According to the credit status and credit status of cardholders, it can be divided into ordinary cards, gold cards and platinum cards. Card issuers generally 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.

1. Ordinary card application conditions

Individuals with full capacity for civil conduct and legitimate income can apply to the bank for a personal master card or a supplementary card for others with their valid identity documents and work permits.

2. Student card application conditions

Major banks have introduced credit cards for students. Generally, the amount is not large, but they can be handled with ID cards and student ID cards, and there is no need to provide proof of income.

3. Gold card application conditions

Generally, you can apply for a gold card if you use an ordinary card for a period of time and have a good repayment record. If you don't have the use record of Puka, you need to provide proof of work income if you want to apply for a gold card directly.

4. Platinum card application conditions

Due to the large overdraft limit and many extra services, the requirements for handling platinum cards are much stricter than those of other credit cards. Generally speaking, individuals, organizations, enterprises and institutions, senior leaders or responsible persons with certain economic strength can apply for platinum credit cards, and individuals can only apply for platinum cards if they meet one of the following conditions:

There is a certain amount of deposit of about ten thousand yuan;

The average daily deposit amount reaches a certain amount of about ten thousand yuan;

The annual consumption of holding a non-platinum credit card reaches a certain amount of about ten thousand yuan, and there are restrictions on the number of consumption;

Holding platinum credit cards from other banks;

There are personal financial status certificates recognized by other banks.