1. Simply speaking, appearance. The colors are different, the gold card is gold and the ordinary card is blue, green and pink. Most banks are like this. However, black and silver may be diamond cards.

2. You can check in the following ways:

1. Check whether it is a gold card by calling the customer service hotline.

2. Determine it by the type of card. For example, youth card is a gold card.

3. Make inquiries through the online customer service of QQ or WeChat.

4. Determine whether it is a gold card by the limit (this may not be accurate). If your limit is more than 10,000, you can apply for a gold card even if you are not a gold card.

Extended information:

1. According to the credit status, status and other credit conditions of the cardholder, it can be divided into ordinary cards and gold cards

Ordinary cards . Ordinary cards are issued to cardholders with average financial strength, credibility and status, and their various requirements are not high.

Gold Card. A gold card is a high-end credit card that pays high membership fees and enjoys special benefits. Cards are issued to those with higher credit standing, stronger repayment ability and credit, or those with a certain social status. The authorization limit of the gold card starts from a higher level, and the additional service items and scope are much wider, so the requirements for relevant service fees and security deposits are also relatively high.

2. According to different repayment methods, credit cards can be divided into credit cards and quasi-credit cards

Credit cards. When the card-issuing bank provides bank credit, it is first used as an overdraft, and then repaid or paid in installments. Most of these cards are used internationally. That is to say, the way that cardholders are allowed to pay off their credit card accounts without deposits is "spend first, deposit later". Most of these cards are used internationally.

Quasi credit card. It is a credit card issued by a bank that allows you to deposit money first and spend later. When applying for a credit card, cardholders need to deposit a certain amount of money in the card-issuing bank for backup. Cardholders need to use the deposit balance as a basis when using the card. Overdrafts are generally not allowed.

3. According to the different circulation scope of credit cards, they can be divided into international cards and regional cards

International cards. An international card is a credit card that can be used outside the country of issue and is accepted worldwide.

Master Card and VISA Card issued by the five major overseas groups (MasterCard, Visa International, American Express, JCB Credit Card Company and Diners Club) respectively , American Express Card, JCB Card and Diners Club Card are mostly international cards.

Regional card. A regional card is a credit card that can only be used within the issuing country or within a certain region. Most of the various credit cards issued by commercial banks in my country are regional cards.

Baidu Encyclopedia-Credit Card