The application conditions of platinum credit cards are much higher than those of ordinary credit cards.

2. Different credit lines

Generally, the credit line of platinum credit cards is more than 5,, and that of ordinary credit cards is between 3, and 1,. The amount given by different banks is not uniform.

3. Different rights and interests

Platinum credit cards have more rights and interests than ordinary credit cards. The rights and interests of platinum credit cards in some banks include free use of VIP rooms in airports or high-speed trains and free redemption of air miles; Hospital emergency and fast registration, etc.

4. Different annual fees

The annual fees of platinum credit cards are more expensive than those of ordinary credit cards. Generally, the annual fees of platinum credit cards are around several thousand, and there are hundreds. The annual fees of ordinary credit cards are generally around 1 yuan, and different banks charge different annual fees.

Compared with the two, the advantage of Platinum Credit Card is definitely more obvious, but the key point is that you should use credit card more. If you don't use credit card much, a card with a higher level is useless, but you have to pay an expensive annual fee, which cardholders should pay attention to.

1. Types of credit cards

1. According to different card issuers, they 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 withdraw cash at any time at all branches of the issuing bank or 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 dedicated to shopping in designated stores or filling gas stations, etc., and are settled regularly. Travel and entertainment cards are credit cards issued by service industries, such as airlines and travel companies, which are used for ticket purchase, dining, accommodation and entertainment.

2. According to different issuers, it can be divided into corporate cards and personal cards. Company card. Corporate cards are issued to all kinds of industrial and commercial enterprises, scientific research and education institutions, state party and government organs, military units, organizations and other legal 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. Personal cards are applied for in the name of individuals and bear all the responsibilities of using them.

3. According to the credit status of cardholders, it can be divided into ordinary cards and ordinary gold cards. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and their requirements are not high. Gold card. Gold card is an advanced credit card that pays high membership fee and enjoys special treatment. Card issuers are those with high credit, strong repayment ability and credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are much wider, so the requirements for related service fees and guarantee money are also higher.

4. According to different payment methods, credit cards can be divided into debit cards and quasi-credit cards. Credit card. It is that when the issuing bank provides bank credit, it overdraws first, and then repays or pays by installments. Most of these cards are used in international circulation. That is to say, the way to allow cardholders to pay off their credit card accounts is "consume first, then deposit". Most of these cards are used in international circulation. Quasi-credit card It is a credit card issued by the 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 for backup. The cardholder needs to use the card on the basis of the deposit balance, and generally overdraft is not allowed.

5. Credit cards can be divided into international cards and regional cards according to their different circulation ranges. International card. International card is a kind of credit card that can be used outside the issuing country and is universal. Master Card, VISA Card, American Express Card, JCB Card and Diners Club Card issued by five overseas groups (MasterCard, Visa International, American Express, JCB Card and Diners Club Card) are mostly international cards. Area card. Regional card is a kind of credit card that can only be used in the issuing country or in a certain area. Most credit cards issued by commercial banks in China belong to regional cards.