Credit cards are usually divided into ordinary credit cards, gold cards, platinum cards and black cards. The minimum amount of ordinary credit cards is 0 yuan, and the maximum amount of black cards is "unlimited". Riding a bull and seeing a bear thinks that the reason why there are credit cards with credit lines in 0 yuan is mainly due to the rapid development of internet lending institutions in recent years. In order to seize the market, commercial banks have to lower the auditing standards to a certain extent, but they can't give a higher credit card limit, so there is a credit card with a credit line in 0 yuan. Mainly distributed to people with low wages, college students, unemployed people and so on.

Black cards are often called unlimited cards, which means there is no upper limit of credit. Commercial banks don't have to open internal invitations, because you have money, status and many houses. The basic invitation conditions of domestic commercial banks are: "the annual income is above 2 million, there are good repayment conditions, there is a certain deposit in the bank, and the personal debt ratio is low." Riding a bull and watching a bear find that to meet these conditions, cardholders still need to pay a fixed annual fee, which is generally around 20 thousand yuan/year because of the different requirements of banks.

The credit card quotas of major domestic banks are different, and different levels of credit cards will be different. The amount of ordinary credit cards is usually from 0 yuan to 20,000 yuan, gold cards are usually from 20,000 yuan to 50,000 yuan, and platinum cards are usually from 50,000 yuan to 2 million yuan. Black cards are "God-class cards" with no upper limit. However, ordinary credit cards and gold cards can be exempted from annual fees if they are spent three to six times a year, while platinum cards and black cards are fixed annual fees. No matter how many times the cardholder spends, he needs to pay a fixed annual fee, which will become the arrears payable in the current month and require the cardholder to pay automatically.

Platinum cards and black cards charge a fixed annual fee because they are "rich cards". Designated five-star hotels at home and abroad are entitled to free reservation, free upgrade of star hotel suites, exclusive airport shuttle service, free flight accident insurance, exclusive private customer service and other functions, which are the favorite "privileges" of the rich. What they hate most are the choices and troubles in small things, and the service function of advanced credit cards can help them solve them one by one.

If ordinary consumers don't want to have a fixed annual fee, they can upgrade to a gold card "stop", and the annual fee after that is not a small fee, or they should decide whether it is suitable for them according to their personal consumption habits. If you want to maximize the credit card limit and don't want to pay the annual fee, then make good use of the high-limit gold card, which can basically meet your daily normal consumption.