The levels of credit cards are divided into regular card - gold card - platinum card - diamond card. For regular cards, the limit is generally less than 10,000; for gold cards, the limit is generally between 10,000 and 50,000; for platinum cards, personal annual income must be at least 200,00 to apply; for diamond cards, cardholders are required to have an income of more than one million, and the limit is also in the millions.
1. Regular card: Under normal circumstances, everyone can apply for a regular card, and the annual fee can be waived by swiping the card a few times.
The limit is also increased bit by bit based on your consumption and repayment situation.
Most of the tricks are to give you a temporary quota first. If you maintain good usage after using the temporary quota, it will not take long to convert it into a fixed quota; 2. Gold Card: The quota is not 1W~ 5W is a platinum card, and it does not mean whether the card is gold or gold (I will spray it when I see an article).
The approval threshold for gold cards has been raised. In addition to having a higher credit limit than regular cards, you can also enjoy a variety of value-added services. At the same time, the annual fee is relatively high.
3. Platinum Card: Airport VIP, free rescue and other value-added services allow you to instantly improve your quality. Platinum Card review is more stringent and requires proof of assets or deposits. People with an annual income of 20W+ and good credit can easily own it; 4 , Diamond card: a symbol of status for successful people in general, of course it is a level higher than platinum card.
The general limit is one million levels, and your qualifications are also required to prove that you are worthy of this value.
The black card is called the infinite card, and it is omnipotent in heaven and earth. Many cardholders know that credit cards have different levels, such as regular card, gold card, platinum card or diamond card. Card issuers will issue different levels of credit cards based on the credit card applicant's social status, economic strength, purchasing power, credit rating and other standards. Generally, ordinary cards are the lowest level, and high-level credit cards have higher credit limits than low-level credit cards. .
Ordinary card; Ordinary card is the lowest credit card issued by the card issuer, and its credit limit is the lowest. The credit limit of ordinary cards in my country is generally only 5,000 RMB.
Gold card; Gold card is a credit card with a higher credit limit than ordinary cards. Generally, banks do not directly apply for gold cards for individuals who do not have ordinary card credit records. The approval of gold cards is also stricter than ordinary cards. Applicants are required to provide proof of income and a good credit history.
The credit amount of gold cards in my country is generally between RMB 10,000 and RMB 50,000.
Platinum card or diamond card; Platinum card is also called diamond card. It is a credit card launched by the card issuer to distinguish it from gold card customers, and provides more high-end services and benefits than gold card. Generally, Adopting a membership system, there are customer service hotline services and highly respected value-added services. It usually has service functions such as global airport VIP room privileges, high-value traffic insurance, global emergency support service (gcas), and 24-hour global exclusive VIP telephone service.
Platinum Card (Diamond Card) is the highest-level card type among the credit cards currently issued by banks in my country. Banks are very strict in approving Platinum Cards (Diamond Card), and the application conditions are also very demanding. Only a small number of them Only those with high income or leadership can apply. Its credit limit is generally between RMB 100,000 and RMB 1 million.