Banks need different conditions to apply for gold cards. Take China Bank as an example:

1. The total financial assets in China Bank shall be no less than RMB 200,000; 2. The annual consumption of credit cards is more than 50,000 RMB (excluding purchase, car purchase and decoration consumption); 3. The loan amount in BOC is more than 500,000. (You can apply for a gold card if you meet one of the three conditions)

In addition, the four major banks and three other banks need to meet the following conditions to apply for a gold card:

1. ICBC: the average daily assets for three months are not less than RMB 200,000; ICBC has potential high-quality customers. And you can apply for a gold card as long as you meet the conditions.

2. Agricultural Bank of China:1February, the average daily financial assets reached 654.38 million yuan (inclusive); If the average monthly financial assets or investment financial products reach RMB 654.38+10,000 (inclusive) or above, you can apply for a gold card if one of the conditions is met.

3. CCB: 1 year, the monthly balance of CCB's wealth management products exceeds 200,000 yuan (inclusive); 1 year The monthly balance of CCB loans exceeds 500,000 yuan (inclusive); 1 year dragon card consumption (excluding the large expenditure of buying a house and a car) is more than 50,000 yuan (inclusive).

The bank gold card is a symbol of vip customers.

Generally speaking, it is the difference between ordinary customers and VIP customers. Every bank has different standards. The gold card of the savings card needs to have assets in the bank, reaching a certain amount or more. Bank staff will recommend a gold card, which is their VIP card. With the gold card, customers will enjoy more preferential conditions. Generally, the gold deposits of the four major banks are above 200,000.

Requirements: No less than 50 million yuan in the bank.

According to the regulations of China Banking Regulatory Commission, people under the age of 16 cannot apply for bank cards independently and need to be accompanied by legal guardians. The required documents are generally the household registration book and a copy.

The process of opening a bank card is as follows:

1. Bring your ID card and a small amount of cash to the bank outlet.

Fill in the form with the help of the staff in the bank lobby.

3. Take the number and queue up, and copy the ID card with the assistance of the staff.

4. Call the counter number, go to the counter and give the completed form and ID card to the bank teller. When you apply for a credit card, you need to sign your name and enter your password. The password is six digits, so remember it after setting it. This is the password for future withdrawals.

You will get a bank card after all the formalities are completed. If you apply for online banking at the same time, you will get a secret card or U shield at the same time.

6. Finish opening the card, take your things and leave.

What is the difference between a gold card and a platinum card?

Taking ICBC as an example, the differences between gold and platinum cards are as follows:

1. quota

Gold card (amount 1 10,000-50,000 yuan) and platinum card (amount more than 50,000 yuan 1 10,000 yuan).

2. Annual fee standard:

Gold card 100 yuan, international dual-currency gold card 200 yuan, business ordinary card 200 yuan, gold card 400 yuan, platinum card 2000 yuan.

3. Free annual fee policy:

The annual fee for all supplementary cards is half of the annual fee for the main card, and the annual fee for the following year is exempted for five times for the Puka Gold Card, and the annual fee for the current year is exempted for five or five thousand yuan (three student cards or 3,000 yuan, and 654.38+060,000 points for the Platinum Card are exchanged for the annual fee or 200,000 yuan). Platinum cardholders who spend a total of 4 million yuan can be given a permanent annual fee-free discount for the main and deputy cards, while ICBC credit cards do not charge annual fees.

4. Credit card preferential policies:

ICBC credit cards with different joint themes, such as Platinum Card, Gold Card and Puka, enjoy different promotional preferential policies at different times. Platinum card enjoys discounts and discounts compared with gold card, and gold card enjoys discounts. For details, please refer to the real-time promotion activities of ICBC Credit Card in official website.

What conditions do I need to apply for a credit card gold card?

1, China Merchants Bank Mini Credit Card Gold Card Application Conditions

The principal card applicant is at least 18 years old, has full capacity for civil conduct, has a legal and stable source of income, and has a good credit status. He can apply for a personal credit card principal card with his valid identity document.

The cardholder of the main card can apply for a supplementary card for a natural person who is over 15 years old and has full capacity for civil conduct or limited capacity for civil conduct. If the supplementary card applicant is under the age of 18, the consent of his legal representative must be obtained. The cardholder of the main card bears all the debts incurred by the supplementary card.

2. Application conditions for credit card gold card of CITIC Bank

China residents who have reached the age of 18, have full capacity for civil conduct and good credit standing, foreigners with permanent residency in China and compatriots from Hong Kong, Macao and Taiwan can apply for personal credit card master card with their valid identity documents.

Personal cardholders can also apply for supplementary cards for other natural persons with full civil capacity or natural persons with limited civil capacity. Supplementary card application materials must be confirmed by the main card holder by personal signature, customer service telephone recording, electronic signature or the way recognized by both the cardholder and the issuing bank. The main cardholder can apply for cancellation of the supplementary card at any time.

3. BOC Global Credit Card Gold Card Application Conditions

Individuals with full capacity for civil conduct and legitimate income can apply for a personal master card with their valid identity documents (including ID card, military officer's card, police officer's card, passport, etc.). , the same below) identified by the public security department.

Personal master card applicants can apply for no more than three supplementary cards for spouses and immediate family members with civil capacity; All the funds used by the secondary card are transferred to the main card account, and the main card holder is responsible for repaying all the payables of the secondary card.

Extended data

Documents required to apply for a credit card:

1. Your supplementary card applicant's identification documents (such as ID card, military officer's card, pass or passport, etc.). )

2. Your residence certificate (such as water and electricity bill, bank/securities/insurance/fund statement, mobile phone bill, household registration book, driver's license, real estate license, rental contract or social security card in any one of the last two months-it must be in your own name).

Please provide any of the following five income certificates:

1. Payroll of any month in the last three months (if the company name is not displayed on the payroll, please provide the original payroll).

2. Bank statement/passbook showing your name and income for the last three consecutive months.

3. Bank of Communications payroll automatic transfer monthly statement or detailed account list showing your name in any month in the last three months.

4. A salary certificate issued in the name of the company and showing your name (the name of the employer and the official seal of the company are displayed at the head or tail of the certificate).

5. The latest personal income tax bill.

Reference source Baidu Encyclopedia-BOC Global Credit Card Gold Card

Reference source Baidu Encyclopedia-CITIC Bank Credit Card Gold Card

Reference source Baidu Encyclopedia-China Merchants Bank Mini Credit Card Gold Card

Summary of the handling of credit card gold cards in major banks

Although the annual fee of credit card gold card will be higher than that of ordinary card, the amount of gold card is high, the credit card discount is strong, and the protection of lost card is good, so the attraction of gold card is far greater than that of ordinary card. Then, do you know what the conditions are for handling a credit card gold card? I have sorted out the handling situation of several major banks for your reference only.

I. Conditions for handling Minsheng Bank Gold Card

1. The main card applicant must be 18 years old, and the sub-card applicant must be 13 years old;

2. The applicant should have a stable job and a fixed income;

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

4. If you have neither a stable job nor a stable source of income, you should provide a guarantee, such as a guarantor or guarantor;

5. The applicant can provide certain economic proof;

6. Agree and fill in the Minsheng Credit Card (Personal Card) guarantee contract.

Two, the admissions bank standard gold card processing conditions

1, for local residents, the age should be between 18-60 years old;

2. Overseas applicants must be between the ages of 25 and 60;

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

4. The applicant can provide certain economic proof.

Three, the construction bank gold card processing conditions

1, age 18 and above;

2. A natural person with full capacity for civil conduct;

The above is the finishing, several credit card gold card processing conditions, I hope it is useful to you. Introduction,

You can handle all kinds of credit cards safely and quickly.

What are the conditions for getting a gold card?

Banks need different conditions to apply for gold cards. Take China Bank as an example:

1. The total financial assets in China Bank shall be no less than RMB 200,000;

2. The annual consumption of credit cards is more than 50,000 RMB (excluding purchase, car purchase and decoration consumption);

3. The loan amount handled in China Bank is more than 500,000 yuan.

You can apply for a gold card if you meet one of the three conditions.

The bank gold card is named after the card face is generally golden yellow. Every bank has different conditions for handling gold cards. Some banks have no deposit requirements for debit card gold cards, and they can get better financial services only by paying the handling fee of 10 yuan when handling the cards. Others have deposit quota requirements.

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

Gold card customers can enjoy various benefits provided by the bank, such as airport VIP lounge, shopping discount, golf discount, inter-bank and inter-regional transfer free of charge, bank business free of queuing, VIP service and so on.

What's the difference between ordinary cards, VIP cards and gold cards in the bank?

(1) With different transfer limits, ordinary bank cards have the lowest transfer limit, some banks have a daily limit of 5,000, and some banks have a daily limit of 20,000. The gold card transfer limit is in the middle, and the VIP card transfer limit is the highest.

(2) The fees are different. There is no charge for ordinary cards in banks, and some charge a small annual fee. Gold cards charge a little more, while VIP cards charge the most.

(3) Different additional value-added services, the ordinary cards of banks have the least additional value-added services, almost none. Gold card additional value-added services are among the three, while VIP card additional value-added services are the most.

(4) Different service treatment. Generally more than 8,000 yuan, gold cards will be issued according to customers' requirements, and ordinary cards do not have this right. Theoretically, the upper and lower limits of gold card and ordinary card are the same, and the card definition of each bank is different.

(5) Enjoy different financial services from banks. Ordinary bank cards do not enjoy bank financial services, gold cards enjoy bank financial services, and VIP cards also enjoy bank financial services. Taking Ping An Bank as an example, the conditions for applying for the Ping An Bank Gold Card are as follows:

1, aged between 18 and 65 years old;

2. The average daily financial assets of the user in the last month are more than 50,000 yuan.

Handling a gold card mainly depends on your financial ability. If you have more financial resources, you can deal with it.

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

Credit card gold card application conditions have you met these conditions?

The credit card level not only represents the difference of rights and interests, but also symbolizes identity and status. Compared with ordinary cards, the credit card gold card not only has a much higher upper limit, but also has superior rights and interests, especially when handling visas, which allows cardholders to prepare fewer documents. Therefore, the credit card gold card can be said to be widely favored by cardholders. So what are the requirements for applying for a credit card gold card? Don't worry, I'll tell you something specific.

First of all, cardholders who want to meet the conditions for applying for a credit card gold card must provide the following two related materials:

1, ID card and income certificate. The forms of identification can be resident ID card, passport, Hong Kong, Macao and Taiwan travel card, military officer's card, etc. The applicant must be a person with full capacity of age 18 in China; The proof of income can be in the form of stamp issued by the unit, bank running water, house assets, automobile assets, etc.

2. Personal credit documents. The application conditions of credit card gold card require that the applicant must have a good credit record. If you have a bad credit record, it is difficult to get rid of the gold card.

Secondly, to make the bank think that you meet the requirements for applying for a credit card gold card, there are the following skills:

1. Try to show in your income certificate that you have a stable job, a good position and considerable income;

2. You can provide your own academic credentials and various professional qualification certificates. Show your knowledge to the bank and improve the trust of the bank.

The above are the application conditions for a credit card gold card. Card friends can carefully compare with their own situation to see what conditions they still lack and can improve in time. If the above conditions are met, congratulations to the cardholder, you can apply for a credit card gold card that belongs to you.

How to apply for a credit card? Meet these conditions!

The popularity of credit cards has almost become one of our daily necessities, which greatly facilitates our lives. Although credit card processing is simple, it is not so easy to apply for a graded credit card. Many people have just started to apply for ordinary credit cards. What should they do to apply for a credit card gold card? What channels are available? Because the gold card is one level higher than the Puka card, it needs to meet certain conditions.

Conditions to be met for handling a credit card gold card

1. First of all, you must meet the basic conditions for applying for a credit card, such as 18-65 years old and have a stable income. The requirements of banks may be a little different.

2. After meeting the basic conditions, the bank will also require you to have certain assets, such as deposits or a lot of running water, to prove your repayment ability.

3. Because the amount of gold card is higher than that of ordinary card, the requirements for credit may be stricter. The requirement of some banks is not overdue, and it is not allowed to spend credit information.

How to apply for a credit card

1, online processing. You can go to Bank official website or download the bank's mobile APP, select the card you want, click Apply Online and fill in the relevant information.

2. Counter handling. Go to a nearby bank outlet and bring your ID card. You can also bring relevant assets certification materials and fill out the application form.

3. Deal with it through third-party channels. At present, both WeChat and Alipay can handle credit cards, but there may not be so many cards to choose from. If you happen to have what you want, you can choose to do it here.

I will show you how to apply for a credit card here. I hope you can help after reading it. Generally speaking, the conditions for banks to apply for gold cards are still relatively loose. Anyone who has no credit problems can apply for a try.

This is the end of the introduction to the application conditions of gold card credit card.