Gold Card Credit Card Application Conditions

1. Have a certain social status, such as: working as a manager in a listed company, working as a manager in a state-owned enterprise, working as a manager in a Fortune 500 company wait. (Choose to have)

2. The income reaches certain requirements. For example: China Merchants Bank Gold Card requires the cardholder's average daily total assets in the last month to be greater than or equal to 50,000 yuan (equivalent to RMB), and China Construction Bank's Dragon Card Gold Card requires the cardholder's annual income to reach 60,000 yuan. (Choose to have)

3. Excellent qualifications. For example: there is no bad credit record in the personal credit system, the education is college or above, the monthly income is relatively high, etc. (Required)

After meeting the basic conditions for applying for a credit card, cardholders can go to the relevant bank with their credit card and ID card to apply for a gold card. Changes will occur after the cardholder applies for a gold card. Cardholders need to follow the regulations of the relevant banks.

What is a gold card credit card?

Gold card is a type of credit card.

The gold credit card is more high-end than the regular card, and gold card holders can enjoy more card swiping benefits and conveniences. For example, overseas, gold card holders are provided with services such as free emergency replacement cards. For another example, the gold card has a maximum limit of 50,000 yuan, and the regular card has a maximum limit of 10,000 yuan.

The gold card has a gold color on the surface, and the approval process is relatively stricter than the regular card. The discounts you enjoy should be better. The limit is generally between 10,000 and 50,000, and the annual fee may be waived.

Credit card level types:

1. Regular card:

Those who are applying for a credit card for the first time or have poor financial strength can apply for a regular card first, and there is basically no annual fee. , or it can be waived by swiping a few times, and the amount is generally less than 1w.

2. Platinum Card

A credit card that serves high-end users. The approval is strict. The personal annual income must be at least 200,000. Sometimes it is possible to deposit assets in the bank where it is handled. handle.

3. Diamond Card

It is a higher level than Platinum Card and has higher requirements for the status of the card holder. Most of them can only be applied for by successful people. Therefore, Diamond Card A higher limit can highlight the distinguished status of the cardholder. The cardholder is required to have an income of more than one million, and the limit is also in the million level.

Main uses of credit cards:

1. Direct consumption function. This is the most basic function of a credit card. Cardholders can use the card instead of cash to settle payments at specially designated merchants marked with the Bank of China Great Wall Credit Card logo, including stores, hotels, restaurants, airports, hospitals and other places.

2. Savings deposit function. The bank calculates the margin and reserve funds of the credit card account according to the prescribed interest rate, and treats them as savings deposits.

3. Transfer settlement function. With the card, cardholders can transfer funds from their own accounts to pay at Bank of China's business facilities.

4. ATM cash withdrawal function. Cardholders can withdraw cash at Bank of China branches and ATM machines in the province.

5. Overdraft function. Cardholders can overdraft, withdraw cash, and use funds within the limit allowed by the card-issuing bank, and overdraft interest will be charged at the same time.

6. Collection and payment function. Cardholders can handle services such as salary payment, phone bill collection, and Jitong Internet access for specific units that have signed a contract with the bank.

What are the requirements for applying for a gold card?

Each bank has different requirements for applying for a gold card. Take Bank of China as an example:

1. Total financial assets in Bank of China Not less than RMB 200,000;

2. Annual credit card consumption of more than RMB 50,000 (excluding consumption of house purchase, car purchase, decoration, etc.);

3. The loan limit at Bank of China is RMB 50 More than ten thousand.

You can apply for a gold card if one of the three conditions is met.

Bank gold cards are named because the card surface is usually golden. Each bank has different conditions for applying for a gold card. Some banks have no deposit requirements for debit gold cards. You only need to pay a 10 yuan fee when applying for the card, so you can get better financial services. Some have deposit limit requirements.

Generally, the gold card of a savings card requires that your assets in a certain bank reach more than X million. The bank staff will recommend you to apply for a gold card, which is their VIP card, which has many preferential conditions. Generally, the gold cards of the four major banks are more than 200,000, the platinum cards are more than 500,000, and the black gold cards are more than 5 million.

Customers with bank gold cards can enjoy various benefits provided by the bank, such as airport VIP waiting rooms, shopping discounts, golf discounts, free inter-bank and inter-regional transfers, no need to queue up for banking services, and enjoy VIP Serve.

What are the differences between the bank's ordinary cards, VIP cards and gold cards?

(1) The transfer limits are different. The bank's ordinary card has the lowest transfer limit, and some banks have daily limits. 5,000, and some banks have a daily limit of 20,000. The gold card transfer limit is in the middle of the three, while the VIP card has the highest transfer limit.

(2) The fees are different. Ordinary cards of the bank do not charge, and some charge a small annual fee. Gold cards charge slightly more, while VIP cards charge the highest.

(3) Additional value-added services are different. Bank’s ordinary cards have the least additional value-added services, almost none. The gold card's value-added services are in the middle among the three, while the VIP card has the most value-added services.

(4) The service benefits are different. Generally, if the amount exceeds 8,000, a gold card will be issued according to the customer's request, while ordinary cards do not have this right. The theoretical lower limits of gold cards and regular cards are the same, but each bank's card definition is different.

(5) Enjoying the bank's financial management services is different. The bank's ordinary card does not enjoy the bank's financial management services, the gold card enjoys the bank's financial management services, and the VIP card also enjoys the bank's financial management services. Taking Ping An Bank as an example, the application conditions for Ping An Bank Gold Card are:

1. Aged between 18 and 65 years old;

2. The user’s average daily financial assets in the past month Above 50,000 yuan.

Applying for a gold card mainly depends on your financial ability. If you have more financial resources, you can apply for it.

To apply for a gold card from Ping An Bank, you need to have financial assets in Ping An Bank, and your average daily financial assets in the past month have reached more than RMB 50,000. If you want to apply for a credit card, you also need to have good credit and stable work income.

The fastest way to apply for a gold credit card card

Many friends want to apply for a gold card of a bank credit card. They feel that they are more advanced in front of their friends. Is there any way to teach you how? Get a bank credit card gold card as quickly as possible. I wish you all a successful application for a gold card from your favorite bank!

Tip 1: Open a savings account at the bank that applies for the card and apply for a fixed deposit

If you can deposit a deposit of more than 50,000 in the bank that applies for the card, and apply for a one-year or even A fixed deposit with a term of more than five years will pave the way for you to apply for a credit card, and the limit will be much higher than you think.

Special reminder: If the fixed deposit is withdrawn in advance, the interest will be calculated according to the demand deposit, and a certain amount of expected annual interest income will be lost. But if you really need it urgently after depositing it, you can go to the bank counter to change it to current deposit and withdraw it after the card is approved.

Tip 2: Purchase the financial management products of Shencard Bank

All major banks offer different financial products, and the minimum purchase price of these financial products is usually between 50,000 yuan and 100,000 yuan. Yuan does not vary. If the applicant can have enough funds to purchase a financial product, he must be able to fully prove his financial strength to the bank.

However, for most applicants with average qualifications, it is still difficult to invest 50,000 yuan or 100,000 yuan at a time to purchase financial products. At this time, you can seek help from family or friends and raise funds to purchase. The expected annualized income can be shared, which is also beneficial to the applicant in applying for a card. It can be said that it kills two birds with one stone.

Tip 3: Find a suitable introducer

When filling in the application information, there will be a contact/introduction column. At this time, you can fill in a person who already holds the credit card of the bank. and higher-ranking colleagues. Note that colleagues are much better than relatives because they can indirectly prove the applicant’s job stability.

In addition, it would be better if there is someone familiar with the bank staff! After all, for banks, introductions from their own people are definitely much more reliable than introductions from outsiders!

Although the above techniques can effectively improve the success rate of card application and card limit, the prerequisite is that the applicant has no bad credit record. Assuming there are serious bad records, the success rate of applying for a card is close to 0%!

In addition, it is good to have an appropriate credit card limit. An excessively high limit will not only cause uncontrolled consumption, but also increase the economic risk when the card is lost.

A summary table of major banks’ conditions for applying for a gold credit card

Although the annual fee for a gold credit card is higher than that of a regular card, the gold card has a high credit limit, great credit card discounts and loss of benefits. The card protection is good, so the gold card is much more attractive than the regular card. So, do you know what are the conditions for applying for a gold credit card? We have compiled the application conditions of several major banks for your reference only.

1. Conditions for applying for Minsheng Bank Gold Card

1. The applicant for the main card must be over 18 years old, and the applicant for the supplementary card must be over 13 years old;

< p>2. The applicant must have a stable job and a fixed income;

3. If there is no fixed occupation, but a stable source of income;

4. Neither a stable job nor a stable job , and there is no stable source of income, a guarantee must be provided, such as a deposit or a guarantor;

5. The applicant can provide certain proof of financial resources;

6. Agree and fill out "Minsheng Credit Card (Personal Card) Guarantee Agreement".

2. Conditions for applying for the standard gold card of the enrollment bank

1. To apply, domestic residents must be between 18 and 60 years old;

2. Overseas residents To apply, the age must be between 25-60 years old;

3. The applicant for the supplementary card must be the parent, spouse or child of the main cardholder, and must be over 18 years old;

4. The applicant can provide certain proof of financial resources.

3. Conditions for applying for China Construction Bank Gold Card

1. Aged 18 and above;

2. Natural person with full capacity for civil conduct;

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The above is a summary of the application conditions for several credit card gold cards. I hope it will be useful to you. Introduction,

You can apply for various credit cards safely and quickly.

What are the requirements for applying for a gold credit card card?

1. Conditions for applying for a gold credit card of China Merchants Bank MINI Credit Card

All main card applicants must be over 18 years old and have full Individuals with civil capacity, legal and stable sources of income, and good credit standing can apply to our bank's card issuer for a master personal credit card with their valid identity documents.

The principal cardholder can apply for an additional card for his or her designated natural person who has full capacity for civil conduct or is over 15 years old and has limited capacity for civil conduct. If the applicant for the supplementary card is under 18 years old, The consent of its legal representative is required. The primary cardholder is responsible for all debts incurred by the supplementary card.

2. Application conditions for China CITIC Bank Gold Credit Card

Chinese residents, foreigners permanently residing in China, and compatriots from Hong Kong, Macao and Taiwan who are over 18 years old, have full capacity for civil conduct and have good credit standing, You can apply for a personal credit card master card from the card issuer with your valid identity document.

The main cardholder of the personal card can also apply for supplementary cards for other natural persons with full capacity for civil conduct or natural persons with limited capacity for civil conduct. Supplementary card application materials must be confirmed by the primary cardholder's personal signature, customer service call recording, electronic signature, or a method mutually recognized by the cardholder and the card-issuing bank. The main cardholder can apply to cancel the supplementary card at any time.

3. Application conditions for BOC Global Credit Card Gold Card

Any individual with full capacity for civil conduct and legal income can present his or her valid identity document (including ID card) recognized by the public security department. , military officer ID card, police officer ID card, pass, homecoming permit, passport, etc., the same below) apply for a personal master card from the card issuer.

An individual principal card applicant may apply for no more than three supplementary cards for his or her spouse and immediate family members with civil capacity; all amounts used in the supplementary cards will be credited to the principal card account, and the principal card holder will The person is responsible for repaying all amounts due on the supplementary card.

Extended information

Documents required to apply for the card:

1. Your supplementary card applicant’s identity document (such as ID card, military ID card, pass or Passport, etc.)

2. Your proof of residence (such as utility bills, bank/securities/insurance/fund statements, mobile phone bills, household registers for any month in the past two months) , driver's license, real estate certificate, rental contract or social security card - it must be in your own name)

Please provide any one of the following five income certificates:

1. Payslip for any month within the last three months (if the payslip does not show the name of the unit, please provide the original payslip).

2. Bank statement/bank book showing your name and income in any month within the last three consecutive months.

3. Show your name’s monthly statement or account details list of Bank of Communications automatic salary transfer for any month in the past three months.

4. A salary certificate issued in the name of the company and showing your name (the name of the employer should be shown on the letterhead or at the end of the letter and stamped with the official seal of the company).

5. The latest personal income tax bill.