The levels of credit cards are arranged from low to high and can be roughly divided into: regular card, gold card, platinum card and unlimited card. Among them, regular cards and gold cards are more common. Generally, the limit of a regular credit card is RMB 3,000-10,000; the limit of a gold card is around RMB 10,000-50,000.

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

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.

Extended information: Types of credit card products

1. According to different card issuers, they can be divided into bank cards and non-bank cards

1. Bank cards. This is a credit card issued by a bank. Cardholders can shop at the card-issuing bank's special merchants, and can also withdraw cash at any time at any branch of the card-issuing bank or at places with ATMs.

2. Non-bank card. Such cards can be specifically divided into retail credit cards and travel and entertainment cards. Retail credit cards are credit cards issued by commercial institutions, such as department stores, petroleum companies, etc., which are specially used for shopping in designated stores or refueling at gasoline stations, etc., and are settled regularly.

Second, according to the different objects of issuance, it can be divided into corporate cards and personal cards

1. Corporate cards are issued to various industrial and commercial enterprises, scientific research and education and other institutions, and national Party and government agencies, military units, groups and other legal organizations.

2. Personal cards are issued to urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable sources of income. A personal card is applied for in the name of an individual and he/she bears all responsibilities for using the card.

Three, according to the credit status, status and other credit conditions of the cardholder, it can be divided into ordinary cards and gold cards

Fourth, according to the different repayment methods, credit cards can be divided into Credit cards and quasi-credit cards

1. 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. Most of these cards are used internationally.

2. 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.

Fifth, 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.

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.