First, simply say appearance. Different colors, the gold card is gold, and the ordinary card is blue, green and pink. Most banks are like this. But black and silvery white, maybe diamond cards.

Secondly, you can query in the following ways:

1, call the customer service hotline to check whether it is a gold card.

2. It is determined by the type of card, such as the youth card, which is the gold card.

3. Check online customer service through QQ or WeChat.

4. judge whether it is a gold card by the amount (this is not necessarily accurate). If your quota exceeds 65,438+00,000, you can apply for a gold card even if it is not a gold card.

Extended data:

First, according to the credit status of the cardholder, it is divided into ordinary cards and gold cards.

Ordinary card. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and the requirements are not high.

Gold card. Gold card is an advanced credit card that pays a high membership fee and enjoys special treatment. Card issuers are institutions with high credit, strong repayment ability, credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are wider, so the requirements for related service fees and deposits are higher.

Two, according to the different payment methods, credit cards can be divided into credit cards and quasi-credit cards.

Credit card. That is, when the issuing bank provides bank credit, it overdraws first, and then repays or pays in installments. Most of these cards are used for international circulation. In other words, the way to allow cardholders to pay off their credit card accounts is "consume first, then deposit". Most of these cards are used for international circulation.

Quasi-credit card It is a credit card issued by a bank, which deposits first and then consumes. When applying for a credit card, the cardholder needs to deposit a certain amount of money in the issuing bank in advance as a backup. The cardholder needs to use the card on the basis of the deposit balance, and generally no overdraft is allowed.

Three, according to the different circulation scope of credit cards, can be divided into international cards and regional cards.

International card. International card is a kind of credit card that can be used outside the issuing country and is universal.

Area card. Regional card is a kind of credit card that can only be used in the country or region where the issuing bank is located. Most credit cards issued by commercial banks in China belong to regional cards.

Baidu encyclopedia-credit card