISA, MasterCard, JCB, American Express and so on.

China merchants bank has many dual-currency credit card products. For example, China Merchants Bank ONEPIECE Navigator Credit Card, True Love Co-branded Credit Card, CarCard Auto Credit Card (National Edition), China Merchants Bank MasterCard Credit Card, Doraemon Fan Credit Card, China Merchants Bank VISA Credit Card, Ctrip Travel Credit Card, China Merchants Bank American Express Card, China Merchants Bank ELLE Co-branded Credit Card, CarCard Auto Credit Card (Zhongjing Edition), HelloKitty Fan Dual-currency Credit Card, Air China Companion Credit Card, Ruili Co-branded Credit Card, One Foundation Love Credit Card, China Merchants Bank American Express Card, China Southern Airlines Pearl Credit Card, China Merchants Bank HelloKitty Fan Gold Card, Cherry Maruko Credit Card, Pinghetang Co-branded Credit Card, Crayon Shinchan Fan Credit Card, Ginza Co-branded Credit Card, Top 1 Group Co-branded Credit Card, Coastal City Co-branded Credit Card, Vientiane City Co-branded Credit Card (Shenzhen only), VOGUE Titanium Credit Card, VISAMINI Credit Card, VISAMINI Credit Card, Century Jinhua Co-branded Credit Card, Business Capital Co-branded Credit Card and so on.

If you need to apply for a dual-currency credit card, you can choose a credit card with the logo of UnionPay and the logo of the international credit card organization during the application process, which is a dual-currency credit card.

the introduction of China merchants dual-currency credit card gold card and dual-currency platinum credit card China merchants bank is over. I wonder if you found the information you need from it?