There are different grades of credit cards, such as Puka, Gold, Platinum or Diamond. 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 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 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.
Platinum card, also known as diamond card, is a credit card issued by card issuers to distinguish it from gold card customers. It provides higher-end services and rights than gold card, and generally adopts membership system. It usually has the service functions of global airport VIP room courtesy, high traffic insurance, global emergency support service (gcas) and 24-hour global dedicated 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.
Types of credit card products
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, military units, 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.
According to different payment methods, credit cards can be divided into credit cards and quasi-credit cards.
Credit card. That is, when the issuing bank provides bank credit, it overdraws first, and then repays or pays in installments. Most of these cards are used for international circulation. In other words, the way to allow cardholders to pay off their credit card accounts is "consume first, then deposit". Most of these cards are used for international circulation.
Quasi-credit card It is a credit card issued by a bank, which deposits first and then consumes. When applying for a credit card, the cardholder needs to deposit a certain amount of money in the issuing bank in advance as a backup. The cardholder needs to use the card on the basis of the deposit balance, and generally no overdraft is allowed.
According to the different circulation scope of credit cards, they can be divided into international cards and regional cards
International card. International card is a kind of credit card that can be used outside the issuing country and is universal. MasterCard, VISACard, AmericanExpressCard, JCBCard and DinersClubCard issued by five overseas groups (MasterCard, Visa International, American Express Card and DinersClubCard) are mostly international cards.
Area card. Regional card is a kind of credit card that can only be used in the country or region where the issuing bank is located. Most credit cards issued by commercial banks in China belong to regional cards.
Credit card type
According to different classification standards, credit cards are mainly divided into the following categories: generally, they can be divided into the following six standards: (1) According to credit card issuers, they can be divided into bank cards and non-bank cards; (2) According to the storage medium of credit card information, it can be divided into magnetic stripe card and chip card; (3) According to different payment methods, it can be divided into: credit card, quasi-credit card and debit card.
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.
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.
What kinds of credit cards are there?
Credit cards are divided into credit cards and quasi-credit cards:
1. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay;
2. A 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.
First, it can be divided into bank cards and non-bank cards according to the different card issuers.
1, 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.
2. 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.
Two, according to the issue of different objects, can be divided into corporate cards and personal cards.
1, 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.
2. 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.
Three, according to the cardholder's reputation, status and other credit status, can be divided into ordinary cards and gold cards.
1, ordinary card.
Ordinary cards are issued to cardholders with average economic strength, credibility and status, and the requirements are not high.
Gold card. A gold card is a card that pays a high membership fee and enjoys special treatment. 2. Credit card.
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.
Definition of credit limit:
Credit line, also known as "credit line", refers to a certain amount of credit line granted by banks to their basic customers, that is, enterprises can recover so much money within a specified time. For example, if an enterprise applies for an export bill of exchange of US$ 2 million a year, it can use the amount of US$ 6,543,800,000+for five times (the formalities only need to be handled once, and other procedures are very simple), and the amount of RMB 20,000,000 can be used after using 10 times, which solves the short-term difficulties of the enterprise, improves the capital turnover speed of the enterprise and improves the efficiency of capital use.
The introduction of the types of credit cards and the types of credit cards ends here. I wonder if you have found the information you need?