Take ICBC as an example. ICBC credit cards are the most widely issued credit cards in China. They are divided into platinum cards, gold cards and ordinary cards according to credit rating. The credit rating of a credit card can be judged from the following aspects:

1. The limit of a regular card is generally 0-20,000 yuan, the limit of a gold card is generally 10,000-50,000 yuan, and the limit of a platinum card is generally 5 More than 10,000 yuan.

2. Annual fee standard: domestic ordinary card annual fee is 50 yuan, gold card 100 yuan; international dual currency card ordinary card fee 100 yuan, gold card 200 yuan; business ordinary card 200 yuan, gold card 400 RMB 2,000 for Platinum Card; the annual fee for all supplementary cards is half of the annual fee for the main card.

3. Annual fee-free policy: ICBC’s annual fee charging standard is to charge after use, that is, the annual fee will not be charged until one year after the account has been opened. In this year, as long as you make 5 transactions Or 5,000 yuan (3 transactions or 3,000 for student card, 160,000 points for platinum card to exchange for annual fee or 200,000 for free annual fee), the annual fee for the current year will be waived. At the same time, there is no annual fee for ICBC credit cards if you do not open the card.

4. Permanent annual fee exemption policy for ICBC credit cards: Platinum card holders who have accumulated a consumption of 4 million yuan can be given a permanent annual fee exemption for their primary and secondary cards. For personal card holders of gold cards and ordinary cards, if they have no bad credit record and have continuously held various ICBC credit cards for more than 10 years (including 10 years), they can be given a permanent primary and secondary card in their account. No annual fee discount.

5. Cash advance handling fee: There is no handling fee for local banks; RMB cash withdrawals in other places are charged at 1% of the amount, with a minimum of 1 yuan and a maximum of 100 yuan; foreign currencies are charged at 2.9% of the amount, with a minimum of 3 Hong Kong dollars Or 3 US dollars or 3 euros (including domestic and foreign). Domestic transactions with Platinum Card are free.

6. Loss reporting fee: 20 yuan per card, express delivery fee for replacement card 20 yuan/package; free for platinum cards. Request statements from two months ago for 5 yuan/month/month; free for platinum cards.

Extended information

Credit card classification:

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

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.

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. Travel and entertainment cards are credit cards issued by the service industry, such as airlines, travel companies, etc., used for purchasing tickets, meals, accommodation, entertainment, etc.

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

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

Personal card. 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.

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

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

Gold Card. A 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.

Baidu Encyclopedia-Credit Card