What's the difference between a platinum card and an ordinary credit card?
The quota of 1 is different.
The amount of ordinary credit cards is generally lower than that of platinum credit cards. The amount of ordinary credit cards is usually around several thousand yuan, which basically does not exceed 1 10,000, while the amount of platinum credit cards is usually more than 50,000 yuan. Of course, the amount of approval for applicants with different qualifications is different, depending on the final approval result of the bank.
2 the annual fee is different
The annual fee of ordinary credit cards is lower than that of platinum credit cards, and the annual fee of ordinary credit cards is mostly one or two hundred yuan, or dozens of yuan; Many annual fees for platinum credit cards are thousands or even tens of thousands of yuan.
Moreover, many Puka directly waive the annual fee for the first year, and the annual fee for the next year can also be waived; As for the platinum card, even if it can be reduced or exempted, it can only be redeemed with points. Of course, it depends on the bank's regulations, because some platinum credit cards are free of annual fees for life.
3 Different rights and interests
The benefits of ordinary credit cards are relatively few, while the benefits of platinum credit cards are generally very rich. VIP service can be enjoyed in many places, and the discount of Platinum credit card in many preferential activities is larger than that of ordinary credit card.
What are the application conditions for platinum card?
1 stable work
Generally speaking, the application standard of platinum credit cards in banks is mostly an annual certificate of more than 654.38+10,000 yuan or a financial certificate of more than 500,000 yuan.
2 Good credit
Generally speaking, if the cardholder has used the card for more than two years and the credit line is more than 30 thousand yuan, he will have the opportunity to receive the invitation letter from the bank. Cardholders who receive the invitation will be approved as long as they agree to apply for a platinum credit card.
3. Other conditions stipulated by the bank.
The application conditions of platinum card in different banks are different, depending on the bank you apply for.