Analysis of the four levels of credit cards
Credit cards can have different levels according to the level of benefits they enjoy. So far, there are four types of credit cards: regular card, gold card, platinum card and world card. Another term for platinum card is diamond card.
The first type of credit card is CommonCard. CommonCard is the lowest credit card issued by a bank card issuer, and its credit limit is the lowest; in general, a common card from a bank has the highest credit limit. There are 5,000 yuan and 3,000 yuan.
The second credit card level is GoldCard. The approval of Gold Card is stricter than that of ordinary cards. Applicants will be required to provide proof of income and a good credit record; the limit of Gold Card is slightly higher than that of ordinary cards. A regular card is a credit card with a higher credit limit than an ordinary card. Generally, banks do not directly apply for gold cards for individuals who do not have ordinary card credit records; the credit limit of a gold card is generally between RMB 10,000 and 50,000.
The third credit card level is Platinum Card. Platinum Card is also called Diamond Card. It is a credit card issued by the card issuer to distinguish it from Gold Card customers and provides more high-end services than Gold Card. and rights, generally adopt a membership system, with customer service hotline services and highly respected value-added services; Platinum card is the highest level card type among credit cards issued by banks in my country. Banks are very strict in approving Platinum cards, and the application conditions are also It is very demanding, and only a small number of high-income earners or leaders can apply; as a Platinum Card holder, you can usually receive VIP room privileges at global airports, high-value traffic insurance, global emergency support services (gcas), and a 24-hour global exclusive VIP line Telephone service and other high-quality services. The credit limit of a platinum credit card is generally between RMB 100,000 and RMB 1 million.
The most high-end credit card is the Infinite Card or the World Card (InfiniteCard): the most high-end card among credit cards, it does not accept applications and can only be applied for by invitation from the card issuer. Infinite Card is the most high-end brand of Visa card organization. Only China Merchants Bank has issued this card in China. The same level of credit card issued by Mastercard card organization is called World Card. There is no bank in China to issue it. We look forward to Mastercard’s largest domestic transportation partner. Banks may issue cards of this class in the future.
Generally speaking, the domestic credit system is not perfect and the credit card market is relatively chaotic. There is not much difference between regular cards and gold cards in terms of credit limit. There are regular cards with a limit of over 50,000 yuan, and gold cards with a limit of several thousand yuan. Coupled with the emergence of platinum cards with a credit limit of less than 10,000 yuan, we may only have to pay for the lost card protection fee and additional fees. They can be distinguished by services, insurance amounts, etc.
There are several levels of credit cards
The levels of credit cards are divided into regular card - gold card - platinum card - diamond card. For regular cards, the limit is generally less than 10,000; for gold cards, the limit is generally between 10,000 and 50,000; for platinum cards, personal annual income must be at least 200,00 to apply; for diamond cards, cardholders are required to have an income of more than one million, and the limit is also in the millions.
1. Regular card: Under normal circumstances, everyone can apply for a regular card, and the annual fee can be waived by swiping the card a few times.
The limit is also increased bit by bit based on your consumption and repayment situation.
Most of the tricks are to give you a temporary quota first. If you maintain good usage after using the temporary quota, it will not take long to convert it into a fixed quota; 2. Gold Card: The quota is not 1W~ 5W is a platinum card, and it does not mean whether the card is gold or gold (I will spray it when I see an article).
The approval threshold for gold cards has been raised. In addition to having a higher credit limit than regular cards, you can also enjoy a variety of value-added services. At the same time, the annual fee is relatively high.
3. Platinum Card: Airport VIP, free rescue and other value-added services allow you to instantly improve your quality. Platinum Card review is more stringent and requires asset certificates or deposit certificates. People with an annual income of 20W+ and good credit can easily own it; 4 , Diamond card: a symbol of status for successful people in general, of course it is a level higher than platinum card.
The general limit is one million levels, and your qualifications are also required to prove that you are worthy of this value.
The black card is called the infinite card, and it is omnipotent in heaven and earth. Many cardholders know that credit cards have different levels, such as regular card, gold card, platinum card or diamond card.
Card issuers will issue different levels of credit cards based on the credit card applicant's social status, economic strength, purchasing power, credit rating and other standards. Generally, ordinary cards are the lowest level, and high-level credit cards have higher credit limits than low-level credit cards. .
Ordinary card; Ordinary card is the lowest credit card issued by the card issuer, and its credit limit is the lowest. The credit limit of ordinary cards in my country is generally only 5,000 RMB.
Gold card; Gold card is a credit card with a higher credit limit than ordinary cards. Generally, banks do not directly apply for gold cards for individuals who do not have ordinary card credit records. The approval of gold cards is also stricter than ordinary cards. Applicants are required to provide proof of income and a good credit history.
The credit amount of gold cards in my country is generally between RMB 10,000 and RMB 50,000.
Platinum card or diamond card; Platinum card is also called diamond card. It is a credit card launched by the card issuer to distinguish it from gold card customers, and provides more high-end services and benefits than gold card. Generally, Adopting a membership system, there are customer service hotline services and highly respected value-added services. It usually has service functions such as global airport VIP room privileges, high-value traffic insurance, global emergency support service (gcas), and 24-hour global exclusive VIP telephone service.
Platinum Card (Diamond Card) is the highest-level card type among the credit cards currently issued by banks in my country. Banks are very strict in approving Platinum Cards (Diamond Card), and the application conditions are also very demanding. Only a small number of them Only those with high income or leadership can apply. Its credit limit is generally between RMB 100,000 and RMB 1 million.
What are the levels of credit cards?
Credit card levels can be roughly divided into regular cards, gold cards, platinum cards, unlimited cards, etc. Credit card issuers generally issue different levels of credit cards based on the identity, income level, consumption level, credit status and other criteria of the card applicant.
As the credit card level increases, the corresponding credit limit also becomes higher and higher. Generally, the maximum limit of a regular credit card is about 10,000 yuan, the maximum limit of a gold card is about 50,000 yuan, and the maximum limit of a platinum card is about 50,000 yuan. The limit ranges from tens of thousands to hundreds of thousands, and the unlimited card limit is at least hundreds of thousands.
In addition to the difference in limit, different levels of credit cards also have great differences in the rights they enjoy, such as overseas emergency assistance, airport VIP rooms, high-value travel insurance, free roadside assistance, and exclusive customer service lines, etc. This is a service that only high-level credit cards can enjoy.
Credit card grading standards
Credit card grading is divided according to the rating of the credit record, the amount of assets and wealth, reputation, fame, connections, etc. According to the above classification standards, it can be divided into 5 categories: regular card, gold card, platinum card, diamond card and black card (unlimited card).
1. Regular Card
The limit of a regular card is generally between 3,000 yuan and 12,000 yuan. There are also student cards with a limit of 1,000 yuan to 2,000 yuan. The privileges that ordinary card users can enjoy are generally only discounts at designated merchants, doubled birthday points, etc. The advantage of the regular card is that the annual fee is relatively low, and the annual fee can be waived if certain conditions are met. The application conditions for a regular card are relatively loose. As long as you are over 18 years old, have a stable job and income, and have a good personal credit record, you can apply for a regular card.
2. Gold Card
The limit of a gold card is generally between 8,000 and 100,000 yuan. Holding a gold card can enjoy services not available with ordinary cards such as card replacement, quick loss reporting, transfers and remittances, and fee-free deposits and withdrawals in other places, as well as aviation accident insurance with a limit of up to 4 million yuan. The annual fee for a gold card ranges from 200 yuan to 800 yuan. The application conditions for the Gold Card are more stringent than those for the Regular Card. In addition to having a good credit record, there are certain requirements for job stability and income.
3. Platinum Card and Diamond Card
Platinum Card and Diamond Card are roughly the same. In addition to good credit and a high-income job, applying for platinum and diamond cards also requires hundreds of thousands of fixed assets. In addition, real estate, cars, and daily consumption documents are also reference conditions. The limit of a platinum card is generally between 100,000 and 1 million. The platinum card is the highest level of card accessible to the general public and is also the card mainly promoted by banks. The platinum card not only enjoys all the benefits of the gold card, but also enjoys VIP-level benefits such as cash rebates, airport VIP room services, five-star hotel accommodation qualifications, free physical examinations, chauffeur services and other VIP-level benefits. The advantage of the diamond card is that you can get gold membership of high-end brands or luxury stores for free.
4. Black Card
Black card is a credit card owned by a very small number of people. It is a symbol of connections, power, wealth, reputation and prestige. It is the royal family among credit cards. Black cards cannot be obtained through application. They are usually specially invited by the bank. The credit limit is generally between 1 million and 10 million, and some banks have no limit on black cards. The black card is the most high-end card type that the bank is proud of. With a black card, you can enjoy the highest-end and best-quality services no matter where you go.
I learned that the Platinum Card, Diamond Card and Black Card are out of reach!
That’s it for the introduction to credit card grading.