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 the membership system, with customer service 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.
What are the types of credit cards
Credit cards can be divided into the following types according to four dimensions:
(1) Credit cards and debit cards according to whether they have the function of consumer credit;
(2) According to whether the reserve fund is paid or not, it can be divided into: credit card and quasi-credit card;
(3) According to the objects used, it can be divided into: personal card and company card;
(4) According to the credit rating, it can be divided into platinum card, gold card and ordinary card.
Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards with a certain credit limit within which the cardholder 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.
Compared with ordinary bank savings cards, the most convenient way to use a credit card is to make ordinary consumption without cash in the card. In many cases, it is only necessary to return the amount of consumption on time. The invention of credit card is like a double-edged sword, which can solve the temporary economic crisis. However, the purpose of issuing credit card is to make money. Once it exceeds the time of interest-free repayment, it will charge high interest, usually five ten thousandths of interest every day.
Credit card application method:
In most cases, citizens with full capacity for civil conduct (citizens over 18 years old in Chinese mainland) and a certain direct financial source 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.
There are several grades of credit cards.
Credit cards are classified into general cards-gold cards-platinum cards-diamond cards. Puka, the amount 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. Puka: Under normal circumstances, everyone can apply for Puka, and the annual fee can be waived by swiping the card several times.
the amount is also increased bit by bit according to your consumption repayment.
Most routines are to give you a temporary quota first. If you keep good use after using the temporary quota, it won't take too long to convert it into a fixed quota. 2. Gold card: It is not a platinum card with a quota of 1W~5W, nor is it a gold card or a gold card (you should spray it when you see an article).
The approval threshold for gold cards has been raised. Besides the higher quota than ordinary cards, gold cards can also enjoy a variety of value-added services, and the annual fee is relatively high.
3. Platinum card: Value-added services such as VIP at the airport and free rescue can improve your quality instantly. Platinum card is more strictly audited, requiring proof of assets or deposit, and it is easy for people with good credit with an annual income of 2W. 4. Diamond card: a symbol of generalized status of successful people, which is certainly higher than platinum card.
The general quota is one million, and you also need your qualifications to prove that you are worth it.
black cards are called infinite cards, and they can do anything from heaven to earth. Many cardholders know that credit cards have different grades, such as Puka, Gold Card, Platinum Card or Diamond Card. Card issuers will issue different grades of credit cards according to the social status, economic strength, purchasing power and credit rating of credit card applicants. Generally, ordinary cards are the lowest grade, and the credit line of high-grade credit cards is higher than that of low-grade credit cards.
ordinary card; Ordinary card is the lowest level credit card issued by card issuers, and its credit line is the lowest. The credit limit of ordinary cards in China is generally only 5 RMB.
gold card; Gold card is a credit card with a higher credit line than ordinary cards. Generally, banks do not directly handle gold cards for individuals who have no credit history of ordinary cards, and the examination and approval of gold cards is stricter than ordinary cards. Applicants will be required to provide proof of income and good credit history.
The credit amount of gold cards in China is generally between 1, and 5, RMB.
platinum card or diamond card; Platinum card, also known as diamond card, is a credit card issued by the card issuer to distinguish it from gold card customers, and provides higher-end services and rights than gold card. Generally, it adopts the membership system, with customer service hotline service and value-added services that are highly respected. Usually, it has the service functions of global airport VIP room courtesy, high traffic insurance, global emergency support service (gcas) and 24-hour global exclusive VIP line telephone service.
Platinum card (diamond card) is the highest level of credit cards issued by Chinese banks at present. The approval of Platinum card (diamond 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. Its credit limit is generally 1 to 1 million RMB.
What are the credit card levels
Credit card levels can be roughly divided into general card, gold card, platinum card, unlimited card and so on. Credit card issuers generally issue different grades of credit cards according to the applicant's status, income level, consumption level and credit status.
with the increase of credit card level, the corresponding credit limit is getting higher and higher. Generally, the maximum credit limit for ordinary credit cards is about 1, yuan, the maximum credit limit for gold cards is about 5, yuan, the maximum credit limit for platinum cards ranges from tens of thousands to hundreds of thousands, and the maximum credit limit for unlimited cards is at least several hundred thousand.
In addition to the differences in the amount of credit cards, there are also great differences in the rights and interests enjoyed by different levels of credit cards. Overseas emergency rescue, airport VIP room, high travel insurance, free road rescue and exclusive customer service lines are all services that can only be enjoyed by high-level credit cards.
so much for the introduction of credit card classification.