1, Puka:
People who apply for a credit card for the first time or have poor financial strength can apply for an ordinary card first, and there is basically no annual fee, or they can be exempted after a few swipes. The amount is generally below 1 10,000 yuan. Credit card Puka is the lowest level credit card issued by card issuers. If the ordinary working class applies for a credit card for the first time, it is basically a general card. The general limit is within 1 10,000 yuan. Of course, if you have outstanding wealth qualifications, it is not impossible to get a higher quota. In the past, card issuers issued silver cards, but later this level of cards was cancelled and classified as general cards.
2. Gold card:
Gold cards are mostly gold, and the approval is relatively stricter than ordinary cards, so you should enjoy better preferential treatment. The amount is generally 10000 to 50000, and the annual fee can be exempted. The main difference from ordinary cards lies in the level of application qualification and credit limit. In applying for qualification, the requirements of each bank are different, even the standards in different places are different, which is related to the local income and consumption level. If you have money in this bank, it will also help you apply for a gold card.
3. Titanium card:
The grade of titanium gold card is between gold card and platinum card, and the amount is a little higher than that of gold card, generally around 30 thousand to 60 thousand, and the basic rights and interests are similar to that of gold card.
4. Platinum card:
Platinum card mainly serves high-end users, with strict examination and approval, and personal annual income is at least 200,000 yuan. Platinum card features services mainly in golf, airport VIP, free physical examination, mileage exchange, emergency support services and so on. The service is high enough, and the annual fee can't be saved, ranging from thousands to hundreds. It is a credit card issued by the card issuer to distinguish it from the gold card customers, providing higher-end services and rights than the gold card. Generally, membership system, customer service hotline service and value-added service are respected twice. It usually has the service functions of global airport VIP room courtesy, personal annual consumption analysis report, high traffic insurance, global emergency support service (GCAS), and 24-hour global exclusive platinum hotline service. In addition to the routine information, the applicant also needs to show proof of financial resources or proof of work, and can only enter the following process after approval. For example, if the applicant is a senior leader and financial supervisor of a social organization or financial appropriation institution, or a senior leader and financial department supervisor of a large enterprise or an enterprise with good economic benefits, the possibility of being approved will be greatly improved.
5. Diamond card:
Diamond cards are higher than platinum cards, which require higher identity of cardholders, and most of them can be handled by successful people. The amount of diamond card is very high, generally around one million yuan, and the application requires the cardholder to earn more than one million yuan.
6. Black card:
Black cards can be overdrawn indefinitely, with no limit and no annual fee. Applications are not accepted, and cards are usually issued by invitation.