What are the credit ratings of credit cards?

credit cards are classified into general cards-gold cards-platinum cards-diamond cards.

for ordinary cards, the limit is generally below 1w; Gold card, the amount is generally 1 W ~ 5 W; Platinum card, personal annual income must be at least 2w to handle; The diamond card requires the cardholder to earn more than one million yuan, and the amount is also one million yuan.

1. Definition:

A credit card, also called a debit card, is a credit certificate issued by a commercial bank or a credit card company to a qualified consumer.

it is in the form of a card with the name of the issuing bank, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to special commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit. Credit card consumption is a non-cash transaction payment method, and there is no need to pay cash when spending, and repayment will be made on the BillingDate.

II. Classification:

Credit cards can be divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which cardholders have a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the specified credit limit. The credit card generally refers to a credit card.

III. Other information:

From January 1, 221, the credit card overdraft interest rate will be determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate will be cancelled (the original upper limit is .7 times of the daily interest rate, and the lower limit is .5 times of the daily interest rate). On May 25th, 221, the Supreme People promulgated and implemented the Provisions of the Supreme People on Several Issues Concerning the Trial of Civil Cases of Bank Cards.

The CreditCard stipulated in the relevant laws of China (Interpretation of the NPC Standing Committee on the Provisions on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or some functions such as consumer payment, credit loan, transfer settlement, cash deposit and withdrawal. On December 1, 217, the Standard for English Translation and Writing in Public Service Fields was officially implemented, and the English name of the credit card was stipulated.

analyzing the four grades of credit cards

credit cards may have different grades according to the level of rights they enjoy. Up to now, there are four types of credit cards: Puka, Gold Card, Platinum Card and World Card, among which another term for Platinum Card is called Diamond Card.

the first credit card is the CommonCard, which is the lowest credit card issued by the bank card issuer, and its credit line is the lowest; The average bank's credit limit for Puka is up to 5, yuan, and there are still 3, yuan.

The second type of credit card is the GoldCard, which is more strict than the ordinary card and requires the applicant to provide proof of income and a good credit record. The amount of gold card is slightly higher than that of ordinary card, and it is a credit card with a higher credit line than ordinary card. Generally, banks do not directly handle gold cards for individuals who have no credit history of ordinary cards. The credit limit of a gold card is generally between 1, and 5, RMB.

The third credit card grade is PlatinumCard, which is also called Diamond Card. It is a credit card issued by card issuers to distinguish it from gold card customers, and provides higher-end services and rights than gold cards. Generally, it adopts membership system, with customer service telephone hotline service and value-added services that are highly respected. Platinum card is the highest level of credit cards issued by banks in China. The approval of platinum card by banks is very strict, and the application conditions are also very harsh. Only a small number of high-income or leaders can apply. With a platinum card, you can usually receive the global airport VIP room courtesy, high traffic insurance, global emergency support service (gcas), 24-hour global exclusive VIP line telephone service and other quality services. Platinum credit cards generally have a credit limit of 1 to 1 million RMB.

the highest-end credit card is an InfiniteCard or an infinite card: the highest-end credit card does not accept applications and can only be handled at the invitation of the issuing bank. Unlimited card is the top brand of Visa card organization, and only China Merchants Bank has issued this kind of card in China. The credit card of the same grade issued by Mastercard organization is called World Card, and there is no bank issue in China. We expect Bank of Communications, Mastercard's largest partner in China, to issue this grade card in the future.

generally speaking, the domestic credit system is not perfect and the credit card market is chaotic. There is not much difference in the amount between a universal card and a gold card. There are 5, universal cards and thousands of gold cards. Coupled with the appearance of a platinum card with a limit of less than 1, yuan, we may only be able to distinguish them from each other in terms of lost card security, additional services and insurance amount.

Credit cards are divided into several grades

Credit card grade classification:

1. Puka. Puka is the lowest level credit card issued by card issuers, and the credit line is also the lowest, generally around several thousand yuan.

2. Gold card. Gold card is one level higher than Puka, and its credit line is generally between 1 thousand and 5 thousand yuan.

3. Titanium card. Titanium card is between gold card and platinum card, and the credit line is generally around 3 thousand to 6 thousand, which enjoys some basic rights and interests.

4. Platinum card. Platinum card is a high-end card, and its quota is generally more than 5, yuan. Platinum card enjoys special rights and interests, including airport VIP, mileage redemption, emergency support service, etc., and its application conditions are more stringent.

5. diamond card. The diamond card is one level higher than the platinum card, and the amount is about 1 million, so it enjoys more rights and interests.

6. Black card. Black card is the highest-level credit card, which does not accept applications and can only be processed by invitation. The specific amount is unknown.

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Application for credit card

In most cases, citizens with full capacity for civil conduct (citizens aged 18 or above in Chinese mainland) and a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.

people who apply for credit cards can be divided into units and individuals. The applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal personality within the territory of China. Each unit can get a main card and several (5-1) supplementary cards when applying for a credit card. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.

generally, the application method is to fill in a credit card application form, and the contents of the application form generally include the name, basic information, economic status or income source, guarantor and its basic information of the applicant. And submit certain copies of certificates and certificates to the issuing bank. After the customer fills in the application form truthfully, he should submit the completed application form and relevant credit certificate. The application form is accompanied by a contract for using a credit card. The applicant authorizes the issuing bank or relevant departments to investigate its relevant information, submit a statement on the authenticity of the information, the privacy protection policy of the issuing bank, etc., and must have the applicant's autograph.

Great Secret of Credit Card Grading

As we all know, everyone's credit card will be a little different, and credit cards are graded. So, how are credit card grades divided? This article will bring you the big secret of credit card grading.

There are four grades of credit cards, which are as follows:

1. Popular card: This is the most common credit card, but of course, the amount is also the least, generally only 2.

2. Gold card: A gold card is a credit card with a higher limit, with a general limit of 1, yuan.

3. Platinum card: Platinum card is a relatively high-end credit card, and its limit is generally 2,.

4. Black card: A black card is the kind of credit card that can be swiped at will!

the above is all about credit card grading, I hope it will help you!

This is the end of the introduction on how to distinguish between credit cards with the highest grade and credit cards with the highest grade. Did you find the information you need?