I. Application conditions for the difference between Puka, Gold Card and Platinum Card Puka is the lowest credit card issued by the card issuer. Usually, banks will classify silver cards and ordinary cards into one category, which is called Puka for short. Applicants who have reached the age of 18, have a stable job and income, and have good personal credit can apply for a general card. Generally speaking, banks will issue gold cards to high-quality customers. In addition to meeting the basic requirements for applying for a credit card, people with an annual income of more than 400,000 yuan are more likely to get a gold card. Platinum card is a credit card issued by card issuers to distinguish it from gold card customers, which provides higher-end services and rights than gold card. Usually, banks will take the initiative to invite qualified customers to apply for platinum cards, and platinum card customers can enjoy platinum customer service hotline service and distinguished value-added services. Generally speaking, the application standard of bank platinum credit card is mostly financial proof of annual salary of 6,543,800 yuan or more or 500,000 yuan or more. Two, ordinary card, gold card, platinum card credit card limit refers to the bank according to the cardholder's assets and credit status approved by the credit card overdraft limit. The higher the amount, the more money you can overdraw. Of course, the repayment pressure is also greater. Generally, credit cards cost 3000 yuan to 10000 yuan, and gold cards cost 10000 yuan to 50000 yuan. Platinum card 65438+ 10,000 even 500,000. Third, the annual fees of Puka, Gold and Platinum cards are different. The annual fee of platinum card is higher than that of gold card, and the annual fee of gold card is higher than that of ordinary card. Take Pacific Credit Card of Bank of Communications as an example. The annual fee for gold card is 200 yuan, and the annual fee for ordinary card is only 140 yuan. However, many banks directly waive the annual fee for the first year of gold cards. As long as you swipe your card 6 times in the first year (unlimited amount), the annual fee is free in the second year, and online payment is not included in the number of swipes. The annual fee of a credit card is calculated in days, not in natural years. The first year refers to the cards issued within 12 months, such as 16 and 12 months, and the first year ends at 17 and1.30. Fourth, Puka, Gold and Platinum cards have different credit card discounts because of their different grades. Platinum and gold cards of general credit cards can enjoy higher discounts in preferential merchants, and can be exchanged for integral gifts. Ordinary cards can enjoy lower discounts, and platinum cards can enjoy many value-added services provided by banks. For example: airport VIP room, free golf, banks do not have to wait in line. Take the credit card gold card of ICBC as an example. ICBC's gold card can enjoy free card replacement, loss reporting, transfer and remittance, remote deposit and withdrawal, giving up to 400W aviation accident insurance, airport VIP treatment and so on. V. Loss of Card Protection, which is different from Puka, Gold Card and Platinum Card, means that after the credit card is lost or stolen, the bank will freeze the credit card account to avoid the stolen credit card and compensate for the loss after the stolen credit card is stolen (the loss of card protection is subject to the bank). Different credit card grades have different protection for natural card loss. At present, ICBC, China Everbright, Shanghai Pudong Development Bank and other banks have no card loss protection services, while Bank of China, Agricultural Bank of China and other banks are only open to platinum card customers.