Credit cards are divided into Puka-Gold Card-Platinum Card-Diamond Card. Puka, the amount is generally below 1w; Gold card, the amount is generally1w ~ 5w; Platinum card, personal annual income must be at least 20w to handle; Diamond card requires the cardholder to earn more than one million yuan, and the amount is also one million yuan.
1, Puka: Under normal circumstances, everyone can apply for a Puka, and the annual fee can be waived by swiping the card several times.
The amount is also increased bit by bit according to your consumption repayment.
Most routines give you a quota first. If the line is kept in good condition after use, it won't take long to convert it into a fixed line. 2. Gold card: it is not a platinum card with a quota of 1W~5W, nor a gold card or a gold card (you should spray it when you see an article).
The threshold for gold card approval has been raised. In addition to the higher quota than ordinary cards, you can also enjoy a variety of value-added services, and the annual fee is relatively high.
3. Platinum Card: Value-added services such as airport VIP and free rescue can instantly improve your quality. Platinum cards are more strictly audited and require proof of assets or deposits, which is easy for people with good credit with an annual income of 20W. 4. diamond card: a symbol of the broad status of successful people, of course, higher than platinum card.
The general quota is 1 million, and you need your qualifications to prove that you are worth it.
Black cards are called infinite cards, and heaven and earth can do anything. Many cardholders know that credit cards have different grades, such as Puka, Gold Card, Platinum Card or Diamond Card. Card issuers will issue different grades of credit cards according to the social status, economic strength, purchasing power and credit rating of credit card applicants. Ordinary cards are generally the lowest grade, and the credit limit of high-grade credit cards is higher than that of low-grade credit cards.
Ordinary card; Ordinary card is the lowest level credit card issued by card issuers, with the lowest credit limit. The credit limit of domestic ordinary cards is generally only 5000 RMB.
Gold card; Gold card is a credit card with a higher credit limit than ordinary card. For individuals who have no credit history of ordinary cards, banks generally do not directly apply for gold cards, and the approval of gold cards is stricter than that of ordinary cards. Applicants need to provide proof of income and a good credit record.
The credit limit of gold cards in China is generally between 654.38+00000-50000 RMB.
Platinum card or diamond card; Platinum card, also known as diamond card, is a credit card issued by card issuers to distinguish it from gold card customers, providing higher-end services and rights than gold card. Generally, membership system is adopted, with highly respected customer service hotline service and value-added services. Usually, it has the service functions of global airport VIP room courtesy, high traffic insurance, global emergency support service (gcas) and 24-hour global exclusive VIP line telephone service.
Platinum card (diamond card) is the highest level credit card issued by Chinese banks at present. Banks are very strict in approving platinum cards (diamond cards) and the application conditions are also very demanding. Only a small number of high-income or leaders can apply. Its credit line is generally 10 to100000 RMB.
How to distinguish the credit card grades of China Construction Bank?
The credit cards of China Construction Bank are divided into four grades, from low to high: ordinary cards, gold cards, platinum credit cards and diamond credit cards. \ Details are as follows: \ Ordinary card: The lowest grade of CCB credit card is ordinary card, and this kind of credit card has the lowest credit limit. The credit limit of CCB ordinary cards is generally only about 5,000 yuan. If a cardholder applies for a credit card for the first time, CCB will generally start issuing it from a normal card. Gold card of CCB's credit card level: For individuals who have no credit record of ordinary cards, CCB generally does not directly apply for gold cards, and the approval of gold cards is stricter than that of ordinary cards, and applicants will be required to provide income certificates and good credit records. Platinum card: It is a relatively advanced credit card. The cardholder of this credit card can not only get the VIP treatment at the airport, exclusive customer service telephone line service, high traffic insurance and other value-added services, but also enjoy the VIP counter channel of the bank. However, this kind of CCB credit card has a high level and generally charges a high annual fee. Diamond Card: This is due to the increasingly fierce competition in the financial environment. The highest-level credit card launched by CCB in order to lock in the consumer market at the top of the pyramid usually enjoys more respected services and rights than platinum cards.
What is the credit rating of the credit card?
Credit cards are divided into Puka-Gold Card-Platinum Card-Diamond Card.
Puka, the amount is generally below 1w; Gold card, the amount is generally1w ~ 5w; Platinum card, personal annual income must be at least 20w to handle; Diamond card requires the cardholder to earn more than one million yuan, and the amount is also one million yuan.
I. Definition:
Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers.
It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits. Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.
Second, the classification:
Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.
Third, other information:
From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate). On May 25th, 2002/KLOC-0, the Supreme People promulgated and implemented the Provisions of the Supreme People on Several Issues Concerning the Trial of Civil Cases of Bank Cards.
The credit card stipulated in the relevant laws of our country (Interpretation of the Provisions of NPC Standing Committee on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. _20 17 12 1, the English translation and writing standard for public service was formally implemented, which stipulated the English standard for credit cards.
On the Four Grades of Credit Card
Credit cards may have different levels according to the level of rights they enjoy. So far, there are four forms of credit cards: Puka, Gold Card, Platinum Card and World Card, among which another term for Platinum Card is called Diamond Card.
The first credit card grade is CommonCard, which is the lowest grade credit card issued by bank card issuers and has the lowest credit limit. The average bank's credit line for Puka is up to 5,000 yuan, and there are still 3,000 yuan.
The second type of credit card is the gold card, which is stricter than the ordinary card and requires the applicant to provide proof of income and a good credit record; Gold card has a slightly higher credit limit than ordinary cards, and it is a credit card with a higher credit limit than ordinary cards. For individuals who have no credit history of ordinary cards, banks generally do not directly apply for gold cards. The credit limit of a gold card is generally between 654.38+00000-50000 RMB.
The third credit card level is PlatinumCard, also called Diamond Card. 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 is adopted, with highly respected customer service hotline service and value-added services. Platinum card is the highest level credit card issued by domestic banks. Banks are very strict in the examination and approval of platinum cards, and the application conditions are also very demanding. Only a small number of high-income or leaders can apply. With a platinum card, you can usually get high-quality services such as global airport VIP room courtesy, high traffic insurance, global emergency support service (gcas), and 24-hour global exclusive VIP line telephone service. The credit limit of Platinum Credit Card is generally 10 to100000 RMB.
The top-end credit card is InfiniteCard or Infinite Card: the top-end credit card does not accept applications and can only be processed at the invitation of the issuing bank. Unlimited card is the top brand of Visa card organization, and only China Merchants Bank has issued this kind of card in China. The credit card of the same grade issued by MasterCard is called World Card, but there is no bank in China. We expect Bank of Communications, MasterCard's largest partner in China, to issue this grade card in the future.
Generally speaking, the domestic credit system is not perfect and the credit card market is chaotic. There is not much difference in the amount between a universal card and a gold card. Fifty thousand universal cards and several thousand gold cards. Coupled with the emergence of platinum cards with a limit of less than 10 thousand yuan, we may only distinguish them from the aspects of lost card protection, additional services, insurance amount and so on.
How to judge the grades of credit cards, such as Puka, Gold, Titanium, Platinum, Unlimited and World?
Take ICBC as an example. ICBC's credit card is the most widely distributed credit card in China, which is divided into platinum card, gold card and ordinary card according to credit rating. You can judge the credit rating of a credit card from the following aspects:
1, the general credit card limit is 0-20 thousand yuan, the gold card limit is1-50 thousand yuan, and the platinum card limit is more than 50 thousand yuan.
2. Annual fee standard: the annual fee for domestic ordinary cards is 50 yuan, gold card 100 yuan; Ordinary card fee of international dual-currency card 100 yuan, Gold Card 200 yuan; Business Ordinary Card 200 yuan, Golden Card 400 yuan; Platinum card 2000 yuan; The annual fee of all supplementary cards is half of the annual fee of the main card.
3. Free annual fee policy: ICBC's annual fee collection standard is to use it first and then collect it, that is, it will not be collected until it has opened an account for one year. In this year, as long as you swipe 5,500 yuan (3 student cards or 3,000 yuan, 650,438+060,000 points of platinum cards or 200,000 yuan), you can get rid of the annual fee for the current year. At the same time, ICBC does not charge an annual fee for opening credit cards.
4. ICBC's policy of permanent annual fee exemption for credit cards: Platinum cardholders can get permanent annual fee exemption for the main and secondary cards if they spend a total of RMB 4 million. For personal gold card and ordinary card holders, who have no bad credit records and have held various credit cards of ICBC for more than 10 years (including 10 years), they can be given a permanent annual fee-free discount for the main and secondary cards in an account.
5. Cash advance fee: local banks do not charge fees; RMB withdrawn from different places is charged at 1% of the amount, with the lowest 1 yuan and the highest 100 yuan; Foreign currency is charged at 2.9% of the amount, with a minimum of HK$ 3, US$ 3 or Euro (including domestic and overseas). Platinum cards are free for domestic transactions.
6. Loss reporting fee: 20 yuan/letter for each card in 20 yuan; Platinum cards are free. Ask for 5 yuan/month/statement two months ago; Platinum cards are free.
Extended data
Credit card classification:
According to different card issuers, it can be divided into bank cards and non-bank cards.
Bank card. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or they can withdraw cash at any time at the outlets of the issuing bank or at places with ATMs.
Non-bank card. This kind of card can be divided into retail credit card and travel entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are specially used for shopping in designated stores or filling gas stations. , and settle accounts regularly. Travel and entertainment card is a credit card issued by airlines, travel companies and other service industries, which is used for ticket purchase, dining, accommodation, entertainment and so on.
According to the different issuing banks, it can be divided into corporate cards and personal cards.
Company card. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, state party and government organs, armed forces, organizations and other legal person organizations.
Personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. The personal card is applied in the name of an individual and bears all the responsibilities for its use.
According to the credit status of cardholders, it can be 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.