Hello, the credit card gold card limit is generally 50,000. As long as the card limit is lower than 50,000, it can be increased to 50,000 at most. Of course, it is impossible to determine the amount of each increase. The bank will decide how much to increase according to the audit results. This manual intervention cannot be performed. Therefore, users need to keep good credit records and consumption records for a long time, which is beneficial to++. After the credit card gold card quota is increased to 50,000, users can only apply for a higher level card if they want to withdraw cash. The upper limit of premium card is greater than 50000.
1. The standard for banks to handle credit card business is to first ensure the repayment ability of users, and then try to meet the capital needs of users. Therefore, when a bank opens a credit card gold card, it will ask customers to provide a series of data such as income proof, asset guarantee and historical credit record to prove the user's solvency. In the following two cases, banks will consider increasing the overdraft limit of personal credit cards: stable work and timely repayment (such as administrative personnel and staff of public institutions); High income and high overdraft limit requirements (such as foreign company executives and senior white-collar workers). Maximum limit of credit card and gold card
2. After understanding the decision method of credit card gold card amount, let's talk about the upper limit of credit card gold card amount. Taking recruitment behavior as an example, the floating range of various cards is: Puka: 10000- 10000, where there is no gold card, 50000;
Gold card: 10000-50000, and only gold cards are available for city cards, with an amount of 5000-50000; Platinum card: 50000 plus temporary limit. Basically, it is more than 60,000 yuan, and more than 200,000 yuan is similar. Although the lower limit of credit card gold limit of CITIC Bank, Bank of Communications and Agricultural Bank is different, the upper limit is 50,000 yuan.
3. The gold card brings not only the charm of the card surface, but also its special rights and interests. With the gold card, you can immediately see that you are a high-end customer of the bank, not an ordinary customer. However, applying for a gold card still needs to meet certain conditions, but the standards of each card issuer will be different. Generally speaking, to apply for a bank card and gold card, you need to have at least 200,000 deposits in your account. It can be seen that ordinary people cannot afford it. Gold card, also called VIP card, as its name implies, can enjoy VIP service. When handling banking business, holding a gold card can avoid waiting in line and enjoy the green channel of giving priority to handling business. You can go directly to the VIP customer service area or VIP service window set up by the bank to handle business directly.
4. Gold card users can enjoy exclusive financial services in addition to preferential services. The bank will set up a special account manager reception service for gold card customers. Whether it is wealth management, deposit or other business, there will be a special one-on-one service. In addition, gold card users can be exempted from many bank charges. For example, inter-bank transfer, off-site withdrawal service fee, account management fee and annual fee.
What is the maximum amount of credit card gold card?
Generally speaking, the maximum amount of credit card gold card is 50,000 yuan, and the credit card amount of gold card level is generally between 1 10,000 yuan and 50,000 yuan, and the credit card amount range of different banks is different. The specific amount of card issuance is closely related to the applicant's personal credit information, personal assets, personal education, marital status and other factors. The better the qualification, the higher the amount of application.
Gold card is a kind of credit card. Gold cards are more advanced than ordinary cards, and gold card holders can enjoy more credit card benefits and conveniences. For example, overseas, gold card holders provide free emergency card replacement services. For another example, the maximum amount of a gold card is 50,000 yuan, and the maximum amount of an ordinary card is 1 10,000 yuan. Gold cards are gold-faced, and the approval is relatively stricter than ordinary cards, so you should enjoy better preferential treatment. The quota is generally 1w~5w, and the annual fee can be exempted.
Credit card grade type:
1. Pukezhubei
People who apply for a credit card for the first time or have poor financial strength can apply for an ordinary card first, and there is basically no annual fee, or they can be exempted after several swipes, and the amount is generally below1w.
2. Platinum cards are used for high-end users' credit cards, and the approval is strict. Personal annual income should be at least 20w+, and sometimes you need to deposit assets in the bank.
3. Diamond cards are higher in grade than platinum cards, and require higher identity of cardholders, most of which can be handled by successful people. Therefore, the amount of the diamond card is higher, which can show the distinguished identity of the cardholder. The cardholder is required to earn more than one million yuan, and the amount is also one million yuan.
The application requirements of credit card gold card are higher than those of ordinary card (including job stability, income and other financial conditions, etc.). ). In terms of credit limit, under normal circumstances, the credit limit of a gold card is also higher than that of a general card (the maximum credit limit of a gold card is RMB 50,000. The maximum amount of Puka is ￥ 6,543.8+0,000 yuan). Except the annual fee (300 yuan per card per year for gold card and RMB 100 per card per year for Puka), the use method is the same. In addition, the gold card symbolizes honor and shows identity. Gold card holders can enjoy more credit card benefits and conveniences.
How much is the credit card gold card limit?
The credit card gold card amount is generally between 654.38+00000-50000 yuan, and the specific credit card amount is determined according to the materials submitted by the applicant. If the materials submitted by users are not good, the credit card limit may be less than 6.5438+0 million yuan; If you submit a strong economic certificate, the amount of the card will be higher.
Applying for a credit card gold card generally requires the applicant to submit good financial proof, such as real estate information, provident fund certificate, bank deposit receipt, etc. At the same time, applicants are required to have good credit information, 18 years old or above, and have full capacity for civil conduct, which is the basic condition for handling credit cards.
It takes 20 working days for the average user to apply for a credit card gold card. You can apply through the bank counter or the bank official website. The amount of card processing through bank counters is generally higher, mainly because they can submit more financial certificates, but online card processing is faster.
When users get a new credit card, they should know its basic information, such as annual fee, billing date, repayment date, overdue interest and so on. This information can enable cardholders to use credit cards better. When activating the credit card, you need to set the inquiry password and transaction password. These two passwords must not be confused when setting.
Gold card is a kind of credit card.
Gold cards are more advanced than ordinary cards, and gold card holders can enjoy more credit card benefits and conveniences. For example, overseas, gold card holders provide free emergency card replacement services. For another example, the maximum amount of a gold card is 50,000 yuan, and the maximum amount of an ordinary card is 1 10,000 yuan.
Gold cards are gold-faced, and the approval is relatively stricter than ordinary cards, so you should enjoy better preferential treatment. The quota is generally 1w~5w, and the annual fee can be exempted.
Credit card grade type
1. Pukezhubei
People who apply for a credit card for the first time or have poor financial strength can apply for an ordinary card first, and there is basically no annual fee, or they can be exempted after several swipes, and the amount is generally below1w.
2. Platinum card
Credit cards serving high-end users are strictly examined and approved, with an annual personal income of at least 20w+, and sometimes assets need to be deposited in the handling bank.
3. Diamond cards
It is higher than the platinum card, and it requires higher identity of the cardholder. Most of them can be handled by successful people. Therefore, the amount of the diamond card is higher, which can better show the noble status of the cardholder. The cardholder is required to earn more than one million yuan, and the amount is also one million yuan.
How much is the credit card gold card?
1. Generally, the amount of gold cards for credit cards ranges from 1 000 yuan to 1 000 yuan. The amount of a gold card will be much higher than that of an ordinary credit card, which ranges from 0 yuan to 1 000 yuan, but the specific amount depends on the situation when applying for a credit card.
2. Different banks have different credit card gold card quotas. The credit card limit of China Bank Gold Card is 6,543,800 yuan to 6,543,800 yuan, and that of China Agricultural Bank Gold Card is 6,543,800 yuan to 200,000 yuan.
3. Generally, gold cards have a quota of more than 5 digits, and there are also many activities to discount gold cards. Some bank credit cards can enjoy triple points, shopping discounts and so on.
For more information about the gold card amount of a credit card, please visit: See More.
What is the credit card gold card limit of China Bank?
Bank of China will determine whether it meets the requirements and credit limit according to the personal financial certificate and comprehensive credit status submitted when you apply for a credit card, and the final approval result will prevail.
The above contents are for your reference. Please refer to the actual business regulations.
If you have any questions, please contact online customer service of Bank of China.
You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GOAPP to handle related business.
What is the gold card limit of China Merchants Credit Card?
The credit card gold card amount of China Merchants Bank is between 10000-50000 yuan. Everyone has a different quota. The better the qualification, the higher the quota.
China Merchants Bank credit cards are generally divided into three grades: Puka: 3000- 10000 (RMB); Gold card: 10000-50000 (RMB); Platinum card: more than 50,000 yuan (RMB).
However, the credit card limit is given by the bank according to the comprehensive score of the information submitted by the applicant. Reference items include age, gender, unit, income, position, housing, education, marriage, real estate, professional title, credit record, personal financial assets, etc. A score segment corresponds to a result, from not approving cards to approving cards, from low to high.
The factors affecting the quota are:
First, personal assets.
Personal assets are an important factor affecting the credit card limit. For applicants who have a house and a car, a higher credit card limit will be given.
Second, the work situation
Applicants with higher professional titles, longer working years and higher industry stability can get higher credit card quotas.
Third, a good credit record.
Good credit can bring you a higher limit.
The difference between China Merchants Bank Gold Card and Puka Card is mainly reflected in the following four aspects:
First, the most intuitive (different cards)
The gold card of China Merchants Bank is more conspicuous. Generally, in order to highlight the difference, gold is the main color element of cards, while most of Puka cards are mainly yellow. So it is obvious in daily use.
Second, the most direct (annual fees vary)
According to different grades, the annual fee of China Merchants Bank Credit Card Gold Card is in 300 yuan, while the annual fee of Puka Card is only 150 yuan, which is also commonly known as "you have to pay for it". Even if the fees charged are different, the annual fee reduction is consistent. China Merchants Bank's credit cards, whether ordinary or gold, are free of annual fees in the first year, swiping cards six times a year and free of annual fees in the second year.
Third, the most concerned (different amount)
The credit line of China Merchants Bank credit card gold card and ordinary card is very different. The credit limit of ordinary cards is generally 3,000 yuan to 1 10,000 yuan, and that of gold cards is usually 1 10,000 yuan to 50,000 yuan. Gold cards are much higher than ordinary cards.
Fourth, the most intimate (different offers)
Because China Merchants Bank's credit card gold card has a higher level than ordinary cards, it usually has some benefits that ordinary cards don't have, such as:
1. Discount: Some discount merchants give more discounts to gold cards than Puccardo;
2. Aviation accident insurance: When purchasing air tickets, gold cardholders get 6,543.8+0,000 insurance, and ordinary cardholders get 500,000 insurance;
3. Lost card protection: the maximum protection for ordinary cards is 65,438+00,000 yuan per year, and the maximum protection for gold cards is 65,438+05,000 yuan per year.
The introduction of the maximum amount of credit card gold card and the maximum amount of credit card gold card is over. I wonder if you have found the information you need?